BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-07
Company: MB FINANCIAL, INC.
State: IL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
On XX/XX/2017 I transferred an IRA account from MB financial to XXXX XXXX prior to its maturity. The amount of the IRA was {$16000.00} however MB financial only transferred {$15000.00}. They said the difference was due to an early withdrawal penalty. The account was only paying 0.399 % APR at the time and the Truth in Savings statement provided when I initially opened the account has no mention of early withdrawal fees. The interest accrued at that point was {$32.00}. The penalty they charged was against my principal and interest in the amount of {$560.00}. I argued that : I was over XXXX years old and should be able to withdraw at anytime and the the original Truth in Savings information I had no early withdrawal fees. They said that that had been changed since my original opening of the account. Additionally prior to transferring the account to XXXX XXXX I checked there website for early withdrawal fees and none were listed. I faxed an original of the Truth in Savings document to them but was ignored. I can't believe they can get away with this practice? 
Additionally I received an end of the year statement stating that they distributed a full {$16000.00} from my account. They did not. Not sure how they are rectifying there books but this is fraudulent I received only {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Chase sent me an email stating that a payment was due. When I clicked on the link and logged into their site, it showed I had two cards each with a balance of {$0.00}. 

After the second time I received this email and attempted to pay, I called them and was told that I do not owe any money to Chase that all of my accounts show a {$0.00} balance. 

When I received a letter in the mail I called them again and after spending 45 minutes on the phone being bounced around to several departments I was told I have a balance on a closed account of ( approximately ) {$2500.00} and that they had charged late fees. 

I told them I felt this was shady as they wanted money from me but would not show me my statement. As of this date, about 4 weeks later, they still have not made my account information available on their website or sent an up to date statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 2021-01-28
Company: EQUIFAX, INC.
State: OH
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: Investigation took more than 30 days

Complaint:
I sent off two notarized dispute letters on XX/XX/XXXX and XX/XX/XXXX. It has been over 30 days and I have yet to receive a response from Equifax. With that being said under the FCRA, if an investigation is not completed 30 days after receiving a dispute letter, they must delete all of the unverifiable and inaccurate information contained within that dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Performant Financial Corporation
State: MI
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:
On XX/XX/XXXX, I receive a letter for the my employer, a school district, indicating that on XX/XX/XXXX they received an Order of Withholding from a company called of Premiere Credit of North America LLC, effective XX/XX/XXXX for a total amount owed of {$65000.00}. Prior to this, the district received calls from Performant and XXXX XXXX XXXX in XX/XX/XXXX indicating they are servicing the same student loans. A request for proof of the debt was made however none of the companies provided anything by mail or fax, rather stating they do not provide such documentation. I contacted the Department of Education on the evening of XX/XX/XXXX after work to find out who is servicing the loans and was given the name of XXXX XXXX, XXXX, and XXXX XXXX. None of these are the company who submitted the Wage Withholding Order to my employer. It seems that someone is flipping my student loans over to different companies and the balance is getting larger for the XXXX Degree that I earned 10 yrs ago. When the district received calls in XX/XX/XXXX from Performant, they were told that I recently applied for an installment loan and they were verifying employment. When they were asked to provide a contract or application confirming this alleged installment loan, they did not.

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 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX - new inquiry on XX/XX/2020 through XXXX XXXX XXXX XXXX - new inquiry on XXXX through Transunion XXXX XXXX XXXX -new inquiry- XX/XX/2020 through XXXX I have put a fraud alert on my name and social through XXXX and i have frozen my credit report with TransUnion and XXXX on XX/XX/2020 XXXX 

New inquiries are still being made after i put an alert out and froze my accounts. 
reached out to all the credit card companies that are trying to pull my credit report and nothing is being looked into or resolved

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 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account should not be on my report. It's not mine.

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 2020-01-23
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I noticed a fraudulent transaction in the amount of {$7500.00}, the transaction was made from my business checking account and is in the name of XXXX XXXX XXXX, I am the only authorized user on this account, and I own 100 % of the business, XXXX XXXX. 
I went to my local Key Bank branch located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX where XXXX XXXX, a branch employee, made some phone calls and reported that the money had been transferred to XXXX XXXX bank account, I explained that I did not have an account at XXXX XXXX. I was told to file an ACH return form, which would report the fraudulent transaction to the KeyBank. 

On XX/XX/XXXX I noticed a withdraw from my personal account at XXXX XXXX XXXX in the amount of {$3500.00}. 
I reported the fraudulent transaction to XXXX XXXX XXXX at the local branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. The account was closed, the bank opened a new account and returned the money to my new account the next day. 


On XX/XX/XXXX I received a call from XXXX XXXX, who is an ex business partner. He told me that he made the fraudulent transactions. 

My issue was settled at XXXX  XXXX XXXX and so I called Key Bank to update the bank with this new information, I was told that I needed to close my business account and open a new one, I also needed to complete a new form for the ACH department. 

XXXX XXXX at Key Bank told me to file a police report Key bank told me that provisional credit would be applied to the new account on XX/XX/XXXX. When that credit was not sent, I visited the branch and I was told that the matter has been escalated internally, that I could not call anyone at key bank to get information, and this is how the situation sits to this day. I have made several calls to the bank to get information, I have also visited the branch on at least two occasions to find out when my credit would be applied, only to be told there are no updates. 

Again, I am the only signer on the Bank account and I did not authorize the transaction for {$7500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Experian Information Solutions 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:
I was a victim of Identity theft. There was a bankruptcy filed on my credit report without my knowledge or authorization. I was able to provide documentation from the Bankruptcy courts and from the 3rd party company they use " XXXX XXXX '' that also provided me documentation that further confirms that they have removed this information from their report. However Experian and only Experian refuses to removed the a dismissed bankruptcy off of my credit report that has been confirmed is fraudulent. I need assistance with getting this matter resolved.

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 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
This is not a personal problem that affects just me. This is affecting every consumer in our country. You have to fight & make several phone calls to get to your free annual credit report or even if you're denied credit. All 3 of these agencies direct you totally to their " pay for sites ''. This is a scam & is directed totally to people of low income or seniors. People with high incomes & other means of income do not rely on these so called credit companies. I also realize my complaint will be tossed & never addressed before I die.

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 2020-01-23
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
This is not a personal problem that affects just me. This is affecting every consumer in our country. You have to fight & make several phone calls to get to your free annual credit report or even if you're denied credit. All 3 of these agencies direct you totally to their " pay for sites ''. This is a scam & is directed totally to people of low income or seniors. People with high incomes & other means of income do not rely on these so called credit companies. I also realize my complaint will be tossed & never addressed before I die.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
I corresponded with these companies over 30 days ago and asked them to investigate disputed accounts and provide proof with my signature or their method of validating these accounts and they have failed to do so.

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 2018-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My current TransUnion Report contains the same ID Theft data that is on the ( attached ) XX/XX/2018 XXXX XXXX XXXX XXXX Report # XXXX that I disputed and submitted on XX/XX/2018 - cfpb COMPLAINT ID XXXX Closed.

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 2020-01-23
Company: ALLY FINANCIAL INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-01-28
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I spoke to Equifax on numerous occasions regarding a split file. The managers a d special handling department refuses to fix my credit file causing a decrease in my score. If this is not resolved I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: EQUIFAX, INC.
State: CT
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:
Im experiencing financial hardship, being that Ive been impacted by covid 19 and I have been paying what I can and the credit bureau and XXXX XXXX is reporting that Im 30 days late. Due to the pandemic relief packages guidelines the credit bureaus are not in compliance and I made a payment on my auto in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: EQUIFAX, INC.
State: NJ
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:
FTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-27
Company: Experian Information Solutions Inc.
State: IL
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: Was not notified of investigation status or results

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.

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 2021-01-28
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX  are currently handling my private student loans from Citibank. I recently became concerned with their service when they began requesting payment while I was still attending XXXX school. Based on citibank 's policy, All payments are deferred while in school. XXXX claimed there was a time limit regarding deferment but could not provide a written document supporting this. It was clear that this policy could not be substantiated. XX/XX/2020, I requested to have my promissory notes from all three loans currently being handled by XXXX XXXX in order to verify if the deferment policy was listed on my signed documents. I only received two documents and was told that one was a mastery note ( that regarded three loan pay outs ) and the other was for only one. However, later I was informed in a phone call ( XX/XX/2020 ) that three promissory notes existed and would be sent immediately. This would prove to be false and I was sent only the two promissory notes again. Upon reviewing the notes, I found that I had checked a box that stated 'MAKE NO PAYMENT WHILE IN SCHOOL '. Also, I saw that there was a discrepancy between loan amounts on promissory note and what was being charged by Citibank based on XXXX 's records. I believe I have been charged for an amount that I did not fully receive and therefore also charged interest based on a wrong principle amount ( original loan balance ). I will be attaching both promissory notes that I have a received and letter from XXXX that shows what principle ( or what should be original loan amount ) and interest they have on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
These accounts are not mine.

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 2021-02-21
Company: CARD Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I got a card.com card specifically for the XXXX they offered to me and my friend the referrer if I satisfied their direct deposit amount by a certain date. I got the dd info immediately online they said I could set it up even before my card came in mail I gave it to my employer and they tried to do my pay it wouldn't work .I never got my card and I had moved so I called them to advise and that my dd wouldn't work they said they would send a new card and to try dd again I did again my employer tried it didn't work. I got a card and after 3 attempts my pay went on there but then they never gave me or my friend the XXXX and when I called about it they denied us because its only for " 1st '' time 1st card issued. Because I never did get my card the first one nobody knows still where it is, and tgey had sent a second card which I have now they say im not eligible! Thru no fault of mine, the card I have was and is my first account and card with them they know I never received first card, they are calling this card my 2nd card! They are rude and wouldn't link me to anyone for escalation so I quit routing my pay to card and now tgey keep charging me every month a service fee for not having my dd now I am on unemployment and I need that XXXX for me and my friend .we met their requirements and I have never gotten or been able to use the first account because I never got a card XXXX is their number XXXX bank is issuer through card.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving multiple phone calls from multiple different phone numbers related to Midland Credit Management. They don't leave a message. They call myself and my wife multiple times on a daily basis. I sent MCM correspondence in XX/XX/2019 letting them know of my situation, yet the repeated calls continue. The last letter I received from MCM was an acknowledgement of receipt dated XX/XX/2019. I would like for the calls to stop.

Company response to consumer: Closed with non-monetary relief