BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Take a look at the documents provided. I am urging the bureau to start an investigation into these accounts, given that I have a flawless record of on-time payments, yet they are misrepresenting me as late.

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 2023-09-28
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The company closed my account told me that I would receive my check from the account after 60 days they never mailed the check they gave me the run around for months they also didnt tell me that I couldve closed my account until it was to late all my money is gone and they wont give me no information. They investigated me 3 times or they used the word verified my checks XXXX and on the last time they closed it this put my company behind and Ive basically lost a contract due to the profiling.

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 2023-03-05
Company: UMPQUA HOLDINGS CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX I tried sending money via XXXX on Umpqua Bank website, I signed up for XXXX, the amount I needed to send was over limit according to Umpqua, which was {$500.00}. I decreased amount to {$400.00} and got the same reason. I then decreased amount to {$300.00} and the message I got was XXXX can not be completed. I completely logged out and went back into the Umpqua Bank website and tried doing it a total of 3 more times to no avail receiving the same message every time transaction could not be completed. On the evening of XXXX my husband and I went to get groceries and our debit cards were denied, having to leave our groceries behind. We then went ahead to Umpqua Bank ATM and got a receipt stating Card was reported Lost on my card and my husbands card. I went home and tried logging into my account and my account information is GONE! I called on XXXX and spoke with someone in the Fraud Department who proceeded to tell me that I have a restriction on my account because of the attempted XXXX transaction I tried on XXXX and there was nothing they could do for me until Monday when the investigative team is back. NO call was ever received from Umpqua Bank questioning or asking me about anything suspicious they just took my money and access

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 2023-09-19
Company: Experian Information Solutions Inc.
State: TX
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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To whom it my concern. I tired correcting this more then a few times with equifax. They have a old address i would like to get removed. Its XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.And also my full name is not XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX Can you please correct this as well ... Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: VA
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2021-07-20
Company: The Law Offices of Kenosian & Miele, LLP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My debt dates back to 2002. I was given the credit card through XXXX XXXX, then they decided to close my account with no explanation. I was not working and my boyfriend has gotten deported, my baby was hospitalized, and they did not want to work payments with me. I now have XXXX children, a single mother, on public assistance. The last time I worked they tried to do wage garnishment, they seized money from my XXXX XXXX account, Im afraid to leave money in the bank. This debt is very old, and is stressing me out. The balance has more than doubled and is outrages and unfair, and they have threstened to seize property i dont have because I am on XXXX XXXX XXXX, and they served me court papers throughout the past years harassing me. i cant even work because they want to garnish my wages and i have children to support.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
REMOVE THIS COLLECTION IMMEDIATELY,15 USC 1681A 2B, ANY OTHER PURPOSE AUTHORIZED UNDER SECTION 1681B OF THIS TITLE. 2 EXCLUSION- EXCEPT AS PROVIDED IN PARAGRAPHS ( 3 ) THE TERM CONSUMER REPORTS DOES NOT INCLUDE ( a ) SUBJECT TO SECTION 1681-3 OF THIS TITLE, ANY ( I ) REPORT CONTAINING INFORMATION AS TO TRANSACTIONS OR EXPERIENCES BETWEEN CONSUMER AND THE PERSON MAKING THE REPORT ; COMMUNICATIONS OF THAT INFORMATION AMONG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE. THE INFORMATION MAY BE COMMUNICATED AMONG SUCH PERSONS AND THE CONSUMER IS GIVEN THE OPPORTUNITY, BEFORE THE TIME THAT THE INFORMATION IS INITIALLY COMMUNICATED, TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMONG SUCH PERSONS ; ( B ) ANY AUTHORIZATION OR APPROVAL OF A SPECIFIC EXTENSION OF CREDIT DIRECTLY OR INDIRECTLY TO A CONSUMER CONVEYS HIS IR HER DECISION SUCH NITICE MAY BE GIVEN TO A CARDHOLDER, Y PRINTING THE NOTICE OB ANY CREDIT CARD, OR ON EACH PERIODIC STATEMENT OF ACCOUNT, ISSUED TO THE CARDHOLDER, OR BY ANY OTHER MEANS REASONABLY ASSURING THE RECEIPT THEREFORE BY THE CARDHOLDER. ( I ) THE TERM CREDIT CARD MEANS ANY CARD 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 2019-10-01
Company: EQUIFAX, 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:
I notified Equifax for the past year that a company by the XXXX for the amount of {$1000.00} as a " revolving credit card '' has been reporting a credit card that I have never had. The account has been disputed for several months, I have submitted a police report and a FTC affadavit. The account was removed and then was placed back on a " revolving FHA Mortgage ''. I've researched this company they don't even handling mortgages at all! So now I don't have a credit card that doesn't belong to me but a mortgage that does not exist. Even the Equifax rep stated that they don't know why it was a able to change from a " credit card '' to a " mortgage '' yet still when the investigation was completed in less than 30days with  no documentation they stated that the account was verified and accurate. Equifax rep stated they do not get written documentation but simply an email. Meaning anybody can report anything and that their investigations are basically non-existent. My information was breeched during their XX/XX/XXXX breach. I also notified Equifax that I was having issues obtaining my credit file and many companies were pulling a different credit profile with similar identifying characters but with a different social security number. I was advised by an Equifax representative that the file containing a different social security number had been deleted but when I recently applied for a loan the file came up on the banks server and we had to try several different ways to pull my correct credit profile from Equifax. This company has not been helpful at all. I don't understand how they can continue to report accounts that don't belong to me and allow the credit to change the type of account as they please. The account was disputed 57 times between XX/XX/XXXX and XX/XX/XXXX as a " revolving credit card ''. After that it was removed and placed back on XX/XX/XXXX as a " revolving mortgage ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Manhattan Beach Venture, LLC
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with fraud alerts or security freezes

Complaint:
A company by the name of XXXX XXXX XXXX called me as if they were working with the Department Of Education in helping me to get my student loans forgiven. The company gets information from you and after speaking with them, I looked the company up on XXXX to find out that the company is a scam. When you call the company back, the individuals are rude and hangs up on you.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, and deleteion of the following erroneous accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-09-04
Company: Experian Information Solutions 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 name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2019-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX, I received another declined from Capital One XXXX because my payments is too low. For the past 5 months, I have paid over the minimum amount on the credit card but not in one monthly payment. I have my Online Banking Bill Pay to automatically send XXXX payment each pay period which may be the reason they're saying too low payments. On XX/XX/XXXX, I contacted Capital One customer service to explain they are basing their decision on a single monthly payment when there is several in the same billing period. In addition, I asked why would they increase my XXXX credit limit when the last 4 months before the increase was minimum. They could not answer that question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
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: Their investigation did not fix an error on your report

Complaint:
I have XXXX XXXX on my credit report, but I have no no knowledge of this account. Please validate in detail and remove from my credit report.

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 2023-11-08
Company: BETHPAGE FEDERAL CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I OPENED UP AN ACCOUNT AT BETHPAGE FEDERAL CREDIT UNION, MANY YEARS AGO, JUST TO HAVE A LOCAL ACCOUNT, WHICH I WAS USING TO CASH CHECKS, ETC. MY MAIN ACCOUNT IS XXXX XXXX XXXX XXXX, WHICH I OPENED IN 1980. SINCE THEY DON'T HAVE BANKS IN NY, I USED BETHPAGE AS A SHARED BANK, WHICH LET 'S CASH CHECKS AND MAKE DEPOSITS AND WITHDRAWLS. I WAS ABLE TO DO THIS WITHOUT AN ACCOUNT AT BETHPAGE. BUT I OPENED ONE UP ANYWAY. NOW, ALWAYS USING MY XXXX XXXX ACCOUNT FOR MY BANKING NEEDS, MY BETHPAGE ACCOUNTS WENT DORMANT. SO TODAY I GET MY STATEMENT FROM BETHPAGE AND XXXX AND BEHOLD, IT WAS CLOSED OUT, WITHOUT MY KNOWLEDGE OR ANY TYPE OF NOTIFICATION FROM BETHPAGE, LIKE AN E-MAIL, USPS LETTER OR PHONE CALL. ZERO-ZILCH-NADA! THE TOTAL AMOUNT WAS SMALL, {$10.00} IN BOTH ACCOUNTS, SINCE XXXX NEEDED A MINIMUM BALANCE TO OPEN AN ACCOUNT THERE. SO I CALLED THE PHONE NUMBER XXXX AND GOT A CLUELESS CUSTOMER SERVICE REP, PUTTING ME ON HOLD 3 TIMES AND STILL REALLY COULDN'T HELP ME, SAYING I MUST HAVE GOT A LETTER 3 YEARS AGO, SINCE THAT IS HOW LONG THAT IT WAS DORMANT. I TOLD HER I DOUBT THAT HAPPENED AND I WOULD HAVE REMEMBERED A SEPARATE LETTER TELLING ME OF MY DILEMMA. SO I ASKED FOR A MANAGER. XXXX GOT ON THE PHONE. I TOLD HIM WHAT HAPPENED AND HE WAS ALL APOLOGIES, BUT HE COULD NOTHING TO HELP ME SINCE MY ACCOUNT WAS CLOSED? I ASKED IF HE COULD REVERSE THE {$5.00} SERVICE CHARGE AND HE SAID NO, GET READY. BETHPAGE SPENT {$5.00} OF MY MONEY TO SEND {$4.00} FROM A DORMANT ACCOUNT? I ASKED XXXX DOES THAT MAKE ANY SENSE? RATHER THAN JUST SEND ME A CHECK FOR {$10.00}. HE SAID THAT IS THE PROCEDURE THEY USE. I AM IN THE BANK MAYBE ONCE A MONTH AND ALWAYS HAVE TO SHOW MY LICENSE, WHEN I CONDUCT ANY BUSINESS THERE WITH MY XXXX XXXX  ACCOUNT. NOW, NO ONE COULD HAVE TOLD ME WHAT WAS GOING ON WHEN I WAS AT THE BANK? HOW PATHETIC. HE TOLD ME TO GO TO XXXX TO CLAIM MY FUNDS. THERE WAS NO LISTING OF MY MONEY AFTER I FILLED OUT THE FORM? I AM A SENIOR ON A FIXED INCOME

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 2019-10-01
Company: Nelnet, Inc.
State: CT
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:
I was attending the school for almost a year and never finished my education was making payments upon the loan as agreed but the school had been closed down due to fraudulent charges against students and i felt as though I shouldn't have to pay anymore money into a school I did not finish and closed down due to fraud I've tried to settle these accounts but the settlements that they want I think is unreasonable and I refuse to pay them. As this has gone on for almost 10 years, it has taken a toll on my credit score and don't damage that I need reversed. I believe that the amounts should be forgiven and i shouldn't have to pay another cent to these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
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: Public record information inaccurate

Complaint:
ALL 3 " CRA '' CONTINUE TO REPORT SERIOUS ERROR OF FRAUD ACCOUNT/ PUBLIC RECORDS CH XXXX BANKRUPTCY ... NOT MY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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

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 2022-02-28
Company: Flagstar Bank, N.A.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We were trying to refinance with Flagstar bank for a 30 year mortgage who we currently had our mortgage with already on XX/XX/XXXX. We were about XXXX weeks into the process and we felt things were going smoothly as well did our Direct lending officer XXXX XXXX. He scheduled a call from their appraisal company and we paid on XXXX XXXX XXXX for the sum of {$530.00}. The appraisal company came out on XX/XX/XXXX at approximately XXXX. 
The appraisal was completed around XXXX, it is here where things go bad. 
I received a call from XXXX that same afternoon around XXXX stating that the loan did not make it through their underwriting team for some reason. I told XXXX that we just had the appraisal done that same day and if we were not getting the refi loan we would appreciate a {$530.00} refund. He stated this is not his problem and they are a 3rd party contractor and we would not be getting our funds back we are responsible for the payment. I asked him why would he order the appraisal if the loan had not gone through the underwriters and his words, I am quoting him ( based on what you told me about your income I thought you would be all set ). He did not want to speak to me any further so I took it up with XXXX XXXX which was the other person working on our loan. I stated being retired we can not afford to throw away {$530.00} and she agreed, this was over the phone. On XX/XX/XXXX see email : she sent me an email stating our refund has been processed and we would receive it within 14 days. I waited the 14 days and no refund so I sent her another email see attached : she stated they were having technical issues and give it till the end of the following week of XX/XX/XXXX. We did and still no refund, I called XXXX the week of XX/XX/XXXX and spoke to her and she said please give it XXXX to 45 days more. We waited once again with no refund, so I called her on XX/XX/XXXX and she said she was forwarding this information ( she took my phone # ) to their finance department and they will call a.s.a.p. I still have not heard anything back from anyone at Flagstar about our refund that was processed on XX/XX/XXXX. All we want is our refund for the appraisal that should not have taken place unless we were approved from the underwriters first. Anything anyone can do to get our refund would be greatly appreciated. Not that it now matters but we did go with another bank and tried using the appraisal from Flagstar ( to eliminate any refund ) but the current bank stated that the appraisal company was not in their circle, we paid for a second appraisal. We have already refinanced with a another bank and closed in XXXX. Sincerely, XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT BY A GUY I WAS DATING. I SHOULD'VE KNOWN HE WAS NO GOOD WHEN HE SO EASY TO STOP TALKING TO ME AFTER I LET HIM STAY WITH ME FOR A MONTH. I HARDLY CHECK MY CREDIT BUT I TOOK A LOOK AT MY CREDIT REPORT AND NOTICED THERE IS SOME FRAUDULENT INFORMATION ON MY FILE THAT NEEDS TO BE REMOVED/BLOCKED WITHIN THE NEXT 4 DAYS. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXXXXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX  XXXX CA XXXX FRAUDULENT NAMES : 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 2020-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Transnion, XXXX and XXXX have multiple account on my credit report that I have never opened or authorized. I have submitted complaints with the XXXX and was advised to start here with cfpb

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