BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
CitiBank advised me by letter on XX/XX/22 that an account had been opened in my name in XXXX, NY and they put the account on restricted status until I could verify it. I live in Florida and had not opened such account. A check that had been sent to me from a law firm in NY was apparently stolen ( in the amount of over {$30000.00} ) and then someone using my identity opened this account. The account number is XXXX. The Citibank reference number for this complaint is XXXX. I advised Citibank of the stolen check and stolen identity in XXXX and was told this would be investigated and the account frozen. No funds had left their account, and they were to refund the money to XXXX XXXX where the check originated from. In XXXX I was told that my claim was approved but they were " processing '' the refund to XXXX. The maker of the check is the law firm of XXXX XXXX XXXX, in XXXX, NY. Two days ago I was again told by Citibank that the transaction is still under investigation and the refund is being processed. It is more than 120 days since this fraud was reported and Citibank still has not acted on returning the money to XXXXXXXX XXXX so that XXXX XXXX XXXX can issue me a new check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
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 have lived in XXXX al of my life and i have never filed bankruptcy. I believe someone else has been using my information. I have used my credit before but no one ever told me i had a bankruptcy until recently. i have included the accounts in this complaint i also will list the fraudulent addresses that are listed on my credit report below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA 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 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 SOME ACCOUNTS THAT I DO NOT RECOGNIZE OF MY OWN AND WOULD LIKE THEM REMOVED IMMEDIATELY. I HAVE ATTACHED THE PROPER DOCUMENTATION DESIRED TO HAVE THESE ACCOUNTS REMOVED. PLEASE SEE TO IT THAT THESE COMPANIES RECEIVE THESE COMPLAINTS AND ACT ACCORDINGLY.

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 2021-01-11
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I filed for Chapter XXXX Bankruptcy in XXXX in XXXX. I have been consistently making my Trustee payments. XXXX XXXX XXXX HELOC was included in this bankruptcy. In XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating they will no longer service my loan. The new servicer will be Specialized Loan Servicing, LLC. I never received any information from Specialized Loan Servicing regarding my account, monthly payment amount, and how to submit payments. I attempted to set up an online account with Specialized Loan Servicing ( SLS ) and was prevented from doing so. I called SLS and spoke to XXXX and he told me to pay {$830.00}. I called my attorneys office ( XXXX XXXX and spoke to his legal assistant XXXX to inform her that XXXX has not provided me with any account number nor any written documentation regarding my loan. My attorney contacted XXXX  and XXXX  wanted me to pay {$4000.00} to start a payment plan. I told my attorney that I only have {$3000.00}. I sent a personal check to XXXX for {$3000.00} and XXXX sent the check back to me. Around this time I noticed XXXX charged off approximately {$80000.00} onto my credit report. Again, I contacted XXXX at my attorneys office to let her know XXXX  did not accept my XXXX payment and has now put the full balance owed on my credit report. XXXX told me she will contact XXXX. I told XXXX that I will not make any payments unless XXXX pulls the loan back from my credit report and provide access to a monthly statement. On XX/XX/XXXX I received a formal Creditors Certification Of Default from SSLs attorney XXXX XXXX XXXX, XXXX, XXXX, Fl and sent to the US Bankruptcy Court Chapter XXXX, Case No. XXXX. XXXX is proceeding to foreclose on my property without even giving me a chance to pay. XXXX  also never introduced themselves to me by lette, nor did XXXX provide a payment plan as they should have since this is an active Chapter XXXX bankruptcy. XXXX  was also making it difficult to make payments because they only wanted me to use Money Orders or Certified Cashier Check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.

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 2021-01-11
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: Information belongs to someone else

Complaint:
I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off XXXX XXXX XXXX Opened XX/XX/2017 ) and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have had 2 types of medical insurance for the past 10 years. I pay my agreed to co payments on time and at the time of service. Currently I have a collection for XXXX dollars on my credit report that is for un-paid co payments that I did pay in XXXX. 

CREDIT BUREAU SYSTEMS - Last reported XX/XX/XXXX {$60.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Chime Financial Inc
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I bank with Chime bank and on XX/XX/XXXX a fraudulent transaction for {$600.00} came through from XXXX. I first tried to contact XXXX about this {$600.00} charge and they refused to help me and I can not get thru to their support. So I reached out to chime to open a dispute on XX/XX/XXXX. 

Chime opened the dispute and asked me to send them proof/police report with in 10 days which I sent out immediately. Chime closed my dispute within 3 days of opening it in favor of the fraudulent charge. I know for a fact that my forms/police report/ XXXX transcripts did not arrive at chime in those 3 days. So basically chime did not properly investigate this and did not look at the stuff I sent them .I was suppose to have 10 days and only got 3. Now, chime refuses to respond to my request to reopen the dispute and look at what I sent them. I want my {$600.00} back and I want chime to properly dispute this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Nelnet, Inc.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX I was alerted by a credit monitoring service that there were 3 late payments on my account from NelNet. I had never heard of NelNet and contacted the company as soon as possible, which was XX/XX/XXXX due to their office hours. 

After contacting NelNet is appears that a student loan I had thought was paid off was transferred to them in XXXX from my prior loan servicer ( XX/XX/XXXX XXXX XXXX XXXX ). I had never received any communication about the transfer. Shortly after the transfer I enteredXX/XX/XXXXand any amount outstanding was put into automatic deferral. I never received any contact from NelNet about the payments resuming as they had an address on file that had not been updated since XXXX. 

During my conversation with XXXX I explained that I could either make the account current and make payments, or pay the entire amount if either would result in the removal of the credit reporting action. XXXX said that I could not ask for this as I had not acted in " good faith. '' I then asked about the CARES Act, and asked why the XXXXXX/XX/XXXX were not in forbearance. XXXX informed me that although they were XXXXXX/XX/XXXX, because they were issued before XXXX they were private loans. I have not been, and can not locate and law regulation demonstrating that change. 

I was then transferred to XXXX 's supervisor XXXX, who informed me that by federal law NetNel can not remove the credit reporting. I asked him where to find the law to which he directed me to studentaid.gov and then NelNet 's website 's FAQ section. I had XXXX stay on the line to direct me to which he couldn't. I then asked if there was somebody that could provide either the law or additional help to which he provided me a " customer solutions '' e-mail address. After giving me the e-mail he warned me that any attempt to dispute the late payments would further " ding my credit. '' I have not received a response from NelNet 's " customer solutions '' e-mail address. 

I have never missed a payment in my life and have the funds and willingness to pay the amounts in full. The credit report of a late payment has caused my credit score to drop significantly at a time I am having a child and searching for a home to purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Chime Financial Inc
State: OR
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 my account was hacked by someone named XXXX XXXX Chime/XX/XX/XXXXXX/XX/XXXX doesnt let you know if your account has been compromised via email, text, or App notification. I was unaware of the fraudulent activity until the morning of XXXX when I checked my account and funds had been removed. The person that gained access to my account was able to transfer {$1200.00} from my savings account into my checking account, then proceeded to send themselves that same {$1200.00} using the Pay Friends feature. This feature is fairly new. You are able to send anyone money instantly if they have a chime account as well. There is no 2 step authentication to make sure its really you sending the money. My money was instantly transferred to XXXX XXXX I have made a police report, Made a statement to the XX/XX/XXXX and contacted the federal reserve of this matter. This incident has happened to many people. I have posted in Chime banks subreddit, and read other forums of this situation happening to many people. Most of the time these individuals arent getting their funds back because chime doesnt think there is any indication of fraud. But it sounds like to me Chime is supporting this behavior and its unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: M&T BANK CORPORATION
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:
M & T Bank is aiding and abetting common criminals, con-artists, and scammers when they allow one of XXXX XXXX cardholders , in this case a XXXX XXXX XXXX XXXX to purchase our legal services under emergency conditions to try and help his XXXX  girlfriend from being thrown back on a plane out of the USA for God Knows What, and where our entire law firm team dropped everything to work on this deadbeat 's case all day, and then he does a credit card charge back because the U.S. Government sent her back.

We did everything that we could, but the test of a credit card authorization under federal and local law is ( 1 ) whether or not he authorized said charge which he did pursuant to a signed retainer agreement contract and ( 2 ) whether he received legal goods and services ( attached ) which he also did.

The contract itself states that we do not and can not guarantee legal results per ethics and law, kind of like a doctor can not promise if a surgery won't result in the patient 's death.

But either way we did the work, and deserve to get paid, not robbed as was done here, when M & T Bank refused our dispute that this was an unauthorized debit by XXXX XXXX, who unlike XXXX  and XXXX, understands that a lot of their cardholders are scumbag con-artists, freeloaders, shoplifters, and thieves. 

Please investigate and advise. 

XXXX  our duly charged and earned {$5000.00} legal fee payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX and i am submitting this complaint without any influence from a third party or Agency. Please see attached Documents and ID as it contains my full complaint and request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
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 lived in XXXX al of my life and i have never filed bankruptcy. I believe someone else has been using my information. I have used my credit before but no one ever told me i had a bankruptcy until recently. i have included the accounts in this complaint i also will list the fraudulent addresses that are listed on my credit report below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA 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 2021-04-24
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day I have not received a reply or my investigation results or any acknowledgment that an investigation has begun on my credit reports. Section 611 ( a ), it is plainly stated that a faiIure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. I demand those items to be deleted immediately as it has been over 30 days or I will file litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I received a letter from OneMain FI from XXXX, CA state that I pre qualify for a installment loan After I try to apply for a loan said that I am not qualfy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have called everyone I can to pay the Macys debt. NO ONE can help me and everyone says they have nothing under my name or social security number. Both XXXX and XXXX have removed this debt. I am willing to pay the only {$230.00} but NO ONE can seem to take my payment or know where this debt is. If someone can provide me a phone number to call to make this payment I will, but how am I supposed to pay a debt I never even knew about until recently and when no one has any idea about it and no one can 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 explanation
Consumer complaint received 2022-10-13
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: Account information incorrect

Complaint:
And accordance with The Fair Credit act XXXX account name and number has violated my right 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 602a I have the right to privacy 15 USC 6181 section 2 604a also States a consumer reporting agency cannot purchase a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America XXXX should be reporting a XXXX balance! This was a purchase money 2nd loan. Per California Code of Civil Procedure Section XXXX Cal . Civ. Proc. Code XXXX. States the following : No deficiency judgment shall lie in any event after a sale of real property or an estate for years therein for failure of the purchaser to complete his or her contract of sale, or under a deed of trust or mortgage given to the vendor to secure payment of the balance of the purchase price of that real property or estate for years therein, or under a deed of trust or mortgage on a dwelling for not more than XXXX families given to a lender to secure repayment of a loan which was in fact used to pay all or part of the purchase price of that dwelling occupied, entirely or in part, by the purchaser. 
I have submitted my demand to the creditor and bureaus and have not gotten this issue rectified. Correct this error immediately or delete this account off my credit file!!

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 2022-10-13
Company: Experian Information Solutions Inc.
State: PA
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:
on XXXX XXXX I send in dispute letters to all three credit bureaus stating there was incorrect information on my credit report from XXXX XXXX XXXX  about late payments from XXXX and XXXX XXXX. Then I reached back out to them on XXXX XXXX and nothing.

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