BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
Company: Harris & Harris, Ltd.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
daily calls from XXXX XXXX XXXX company name harris and harris, they are trying to reach another party, but have the wrong number, i have asked them to remove my number

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was scammed by offshore XXXX XXXX for over about {$11000.00} and the website doesn't exist anymore XXXX I had begun my dispute processes for over 6 months now and they have only resolved 2 disputes in my favor so far with case numbers : I was also scammed by XXXX which is a XXXX software company that provided fraudulent claims about their softwares that seem to work and make money. All was fluff for sales, basically a scam. They have again resolved only 2 disputes in my favor so far with these case numbers : XXXX & XXXX. 


I was lastly scammed by a XXXX based software company that also has claimed to be the best software that trades the XXXX market for you called " POW '' All these scams are obvious and they are known, I personally had no idea but to try them all out and literally lose much more money than even the investment itself yet the credit card company ( XXXX 's credit card provider ) always resolves the disputes in the merchant 's favor even when they're common sense and obvious scams that are well known by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Bright Capital Inc
State: MO
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Other advances of future income
Issue: Unexpected fees

Complaint:
Went on website was told I was going to be charged XXXX monthly but was charged XXXX. I tried contacting company but get run around and tired to call and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: LA
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, XXXX XXXX XXXX XXXX, was impacted " by the Louisiana DMV Data Breach '' that made World News, impacting all Louisiana residents such as myself. The account and inquiries I have listed are attached with my FTC Report result from Identity Theft, which I'm a victim of. I have no accounts with the companies listed and would like them removed from reflecting on my current credit report. These are inaccuracies resulting from identity theft I have no knowledge of. 

Accounts and inquiries that are not mine are listed below, XXXX XXXX/ XXXX XXXX/ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for your company to provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. Also, My rights as a consumer might have been violated especially my rights to privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to bring to your attention a matter of utmost importance concerning my credit report. After thoroughly reviewing my credit history, I have discovered several discrepancies and inaccuracies that suggest a case of identity theft. I request your immediate assistance in rectifying this situation. 

Below are the details of the discrepancies I have identified : XXXX XXXX XXXX XXXX XXXX XXXX I have noticed a series of fraudulent transactions on my credit report, including purchases and withdrawals that I did not make or authorize. 

I am extremely concerned about these discrepancies, as they have already had a significant adverse impact on my creditworthiness. It is crucial that these inaccuracies are promptly addressed to mitigate any further damage to my financial standing. 

Assist me in the process of reporting the identity theft to the Federal Trade Commission ( FTC ) and obtaining an identity theft report. I understand that addressing identity theft can be a time-consuming process, but I urge you to act swiftly to rectify these issues and restore the accuracy of my credit report. Your cooperation in this matter is crucial to protecting my financial well-being.

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 2023-09-11
Company: Experian Information Solutions Inc.
State: CA
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:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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:
I have provided supporting documents and request that you investigate the matter promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Accounts : 1st is the Current XXXX  XXXX XXXX XXXX XXXX ; then Bank of America/XXXX  ; and the reason starting this FRAUD COUNTRYWIDE THST WAS FOUND GUILTY OF FRAUD AGAINST US MORTGAGE HOMEOWNERS. 
_____________________________ XXXX  XXXX XXXX / XXXX # XXXX Loan # XXXX ; then -BOA/ XXXX  - Loan # XXXX ; then - XXXX/BOA/ XXXX XXXXXXXX # XXXX XXXX XXXX ( They have and had all these loan amounts listed bogusly with bogus amounts to keep me from refinancing away without them being able to steal my equity with these bogus balloon balance ) XXXX XXXX XXXX ( is the culprit on all 3-loans ), XXXX  knows the fraud that is being committed with this bogus balloon balance ( s ). 

Balloon balances listed on my credit and payment Balloon balance listed {$150000.00} XXXX  balance list : {>= $1,000,000} ( Balloons are fraudulent and should be discharged or removed ) Illegal Fees pd XX/XX/XXXX. {$450.00} Illegal Escrow shortage : {$420.00} ( XX/XX/XXXX ) More now Unpaid bal : {$570000.00} ( XX/XX/XXXX ) wrong this should be about $ XXXX ( I have been in my home over 20 years with a 30 years and I have never missed a payment ). XXXX  started this fraud and BOA AND XXXX CONTINUED THE THEFT. 
New unpaid bal : {$620000.00} fraudulent- Please do your job and read, listen and hear what I am telling your office that is supposed to protect me. 

The XXXX  balance on my mortgage is bogus. It was place on by XXXX  illegally just before XXXX  went under due to FRAUD TO THEIR CUSTOMERS ( ME! ) I was a customer mortgage holder. This bogus XXXX  balance then passed on or was acquired by Bank of America XXXX who I sued in court but they failed to remove it due to fraud again they just tried to give me money and keep the XXXX  balance to illegally continue to steal my equity. Then because of this law suit that they tried to pass this XXXX  balance to XXXX  XXXX XXXX XXXX XXXX. XXXX knows they are still committed fraud still continuing stealing my equity and steal in each mortgage payments. They know I am XXXX XXXX XXXX and can not afford an attorney XXXX to fight in court which is why YOUR OFFICES, my governor and government should be ashamed not protecting me. I need this FRAUDULENT XXXX BALANCE REMOVED FROM MY MORTGAGE. 

XXXX  started this fraud and Bank of America and XXXX  XXXX XXXX AND XXXX XXXX XXXX XXXX knows this snd continues this theft and fraud because your offices will not do your job to correct this theft and protect me. Protect me and send this balloon balance back to XXXX the other two banks have been capitalizing offer of this fraud too long.

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 2023-09-10
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act the following accounts has violated my rights : 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 XXXX XXXX XXXX  15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section D2A ( I ) : the consumer report does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report.

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

15 USC 1666B : Timing of payments ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by SECTION 1637 ( B ) OF THIS TITLE is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor XXXX repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge XXXX not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 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 non-monetary relief
Consumer complaint received 2023-12-18
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I filed to move to the new SAVE repayment program XX/XX/2023. I was told the process would take no more than two months. On XX/XX/XXXX, I was told a needed to make a payment to switch to the new SAVE plan, which I made the same day. I have called multiple times to verify when my payment plan is getting switched to the SAVE program. I have been told I have been approved and I'm just waiting for them to switch me. I've called 4 times total, waited on hold for over 9 hours and keep getting different dates as to when my approved SAVE program will go live on my account. This has taken close to three months and still radio silence on the part of NELNET. I am getting beyond frustrated with the slow processing, lack of communication and having customer service reps tell me different things without trying to help me in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On 3rd I mailed a letter to validate a collection that is being reported to the credit bureaus. The account was opened with Hunter Warfield Inc. Collection Agency in XXXX  showing a balance of {$23000.00}. Hunter Warfield IncXXXX Collection Agency failed to respond to my validation letter as of XXXX XXXX. The uploaded attachment the letter that was mailed along with tracking information which shows when the agency received the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

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 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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:
These are the companies that I found on my credit file. These were done fraudulently without my consent. I dont know how my information was used to make these inquiries Ally Financial 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 2023-09-02
Company: CITIZENS FINANCIAL GROUP, INC.
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:
My husband, XXXX XXXX and I closed on a HELOC from Citizens Bank XXXX XXXX ) in XX/XX/2023. We were given debit cards. The cards were brought home directly and put into our home safe. 

In XX/XX/2023 I received a text from Citizens Bank from their fraud department for four unauthorized charges. Upon calling, the charges were placed in dispute and I was not responsible. 

Citizens Bank then issued me a new debit card which I was instructed to pick up in person at the XXXX NY branch. Again, I secured both cards in my home safe. 

In XX/XX/2023 I was again notified by the Citizens Bank fraud department that my new card was compromised with two charges. Mind you that the two cards were never inserted, swiped or used in any fashion including on-line purchases. Both cards have never left my possession.

This leads me to believe that there is a breach within the Citizens Banking system. I have refused a third debit card and I have requested credit protection for one year which Citizens Bank as of this day has not responded back to me.

Citizens Bank has broken my trust as a new customer. What can I do going forward to protect my credit and or banking information? 

Any help in this matter would be greatly appreciated. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX e-mail XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: CA
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 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 explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: NC
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 DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of InquiryXXXX  XXXX XXXX Date of InquiryXXXXXXXX XXXX Date of InquiryXXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of InquiryXXXX

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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Requested opt out... 
XX/XX/2023 XXXX XXXX XXXX Subject : Opting-Out of Authorizations as a Federally Protected Consumer Dear XXXX XXXX, I am writing to inform you, as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), that I am opting out of any and all authorizations I may have given you, whether written, unwritten, verbal, or nonverbal, as outlined in Section 15 U.S.C. 1681b of the FCRA and 16 CFR 313.7 ( g ) ( 1 ).

As I exercise my rights under the FCRA, I kindly request that you immediately cease any activity or use of my personal information that was previously authorized. This opt-out applies to all current and future authorizations.

Please ensure that my personal information is removed from any databases, mailing lists, or any other sources used for commercial purposes. Kindly confirm in writing that you have implemented my request within thirty ( 30 ) days of receiving this letter.. 
In compliance with federal regulations, I would like to continue receiving periodic statements and any llegally mandated communications regarding my account. However, any other uses or sharing of my information should cease immediately. 
I appreciate your understanding and cooperation in this matter. Failure to comply with my request may result in the violation of federal law, and I may be inclined to pursue legal action to protect my rights as a consumer. 
Should you have any questions or require any additional information concerning this matter, please do not hesitate to contact me In writing only, at above address. Thank you for your prompt attention to this request. 
Yours sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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