BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Transunion took {$1.00} from my checking account on XX/XX/2017 followed by {$19.00} on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 
Neither my husband or I could recall establishing an account with these people. 
It is possible after the XXXX scare they were used to see if our accounts had been compromised or may be it came from a loan application. 
Needless to say when I called to question the charges they initially would notn identify who they were, and what services they were providing. I also asked just were my call had been directed and expressed my feeling this was a scam or an attempt at identity theft. She still remained cryptic then they demanded my SSN which I refused then it went to just the last 4 numbers, then they wanted my credit card number charges had been made on. 
After a continuous run around while talking to her I XXXX   Transunion and found a site the appeared to be ligitament ... so I reluctantly gave her my SSN. This was the only way I could get the charges stopped ... My complaint is how can they charge me something I didn't want and put me vulnerable to financial/identity theft to get the charges stopped.

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 2021-09-14
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 do not belong to me, please block and remove according to 15 USC 1681c-2.

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 2018-02-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name isnt XXXX XXXX that is one error on my credit report. My name is XXXX XXXX so please remove these errors listed on my credit file. 2. All the addresses listed on my credit file is reporting incorrectly and the only address that should be reporting on my credit file is XXXX. XXXX XXXX XXXX FL XXXX. So please remove that error as well along with the inaccurate accounts and inquiries that you have been reporting on my credit file.

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 2023-01-04
Company: FISERV INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
XXXX XXXX, known as the California state 's Middle-Class Tax Refund. Issued by XXXX XXXX XXXX XXXX, XXXX Money Network. 
My complaint is against XXXX XXXX XXXXXXXX XXXX XXXX XXXX and Money Network. 
In California millions of California residents including me received a debit card from XXXX through Money Network. I am afraid to activate the card because many CA residents complaining, and it is in the news all over in California. Ch. XXXX XXXX. XXXX that when they activate the card there is no money on it. Another issue is for me and many California residents is privacy concerns. There is also the issue that you can't contact neither the Bank or the Money Network and speak to a live person to replace the debit card to a check. I tried to contact Money Network on the telephone on both numbers they provide on Money Network Website # XXXX and telephone # XXXX unfortunately no customer service. It is impossible to speak to a live person. Could the XXXX XXXX XXXX find out what are they hiding and why so many people after activating the debit cards find that there is no money on the debit card issued by Money Network?

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: 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 have contacted ALL companies involved, I have disputed the accounts over and over again, and XXXX  XXXX keeps coming back with information accurate, XXXX keeps sending this account to different collection agencies knowing that it is fraudulent, XXXX XXXX is not accurate, Previous account was paid and closed, XXXX stated they bought all XXXX 's companies accounts, I advised my account was paid and closed and no account should have ever been opened under new Management that would be fraud. 
I dont know how to get these items removed from credit report as they are affecting me in many ways. Most recent contact was XX/XX/2022. What do I need to do to get these accounts removed from my Credit. I have locked and Froze all my accounts. I have Disputed these and nothing is being done. Need help getting these removed.

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 2023-08-24
Company: BOK FINANCIAL CORP
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XX/XX/XXXX of XXXX, I called my mortgage holder ( Bank of Oklahoma ) . I was informed I owed approx {$3000.00} towards the loan to make it current ( approx 3 months of payments at {$880.00} + late fees ). I informed them I had already sent {$1800.00} ( 2 months of payments at {$880.00} + late fees ). This check was received and cashed by BOK within 2 days of this call ( on/around XX/XX/XXXX ). My bank confirmed the check cleared and was cashed by BOK. That would mean as of XX/XX/XXXX, I would still owe 1 month of a {$880.00} payment plus late fees. On/around XX/XX/2023, BOK mortgage sent my information to foreclosure/lawyers and stated I owed approx {$5200.00}, that there was Not a payment made on the loan since XX/XX/2023 and the loan was going into foreclosure. I called BOK to dispute the amount due and the timing of the last payment. After providing documentation, and waiting approx 2 weeks as BOK investigated ; I received an email that stated BOK had misapplied my funds to a different account and they were at fault. However, they then stated in that email that the loan " would've gone into foreclosure anyway '' even if they had applied the funds correctly. Their 90 day policy on foreclosure would have been timed so that XXXX was the 3rd month. However, their records indicated I was 6 months behind when foreclosure started because of their accounting error. Since i was concerned this accounting error had occured previously without my knowledge, I requested the last 3 years of payment history to correlate with my bank records. I also requested to speak to someone at a Supervisor level several times due to the nature of the issue and representatives not being fully aware or know how to handle the situation. They would not have a supervisor speak to me or even send an email. When i spoke to the last representative, the supervidor notes were incorrect. It showed BOK returned the {$1800.00} payment " because it was not the full loan reinstatement amount given by the lawyers '' However, at the time of payment in XXXX, there was NO reinstatement amount because tge loan didn't get sent to the lawyers for that reinstatement amount until XXXX. I informed them I could catch the loan up to the current date, but felt I should not have to pay the lawyers fees for reinstatement of the loan. I was told on Friday XX/XX/XXXX that the property had Not been scheduled for sale yet ( due to the issues discussed ) but I received a notice of sale on Mon XX/XX/XXXX that was dated for Mon XX/XX/XXXX. They also attempted to schedule a home inspection for sale without notification even though I have an active complaint open.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
This is for Zelle. If you get a new phone and all of the mobile apps have to download again ( mine from XXXX ) then Zelle counts you as having a new account even if you have had one for many years. Zelle now wants you to wait 30 days. This is ridiculous when you have ongoing transfers nearly everyday. 

Zelles customer support refuses to talk with you which is another problem. They want you to call your bank when its not the banks policy nor nothing the bank can do about it nor can they even call Zelle themselves. 

Also I notice this issue has spun off Zelle scams on the internet which need to be taken down!!! See these fake websites where someone answers and wants you to install software on your phone do they have access to it. Please get this to the FBI!! 

XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: HW Holding, Inc
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Nelnet, Inc.
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:
Nelnet has the wrong " loan origination '' date on my loans. 

My " loans origination date '' is only from XXXX. 

Nelnet states my " loan origination date '' is XXXX 

" Loan origination date '' is defined by the US department of education s " the date the funds were distributed from the Federal government to the school directly or the student ''. 

The loans originated XXXX. NOT XXXX 

Please correct the misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Im unable to open a bank account anywhere even after paying off the debt that I did not owe. I called the branch that I had the account with and they blamed me! Nothing has been done. All of my information was stolen from me my freshman/sophomore year in college and was used to put fake checks into my account. Ive been trying for the past four years to get another bank account and or credit Union and it wont work. I need a bank account it is 2021 and this is out of hand. I feel lost and uninformed on what to do to fix this so that banks can stop denying me!

I have a copy of my reports but I dont know what to do with the information.

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 2023-12-14
Company: PENTAGON FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hello, I had a security issue with my phone and decided to upgrade all financial account logins and passwords. I did so with no issue on XXXX XXXX XXXX When it came to PFCU the site would not process the updated password, I tried 2-3 times thne the next business day called in and spent over an hour trying to resolve. Finally I got a manager XXXX  who was polite and attempting to do what he could but after over 2 weeks there has been almost no reply and no solution to update the security of my accounts. I have also had trouble receiving email alerts that statements for credit cards are available. It is important as this is the way I know they are due to be paid. PFCU admittedly has had issues with their online presence. Minor things not working is frustrating but tolerable. Not being able to update and better secure your accounts is not. Maybe some prompting from your agency will help all PFCU members. Note- the customer service people are very polite and professional, but the management overseeing their online presence should be replaced. 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 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/2021 I sent a letter regarding inaccurate, misleading, unlawful, and unknown things on my credit report. Its been well over 60 days and I have not received any feedback regarding the serious matters in my letter. I feel that Im being treated very unfairly, taken advantage of, and ignored. We all understand that an investigation was supposed to be completed within 30 days and its been WAY more than 30 days. The accounts that I disputed in my letters have more than just one thing wrong with them. The disputed accounts have many things wrong with them, and we all understand every account that appears on my credit report must be reported A HUNDRED PERCENT ACCURATE, TRUE AND WITH MY PERMISSION. Every account I disputed in my letter have MANY problems and I DEMAND EACH ACCOUNT IS DELETED/REMOVED from my credit report NOW! Please remove these accounts from my credit report or Ill be forced to seek litigation and justice through the proper channels due to the immense stress you caused me and people close to me. My personal information was also impacted by the XXXX data breach and may have got a hold of by 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 2023-11-09
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-10-18
Company: Affirm Holdings, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of XXXX I was a victim of Identity theft and I filed a police report. There was someone attempting to open bank accounts and obtain other accounts with my ID and other identifying information due to someone stealing my information. I contacted XXXX to dispute a company by the name of Affirm. I contacted XXXX  and I disputed the inquiries and the actual debt. XXXX removed the inquiry but left the debt. Subsequently on XX/XX/XXXX I filed a new dispute and uploaded police report XXXX maintains debt is valid and disregarded police report and failed to provide me proof of validity of debt. I have not received any correspondence from this company outside of my credit report and calling the number abs sending in an affidavit via email disputing these three account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
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: Account information incorrect

Complaint:
They are reporting the wrong date when the credit card was open which should have been off my credit by now which my ex wife that was responsible for it have not made payments on it over seven years I need this fix as i spoke with Equifax and XXXX and have not resolve the issue the date that they are reporting when the account was open is not legit and is a very old account ... .Please help fix this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: EQUIFAX, INC.
State: SC
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 AM NOT A CREDIT REPAIR COMPANY AND NO ONE IS WRITING ON MY BEHALF. I XXXX XXXX, HAVE BEEN WRITING TO DISPUTE THESE ITEMS FOR A FEW MONTHS NOW AND I AM GETTING UPSET MY REQUEST IS BEING DENIED BECAUSE " IT SEEMS LIKE SOMEONE ELSE IS CHALLENGING THINGS ON MY BEHALF ''. PLEASE INVESTIGATE AND FIX THE ISSUES I AM REFERING TO.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
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:
Sent  certified letters with signature required to credit reporting agency Equifax, received and signed for on   XX/XX/XXXX     @   XXXX  . This was for request of validation of said debt. Company response was " This item has been updated to report satisfied/released. '' Company did not mark disputed on reports according to Federal Law FCRA  623  ( A ) ( C ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: MD
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:
Months ago, I have sent a letter to the XXXX credit bureausasking them to update this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$7700.00}

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 2019-12-26
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. I AM NOT LIABLE TO THOSE INQUIRIES AND WERE NOT AUTHORIZED BY ME. PLEASE HAVE THOSE REMOVE OFF MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: AMERICAN EXPRESS COMPANY
State: IA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/ an automatic payment went through on a personal loan I had with Amex. Not realizing I had automatic payments set up I made a loan payment as well on this date. Realizing I had made duplicate payments I contacted Amex on XXXX XXXX requesting a refund of the duplicate payment. Was told it wouldnt air 7-10 business days. Did not receive any documentation of this request in writing, despite receiving documentation in the mail or email every time I make a payment or update my information. I contacted Amex again on XXXX XXXX XXXX XXXX XXXX XXXX and was told it was escalated and would be refunded the next week, at the latest on Wednesday, XXXX XXXX I contacted Amex again on the XXXX and was told it was escalated but they had no date for resolution. Was told several times there was no superior person for me to speak to. Was told several times there was no documentation of my request they could send me in writing. Was told several times I would get a call back from a supervisor and I didnt receive one. On XX/XX/XXXX was given an email per my numerous requests for documentation notifying me my request had been escalated, but it did not include the nature of the request or the amount of the refund or the original date the request was made. As of XX/XX/XXXX, funds have not been returned. Next payment date is XX/XX/XXXX.

Company response to consumer: Closed with monetary relief