BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-19
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: Credit inquiries on your report that you don't recognize

Complaint:
I put an fraud alert on all  XXXX  credit reporting agencies because I did n't authorize any of the following inquiries. I sent letters to the credit agencies and also the company in which inquiries where pulled from and they still remain on my credit report.             XXXX   :  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX    XXXX    XXXX  BANK  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  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  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 filed a dispute regarding incorrect items on my report well over 30 days ago and I have not received any investigation reports/results. The dates for XXXX XXXX do not align and I have more inquiries than possible.

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 2018-03-14
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I filed a dispute on an account that I didn't recognize on my Experian report on XX/XX/2018 from XXXX, XXXX. Upon receiving the results of my dispute from Experian, I was informed that the account had been deleted. Less than a week later I received a call from the debt collector XXXX XXXX XXXX advising me that they are still reporting the account and I need to contact the credit bureau about it again. I called Experian to resolve this matter and was told that I would have to report it as fraud to get it off because they must have the wrong person to keep reporting the account on my profile. They refused any further assistance.

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 2017-06-19
Company: ID Analytics, Inc.
State: NV
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: Problem getting your free annual credit report

Complaint:
Hello, There is a new credit reporting company now called Sage Stream, LLC based in XXXX XXXX, CA. The company offers no online dispute and wants information that they should not need to get a credit report. You have to mail them the following. Please provide the following information to request your consumer report : 1. A written request with signature that includes the following information : First name, middle name, last name, suffix ( if applicable ) Current address including ZIP code Current phone number with area code Social Security number Date of birth ( month, date and year ) 2. Copies of at least two of the verification documents listed below that substantiate the personal information that you provide as listed in Step 1 : Current state-issued drivers license or other current Government issued identification ( such as a passport ) Recent cable, utility or phone statement, produced 60 days ago or less Social Security card Birth certificate U.S. passport picture page Alien registration card Voided personal check with your current preprinted address None of the other credit reporting agencies need information to this extreme. I have never heard of these people so i am not sending everything from my whole life to them to get a credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureau is reporting an address and phone number on my credit report that are not mine. I have never lived at " XXXX XXXX XXXX XXXX, XXXX, VA XXXX ''. Also, my phone number has never been XXXX. This information is inaccurate and needs to be removed from my credit report. I do not want someone who checks my credit in the future to associate me with this address or phone number that I have never used before.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2019 my husband was sent an invoice for {$200.00} to pay through the " XXXX  '' app through our Chase bank account. This invoice was sent to purchase basketball tickets. My husband was under the impression that by using our Chase banking account we were protected against fraud. Chase promotes the XXXX app on their website as a means to send and receive funds as a chase account holder. We thought we were safe and protected as Chase states they do for their customers. However, once we paid the {$200.00} invoice the invoice sender never sent the basketball tickets. Figuring out we have been scammed we immediately called Chase to stop the payment and get our funds back. We were told by Chase that they do not offer any fraud protection for XXXX app and that we needed to call XXXX. So we called XXXX and XXXX explained to us that since the transaction was done through our Chase bank they can not help us, both Chase and XXXX informed us that we should file a police report about the fraud but neither companies were able to provide us any information about the person who received the money. Chase and XXXX went back and forth blaming each other for the fraud ( on a 3 way phone conversation with myself ) neither company is willing to help us get our money back. As a preferred member of Chase I was expected to be protected by my banking institution. Chase should not promote an app to its customer like XXXX and not protect its customers from fraud. I have ask both Chase and XXXX to cancel the transaction and return my {$200.00} but they have declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Block, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I have XXXX ATM withdrawal from my card that I subsequently reported stolen to cash app support..for XXXX XXXX and XXXX respectively ... I am being denied because they say it is routine of some sort I did not make this transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Loan extension requested from ten year term -- -- to more additional years on time payments-NOT AN OPTION! INSTRUCTIONS- The company made it an application loan modification ... XX/XX/XXXX- Sent many faxes with delays-185 pages-SHOWING ASSETS AT XXXX CASH and two homes no consumer debt late payments -or concerns- Many delays- Called with Delay rejected underlined items vs. circled line items then went to bank circled items and rejected cause header information was not on the page only showed the account number which matched the prior submission. Required me to send three times delaying pkg from XX/XX/XXXX to XX/XX/XXXXn still 60 days from payment being late- These policies delayed kit from going to loan underwriting for 5 months. 150 days! Told thirty-days evaluation was required -- - XX/XX/XXXX They needed more time no commitment to when my decision would be made. XX/XX/XXXX They requested XXXX payment and two more trial payments of XXXX without any commitment I submitted this early-There is no reasonable explanation for late payments. " Loan was current and paid XX/XX/XXXX bill payment from XXXX XXXX but was rejected for interest only -- and returned not the full balloon payment -- for 121st payment. On XX/XX/XXXX Received loan modification for nine years only payment XXXX was XXXX prior- XXXX first mortgage exists with escrow account total is not viable. So no workable deal was made being disabled -- -a 20- year product would be viable -standard in loan industry today they made it nine. Want to refinance to reasonable payment-now lenders will not- Can not secure a loan with late notes on mortgage -- - forced to five percent interest and payment is not AFFORDABLEn with nine years as term for interest and balance after XXXX reductions in the process. Most probably I will be forced to sell my home. This is not fair or reasonable -policies favored investors and have not been true and forthright-correction needed.

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 2022-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hi so I have a card with Bank of America and on the XXXX of XX/XX/XXXX, I saw that my debit card was used at a website called XXXX and it was used three times. I checked and find out that one was used on the XXXX XXXX in the amount of {$450.00} and on the XXXX of XXXX it was used two times in the amount of {$1200.00} and {$1300.00} which I didnt authorize it. Even though I know the website my card was used at I didnt authorize that payment or buy anything from them and I dont know how someone can use my information to purchase from my account with them. I then found out that the person used my card to purchase these bitcoin and transferred it to his or her wallet account so I knew right away that someone had scammed or Fraud me so I contacted the website which is XXXX  and let them know and they told me they will get back to me And I havent heard from them. So I then decided to file a claim from Bank of America on the XXXX of XXXX and I just heard from them today saying that my claim has been resolved and can not be paid, and on what grounds, I have no idea. I have lost {$3000.00} and I have been a customer with Bank of America since XXXX and they are not willing to help me with this. Please help me get my money please. This money is for my school please.

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 2023-02-01
Company: EQUIFAX, INC.
State: PA
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:
( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting. 
agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; accounts : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: National Account Systems of Omaha, LLC
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company contacted me on numerous occasions to try to collect on an old debt. XXXX became very angry when I asked how old my debt was and also when I told her I refused to pay the fees of them trying to over charge my debt that was old. She was very aggressively told me we would go to court and I'll be sued. 

Back in XX/XX/2022 XXXX from the same company continuously harassed me on collecting. He made very rude judgements about me and commented on my life style and not being able to pay my bills. Was harassing me verbally and being verbally abusive. Threated I would get sued and learn my lesson when my wages get garnished. 

Not only am I having to deal with the rude debt collectors they are trying to collect on the debt of my old employer who I'm also getting harassed by because I left them at 5 years.

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 2022-09-08
Company: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper Mortgage Company failed to pay insurance premiums to XXXX homeowners insurance from my escrow account. My home has been uninsured since XX/XX/XXXX because of their refusal to pay the premiums which caused XXXX to cancel my policy. XXXX will not issue a quote until Mr. Cooper pays the existing balance, which they state will take up to 3 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: Experian Information Solutions Inc.
State: AZ
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:
Loan extension requested from ten year term -- -- to more additional years on time payments-NOT AN OPTION! INSTRUCTIONS- The company made it an application loan modification ... XXXX XXXX- Sent many faxes with delays-185 pages-SHOWING ASSETS AT XXXX CASH and two homes no consumer debt late payments -or concerns- Many delays- Called with Delay rejected underlined items vs. circled line items then went to bank circled items and rejected cause header information was not on the page only showed the account number which matched the prior submission. Required me to send three times delaying pkg from XXXX XXXX to XXXX XXXX XXXXn still 60 days from payment being late- These policies delayed kit from going to loan underwriting for 5 months. 150 days! Told thirty-days evaluation was required -- - XXXX XXXX XXXX They needed more time no commitment to when my decision would be made. XXXX XXXX XXXX They requested XXXX payment and two more trial payments of XXXX without any commitment I submitted this early-There is no reasonable explanation for late payments. " Loan was current and paid XXXX XXXX bill payment from XXXX XXXX but was rejected for interest only -- and returned not the full balloon payment -- for 121st payment. On XXXX XXXX XXXX Received loan modification for nine years only payment XXXX was XXXX prior- XXXX first mortgage exists with escrow account total is not viable. So no workable deal was made being XXXX -- -a 20- year product would be viable -standard in loan industry today they made it nine. Want to refinance to reasonable payment-now lenders will not- Can not secure a loan with late notes on mortgage -- - forced to five percent interest and payment is not AFFORDABLEn with nine years as term for interest and balance after XXXX reductions in the process. Most probably I will be forced to sell my home. This is not fair or reasonable -policies favored investors and have not been true and forthright-correction needed.

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 2022-03-13
Company: Maximus Education, LLC dba Aidvantage
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX I graduated with my electronic XXXX XXXX degree. I was promised help in getting a job afterwards. XXXX XXXX college helped with my resume but that was it. I still don't have a job in my field and it's XXXX. They broke their promise on helping to put me in my field of study. It was also not fully explained how I would owe XXXX dollars for my student loans.. The company I was with was Navient. I am now XXXX  plus in student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Experian Information Solutions Inc.
State: TN
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:
There are Misleading and Inaccurate information that are reporting on 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 2018-06-01
Company: CITIBANK, N.A.
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
I WAS CHARGED FOR SEVERAL THINGS ON MY ACCOUNT THAT I DID NOT AUTHORIZE AND I HAVE NEVER DONE BUSINESS WITH THESE SAID COMPANIES. I CONTACTED XXXX XXXX WHEN I SEEN THESE TRANSACTIONS ON MY STATEMENTS AND THEY DID NOTHING FOR ME. I REPORTED FRAUD TO THEM BUT I NEVER RECIEVED THE CREDIT ON THEM. I WILL LIST ALL CHARGES ; XX/XX/XXXX XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX  XXXX XXXX XXXX-XXXX ALL ON XXXX XXXX OLD NUMBER XXXX NEW XXXX XXXX NUMBER-XXXX PLEASE HELP ME GET MY MONEY BACK. IM A SENIOR CITIZEN AND THIS IS SENIOR CITIZEN ABUSE.

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 2022-02-18
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have gotten at least 4 notices of a decrease in my credit limit due to my credit score, however, I have done nothing with the card. I have reached out via phone multiple times to try and correct this account, but I have gotten nowhere. I was originally delinquent due to job loss from COVID-19, but not a single person that I have spoken to over the past 2 years have offered any assistance, or provided with me with the opportunity to sign up for the credit protection even when I opened the account, which is misleading and setting me up for absolute failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was offered a bonus if I opened an account with Citibank and sent them a substantial amount of funds. After meeting all of Citibank 's requirements they have not yet paid me the bonus which is past due.

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 2021-09-25
Company: Smith, Rouchon & Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2021, i sent Smith , Rouchon & Associates, Inc a letter about a alleged debt of XXXX that i do not owe. i sent the letter usps certified w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debt of {$460.00}. and i haven't heard anything from them thus far. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, Smith , Rouchon & Associates , Inc has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.As you can see the date was XXXX XXXX and today is XXXX XXXXattached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.

Company response to consumer: Closed with explanation