BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-03
Company: CHARLES SCHWAB CORPORATION, THE
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Yesterday on XX/XX/XXXX I deposited a check through the XXXX  app. I then tried to transfer a portion of said check to another bank, as it was made available for me to transfer. A few hours later I try to log in and it says my account is locked due to security reasons. I call and they explain to me that my account was locked due to an investigation by the fraud department. I've read online and from friends that these reviews can take anywhere from 30-90 days. I can not wait that long. I am a XXXX XXXX XXXX, I have bills I need to pay and don't have the ability to do so without accessing my funds. No rep has been able to put me in touch with the fraud department as they are not able to be reached over the phone. 3 emails have left no answer. This is money I need to access to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXXXXXX 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 2017-08-25
Company: Collection Resources, Inc.
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This creditor Collection Resources Inc. ( whom I have  never received services from ) is unable to verify debt dated XX/XX/2013 for {$70.00} ; please remove this collection account from my credit report promptly. Very unfair and unacceptable practices by collection agencies and slow credit bureaus to follow-up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Heartland Resolution Group, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Heartland resolution group Purchases by XXXX capital partners They bought a debit and trying to recoop false amounts owed. To see who will dispute amounts. They say on XX/XX/11 I owe {$340.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have had this loan for my daughter for over 15 years. It started at {$17000.00} and is up to {$30000.00} + Navient has not tried to help me pay down this loan they want an exorbitant amount of money each month. I am XXXX years old and just get social security and can not send them over {$400.00} a month. I tried to work our a repayment plan with them and they push me into Forbearance most of the time there have been times that I was also in deferment. To make a long story short the interest just keeps increasing. I can't talk to anyone that has enough power to discuss repayments most of the people I talk to are in another country. What they have done to people like me is criminal. I need help with this. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: CITIBANK, N.A.
State: MA
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:
To Whom It May Concern : My name is XXXX XXXX ( DOB : XX/XX/XXXX SSN # XXXX ). As of XX/XX/XXXX last monthI reviewed my credit report and noticed a Citibank credit card account unauthorized me. This account is listed as an authorized user in my name which I have absolutely no knowledge of!! I've contacted Citibank several times regarding this closed account however I havent received any correspondence to date. I had no knowledge of this Citi card ( XXXX ) that was opened onXX/XX/XXXX. I was only XXXX XXXX XXXX. This card has caused horrific problems causing me to get denied to enroll in college and further school opportunities. This has affected me from securing student loans and nearly caused me to be homeless. Im requesting the removal of this account immediately off of my credit report otherwise ill be moving forward by seeking legal action

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 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 recently reviewed my credit report and noticed some unauthorized inquiries on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my 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 2019-08-06
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:
I have submitted in writing several complaints and request to update my credit report that is inaccurate and yet they have failed to respond and change my credit report. This has now caused me to be denied for a home loan in which I was in the process of being homeless and much more. XXXX specifically has now failed to change my credit report for the last 3 months which is more than 90 days which is past the 45 days allowed for a investigation.

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 2021-04-16
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 escrow closed on my refinance. My former loan company, Flagstar, is holding over {$6000.00} of my money from an escrow account. I have contacted them several times. I was told I had to wait 20 BUSINESS DAYS. That period of time has well passed and I contacted them again. I was told I'd have to wait another 15 BUSINESS DAYS for them to " reissue a check ''. It has now been 36 days and I still have not received my funds.

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 2022-09-03
Company: Block, Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Yes on XX/XX/XXXX I had an unauthorized transaction of {$40.00} on XX/XX/XXXX another unauthorized for XXXX and then on XX/XX/XXXX I had an unauthorized transaction for {$180.00} through cash app these people got a hold of my phone and sent themselves the money I have XXXX couple doing it on my XXXX camera but yet cash app is telling me that I did this and I authorized it which I didn't it's not fair knowing that I have proof that I didn't do it but yet they're investigation says I authorized it I didn't I am out {$240.00} right now and that's my daughter 's money I'm a XXXX parent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Atlanticus Services Corporation
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had an Aspire credit card and when I went to pay the bill I noticed they were charging me a fee of {$39.00} to renew my card on top of the {$8.00} per month service charge. 

When I called them I informed that their fee was to high and I would not be renewing my account with them and I asked them to remove the fee. This is before the renewal date and before my bill was do. 

They informed me they would not remove the fee and I was just out of luck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: Commonwealth Financial Systems, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have no idea what has happened. This debt showed up on my credit report XX/XX/2017 and I have no idea what it is for or when or why I owe it. Company will not respond to my requests for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit Fraud Alert/ freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX DOB XXXX. I have attached my bank SS Card and DL for proof of ID

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 2017-08-25
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows :

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 2017-08-25
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX, 2017, a charge in the amount of {$1900.00} was made to XXXX XXXX XXXX 's account from XXXX XXXX. This was not an authorized charge, we have not done any business with them, and do not know who they are. I called TD Bank to dispute the charge and was told that the matter would be resolved within 2-3 days. I then called back only to be told it should take 7 days. After that period, I contacted the bank again, and after being transferred to supervisor, I was informed that they will not be able to reverse the charge since it was reported more than 24 hours after posting. This is very unusual to hear, as they are stating that you basically have to be chained to a computer to check bank statements on a daily basis. I have never experienced such poor protocol and service from financial institutions in the past. They are effectively saying that if I 'm away for a few days and someone processes an unauthorized charge, I have no recourse. When I asked what can be done to prevent this from occurring again in the future, the supervisor responded, " Nothing. '' This is completely unacceptable, for a bank to tell their customer that there is no safeguard in place to prevent someone who happened to get our account number, whether from a check or from some other document, to just be able to go and drain our account. If I do n't catch it within 24 hours, I 'm out of luck according to XXXX. Afterwards, I 've contacted the merchant directly to see what can be done. The merchant stated that they though it was a strange transaction because it was done very fast, the customer picked the best tier package, and the location was for a low-income area, which is inconsistent with similar orders. He nevertheless proceeded with the transaction. Both me and the owner of XXXX filed a police report. XXXX claimed that they ca n't return the funds because then they will be at a loss, and that I should pursue the issue with my bank. As it currently stands, I 'm out almost XXXX XXXX dollars, and my bank is refusing to reverse the charge on the basis that it was reported more than 24 hours afterwards. I have never heard of such a policy, and do not believe I ever signed any documentation stating such a policy. In all my experience with financial institutions, I 've had a month or more to dispute charges. Not everyone checks their transaction history online, some still receive paper statements, so I can not understand how such a policy is even legal. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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 paid my credit card balance in full on XX/XX/XXXX. The online statement then showed a XXXX balance. On XX/XX/XXXX the payment was processed a second time for the exact amount, thus overdrawing my checking acciunt and causing the line of credit to do a {$2000.00} auto transfer. 
I called the bank and they said it would take a week to gey s refund, and then inwould be out the interest and use of the {$2700.00} in funds. Not acceptable. A major US bank that takes your money in error and can not return it next day? This is abuse, taking advantage of the elderly, and very poor customer service. They autodenited me in error and received immediate credot but will not return the funds for a week and will not pay the interest on the advance. 
This is why we need your help, as only the CFPB has the clout to make this right. 
Thanks

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 2022-03-08
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: Their investigation did not fix an error on your report

Complaint:
since XX/XX/2021 I have been trying to get Equifax to provide answers to my dispute. All I get is accounts are updated. what does this means? I have no knowledge of these accounts. I have no record of these accounts ; therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following account names as it appears on my XXXX credit report : I wish to see the documents showing the company rights to collect under the Fair Credit and Billing Act. Additionally, I wish to see the original sources of the information reported including, but not limited to, the original contract or agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 

accounts being dispute XXXX XXXX Opened XXXX {$100.00} XXXX XXXX XXXX XXXX Opened XXXX {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Unknown late payments XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 60 days Status Updated XX/XX/XXXX Balance {$4.00} Balance Updated - Credit Limit {$1500.00} Past Due Amount - High Balance {$1500.00} Monthly Payment {$4.00} Balloon Payment - Contact Phone BYMAILONLY Contact Address XXXX XXXX XXXX XXXX XXXX NY XXXX Ownership Individual Original Creditor - Company Sold-to

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Navient Solutions, LLC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have recently reviewed my credit report and noticed some unauthorized late payments on accounts my student loans have been deferred since COVID19 began and the moratorium doesnt end until XX/XX/2022 on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00}

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 explanation
Consumer complaint received 2022-04-25
Company: COMMUNITY REINVESTMENT FUND
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: Problem with personal statement of dispute

Complaint:
Supposedly low income small businesses were eligible to receive up to {$2.00} XXXX Dollars for the XXXX XXXX XXXX XXXX. I have been denied on multiple occasions even after I have sent over emails and had phone calls about the DOD-Frank Wall Street Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Unknown late payments XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 60 days Status Updated XXXX/XXXX/XXXX Balance {$4.00} Balance Updated - Credit Limit {$1500.00} Past Due Amount - High Balance {$1500.00} Monthly Payment {$4.00} Balloon Payment - Contact Phone BYMAILONLY Contact Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ownership Individual Original Creditor - Company Sold-to

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