BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I make a cash deposit of {$2500.00}. The machine took my money without crediting my account. I made a complaint the same day and a week later they closed the claimed and said I can not be paid. I would like to request surveillance footage of the deposit as I made the deposit and should be paid {$2500.00}.

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 monetary relief
Consumer complaint received 2019-09-08
Company: SYNCHRONY FINANCIAL
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The following inquiries from my credit report are one 's I don't recognize as they were not done by me. Please remove them. 

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 non-monetary relief
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
Previously, I made an investigation about this account with incorrect information and after checking your responses, I recognized that the same account is still incorrect, with a confirmed status. Please correct the account listed below : XXXX XXXXXXXX Balance Owed : {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to several charge off accounts on my credit report, including the Child Support Enforcement XXXX account, XXXX XXXX XXXX XXXXXXXX account, XXXX XXXX XXXX XXXXXXXX account, XXXX XXXX XXXXXXXX account, and XXXX XXXXXXXX account. 

As you can imagine, seeing these derogatory marks on my credit report has been emotionally distressing. I have been struggling financially and have been working hard to improve my credit score, but these charge offs are hindering my progress. 

I would like to dispute these accounts and request that they be removed from my credit report. I understand that I have a legal obligation to pay my debts, but circumstances beyond my control have made it difficult for me to make timely payments. 

I kindly request that you provide me with any documentation or information regarding these accounts, including the original creditor and the date of the last payment made. Additionally, I ask that you investigate these accounts and remove any inaccurate or outdated information from my credit report. 

Thank you for your time and attention to this matter. I hope that we can work together to resolve these issues and improve my credit standing. 

Sincerely, 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 2022-09-10
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX, account # XXXX, amount of {$8200.00} reported on XX/XX/2022 XXXX XXXX XXXX, account # XXXX, amount of {$16000.00} reported on XX/XX/2022 XXXX XXXX amount of {$690.00} reported on XX/XX/2022 XXXX XXXX XXXX amount of {$3600.00} reported on XX/XX/2022 in accordance with the fair credit reporting act XXXX  account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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:
XXXX XXXX XXXX XXXX of birth XX/XX/XXXX Last XXXX : XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  and acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XX/XX/XXXX Re : Disputing error [ XXXX ] on credit report To whom it may concern I am writing to request a correction of the following information that appears on my [ XXXX, Experian, XXXX ] consumer report : I find these accounts listed to be in violation of the FAIR Credit REPORTING ACT and in violation of my privacy and consumer rights and confidentiality under 15 USC 1861.

Dispute 1 Accounts : XXXX XXXX XXXX XXXX XXXX XXXX and acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX My account were compromised from XXXX til about XXXX XXXX Explanation of item being disputed : from XX/XX/XXXX until about XXXX XXXX XXXX, I was a victim of identity theft while in the XXXX and XXXX for long term care. 
o The report shows I currently owe money to your company that I have already repaid. 
o The date of first delinquency on my report is not accurate. I have not have access to the accounts since XX/XX/XXXX o Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 
I have attached a copy of my report with the accounts in question circled. ] Thank you for your assistance. 

Sincerely,

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 2023-02-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2021-02-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Click n' Close, Inc.
State: AR
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company has failed to pay my home owners insurance from my escrow account. It was due XX/XX/XXXX. I have made 3 attempts to get this resolved with no action from the mortgage company. The amount owed is {$3100.00}. They also overcharged me on escrow fees in the amount of approx {$18000.00} and have yet to refund them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX, account # XXXX, amount of {$8200.00} reported on XX/XX/2022 XXXX XXXX XXXX, account # XXXX, amount of {$16000.00} reported on XX/XX/2022 XXXX XXXX  amount of {$690.00} reported on XX/XX/2022 XXXX XXXX  XXXX XXXX of {$3600.00} reported on XX/XX/2022 in accordance with the fair credit reporting act convergent account # 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-10
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I XXXX XXXX is a natural person who granted to Open a Deposit Account with the XXXX XXXX  on Behalf of Chime Financial. I was incompetent when entering this contract and come to find out about a Security interest that was granted by not knowing at the time created another account with interest. I granted them credits and been trying to transfers the conveyance of my principal and the company Chime Financial is not disclosing to me the rights of my security interest. I have proof in the disclosures that was inside of the Chime Financial app. I evoke my rights as the natural person who granted the credit of interest thats obligated to me. On XXXX XXXX XXXX disputes Unauthorized transactions to XXXX XXXX XXXX  who is a member of the FDIC on behalf Chime Financial and was denied twice of my Insurance rights. I sent in proof and time was waisted due to the company not providing remedies nor updates. 

This company has violated and are breaking the law 16 CFR Subsection 444.3

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I booked a nonrefundable flight through XXXX for {$470.00} but the flight was cancelled the same day by either the airline or XXXX without my knowledge. I filed a chargeback under the reason of cancelled goods/services. I provided all the necessary information, however, on XX/XX/XXXX I was informed that the claim had not been closed in my favor. The only reason I was given was that I did not provide necessary information when I had. My flight was cancelled without my fault or knowledge and I have lost the money. Case ID : 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 2023-02-14
Company: Resurgent Capital Services L.P.
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 have called and sent disputes for something that has adversely affected my credit. A XXXX XXXX  ( 2nd time they gave a credit card in my name out without my actual authorization, in XXXX credit card. I called XXXX and they said it was XXXX Bank again. I did not ever authorize this. I only have 1 credit card and have never been late on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: LDF Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Lendumo, an online payday loan lending service, approved a small {$1200.00} loan for a family emergency I experienced on XXXX/XXXX/2022. I was told that they could not determine the interest rate until I selected the " sign and continue agreement '' in the app. Once I selected the option they went ahead and approved the {$1200.00}. Fearing that they had my bank account information, pressured me to accept the loan, and fear they would debit my account regardless, they did deposit the money in my account. The problem was the interest rate was like 794 %, now I owe them over {$7000.00}. interest on a measly XXXX with a biweekly payment of {$390.00}. The payments are also being deducted on an alternate week other than agreed upon and have caused several overdrafts to my account. I also do not believe the interest rate that I am being charged is legal in my state. I've paid {$2300.00} so far and seek relief from this predatory loan experience. How is this legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: CMG MORTGAGE, INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home has appreciated in value, both due to improvements I've made and the market. I want to remove PMI, and CMG Financial is ignoring my request. I believe it to be a stall tactic- it is in their benefit if the real estate market goes down, negatively effecting my XXXX ratio. 

I sent in the request XX/XX/XXXX. They asked for 30 days to review the request. I've followed up twice after the 30 days passed to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX 's customer service representative.

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 2022-09-10
Company: Experian Information Solutions 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:
There seems to be information on my consumer report that is result of identity theft. I have tried to have this persons name removed my consumer report. 

This the second request to have this name removed. 
I don't know who this person is. 
This name belongs to someone else.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: BARCLAYS BANK DELAWARE
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:
In accordance with the fair credit Reporting act Barclays Bank account # XXXX, has violated my rights. 
XXXX5 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for XXXX purpose. 
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 2019-09-08
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Sometime in the last 5 yrs I eliminated two personal credit cards and began using my business cards for everything. They had both my name and my bus. name on them. I never suspected that when using a business card there is no reporting to credit bureaus. So now 4+ yrs later because I have only used Bus. cards I have no credit history. I can prove that I pay my card off every month and have bank statements to show it is paid by me and not some guy in XXXX in a XXXX XXXX. I can't get anyone to look at my commercial credit and give me a personal card, today i get mail that says my last attempt to get a card was turned down because of no history and that there have been too many looks at my credit history. I created those looks by applying for cards in a can do attempt to get the problem fixed. This is beyond absurd and I need help. No one seems remotely interested in helping and I surely can't be the only one who has suffered this fate. I am XXXX, have paid off 3 or 4 houses over 40 yrs and have no debt I have never had a judgement about money, I should be able to get credit. 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 2019-09-08
Company: EQUIFAX, INC.
State: LA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hard inquiries that I did not make and ask to be removed I could not do it online because its asking me to. Pay and over the phone. I got hung up on and told to mail with XXXX  Equifax did not help me at all even though they had a recent security breach

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: GREAT LAKES
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
The Great Lakes Student Loan is making us repay thousands of dollars on the loan. The interest was tacked on to the back of the loan but no other option was given. We were forced to sign documents that had interest on added to the back side of loan with no mention of other repay could be under someone else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: ATG Credit, LLC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
# XXXX, showing in printout of my credit, but not on the screen. {$20.00} in XXXX or XXXX, the Dr 's office on XXXX XXXX in XXXX refused to bill correctly, bill now with ATG bill collectors. Left that office because I was totally disrespected in the office. Visited only twice after my original Dr retired next door, once to register & 1 follow-up appointment. I had XXXX XXXX & XXXX. Bill should have been paid if billed correctly. Called several times, office was totally unprofessional. Please removed this derogatory blimish. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have disputed a medical debt with debt collector LAW OFFICES MBA XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX that is on my credit report in collections reported as derogative several times. I have sent a debt validation letter 2x by certified mail on XX/XX/XXXX and XX/XX/XXXX and contacted XXXX credit bureau. I have asked the debt collector to respond to the dispute in written communication and have gotten NO REPSONSE. Debt collector has damaged my credit and continues to call me and collect with no responses to my debt validation letters. If debt is valid or belong to me I DID NOT sign a HIPPA form to given consent for my medical records to be released.

Company response to consumer: Closed with non-monetary relief