BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Transunion is reporting a company by the name of XXXX XXXX, if do not recognize this information as a creditor and nothing can be found with that exact spelling. Please help. 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 2018-01-30
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX I was blocked from accessing my account for no known reason. I am highly upset with td and the way they handled this situation. Was on hold for over 30 minutes and treated rudely.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Experian Information Solutions Inc.
State: MS
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 filed multiple disputes with Experian regarding XXXX XXXX Bank credit card accounts which have been legally extinguished by operation of Mississippi law, MS code annotated at 15-1-3. I have also noted in the multiple disputes that the actual dates of first delinquency as defined by the FCRA and affirmed in FTC advice, and control reporting are beyond the seven year allowed time period for negative reporting contained in the FCRA. XXXX accounts well over eight years past the date of first delinquency and the other XXXX are well beyond seven years, also well past the seven year allowed time for negative reporting in the FCRA. 

Experian recently in its response to an earlier CFPB complaint simply sent a template response without addressing the conditions of the complaint, nor the evidence submitted in my disputes to Experian and in the prior CFPB complaint which was a notice from XXXX Bank, the FOI of the XXXX extinguished and obsolete accounts which clearly demonstrated the actual dates of first delinquency which are beyond the seven year time period in the FCRA and as such make the accounts obsolete. 

Experian is obfuscating their obligations under the FCRA and continue to simply parrot the response of account verification by XXXX in direct contribution of the XXXX Bank notice, and not only have failed to perform a reasonable investigation, but have not even addressed the evidence in its prior response to my CFPB complaint

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 2020-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am writing on behalf of my mother, who is XXXX. I recently received power of attorney over her affairs. 

Starting no later than XXXX XXXX and possibly before then, somebody provided XXXX XXXX with the information necessary to charge their bill to my MOM 's account. As an elderly person, my Mom did not adequately check her bank statements and was debited via ACH over {$200.00} per month without any authorization. 

I contacted Bank of America and they disputed the previous three transactions and said that is all they can do. I contacted XXXX XXXX XXXX team and they confirmed for me that XXXX does NOTHING to verify that when they are given an account number and routing number, it actually is authorized. The name of the person who did this is NOT the same as my MOM 's or even close. XXXX said there was nothing they could do ( other than give me {$600.00} credit to MY XXXX account as my Mom has a phone on my account ). Keep in mind : my MOM has NO relationship with XXXX directly. She just has a phone on the XXXX network through my account. 

I think XXXX is skirting ACH rules that require their originating bank ( or them through contract XXXX to require further verification that a routing number/account number is indeed authorized to debit money from said account. Plenty of places use micro deposits or voided check to do this. XXXX told me multiple times they do NOTHING and rely on the consumer to protest invalid transactions. 

This is elder abuse. I want XXXX to refund ALL the money to my Mom 's 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 2018-03-26
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Every Monday precisely at XXXX EDT Fair Collection and Outsourcing call me every week. I have sent a letter to them to only contact me via USPS and to validate the debt. Fair Collection Outsourcing has failed to send me a letter via USPS, but instead they have called me during work hours on my mobile phone.

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 2020-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am paying my {$25.00} Capital One credit card bill today XX/XX/2020 by checking account by phone, but was told that my checking account number is invalid. 
I called my banking institution to verify my routing and account number ; bank officer verified both are valid. 
I tried again to pay my bill via phone, but was given the same answer by the automated system that my account is invalid. 
I will be charged an exorbitant late charge fee after today, XX/XX/2020, if the payment is not accepted by the company today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I must admit that you removed some of the errors but you continue to report several other errors. Now I dont know why is it taking so long for you guys to remove the rest of the errors. I have complaint to you guys several times. I am asking that you guys remove the accounts and inquiries that I have attached to this message file. I am in distress and this have caused major problems. I am sending this as an internal dispute and as an affidavit. I am unaware of the accounts listed on my credit file that is attached. Please remove the accounts within 24 hours because I have waited more than 120 days to see changes on my credit file. I will definitely follow up in a few days to see if the accounts are removed. I sent an affidavit, FTC number a few months ago showing that I was a victim of fraud and I was affected by more than a several credit breaches. Please remove the errors permanently your company continues to list on my credit file. If your company continues to list the error accounts and inquiries on my credit file I wont be afraid to take legal actions and this isnt a threat so please dont be offended but I lead by action. 
Please accept this letter as a written request to dispute the following account information of items appearing on my credit report. To prevent any confusion, i have listed the items and the account numbers below. 
Accounts & Inquiries listed in the attachment areas. 
Explanation. I am requesting that the following account be removed immediately from my credit report. Im seeking further legal advise in addition to working with police investigators to locate the individual or individuals who is responsible for fraudulently establishing this account without my permission or authorization. Ive tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report. If i am unsuccessful with this attempt i will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendant. It is my understanding that per The Fair Credit Reporting Act this requesting must be given attention and completed in 30 days of your receipt, thank you for your prompt attention to this matter. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Nelnet, Inc.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was affected by the 2017 XXXX Data Breach, everything presented below is proof of fraudulence from that breach. Below are the listed violations and accounts with exhibits that have committed such violations. This company violated my consumer rights and heavily impacted my credit score on XXXX, XXXX, and XXXX  by sending it to collections and on my credit accounts. I have no knowledge of this and want them removed due to fraudulence. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " It states an entity, company, person, etc. are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts an entity, company, person and etc. post on a credit report. No consent by definition is identity theft. No permission was given to this company or any consumer reporting agency to have my consumer information which is a violation and infringement of my consumer rights and most detrimentally my rights to privacy as a consumer. By federal law any authorizations made from the extension of a credit card ( SSN, ID, or Plate ) should not be included in a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CONTACT INFO DEPT OF ED / XXXX {$20000.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some  contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX   and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: Immediate Credit Recovery
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I received ppwk today from my payroll department who sat on my notification since XX/XX/2020 for Wage Garnishment started XX/XX/2020 for {$100.00} per pay period. 

This account is being collected by Immediate Credit Recovery , Inc. and this company has now almost tripled the amount that I am required to pay back. 

The loan was originally for right around {$11000.00}, but the 3rd party collection agency is now charging me {$36000.00}. I will repay the loan through wage garnishment, however, the interest I what I have an issue with and will not pay the interest. The original creditor is U.S. Department of Education XXXX. 

I do NOT want to deal with Immediate Credit Recovery , Inc., because they are too much of a hassle and want entirely too much information which is difficult for me to obtain and takes too much time to deal with as they call, constantly. 

I also never received anything in writing from them, before this notification, over the last year. I want someone from the Department of Education to deal with the collection agency and tell them that no interest will be paid to the agency, above what the actual amount of the loan, is. Immediate Credit Recovery , Inc.,  are RipOFFS! No ONE should have to pay that Much interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: I.C. System, Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
IC Systems # XXXX, # XXXX, and # XXXX are reporting accounts with balances to my credit report that should no longer be on there. I have settled all these accounts and they should not still be reporting collections with a balance. This is in violation and I want these removed off my credit.

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 2019-01-24
Company: EQUIFAX, INC.
State: NY
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 contacted Equifax regarding the XXXX XXXX that was reported inaccurately on the file the manager reviewed the submitted documents and advise that she requested to have the account deleted due to the documentation submitted she also documented the file and advised it would take about 72 hours to be deleted and provided me with the confirmation number of # XXXX. I then contacted Equifax on XX/XX/XXXX and was advised it was removed however, they removed the wrong XXXX  account. When I called to advise then they gave me the run around and refused to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: EQUIFAX, INC.
State: FL
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:
XXXX, XXXX AND EQUIFAX HAS ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINEAND INACCURATE. 
ACCOUNTS : XXXX XXXX XXXX NOT MINE, PLEASE DELETE XXXX  XXXX XXXX NOT MINE, PLEASE DELETE XXXX- NOT MINE, PLEASE DELETE XXXX XXXX XXXX XXXX NOT MINE, PLEASE DELETE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-24
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX, and I applied for a Reverse Mortgage in XX/XX/XXXX with XXXX XXXX, now it is being service by XXXX XXXX. I have kept the property in impeccable condition and have kept Insurance and pay on the Taxes when due. 
In the fall of XX/XX/XXXX following a storm, I was doing repairs on the Subject Property, and felled on hit my head on the pavement below. I did not go to the doctor, and over time the concussion caused a XXXX to develop and interfere with my memory, cognitive skill and I acknowledge, that I did miss my XX/XX/XXXX Tax Payment due no later than XX/XX/XXXX. 
I received a notice for XX/XX/XXXX and it showed a unpaid tax for XX/XX/XXXX, and when I contacted the Tax Collector office, they told me it was paid by my Lender Nation Star on XX/XX/XXXX. 
I HAVE NO PHONE NUMBER FOR NATION STAR. I called XXXX XXXX XXXX and could only talk to a robot. With my head injury, and little knowledge of XXXX, I was befuddle as to what I should do. I tried to pay the XX/XX/XXXX Tax, in XX/XX/XXXX, before going into the hospital, but was told that Nation Star had already paid. While I was in the hospital in the Intensive Care Unit, I received a Foreclosure Summons from the Attorney for Nation Star. I am XXXX years old, my Spouse suffers from XXXX, and I can repay the Bank for the Taxes they paid, but neither XXXX XXXX or Nation Star ever contacted me by phone, or letter about repaying the Taxes. I do not want to lose my home for XXXX. Seniors should not be treated this way by hauling them into Court on wheel chair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX uses XXXX XXXX as their credit crd holder. Last year I wated to purchase a bedroom suite from XXXX, however wanted it to be delieve later this year after work was completed in our home. This would have been great, Why because XXXX doesn't charge the card until after they have delivered or merchandise has been picked up or delivered. Well I also purchased a piece of wall art and due to the size of returned it within the three days allowed for return. a few months went pass and I never saw it being credit back onto my symphony bank credit card for XXXX. So I called the credit card company who told me I had to call the store which informed me that the credit for the return was put towards a purchase ( bedroom suit ) I was making and awaiting on delivery! 
Why would you put the credit which should have went on the card it was purchased on towards merchandise you have yet picked up or have delivered? Apparently XXXX XXXX XXXX has this setup with the credit card company! This is wrong in so many ways. Merchandise purchased on a credit card should be credit back to that card used to pruchased it with not - depending on if the consumer has purchased other merchandise that has yet been charged to the card! So I had to cancel the bedroom suit in order to get the refund return amount put back onto the card which showed me owening for not to mention paying the interest on something I had returned!.

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 2017-12-18
Company: Freedom Mortgage Company
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On Friday XXXX XXXX XXXX we had signed our closing papers with XXXX XXXX. On the papers, it said that they providing us with an interest rate that is 2.5 % BETTER than our current one, which is FALSE. And they are charging us {$3400.00} for it. They rate with them is actually MORE than the one we currently have. The man from the closing company told us just to sign these and let them know and they will edit the information, and probably just cut us a check for the difference. It would be fine because we have 3 days to back out. So we continued to sign the rest of the papers, and now NOBODY will get back to us from XXXX XXXX. I am getting VERY nervous and frustrated.

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 2020-02-20
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 pulled my credit for the time in 8 years and I have many derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX XXXX {$350.00} XXXX  XXXX XXXX {$370.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$76.00} US DEPT ED XXXX {$6900.00} DPT ED/XXXX XXXX {$6000.00} DPT ED/XXXX XXXX {$3500.00} DPT ED/ XXXX XXXX {$1700.00} DPT ED/XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
on XX/XX/XXXX I paid XXXX of my balance leaving a XXXX dollar balance, on XX/XX/XXXX Capital One charged me XXXX dollar interest fee.??? They will not remove the charge and I asked how can you charge me that much interest on XXXX??? The rep could not give me a straight answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-29
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I initiated a transfer of {$270.00} worth of Bitcoin on XX/XX/XXXX that was supposed to post to my bank account on XX/XX/XXXX. The Bitcoin was immediately deducted from my account. After waiting a few additional days for the money to be deposited, I submitted a support ticket with Coinbase on XX/XX/XXXX to no response. I reached out to them on XXXX on XX/XX/XXXX and also received no response.

Company response to consumer: Closed with explanation