BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-24
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:
was denied from a lender due to " too many inquiries '' from Equifax. I was alerted by that, therefore I proceeded to check my credit reports from all the bureaus for accuracy purposes. I then noticed that there are several inquiries on my report that I DID NOT AUTHORIZE AND HAD NO KNOWLEDGE OF. I contacted Equifax and was given no relief and provided no help to my issue. I placed a fraud alert to prevent this issue in the future. Please, see the inquiries that were not authorized by me and when the report was improperly requested and received. I contacted the companies, they were unable to provide me with any information and none of them received any identification and authorization from ME to request my credit reports for any reason. 
XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX card - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX- XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
BofA decided to close my account. I received a deposit while account was " restricted '' BofA from XXXX until XXXX XXXX BofA CSR 's told me I would receive a cashiers check and it would be mailed on the XXXX. When i called on the XXXX BofA then informs me they can not mail me anything until the claims on my business accounts are resolved. so I had to close the claims totaling XXXX and lose any chance at getting it back just to get the money BofA is holding hostage. I have no access to my money and everyone I talk to seems to give me misinformation. I NEED MONEY FOR MY BILLS. BofA is a criminal enterprise

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 2023-02-12
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
When the Temporary Expanded Certification and Application ( TEPSLF ) was announced for Public Service Loan Forgiveness ( PSLF ), I contacted XXXX XXXX XXXX  and asked what I needed to do prior to submitting my application. 

I was told by XXXX XXXX XXXX  to transfer to Mohela as my provider and to consolidate 2 small loans, but that the rest of my student loans would qualify without consolidation. 

On XX/XX/XXXX, my principal signed the TEPSLF certifying that I have worked full time ( 45 hours per week ) in a qualifying position since XX/XX/XXXX. 

On XX/XX/XXXX, Mohela Student Loan Provider processed my TEPSLF. I waited the 90 days for my Payment Tracker to show that I have been working in public service since XX/XX/XXXX. 

On XX/XX/XXXX, I logged on to Mohela 's web portal to check my payment counts. Only 3 payments, from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are marked as " qualifying. '' My other payments are not even listed, let alone marked as qualifying or unqualifying. 

This is egregiously inaccurate. I have worked in public service since XXXX and do not understand why 1 ) my service during those 3 months qualified, but none of my other service qualified, and 2 ) why my other payments, including those that applied to EVERYONE during the loan repayment pause, do not show as either qualifying or non-qualifying. 

I have reached out to Mohela and keep getting bounced between people who say they're not sure what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: LA
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Home Design/Synchrony Bank keeps sending me statements for money and they call repeatedly on the phone ( I have a machine which answers ). I DO NOT have ANY business with them!! 
I have sent their statements back to them twice telling them I do not and never did have any business with them and they still persist!!! 
I have turned them in for fraud before earlier this year ; statement from them also attached dated XX/XX/2021. They still persist adding interest!! I never heard of " Home Design '' ...

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 2022-08-06
Company: CURO Intermediate Holdings
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company is trying to collect a debt that i do not owe i have never signed any contracts with this third party AD ASTRA Recovery serv nor them or XXXX XXXX office are loacted in the state of virgina This company also stated they have sent paper work through XXXX last time which that was a lie XXXX have nothing on file from this company to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My credit report shows the following depts from first fed credit control : XX/XX/2017 {$1100.00} XX/XX/2017 {$800.00} XX/XX/2017 {$420.00} XX/XX/2017 {$1100.00} These debts do not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX violated my rights to privacy 15 U.S.C. 1681 section 602A states I have a right to privacy. 15 U.S.C. 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX on XXXX violated my rights to privacy. 15 U.S.C 1681 section 602A states I have a right to privacy.

In accordance with the fair credit reporting act convergent account, XXXX XXXX XXXX violated my rights to privacy 15 U.S.C. 1681 section 602A states have a right to privacy.

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX violated my rights to privacy 15 U.S.C.1681 SECTION 602A STATES I HAVE A RIGHT TO PRIVACY 15 U.S.C.1681 SECTION 604A SECTION2 ALSO STATES IF ANY CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I initiated a {$20000.00} balance transfer on XX/XX/2021. On XX/XX/2021 the balance transfer was added to my account and on XX/XX/2021 the balance transfer was removed from my account due to the fact that they claimed I did not pick up a verification phone call. Barclay 's did this all in house. 

They are trying to charge me fees on the balance transfer that I did not receive. See attached credit card statement. 

I have spoken to them twice. The first time they agreed I was correct and agreed to waive the fees but that never happened. Second time they insisted that I did do a balance transfer but could not explain what happened to the money.

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-01-01
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XX/XX/XXXX I received medical attention at XXXX XXXX the total bill was for {$1000.00}. 

I made arrangements to begin paying the bill at the site : epay.parallon.com ( a Medicredit site ) with the first payment of {$170.00} being due on XX/XX/XXXX. 

They have continued to call and harass me about this debt weekly and even daily from multiple numbers stating that I am not paying the debt. I called the company on XX/XX/XXXX I called and explained in detail the payment arrangements that I had made on the debt. Again, on XX/XX/XXXX, I explained in detail the terms of the payment of this debt. I explained that my son had just died on the XXXX and that the debt was being paid and to LEAVE me alone during this difficult time and that any further contact would be considered malicious and cruel as the debt was being paid. They continued to call me on the XXXX, and XX/XX/XXXX, XXXX, XXXX from the primary number and from several other random numbers that showed up as Scam likely. But identified themselves as Medicredit. 

I received a threatening letter about the debt and an offer for a lower amount, when the final payment will be XX/XX/XXXX and the total debt in the amount of {$1000.00} will be paid. They deleted my online account to view where I set up the payments and refuse to allow me access to that account. I had used it to pay another medical bill this same year. 

I explained this to the people on multiple occasions even providing bank account reference numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed the account with National credit system several times before due to the amount showed due. I contacted the original creditor XXXX at XXXX XXXX, in order to request information on the amount that showed due. I was giving no explanation stated they have had new management so they do not have any documents from XXXX, just to contact National Credit Systems. Once I contacted National credit system I was told the balance was due to damages. I requested proof of damages as well as original lease and statements. I filed another dispute with XXXX on XX/XX/XXXX to validate debt and amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Sunset Solutions Group, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company keeps calling me and my family about debt but will not validate the debt. I asked for them to mail me a copy of validity of the debt and they wont. They also said I signed a form on XX/XX/XXXX which I didnt. They sent me that form and it wasnt my signature it was definitely forged. They are being super shady and will not give me paperwork on the debt.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XX/XX/XXXX, XXXX XXXX XXXX added an account for {$2100.00} to my credit profile that does not belong to me. This account was disputed and removed from my reports previously in XXXX. This item was re-added to my report on XX/XX/XXXX. I immediately disputed the item on XX/XX/XXXX and the credit bureau returned results on XX/XX/XXXX saying this information was verified. This is not my account. This account has been reported to XXXX, XXXX  and Transunion. This is not 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 explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2021-07-14
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Santander stated loan would be removed from my credit due to a lawsuit filed against the company. Santander was required per the lawsuit to remove the balance off my account. Car repossessed and sold qualifies for a deficiency balance waiver and showed be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: Navient Solutions, LLC.
State: GA
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 have sent in several letters of dispute for items on my credit report that are inaccurate. XXXX and XXXX are both showing several accounts showing open by Dept of Education and Navient for the same accounts. They also have some of these same accounts showing closed. It 's all a big mess and I am not getting any help in getting them corrected. The accounts show the same date and account number with two different loan comapnies. I have requested many times to have the loans validated and the balance and payment history to show correctly. They only respond back to me that the information was verified. I have requested proof of each loan and the balance. I have sent letters to Navient and the Dept of Education. I even sent letters to the CEO. These duplicate accounts and incorrect balances are causing harm to my credit worthiness to potential credit providers. At this point I feel that I have no other choice than to consider taking legal actions against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 am writing to report an ongoing issue with a credit bureau regarding the removal of fraudulent inquiries from my credit report. Despite multiple attempts to contact the credit bureau, they have failed to remove these fraudulent inquiries and have violated my rights under the Fair Credit Reporting Act ( FCRA ). I request your assistance in resolving this matter as soon as possible.

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 2019-01-14
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX-18 my agent submitted an offer and all documents to Ditech for the short sale. She has continually been asking about postponing the foreclosure sale date, but Ditech keeps saying they are missing documents even though my agent has sent them in repeatedly. when she called in today she was told they couldn't review the offer until they had a postponement of the sale date, which is THIS FRIDAY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent my letter off. I told the credit bureaus to " Names, Addresses, and Phone Number '' on my credit report. I have listed below. Also I have attached the letter I sent out.

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 2023-04-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/, I deposited a Cashier 's Check in the amount of {$5100.00} into my Fifth Third Bank personal checking account. When I checked my balance on XXXX XXXX XXXX I found that the cashier 's check deposit was not reflected in my account balance. I called the Fifth Third Bank and spoke with a supervisor to ask why the amount had not been credited to my checking account. He said that the Fifth Third Bank had placed a hold on the cashier 's check. I have reviewed Fifth Third Bank 's published deposit policy which states that a cashier 's checks are to be available to a depositor within one business day. 

My checking account with Fifth Third Bank has been in existence for over 30 years. 
I would like your help in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: CITIBANK, N.A.
State: TN
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:
On XX/XX/2019, I scheduled a payment in the amount of {$1100.00} which was the payoff amount on my CITI Bank credit card. During this time, I also made payment to other accounts including my mortgage payment and other miscellaneous debts. The following day XX/XX/XXXX, I noticed a withdraw from Citi Bank twice for the same amount totaling {$2200.00}. I contacted Citi Bank that day to have them resolve the issue only to be told that it will take 3-5 business days for the money to be returned. This delay for the return has caused major ripples in my finances with return of payments and late fees all due to a possible glitch in the mobile App used to make my payment to Citi. Not to mention the credit blemishes for late payments that will develop. The first Rep. that i spoke with insinuated that i made the mistake of making the payment twice, but after speaking with someone else, I was told that the two transactions happened within seconds of each other a proceeded to take ownership of the mistake.

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 2023-01-11
Company: CRED Technologies dba cred.ai
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
To date, after insurmountable emails and phone calls to the cred technologies dba cred.ai, an agent of XXXX XXXX, they still refused to abide by the XXXX, XXXX, XXXXXXXX XXXX " NO LIABILITY '' policy of crediting {$3000.00} back to my account due to prompt reporting of UNAUTHORIZED TRANSACTIONS. 

Cred Technologies dba as Cred.Ai, an agent of XXXX XXXX, caused insurmountable financial losses due to their intentional negligence in providing proper protection to my customer deposit account, causing me to lose my home, car, credit worthiness, not only during the 2022 XXXX XXXX but continuing on. 

To date, Cred Technologies dba as Cred.Ai REFUSES to reply in a timely manner, taking 2-3 weeks to reply by email and refuses to have a manager in the USA call me when asked multiple times.

Company response to consumer: Closed with explanation