BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
Bank of America locked my account the day after I submitted a claim in which an ATM I used didn't dispense the amount I requested. The claim was closed due to " fraud '' with no official investigation. Bank of America has stated that XXXX will need to verify my identity before they can unlock my account. This has already been done, and XXXX has submitted a request to unlock my account, but Bank of America still refuses to unlock my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted this company, as well as the creditors listed, numerous times over the last nine months in regards to these accounts which have been fraudulently opened in my name, asking for validation or removal. Rather then performing an actual investigation both the company and the creditor neglected to do so and directed the blame back to the other, prohibiting me from having these fraudulent items and incorrect names and address and socials removed from my credit report, causing me undue financial and emotional harm. I have fortunately been able to get the majority of the personal information updated and/or removed from my account, however, the actual fraudulent accounts that were opened remain on my report. After much frustration on my part I was instructed to file a police report which I did at the beginning of XX/XX/2018. While the report resulted in the removal of 2 accounts I was told it was not specific enough for the remaining items on my report and that I should file an identity theft report with the FTC. A few weeks ago I filed requested reports and faxed them on the XX/XX/2018. Even though I did as I was instructed to, this company stated reasons that are in the alternative, and failed to block requested information or provide reasoning as required by law. I consider their decline to block as insufficient in even identifying its specific basis. I attached a copy of the police report and the identity theft report along with my proof of identification and statement that the accounts or any transaction thereon were never authorized by me to the fax I sent and met your burden of proof. Your option to decline requires more than just a statement of their possible reasons to do so under the statute. 


Treating it as a dispute is ridiculous, as I have not asserted an inaccuracy in the reporting by the furnisher, who is relying upon their information without means to independently determine whether it is fraudulent or not. That is why the identity theft blockage provision of section XXXX exists, to bypass the need to consider proofs. I have no proofs to offer to support a dispute, and thus my assertion in the form of a police report is being used to obtain blockage, not contest the accuracy of its reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have already attach the files regarding identity theft and data breach, My personal information has been compromised.I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION 605 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I need some help maneuvering the student loan bureaucracy and ask for assistance to help me qualify for loan forgiveness through the Public Service Loan Forgiveness ( PSLF ) program. Here 's my background : I have been paying monthly on my student loan since XX/XX/XXXX ( over 120 payments ). When I first started paying my student loan after XXXX school, I was making payments to Sallie Mae, which eventually was sold to Navient. Much like when a mortgage is sold, you just keep paying monthly to the loan provider, which is what I did. I also have worked full-time in XXXX XXXX for over 10 years. First, with the University XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ) and XXXX XXXX XXXX University ( XX/XX/XXXX- XX/XX/XXXX ). I qualify for the PSLF based on my years of public service and consistent re-payment of the load. Unfortunately, there is a loop hole in the law that the loans have to be consolidated under a directly consolidated loan through the federal government to qualify. Since was making payments through Sallie Mae and Navient, I was told by Federal Student Aid that my years of payments essentially " don't count '' toward loan forgiveness and I would have to consolidate the loan and make 120 more payments to qualify. I would have no way to have known about these options through Navient. This law was put in place to help those of us with crippling student load debt ; however, I would not have known to consolidate the loan back in XX/XX/XXXX when the law was put into effect. The issue is that I would have had no way to know this. I've done everything right. Consistent monthly payments for 14 years, working for state institutions and supporting public education. The issue is that

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On my TransUnion report it states TWO INACCURATE REMARKS I have addressed several times with no response and or correction XXXX XXXX  HELOC XXXX was paid off and should reflect a XXXX balance and XXXX XXXX heloc was re modified into a fixed rate loan and is NOT past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Well basically, I have 6 hard inquiries on Equifax which 2 of them I know about but then the 4 that I don't know showed up on my credit report. I didn't try to open any new credit cards that they mentioned so that there is false -INQUIRIES DETAILS- the 4 false credit card is XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX ^ XXXX XXXX XXXX , XXXX Again inquiry from XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  inquiry from XX/XX/XXXX Plus I have 1 Derogatory mark Collections- which I never opened an account with them its called XXXX XXXX XXXX for the amount of $ XXXX original Creditor : XXXX which was open on XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - And on XXXX, I have 4 hard inquiries which are -XXXX/XXXX- inquiry from XX/XX/XXXX -Institution Information- XXXX  XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX inquiry from XX/XX/XXXX XXXX Information- XXXX XXXXXXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX -Institution Information- XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX inquiry from XX/XX/XXXX -Institution Information- XXXX XXXX  XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: CORELOGIC INC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
CREDCO pulled my XXXX, XXXX, AND XXXX   credit report on XX/XX/18 with out my permission or written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Ingo Money, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Ingo Money App ( infomoney.com ) is a shell company created by XXXX XXXX XXXX XXXX ( XXXX ) that provides mobile/online check-cashing services via mobile app. My tax refund check was stolen out of my mailbox and fraudulently cashed using the Ingo Money App in XX/XX/2017 by an unknown person. I have contacted both the XXXX XXXX and Ingo to  obtain a refund of the money ( {$850.00} ) they facilitated the theft of and both have refused to provide restitution. When I called to inquire about the " customer '' who cashed the check in my name, Ingo admitted to having the thief 's email address and phone number but would not release it to me without a subpoena. Ingo also admitted that they do not require any identification whatsoever to cash checks. Their website advertises the option to cash checks into any form of cash that can not be traced back to the casher, such as XXXX gift cards. They also advertise that should a check be returned as unpayable, the casher will not be fined or penalized. Their business model is geared toward appealing to identity thiefs and scammers and they need to be stopped. To date, I have not been made whole for my stolen tax refund check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XX/XX/2019 a transaction on my debit card was disputed due to fraud. Bank of America initially credited my account but now is reversing the credited amount in dispute. I did not authorize the original transaction nor do I know who is using my identity and personal information to make purchases. Seeking assistance. 

Claim ID # XXXX Amount {$1400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i have tried many times times to correct these issues with XXXX  and Equifax many times, i have sent them letters on XX/XX/2021 to dispute this inaccurate information that they are reporting on my credit report and i have not heard from them concerning this matter.I will send this information to my attorney if not responded.i have attached copies of the letter below

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: SUNTRUST BANKS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Both creditor sun trust bank and agency credit report XXXX are not willing to take out the bad report from The account that is not mine! i was just authorized user for sometime for work related and I understand account has been charge off cause the account owner has passed away

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: SYNCHRONY FINANCIAL
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
During the covid19 period that debt collectors were not to be trying to collect debt I was contacted by XXXX, XXXX XXXX XXXX. It started in early XXXX. I sent proof that I could not pay and that I had funds that were not garnish able and asked them for no contact by phone. The amount of calls I was getting was insane. Very soon after We had a knock at our apartment door in a secured building. I opened the door thinking it was someone that I knew. It was a server not law but civil and he has no mask on which the sign is on both doors down stairs where he came in.Handed me the paper work and off he went. The Proof of verification had not yet came I asked for from before nothing. So I read everything and answered his complaint. I had filed bankruptcy in XXXX and being all the dates and transactions were redacted I had no clue when this was from. I did the best I could not having access to a lawyer and legal aid being closed. The lawsuit was for XXXX dollars and there was no mention of the fact the XXXX was sitting on XXXX in dollars in more debt, which is against the law. The only thing on my credit by XXXX at this point was the XXXX then on XX/XX/XXXX XXXX more shows up on my credit and never had a letter about it. I filed a complaint with CFPB in less than a week the name on the debt changed to the original credit card company synchrony. Well that is who sold the debt to XXXX  after they closed the accounts and wrote off the debt. I am told that because they put it on my credit and also left it out of there summons it is no longer owed to anyone. I still have not been given the proof of validation on anything. The amounts of the paypal  credit is disputed to paypal and they never should have sold the debt before resolving that.There was issues with items not arriving from XXXX  that was purchased paypal. They took and closed my account and sold the company to synchrony I am sure they never told them it was all under dispute as PayPal is 100 % guaranty to arrive and work. I have had thousands in items never arrive and some that did that were broken. That was never addressed by Paypal. These items are still on my credit report and need to be taken off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I have a XXXX XXXX account as an additional savings account I try to forget about except for when Im adding money to it. Im trying to transfer money from my PMC account, but apparently, PNC doesnt allow those transfers. This is stupid. Now I have to figure out how to get money from one account to another.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After viewing a copy of my credit report, I noticed XXXX collection accounts placed on my credit report from XXXX XXXX
I am unaware of any outstanding medical bills that I possess, and I have sought the name of the hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.
I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party.
Three letters have been sent XXXX XXXX in regards to verifying these account in regards to any contractual agreement that I have directly with XXXX XXXX. The final letter was sent via certified approximately 35 days upon no receipt of requested information.
Experian has also failed to mail me any information regarding these accounts are factual. Representative failed to listen to my attempts to contact XXXX XXXX and insisted that I continue to do so regardless of many failed attempts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted Transunion and spoke with a supervisor whom I advised Of 7 hard inquiries on my credit report that were not authorized by Me. I did not request for my report to be pulled by any of the companies listed below. I was instructed by the representative that I could file a complaint on the hard inquiries from the following companies that I will list below. 
XXXX XXXX refused to assist me in disputing the inaccurate information. She refused to dispute or investigation stating that they do not dispute the hard inquiries and that I had to contact the companies directly or if I did not want to do so I could file a complaint. 
My complaint is that Transunion does not have any signed documents that allow them to place hard inquiries in my credit report therefore I would like the removed immediately. the unauthorized Inquiries are as follows - I am Requesting that Transunion Remove the following Hard Inquires from my report. The report number for my Transunion is XXXX 1. XXXX XXXX - inquiry XX/XX/2017 2. XXXX XXXX XX/XX/2017 3. XXXX XXXX XX/XX/2017 4. XXXX XXXX XX/XX/2017 5. XXXX XXXX   XX/XX/2017 6. XXXX XX/XX/2017

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened a store credit card with Macys on or about XX/XX/2015. I purchased a shirt with the expectation to pay off the balance in full. However, sometime afterwards I ended up receiving a call that I was late on the payment. I had not received any reminder notices in the mail or via email and resulted in paying the small balance over the phone. However, it still has a negative impact on my credit report. If possible, I would like to resolve this issue. Please advise -thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX reports to credit report that the amount written off as {$6000.00}. The ending principal balance after accounting for all fees was {$5400.00}. I have attached XXXX 's payment history as verification of the discrepancy as well as how it appears on my credit report. I also attached a copy of a letter they recently provided me that said the blance should have been {$7000.00}. There are so many discrepancies with this account. The information XXXX is reporting there is no way it can be correct as they have sent me different letters stating different things, and none of it matches. There is not one item that matches on the explination of fees page with the transaction history or my credit report. This account must be removed as it is not 100 % accurate, and I'm not even sure we can trust thier validation of anything, since they cant even decide what the balance was or should be at the time of charge off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX reports to credit report that the amount written off as {$6000.00}. The ending principal balance after accounting for all fees was {$5400.00}. I have attached XXXX 's payment history as verification of the discrepancy as well as how it appears on my credit report. I also attached a copy of a letter they recently provided me that said the blance should have been {$7000.00}. There are so many discrepancies with this account. The information XXXX is reporting there is no way it can be correct as they have sent me different letters stating different things, and none of it matches. There is not one item that matches on the explination of fees page with the transaction history or my credit report. This account must be removed as it is not 100 % accurate, and I'm not even sure we can trust thier validation of anything, since they cant even decide what the balance was or should be at the time of charge off.

Company response to consumer: Closed with explanation