BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-28
Company: U.S. BANCORP
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:
US Bancorp, inquires on XXXX XXXX and 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 2021-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 have disputed items on my report 4 different times now. I dispute inquiries that I had no idea was on my report. I have also called and spoke with the dispute department and was told that the inquiries was verified and will remain on my report. The only inquiry that is supposed to be on my report is XXXX XXXX. 
The inquiries couldn't have been investigate because I am the original creditor and I did not give my permission to anyone at Transunion and I have not made any other inquiries. In my dispute I ask for proof of verification and not a letter saying that it was verified. I am a natural person, consumer and original creditor of the United States Corporation. Transunion continues to violate my consumer rights and several laws of the FDCPA.

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 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
on XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2019-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 was looking at my credit report and I seen accounts and addresses that I never lived at. I have never lived in XXXX GA. There were several phone numbers that are not mine. Someone has open accounts for cellphone and cable bills. I do not recognize any of these companies : 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. I was looking into a home purchase when I discovered the account above. I have filed a report with the Consumer Financial Protection Bureau and Federal Trade Commission.

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 2020-07-17
Company: Jim Bottin Enterprises, Inc
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I can cancelled my gym membership with a company I wasnt satisfied with. So they would harass me in phone calls daily to the point I had to block the number since I was receiving 5+ call from abc finance.  They were claiming I owed them money and that if I didnt pay it they would send it to collections. I never once received any bills from to pay anything and I never received a bill that it was sent to collections. Now the company wont communicate with me what is going on and I have yet to receive a paper to settle with them. Plus I cant find anything that I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There was fraudulent transaction done at a teller and they say that my claim is closed with out giving me additional information There were 2 fraudulent transactions on my account made at a teller simultaneously on XX/XX/XXXX which was a Saturday.A stolen check was deposited in my account for $ XXXX and a withdrawal for $ XXXX was made with a teller.. I filed a complaint they suggested as there has been fraud on my account that I should open a new one which I did on XXXX XXXX.. When I made the claim they told me the $ XXXX that was withdrawn was a check and that it takes about 2 months to investigate.. they did put the $ XXXX back in my account so l just kept moving forward waiting to hear back from them.. on XX/XX/XXXX I receive an email stating that the case has been closed and not in my favor as the ID matched what they had in their records along with the signature.. both are lies, my license has been expired since XXXX and it was actually revoked around that time and I never got a new XXXX, so when I opened my account the ID that I used was my passport which they confirmed when I spoke to them today XXXX My signature is pretty simple but I've been signing my name the same way for years and I guess lesson learned.. I have spoken to countless people to no avail.. they pretty much say that as it's not a large sum of money by Bank of America standards they are not going to help me.. they will not disclose any information to me like a copy of the deposit or withdrawal slip which they used as evidence to rule against me.. they will not tell me the branch or even what state the transactions took place.. everyone I talk to makes me feel like I am wasting their time even though is MY money.. today XX/XX/XXXX Bank of America had move $ XXXX worth of funds to the new account to cover the {$2500.00} that they took withdrew from my old account which has not been closed as the investigation is still pending after I filed a complaint with the OCC.. i did get a call from a XXXX XXXX from the Bank of America complaints branch but still have not heard anything back I filed a police report as well and have been following up with them.. it's very difficult to believe that I have to jump through so many hoops to get MY money back.. I have attached copies of the fraudulent check that was deposited.. I did call the company on the front of the check and their company checks were stolen and they had {$50000.00} worth of fake checks written one which was put into my account the signature on the back of the check does not match mine which they stated. I have attached the police report, a screen shot of my online banking which shows the 2 transactions as well as the 2 emails that I received from them explaining why my claim was denied

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 2020-11-28
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: EQUIFAX, INC.
State: TX
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 consumer recently sent in letters of unauthorized false invalidated information on my credit report and hasnt been sent back my investigation as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Regions Bank, Recently I filed two claim ( s ) for unauthorized purchases on my check card, and they were immediately denied requesting supporting document. 

I would like my money back and ask that the CFPB step-in and assist me, in retrieving my money. 

Claim ID ( s ) : XXXX & XXXX Dates Filed : XX/XX/2020 I would like proof of how it was investigated, how you determined that they were valid charges, and proof that they were actually investigated otherwise I will be taking more steps. 

I ask that the money be returned to my account immediately upon reviving this notice.

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 2023-05-12
Company: EQUIFAX, INC.
State: NC
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-25
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am a XXXX XXXX XXXX, a XXXX, and trying to move forward with the PSLF ( Public Service Loan Forgiveness program ). My loan has been bounced around from one loan holder to the next since I graduated in XX/XX/XXXX. While I have been on the required income contingent repayment plan and have not missed a payment since graduation, neither my current loan holder MOHELA, nor the Federal Student Aid Student Loan Support Center ( nor the US Department of Education ) have a record of the total number of months of my repayment. Because a new company ( MOHELA ) currently holds my loan, past companies who have held my loan no longer carry record of my months of repayment either. Due to lack of transparency in the sale of my loan from one company to the next, there is no way for me to verify my months of repayment for the Public Service Loan Forgiveness program -- this means that I may be paying unnecessary and excess interest on my loans for having tried to participate in the PSLF program since graduation in XX/XX/XXXX. 
I have contacted MOHELA several times looking for records. The last date ( and only one I have clearly documented ) is XX/XX/XXXX. 
I have contacted the Federal Student Aid Student Loan Support Center : the last date is XX/XX/XXXX. 
I have contacted the US Department of Education : the last date is XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm filing this complaint to alert you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and discovered that I needed to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and that Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report per FCRA section 605b. Please see the ATTACHED materials for assistance in preventing the incorrect information that is being uploaded to my report. The following is a list of accounts and objects that do not belong to me or were opened without my authorization. 
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. According to FCRA Section 605B ( a ), CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer designates as information resulting from an alleged identity theft within four business days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm filing this complaint to alert you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and discovered that I needed to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and that Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report per FCRA section 605b. Please see the ATTACHED materials for assistance in preventing the incorrect information that is being uploaded to my report. The following is a list of accounts and objects that do not belong to me or were opened without my authorization. 
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 According to FCRA Section 605B ( a ), CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer designates as information resulting from an alleged identity theft within four business days of receipt.

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 2023-05-12
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 submitted a complaint last XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
To whom it may concern, On XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX ( who took over the XXXX XXXX   XXXX XXXX I originally had my loan with ). As per the service specialist rep I spoke with, I made two separate payments XXXX & XXXX, respectively. On XX/XX/XXXX, I received a check from XXXX foe over payment of XXXX, which I promptly deposited into my bank. When XXXX XXXX took over from XXXX I started receiving bills again claiming I still owe money. I tried to contact them but they did not really look into it they just called to let me know I owe the money even after I explained. I tried to contact XXXX and/or XXXX but they are no longer in business. 
I am attaching a photo of the slip that was attached to the check and the cancelled check from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My husband and I opened a joint account at Chase in XX/XX/2021. We did this in person at a branch. We brought all the required identity documents and extras just in case. All of our information was verified, and after over an hour, the account was opened. A couple of weeks later, my husband went to pay his credit card bill, and find out that his account was locked. Chase seemed to think there was something fraudulent going on with my account. It took multiple calls and several hours on the phone to resolve this. The obviously outsourced customer service seemed to have no clue what they were doing, and kept transferring me to different people, or telling him he needed to go into a branch. After several tries, the issue was finally resolved, or so he thought. My account was similarly locked, and we can not get any help. We spent half the day on hold, talked to several agents, and while on hold for yet another agent, the call went completely silent. We are completely fed up. We both need to be able to access our accounts, and we do not think it is too much to ask to be able to contact support when needed. Having overseas reps that can barely speak English and can't understand the issue or how to resolve it is asinine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was trying to help out friend sending money through PayPal.This was first time sending money to my friend and the name popped for a person I dont know with similar email I can see if knew the person. I called PayPal less than 5 minutes after the incident and let them know I made a mistake the rep told me that that the customer didnt speak English. I really need the money which put me in a hardship. I am demanding my money be refunded to me or I am going file small claims court.My credit union will not return the money because they said it was a PayPal issue.The email was supposed to be a XXXX and not XXXX.The name pops up which makes it confusing and the system doesnt allow you to manually type in name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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