BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS 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 non-monetary relief
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: AZ
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:
This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX  Balance : {$110.00} XXXX & XXXX XXXX Balance : {$960.00} XXXXXXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX

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 2023-02-09
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have PSLF payments made on this loan that are not showing up. When I inquired about it with the company, they advised they would get back to me and they never did. It has been over 8 months since they took over my loan from a different servicer and there have been no changes on my account or updates on my payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events.

I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

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 2023-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX with Bank Of America XX/XX/233 My XXXX XXXX XXXX  User ID information was requested, by someone other than me. 
XX/XX/607 My XXXX XXXX XXXX  User ID information was requested, by someone other than me. 
XX/XX/1230 phone XXXX ( XXXX XXXX {$290.00} ) Purchased on XXXX XXXX XXXX Family from XXXX XXXX XXXX store In XXXX, NV. False impersonation of XXXX XXXX ( account holder XXXX XXXX XXXX XXXX fraud case # XXXX XX/XX/1320 My XXXX XXXX XXXX  phone number XXXX was Ported to XXXX XXXX XXXX XXXX Fraud case XXXX XXXXXXXX XX/XX/1320 My phone stopped working Fed XXXX Bank of America online account password reset Sent to XXXX XX/XX/1337 Bank of America XXXX account transferred {$1.00} to XXXX XXXX using my phone number. Then {$1700.00} to XXXX XXXX ( I was still unaware of this transfer or phone number being taken over ) XX/XX/1413 Could not login to the BofA account, So I called BofA associate " XXXX '' who said no suspicious activity had happened, and encouraged me to reset my online password, which I did. 
XX/XX/1540 I attempted to login to BofA, password had been changed again. Called BofA associate " XXXX '' who informed me a XXXX transfer of {$1700.00} had happened.

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 2023-04-25
Company: OneMain Finance Corporation
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My bill is due on the XXXX  of each month. On the XXXX, they start calling me at least 4 or 5 times a day, every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Experian Information Solutions 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:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-10-01
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Citibank refuses to apply XXXX benefits to my account. I am a covered borrowed according to XXXX guidelines, as I am an XXXX XXXX member of the armed forces. Application of XXXX was requested 3 times via email, each was accompanied by proof of XXXX XXXX status. Each email was addressed by Citibank via a letter that stated I was not a covered borrowed at the time the account was opened, which is an incorrect statement. Finally, I called the credit card issuer, and the only explanation I was provided was connection to a recorded line explaining again that I was not a covered borrower at the time the account was opened. I was and continue to assert that I am a covered borrowed under XXXX, both now and at the time of account opening, and Citibank refuses to recognize it.

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 2023-10-01
Company: Affirm Holdings, Inc
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The company XXXX has obtained my consumer report on XX/XX/2022 without my knowledge or consent. I have not given written or verbal consent to XXXX to access my consumer report. This is a violation of my rights under the fair credit reporting act ( FCRA ), specifically 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2019-03-20
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My parents dog recently passed away suddenly and I wanted to get them a new puppy. 

I had been checking into puppies when my mother notified me she had found one through a friend who had gotten a puppy from this company and they were more reasonably priced. 

As they were referred by a friend, and we checked all the puppy scam lists, we were not hesitant to move forward on the transaction. We both signed the contract electronically and on XX/XX/2019 XXXX ET I transferred the money to them through XXXX XXXX XXXX. 

We were to pick the puppy up from the airport on XX/XX/XXXX. They answered all my mother 's phone calls and emails and were very cooperative. 

On XX/XX/XXXX, I received a text message from my mother that she now saw them on the scam list. What we didn't know was that the couple who was referred to us had retired and this company purchased their domain name since they had such a good reputation. 

I have been told by my bank, Huntington, that since it was a XXXX transfer there wasn't anything they could do. When I called again they said they would open a case but it would take 60-90 days and still probably couldn't do anything. 

My mother filed a complaint with the XXXX, TX Police Department ( we are still waiting on a case number ). The FTC ( XXXX # XXXX ), the ic3.gov ( Victim # XXXX ), the XXXX, she found their IP address and spoke to the hosting company for their website and got it shut down, to XXXX to get their email addresses closed and to XXXX so they could be put on their list as well. 
My mother was told that do to the severity of the problem, it is now under the umbrella of Homeland Security. When my mother followed up with the FTC and ic3.gov, they both stated that if we had any problem with the bank to notify them. 

All I'm asking is that, as with any other fraud claim, the money be returned to my account while its being investigated. We certainly have enough information to proof it was a scam/fraud. 

My concern is, if they take 60-90 days to investigate, this company will be shut down and there will be no way to make contact with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XXXX XXXXBank of America 's Auto Loan Customer Service Department reached out to me to tell me my car loan was paid off and I was owed money back for overpayment, and that they were closing my loan account. 

I looked into my personal account, with another bank, to pay bills and came to realize that Bank of America drafted XXXX ( ten ) times the amount of my monthly loan payment and that I was at a negative balance. Luckily I had over-draft protection. Seeing how I couldn't prove that it was either my fault or their fault this came to be, I called them back to ask that my over-payment be returned immediately seeing as how I had no money. I e-mailed Bank of America at XXXX. I was informed that i had to show proof it had cleared my personal account before they could go any further. I sent them an e-mail showing it had cleared my account and a separate e-mail stating that this payment had to be a misunderstanding. I wasn't going to fight to have the account reopened and delay the process of having my money returned. I was then called by a member of Bank of America to say my overpayment would not be returned until after the end of the month of XXXX and that my request to have my money back immediately was denied. I called again XX/XX/XXXX to speak with the loan officer that denied my request to have my funds returned promptly but have yet to speak with her. I called again for a third time to see where they were at on this case and was told there was nothing that could be done, while I sat at home wondering how to keep the lights on. 

XX/XX/XXXX, I called again to tell them I would like my money for overpayment back immediately or I was going to file a formal complaint with CFPB. That fell on deaf ears. 
On that same day, a lady by the name of XXXX called me and said If I send her a copy of what I sent already, about the bank statement showing the ACH clearing my account, she may be able to help but with no guarantees. I delayed filing my complaint report on hopes that she could work her magic and get my money returned. XX/XX/XXXX, I am contacted again by XXXX to tell me politely that they couldn't do anything. I just had to wait to receive my money when they send it out. 

I am owed in excess of {$6400.00} and this has put a financial burden and stress on my family and myself. I will never do business with Bank of America again

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 2019-07-30
Company: CL Holdings LLC
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had an account show opened XX/XX/2019. Evidently this is an old XXXX XXXX account. The amount was {$2200.00}. This account was 10 years old and had already dropped off of my credit reports, then reopened and pulled my score down causing me to lose the pre-approved status on buying a home as well as {$1000.00} invested in septic permits etc. Then the account fell off again because, as I said, it was past statute of limitations and illegal to continue reporting. But why was I not already protected from this unethical approach? Then, XX/XX/2019 it was updated and bought by Jefferson Capital Systems. The balance was updated on XX/XX/2019. Now my score is being pulled down again after having worked to recover and about to pursue home buying again. I dont understand what gives either company the right to try sneaking around the law that was put there to protect consumers. This seems to violate the Fair Credit Reporting, it is definitely devious and unethical, Im pretty sure its illegal, and For these companies to join together in unfair practices against any consumer to manipulate them for money is unprofessional. Why are they not subjected or feel like the law doesnt apply to them? I want justice. I can not continue to be punished by greedy collectors and spiteful businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account # : XXXX Account Name XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX XXXX XXXX  : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account XXXX : XXXX Account Name : XXXX XXXX  : Account # : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-01-21
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-09-27
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2023 I walked into my local CITIBANK branch located on XXXX s. XXXX with a cashier check in the amount of {$15000.00}. XXXX XXXX was the banker who assisted me in opening my new account. I told XXXX XXXX about the issue Ive been having with another bank that why the money was issued to me in a cashiers check. I had recently closed an account with XXXX BANK and wanted to start an account with CITIBANK. XXXX XXXX assured me that he was going to take care of me and everything was going to go smoothly. I gave XXXX XXXX my information plus my check he came back with a receipt and told me my card was coming in the mail by XXXX  the next day and o would be able to come into the bank the following day which was XX/XX/2023. The next day I came back to the same branch to try to retrieve funds from my account and the bank teller says that there was an hold on my account and the check I received from XXXX XXXX wasnt real. I immediately became suspicious and upset. The XXXX at that branch was very rude and disrespectful. As I was trying to contact XXXX bank on my cell phone to assure the XXXX at Citibank that the cashier check was legitimate he pursues to call the police on me and told the police officers to remove me from the premises and I was no longer able to return. As I was still on the phone with XXXX they told me just come to their branch the next day and they would cancel the cashier check and issue me another one. Today XX/XX/2023 I went to the XXXX XXXX  on XXXX XXXX XXXX who initially gave me the cashier check and they informed me that CITIBANK had cashed my cashier check and that they had my money. I proceeded to call CITIBANK while still in XXXX the customer service agent told me I had to go back to the branch where I started my account with. So I proceeded to the CITIBANK branch on XXXX XXXX and as soon as I walked in th XXXX proceeded to call the police on me. Now CITIBANK say they put a hold on my check.

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