BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have noticed there are two accounts on my Transunion report that do not belong to me. I have contacted the collection company and explained to them this isnt me. I also have contacted Transunion about this and I see the two accounts by a company called XXXX XXXX XXXX are still 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 non-monetary relief
Consumer complaint received 2017-07-25
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I attempted to contact the bank as the charge they approved was not authorized and they charged me {$230.00}. I would like this resolved asap. This put a major setback in my life and I feel taken advantage of in this situation and by the bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX I returned a phone call because Id received a strange message from a number indicated as XXXX where an XXXX claiming to be from XXXX XXXX was calling to inform me that theres a docket number XXXX however not regarding where, what for, why just Id only be given two attempts to resolve so of course I wanted to know what was going on. I became sick from my nerves because of this message seeing as theyd called after hours and left this voicemail Id figured it was something I was missing I called that number back where no one not one would fully confirm to what establishment I was calling to. 
They transferred me to a male where he basically was trying to get me to agree to pay a debt thats way past Statued of limitations/time barred saying its for XXXX XXXX XXXXXXXX XXXX 
I dispute this claim seeing as hes mentioning under Florida law theres no Statued of limitations on this debt where I question him since Ive only returned to Florida after 20 years and only been back to the state not even 2 years and I havent had any affiliation with XXXX  XXXX XXXX perhaps over a decade. He was telling me they were going to garnish my wages despite the fact that I disclosed Im disabled, on disability, not working and theres definitely a Statued of limitations here and he claims the case was opened in XXXX where again Ive not had ANY active account with them for a very long time so Hes talking over me, threats, trying to scare me and tries to say I knowingly wrote a bad check and I stopped him saying who writes checks anymore and again hes wrong this isnt a mediator this is a lying debt collector because all this is invalid. Hes reading me my social security number trying to get me to confirm my address here and old address trying to get me to pay or their coming for me and all of this is false. 
I know portfolio recovery services have been harassing me as well as Ive put in credit disputes indicating the same on Statued of limitations but its not been any XXXX XXXX XXXX on my reports so thats false information and scamming beside the fact these companies continue to harass me when Im not working, theres a Statued of limitations on them it has to be from XXXX any debts portfolio recovery wouldve purchased and with each dispute their marking it as new debt in my reports when it is NOT and I dont have ANY XXXX XXXX XXXXXXXX account in years years beside which Im income contingent, unemployed, disabled and their ruining my credit further Im trying to fix where not to XXXX XXXX XXXXXXXX or ANY old original debtor have I ever meaning NEVER have I given permission to sell my information to any third parties and all my secure information as in social security etc I want it to stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-21
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XXXX XXXX, 2017 I set up a scheduled payment to pay to pay off my phone bill. I authorized {$100.00} to be taken out of my bank which is US Bank but During that time my bank sent out a letter ( I do not know when ) saying they had cancelled our cards, which I never knew because I had moved out of my original house. For two weeks I had went without my access to my debit card, at the time I did n't need to use it.. I called US bank and had my address changed to my current address but in the mean time I could not use it. only way I could use my card to pay off my bill was by giving XXXX XXXX XXXX my routing and account number. Again, I had only authorized {$100.00} to be taken out. Instead XXXX XXXX XXXX went ahead and took out the full payment of {$360.00}. I did not have any funds in my account except the {$100.00} and becuase of this my bank account continued to go from negative to positive additionally charging me {$36.00} each time for the overdraft fee.. I reached out and called a Banker but she informed me that there was nothing they could do about it and I would have to just pay it. This bank does not care about anything except taking money. This is the third time I have been charged for this overdraft fee. I am working to pay it off for the mistake of XXXX XXXX XXXX but each time I get money sent into my account and I 'm in negatives I get charged. When my account goes to positive I get charged. This is a problem and my bank is n't trying to help so I am sending in my complaint. Hopefully someone can assist to help me.

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 2022-01-27
Company: Experian Information Solutions Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX, Experian and XXXX assert all reporting credit bureau information is fraudulent fictitious statements ( 18U.S.C.1001 ) Based on the fact for over 5 years I have been homeless I have not Contacted any debtors that are reported on XXXX XXXX Experian, and XXXX The last date of any activities of those that have been reported on XXXX XXXX Experian, and XXXX was over 5 years ago any activity on these reported delinquent accounts Also it has been over 10 years is the last time I charged anything with a credit card, Therefore someone is fraudulent feeding fictitious statements ( 18U.S.C.1001 ) Information concerning the last time a made any payment to these accounts I need to know by what method and what means that these companies who file delinquent payments how they contact me cuz I never contacted them they have no phone number they have they don't have my address in XXXX  nor do they have my address in XXXX XXXX so how was a contact I dispute all the information fraudulent feeding fictitious statements ( 18U.S.C.1001 ) I attest all delinquent accounts reported exclude { " United States Department Of Education XXXX' LOANS which I will deal with them directly } all other delinquent accounts credit cards stores loans, ECT reported to consumer credit bureaus : XXXX, Experian and XXXX have already meet XXXX anXXXX XXXX XXXX Statute of Limitations on Debt. Therefore should be immediately removed and prevent these companies from being used by malicious persons trying to wreck my credit do not receive any more reports from them use the XXXX XXXX  and XXXX  statute of reporting credit debts limitation.

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 2021-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I AM REQUESTING ALL DOCUMENTATION FROM BANK OF AMERICA FROM XXXX. IN XXXX  WE THOUGHTWE RECEIVED A MORTGAGE FROM XXXX XXXX XXXX XXXX. AFTER FURTHER INVESTIGATIONTHERE WHERE A NUMBER OF LOANS WHICH WERE TAKEN OUT ON THE PROPERTY XXXX XXXX XXXX, XXXXGA XXXX. THE ATTY WHO WAS INVOLVED UTILIZED OUR INFORMATION AND APPEARED TO BE IN CONNECTION WITH THE CURRENT HOME OWNER AT THAT TIME, IT APPEARS THEY WERE OBTAINING FRAUDULUENT LOANS TOGETHER/GHOST LOANS PER OUR INVESTIGATION. I PREVIOUSLY SUBMITTED A COMPLAINT REGARDING PROPERTY AT XXXX XXXX, XXXX GA XXXX. IT APPEARS AROUND THE TIME IN XXXX WE THOUGHT WEWERE RECEIVE A MORTGAGE FROM XXXX XXXX XXXX XXXX WE DID NOT ALTHOUGH THE PAYMENT COUPONS WERE SENT. THERE WAS A LOAN TAKEN OUT ON XXXX XXXX XXXX BY XXXX XXXX AT THE SAME TIME WE THOUGHT WE WEREAPPLYING FOR A MORTGAGE WITH XXXX XXXX XXXX XXXX. MY SPOUSE FILED ALLFRADULUENT ACTIVITY IN THE US BRC OF XXXX GEORGIA IN ORDER TO OBTAINAN INVESTIGATION FROM THE TRUSTEE. THE JUDGE DID NOT APPROVE IT. MY SPOUSE 'S BRC CASE IS STILL OPEN IN THE COURT XXXX.THE ATTORNEY ISALLEGELY SERVING 15 YEARS XXXX XXXX XXXX. MY SPOUSE FILED A LAWSUIT INTHE BRC AND OF COURSE IT WAS DISMISSED. WE WERE PART OF A PONZI SCHEME. WEWERE VICTIMS. THERE IS A LEGAL COUNSEL INVOLVED WHO WAS PAID A SIGNIFCANTAMOUNT OF MONEYHOWEVER, IT APPEARS HE IS STALLING AND WILL NOT RESPONDTO OUT CALLS. HE KNOW EXACTLY WHAT HAS TAKEN PLACE.

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 2022-01-27
Company: Comerica
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
This is XXXX XXXX XXXX XXXX XXXX Nevada I am a direct Express card holder. XXXX XXXX direct Express sent my debt card to someone in XXXX Texas. They stole $ XXXX and put my account $ XXXX have not had access to my account and still don't .Direct Express was supposed to send me a card I have not received one.

I tried calling direct Express there automated system said you're card has been mailed to XXXX Texas. Direct Express and Social security ha XXXX all my information My card should have not ever went to XXXX Texas. This was there mistake I should not be responsible for there mistake that got my money stolen, put my account $ XXXX my identity stolen. Direct Express is Responsible for this and why should it be put on my. account.They owe me $ XXXX take the, $ XXXX off my account. And there ain't nothing they can do to make it right about getting identity stolen. BUT I SHOULD NOT BE RESPONSIBLE FOR ANY OF THIS WHAT SO EVER THEY MADE THE MISTAKE AND IT WAS AGAINST MY ACCOUNT AND THEY STILL HAVE NOT GOT ME THE OWNER OF THE A CARD. THEY SHOULD HAVE TO CLEAN THERE OWN MESS UP THEY HAVE NOT DONE NOTHING TO CORRECT THIS ITS MADE ME PHYSICALLY SICK I CANT SLEEP. 
I NEED THIS CORRECTED. IM NOT RESPONSIBLE FOR THERE MISTAKES MY IDENTITY GOT STOLEN. 
SINCERELY XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-13
Company: EQUIFAX, 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:
Please be advised that this is not a request for an investigation, but lawful written instruction and permissible purpose of a consumer report by the consumer to whom it relates Pursuant to 15 USC 1681b ( a ) ( 2 ). Pursuant to 15 USC 1681a ( e ) an Investigative consumer Report is defined as " a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is stained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from the consumer. '' I DO NOT CONSENT TO ANY INVESTIGATION as it is my right pursuant to 15 USC 1681d ( d ) ( 1 ). 

I will also make know at this time that neither Equifax, XXXX, nor XXXX can lawfully " verify '' anything contained in my consumer report. The lawful definition of verify means to confirm or substantiate by oath or affidavit ; to swear to the truth of. Any information contained in my consumer report that Equifax, XXXX, and XXXX verifies, must be done so under oath in the presence of a Notary. 

Equifax, XXXX, and XXXX are corporations and XXXX XXXX entity, they do not have the power to verify any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have previously questioned this account with credit institutions and each time the investigation returned as " verified ''. I decided to go directly to the creditors and file a dispute with them. The lender was unable to provide any form of documentation to verify this particular account with me. If they are unable to verify this account with me- the alleged account holder - there is no way to verify it!

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 2020-01-07
Company: RMS-Recovery Management Services, Inc.
State: HI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Someone from RMS continually calls my work. They ask that I be pulled from meetings and from religious services. They harass and give a hard time to our receptionist and office manager. They have called daily for almost a month. I asked them to stop and they refuse. I do not believe I owe this debt.

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 2021-10-03
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Citibank opens an account without my knowledge, transferred funds from XXXX XXXX. Starts in XX/XX/XXXX ends fund transfer late XXXX to early XXXX. XXXX XXXX  record shows continued transfers from one account to Citi Savings. Account # XXXX. I commences a probe Citibank Employees upon being questioned the validity of the aforementioned by me, these employees vehemently denied the existence of the subject account. Until one day I have received a correspondence dated XX/XX/XXXX with attached XX/XX/XXXX to XXXX XXXX ; XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX. I also printed the Activity Details stating XX/XX/XXXX the aforementioned was set up for recurring payment from my chase bank to citi account ending in XXXX attempts to fund transfer in the amount of {$85.00} was canceled. 

Pursuant to XXXX XXXX  Monthly Statement Transfers were resumes until late XXXX to early XXXX. However, according to Citibank monthly statement dated XX/XX/XXXX to XX/XX/XXXX current balance of {$840.00} was transferred but no other information was revealed. 

I discover the existence of this allege account when accidentally click the external account while conducting verification of activities in account ending in XXXX. I also found telephone numbers which were not familiar. While on that area System asks me to enter my phone, then right after I got a code number system asks to enter code which I did and was able to access this hidden account. Furthermore, please note XX/XX/XXXX XXXX record shows other transfer of {$840.00} no other information was described, question where the money went? As mentioned transfers had continued still. In addition, in this probe you will notice the correspondence Citibank attached created an attestation to falsely incriminate me, Citibank describing of a check, or checks which I dont have any knowledge of what so ever. This is the second letter Citibank wrote with a hoodlum and corrupt style mind tactics. Upon my further analysis on the first one which was dated XX/XX/XXXX XXXX. The hoodlum style has created chaos in my life and my family. This is not suppose to be this way. I have reason to believe that Citibank may have created a forge or bogus check to falsely incriminate me. In addition, payments to citi credit card were never credited appropriately into the account. Ill explain this matter in the near future..

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 2022-10-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights 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 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable to cause to believe that the information is inaccurate.

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 2018-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I submitted a copy of my state 's driver 's license and social security card to the agency to verify my identity and to remove incorrect addresses. I am submitting this complaint due to the lack of investigation of my original dispute of incorrect identifying information. I didn't sign for anything this is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. 
According to section 609 of the Fair Credit Reporting Act ALL information this is reported to credit reporting agencies should bee 100 % ACCURATE. Please deleted any old address that on my credit report. 
You also have XXXX XXXX account on my credit report. I dispute that this account is mine. I have sign no contract with this company. What are you using to verity that account is mine. I am requesting that you deleted account of 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 2020-04-21
Company: Experian Information Solutions Inc.
State: WI
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 have noticed that there are ( 2 ) hard inquiries on my credit report that I did not make or authorize. The company was XXXX XXXX. I believe that was a XXXX XXXX XXXX XXXX XXXX  It was applied for on XX/XX/XXXX and also on XX/XX/XXXX. The address that shows up on the credit report is XXXX, DE XXXX XXXX XXXX XXXX XXXX. At the time of these inquiries I was incarcerated and I did not have access to the internet. I was unable to complete these applications as I was not released until XX/XX/XXXX. I am asking for your assistance with getting these inquiries removed from my credit report. Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been receiving more than one call a day from Navient with regard to my outstanding balance on my student loans. Because both my husband and I carry outstanding balances on student loans, we want to consolidate our loans and apply for income based payments. Navient has denied me that right, claiming that because the loan they are calling about is a " private '' loan they can not speak to the facts about my subsidized and non-subsidized loans. They have given me options to make payments towards only the private loan for which they call about and they refuse to entertain that I can not afford the payment options they are giving me. This is above and beyond the fact that the institutes who sold me my education falsely promoted wages and career opportunities to get me to go to them. I can not afford to hire an attorney to help me with this issue. I have applied to the Borrowers Defense on https : //studentaid.ed.gov and I am patiently awaiting someone to contact me to help. Furthermore no one at Navient has responded to my request for documentation to review from my original loan ( s ). What can I do? Where can I turn?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
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:
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 non-monetary relief