BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2023-11-11
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have ordered XXXX XXXX  XXXX from Bestbuy. XXXX Upon opening the package, I discovered the screen has a crack and ordered the replacement on XX/XX/XXXX after reported to Bestbuy. I mailed back the damaged package with tracking #. A day later XX/XX/XXXX was order was canceled by Bestbuy with no reason giving. When I asked why the replacement was cancel the agent has no answer for me. Then I decided to order from another vendor XXXX. I ordered the same phone with XXXX instead. Same price XXXX. 
The following week it was XXXX XXXX the same exact phone was reduced to the price of {$850.00} I have returned back the XXXX order and purchased the lower price one from XXXX again order #. 
Until XX/XX/23 I have discovered on the credit card investigation package of tracking # XXXX that was sent to my address. I immediately reported to Bestbuy that I havent never received any notification or any type of communication. Bestbuy agent refused to help and ask me to contact XXXX for a missing package that they sent. When I contacted XXXX, I was told only sender can request credit and from receiver. Bestbuy refused to file a missing package on my behave and refused for refund along with the BestBuy credit card company.

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 2022-10-19
Company: Experian Information Solutions Inc.
State: MI
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 XXXX  ; account XXXX XXXX XXXX XXXX XXXX has violated my rights. 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 an account without my written instructions I have sent multiple letters and emails ; also called both companies and exampled to them that this account is not mine. By this account reporting false information on my credit report, it has caused lenders to refused applications ; which put my business in a financial deficit. Please assist me with this issue by removing is fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX request 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, SC XXXX XX/XX/2021, XXXX  XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$2400.00}, XXXX XXXX XXXX  XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
In XXXX I completed my XXXX XXXX XXXX and in XXXX I completed my XXXX XXXX XXXX from XXXX University. In XXXX my husband and I were forced to file bankruptcy due to insurmountable amount of medical bills. 

Since this time, I have been diagnosed with an XXXX which has also caused several other sometimes XXXX conditions. Since XXXX I have had eight XXXX. 

It is very much a hardship on me to maintain daily living expenses, care for a family which consist of my husband and our XXXX year old son, pay medical bills and pay over XXXX XXXX XXXX ( {$400.00} ) a month in student loans. 

Navient has called my father, ( co-signer for private loan ) and I several times with what seems like no understanding, demanding a payment be made. In XXXX XXXX my Grandmother was in the XXXX in XXXX, Georgia. My father received a call from a Navient representative, he explained the situation with my Grandmother and they were persistent in wanting more details about which form of payment he would be using and when a payment could be made. My Father hung up the phone due to the attitude and demanding payment information. My Grandmother passed away the next day due to a XXXX. 

Please consider this very challenging hardship. 

Thank-you for your time and consideration. Should you have any further questions or need any additional information, please do not hesitate to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I DEMAND THAT THIS NOTE BE SHOWN TO AN FCRA LAWYER! 
Dear FCRA XXXX - Please explain to the employees of your company - who are handling my files - please explain to them that they are legally obligated to REMOVE false & un-verified derogatory items within in 30 days of dispute! 

Please also explain to them - that - in my case - that 30 days time frame EXPIRED A LONG TIME AGO! Because of that - they must fully remove all derogatory items from my files THE SAME DAY THAT YOUR COMPANY RECEIVES THIS LETTER! 

Please also explain to those employees that removal of false & un-verified derogatories of is matter of a lot of different kinds of laws! FCRA! CPA! FACTA! 

When XXXX passes laws about a lot of issues - XXXX - XXXX - XXXX - to quickly state XXXX examples - often these issues are connected to Credit Reports & Background Checks. 

A very large number of laws protect people from false & un-verified derogatories. A very large number of laws require ethical conduct by Companies with these kinds of files. These matters are about compliance with XXXX - XXXX  - XXXX & a very large number of other laws! 

Please help the employees of your company understand these concepts!

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 2023-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Credits of accounting not reflecting accurate balance of credits and debits

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 2022-01-22
Company: International Computer Systems, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
After sending the FTC report of identity theft in XXXX, XXXX, XX/XX/2021 FIRST COLLECTION SERVICES sent me a letter on XXXX XX/XX/2021 saying that they are refusing to remove the collection for XXXX XXXX Gas and Electric. They then threatened to extort me. This is a racketeering activity and conspiracy to commit racketeering activity carries a sentence of imprisonment of 20 to life. Telling me that I must pay this amount or we will violate your right to privacy by reporting late payments to the credit reporting agencies without your written permission to ruin your financial reputation which equals extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Comerica
State: TX
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
first off let me inform you that throughout this whole process ive been in the hospital having XXXX XXXX XXXX and im unable to get out of bed and have no access to the info required. i gave my debit card to my brother inlaw and asked him to go get me something to eat he came back and told me that the card had insufficiant funds so i called the automated number to check the balance and all it let me inter is the last 4 on my card and it sent me straight to customer service when they asked me to verify the card info they told me i had the wrong phone number the wrong address the wrong pin number and the wrong email address and in order to fix it i would have to go in person with my id to the social security office after a few days i was able to talk my sister into going there in my behalf and she got them to talk to me on the phone and they changed the info back on my card and in the mean time i had ia direct deposit added to my account and i had already called the bank to dispute the original transaction of {$250.00} on my card the very next morning i tried to use the card to pay my copay at the hospital and the card was declined i called the bank and my credentials had been changed agin and {$1600.00} had been removed from my account so i had to dispute all charges made and none were made by me the bank says they sent me a letter requesting more info that i never recieved some of the money was put back into my account i had allready got a new card today i got a letter saying that a claim for {$650.00} was denied and they had closed the dispute i have to have that money and they dont want to give it to me i still have 6 unpaid disputes that have not been paid back to me only 3 disputes were paid out of 9

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-26
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
XXXX Notorious bad practices manipulating information trying to sell me there XXXX credit monitoring XXXX providing/stating to correct such like the tell me I have late payments et ALL A XXXX XXXX  advertising no credit check preaproval credit cards etc then the pull a credit check anyway then deny stating bad previous bank relations as there trying to monopolise the banking system

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 2019-12-31
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
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:
I was contacted on in XXXX of this year 2019 by XXXX XXXX XXXX XXXX XXXX saying I owe them {$310.00} and asked me how did I want to pay it. 

I asked them why I owed them {$310.00}. They said because I took out a payday loan from California Check Cashing 5 years ago and never paid back the loan. 

I asked them if they were California Check Cashing? They said no, but now I owe them the money? I did not remember taking out a payday loan and requested a Validation of Debt letter and gave them my mailing address. 

I received a letter that was in the form of a bill with a 50 % OFF offer of {$150.00} and a web site address with payment information. I did not recieve a Validation of Debt Letter as requested. 

Same Company sent me a letter stating I owe them {$3100.00}. I called them and asked them to send a Validation of Debt letter, and to this day, nothing has been delivered validating this debt. I am afraid they will also report this debt as a collection on my credit reports as well. They said I owe Cash Central and XXXX  XXXX XXXX, and they asked me to give them my credit card. I got upset and the guy told me not to be a XXXX about it and just pay what I owe. I hung up on them. They were very mean and rude. They told me to pay them and they would send the money to XXXX XXXX XXXX XXXX XXXX Then all of a sudden I get a collection reported on my credit report by California Check Cashing so it appears, but the address is the same address listed on the XXXX XXXX XXXX XXXX XXXX letter I received and same as on their website. 
XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. 

The stated on the phone that the debt was 5 years old, but on the credit report it states the account was opened in XXXX of 2019, this is fraudulent and unfair debt collection practices. 

False Reporting on my XXXX  Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Summitted payoff to a financial institution. The action was accepted than reversed. Asked the reasoning for their decision. Was told that they did not accept ACH payments, yet I have been making ACH payments to them the last three payments. Legal advice is going to be thought out because how can a financial institution say that it is ok to accept payments from one financial institution but not another. A financial institution can not be discriminatory in which financial institution it can or can not accept payments from.

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 2023-08-31
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account was compromised by someone who I thought was close to me, my card was stolen and fraudulent checks were deposited. Funds were taken out. At first, when I first spoke to security, they closed my 3 open accounts and opened me new ones. Majority of my funds were placed back into my accounts ( XXXX ) I was missing XXXX. I went into branch to pick up my debit card, and asked about the left over funds I was missing : they then resubmitted a fraud claim that was denied and now I have been deemed responsible and they took back the funds they originally gave back 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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : 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 non-monetary relief
Consumer complaint received 2023-06-30
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: Reporting company used your report improperly

Complaint:
I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter.

The attached items are in violation of the Metro 2 Credit Reporting Guidelines and should be deleted from my credit file.

*Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
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:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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 XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2023-12-06
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Georgia Homeowner Assistance Fund/ ( GA HAF ) reached out to Mr. Cooper on XXXX XX/XX/2023 for mortgage validation. GA HAF has not received a response to their inquiry from Mr. Cooper for ( loan number XXXX ). Validation of our mortgage with the GA HAF would bring our mortgage account to current and non delinquent if approved.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened an American Express XXXX XXXX card on XX/XX/XXXX to earn a welcome bonus of XXXX membership points after spending {$15000.00} on my card within the first 3 months. I got the card and met the minimum spending requirement. I checked with the American Express customer service team on XX/XX/XXXX to confirm that my spending requirements were completed to earn the welcome bonus. I was given a response that Treasury payment to IRS did not count towards earning welcome bonus. I chatted with American Express customer service on XX/XX/XXXX again and I requested him to open a case to his supervisor investigate my issue. The representative denied my request and said that IRS payment was not eligible for welcome bonus points, however they were eligible to earn regular membership points. IRS tax payment is XXXX of the ways, I had planned to meet minimum spending requirement on my Amex card. I do not see any specific disclosure from American express that IRS tax payment will not earn welcome bonus. This card has a hefty fee of {$690.00} and I request Amex to research the issue and help me out. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: CITIBANK, N.A.
State: NV
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/2018, I opened this account using a promotional bonus offer of {$400.00} with specific requirements. I have met all the requirements and was not awarded the {$400.00} bonus as of today. I have contacted the bank multiple times without resulting in any resolution.

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