BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Was not notified of investigation status or results

Complaint:
I sent my first set of disputes for inquiries to the bureaus on XX/XX/XXXX. I gave them the 30-45 days legally allowed and never got an answer from any of the bureaus. I sent a second set of disputes through certified mail on XX/XX/XXXX to track the delivery of the letters, they were all delivered as you can see through the attachments, but I still have not received a response from the bureaus. I just sent my 3rd set of disputes to the bureaus yesterday, XX/XX/XXXX through certified mail again, HOPING for something this time.

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 2022-06-13
Company: Experian Information Solutions Inc.
State: TX
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:
To whom it may concern, My name is XXXX XXXX XXXX, XXXX XXXX I have reviewed my Experian credit report and noticed a few hard inquires that I did not ask for. This is a written request for the following hard inquires to be removed. I have called Experian and the creditors and was given the run around about this situation. If not resolved in 30 days I will have to contact the Consumer Financial Protection Bureau once again. If you have any questions or concerns, feel free to contact me at XXXX or email at XXXX Thank you, XXXX XXXX XXXX Hard Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of 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 explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: CA
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:
Unauthorized inquiry done by XXXX XXXX on XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: CITIBANK, N.A.
State: NY
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:
This company CBNA made a hard pull on my credit report affecting me by my score to go down several points i never sign up for nothing whit this people and there 's no much of info about this company CBNA XXXX XXXX, SD XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Sharing my information without my consent, reporting false inquiries on my Consumer Report Damaging my credit score with false information.

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: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacted 5 times in the last month concerning a debt that is not mine. I informed the first caller on XX/XX/XXXX that I was not the person named and at the time told them not to contact me again. I received 4 calls since then and the missed call on XX/XX/XXXX. I returned the call and again told the person answering that I was not that person Midland Credit was trying to reach. I asked what the calls were for and was told to collect a {$900.00} plus debt to XXXX XXXX XXXX XXXX. I told them that I currently have several accounts with XXXX XXXX and my credit card was in good standing. I then told the person not to call again. They replied that my credit score would be affected if I did not pay. I reiterated that I owed no such debt and said not to call me again because I was on the NO Call List. The person then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Months ago, I cut up my Bank of America credit card and sent it back to the company to close my account. Yesterday I received in the mail a 'change in terms ' to my credit card ending in XXXX. I tried to call the phone number to tell them the account was closed, but it asked for a credit card account number ( which I do n't have ) or a social security number ( which I input, but it did not recognize ). Since it did not accept my social security number, I got a recording that threatened " extended wait times '' because I allegedly did not input my number. I got tired of being on hold and hung up. THIS ACCOUNT HAS BEEN CLOSED. I HAVE NO OPEN ACCOUNTS WITH BANK OF AMERICA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-21
Company: CITIBANK, N.A.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX is refusing to disclose amounts it purchased my debt for, I no longer owe the amount they are talking about and they still reporting Late payment XXXX of XXXX $ in my account

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: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Loan Servicer : Fed Loan Services Loan Program : XXXX XXXX Under the new XXXX rules, I submitted a new employee eligibility form for time period running from XXXX ( XXXX XXXX XXXX 's XXXX XXXX XXXX This was previously unreported employment/payment period. 

XXXX I contacted the provider via email for an update. The email was acknowledged via auto reply, but no written response was ever sent. 

XXXX I contacted the provider via email for an update. The email was acknowledged via auto reply, but no written response was ever sent. 

XXXX Received updated payment calculation and employer credit. No indication that the XXXX employment period was considered. Qualifying payments were not increased and my expected eligibility for XXXX increased into XXXX. 

XXXX Submitted XXXX employee eligibility form a second time for evaluation. 

XXXX Received updated payment calculation and employer credit notice. The approved begin date for the employment period XXXX was incorrectly calculated ; the servicer listed the approved employment as XXXX. As a result, I again received no credit for payments beginning in XXXX. My anticipated XXXX eligibility date increased to XXXX. Prior to the submission of the expanded employment time frame, the expected date was XXXX. I contacted the provider via email regarding the error. The email was acknowledged via auto reply, but no written response has been received to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I received a purported letter from Equifax, stating that they have been attempting to reach me. The letter states : Contact Equifax Customer Care Team at XXXX. After contacting Equifax at their true and correct number, I was told that this letter is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Grain Technology, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I use grain technology which is an online credit card and I have emailed them more than 5 times a day for the past 2 weeks and no one has responded back to me and I have {$350.00} that I can withdraw and cant get into my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never consented to be a co signer, account does not belong to me, I am a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: EQUIFAX, INC.
State: ID
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:
On XXXX/2017 I submitted certified letters to the credit reporting agencies XXXX, XXXX and Equifax to investigate a mortgage being shown on my credit report. I also submitted a certified letter to the mortgage lender XXXX. I received responses from the credit reporting agencies but not from XXXX. The credit reporting agencies said they were not able to make any changes to my credit report. The mortgage is causing my credit score to be impacted severely due to late payments. The mortgage should be solely listed under my ex-husband and not under my name as I have not been responsible for it for over 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: CITIBANK, N.A.
State: OH
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:
Hello, Since XX/XX/2022 I have reached out to Citi Reward Credit Card.. concerning a dispute. 
I paid my acct off XX/XX/XXXX ' And have never used my card since.. Then fraudulent charge came on my card.. I disputed it and they removed it. 
In XX/XX/XXXX ' Another fraudulent charge was on my card.. They said they would just give me a new card... 
XX/XX/2022 I received a new card. I never used the card but then they started saying I owed them money.. I called and told them I've never used the card and they said I would have to speak with supervisor. No one ever came to phone... 
I called back and waited several times on hold for XXXX min at a times only for them to hang up on me or no one would come to the phone.. this has been going on for months now. 
I am being Harrassed over and over again by Robo calls saying I am past due. 
. I've sent emails. phone calls sent them a letter, and a chat... .No response I've rpt this to my credit bureau.. Now theyre saying I owe {$65.00}????

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 monetary relief
Consumer complaint received 2020-01-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My wife and I had a Costco Anywhere VISA Business Card by Citi since XXXX, issued by Citi Cards. We both have a credit rating above 700 and have never been late on our payments. Our credit-line was over {$20000.00}. In XX/XX/XXXX, we decided to purchase a car and the dealer said it was okay to put some of it on our credit card. We only put {$5000.00} on the card, way lower than our credit-line. Days later, Citi canceled our card without any prior notification. Since we use the card in our family business, it was a great inconvenience and surprise. Moreover, the cancellation was suspicious because we have over {$750.00} cash rewards on that card. When we called to find out what happened, customer service said we had to wait for a letter but confirmed that Citi would forfeit our cash rewards that we had earned. Because of our high credit rating and patronage of over 10 years, that was an unfair business practice by Citi to act unilaterally and without notice. We asked to be reinstated but Citi refused to provide us with additional information on how to request reinstatement. Oddly, they sent advertisements of other Citi cards despite forfeiting our already-earned cash rewards. We were professional and paid off our statement at the end of the month as we have for over 10 years. Sadly, we typically would give part or all of the cash rewards we earn each year to our children to save for college. This unprofessional business practice had consequences for us in the forfeiture of the cash reward we had earned and that we had to seek a different card and, finally, our trust in Citi. We could have used a different card during that period and missed-out on other reward programs. Our reliance on Citi appears to have been misplaced.

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 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Delete this account XXXX XXXXXXXX for violation of sectioXXXX XXXX XXXX failure to enter the required notice of dispute within 30 days of receiving the initial dispute letter. The Initial dispute was acknowledged by Transunion on XX/XX/2022. Acknowledged by XXXX on XX/XX/2022. Acknowledged by XXXX on XX/XX/2022. Delete for violation. 

Delete this account XXXX Bank XXXX for violation of section 623 for failure to enter the required notice of dispute within 30 days of receiving the initial dispute letter.The Initial dispute was acknowledged by Transunion on XX/XX/2022. Acknowledged by XXXX on XX/XX/2022. Acknowledged by XXXX on XX/XX/2022. Delete for violation.

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 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To whom it may concern, My name is XXXX XXXX XXXX, XXXX XXXX I have reviewed my TransUnion credit report and noticed a few hard inquires that I did not ask for. This is a written request for the following hard inquires to be removed. I have called TransUnion and the creditors and was given the run around about this situation. If not resolved in XXXX days I will have to contact the Consumer Financial Protection Bureau once again. If you have any questions or concerns, feel free to contact me at XXXX or email at XXXX Thank you, XXXX XXXX XXXX Hard Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: Freedom Mortgage Company
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Not only was my own mortgage payment drafted from my bank account but in addition, someone else 's loan / monthly payment was ALSO drafted from my account in the same month within one day of each other. Despite several emails, phone calls, promises for call backs, I have not been able to get resolution. I 'm put on hold and then eventually hung up on. I have provided proof of the erroneous draft as well as the other person 's loan number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I reached out to the credit bureaus about a problem on XX/XX/XXXX and they have yet to respond. my biggest issue is that the bankruptcy there roporting doesn't belong to me I even reached out to the bankruptcy court and they sent me a letter saying that they do not report so how this information is on my credit I have no idea but i would like it to be removed right away

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 2018-03-23
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2018 I sent a certified letter to Receivable Solutions advising them to cease and desist all attempts to collect this debt. In this letter I advised them not to contact me, or any third parties regarding this debt. This letter was delivered and signed on XX/XX/2018. 
On XX/XX/2018 I received a telephone voice message from Receivable Solutions in which I saved on my answering machine. They clearly disregarded my request to stop the telephone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A person living at the same address BUT not the same appartment open credit cards accounts in my name. This companies closed the acounts and now have been sold to Midland funding for XXXX and Midland credit managem for XXXX. I fild a complaint with local police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 never consented to be a co signer, account does not belong to me, I am a victim of fraud.

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