BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to the branch to withdraw {$1100.00} and the branch manager was at the teller area when it was my turn in line. She asked me how she could help and I asked to make a withdrawal of {$1100.00} as I handed her my ID. She asked me if I had a debit card and I said that I did not because I didn't have a checking account there. She asked me what brings me " up this way '' and I said that I work in XXXX XXXX ( a borough in PA less than XXXX mile away ). She asked me for my full social security number and I gave it. She tired sending me a code to a phone number that wasn't on my account ending in XXXX - XXXX explained that I didn't open the account at Citizens, that it was bought by Citizens from XXXX and it must have been from a legacy system when they did the transfer as it was my parents ' phone number when I was a kid. I asked her to complete the authentication procedures so I could make my withdrawal and be on my way. She said she couldn't. I asked why not and she said she didn't have to explain herself to me. I asked her why a drivers ' license, full social security number, and account number wasn't sufficient and she said she doesn't have to explain her system to me. She said that I had no signature on file. I said that I know I did because I had signed transaction slips there before and that I know they take electronic images of multiple checks I deposited there with my endorsement on the back. She said my behavior was abnormal and I said there's nothing abnormal about it and I said she needed some better training. I asked to speak with her boss and she refused. She later said she had no way to contact her/him. I said that wasn't plausible and then she said that she could put a request in for me to be called back. I asked her to do so. She asked for my phone number and I gave it. She then said I'd be called back in XXXX hours. I said that wasn't acceptable as I wanted a single-visit resolution to the issue. She said that isn't how it works and that she won't do the withdrawal. She then kicked me out of the branch ( and I left ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023

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 2023-05-04
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 information incorrect

Complaint:
An agency I had never done business with is reporting on my credit report. No previous communication has ever been conducted with this company and no previous terms and conditions has been provided to me on this debt. 
These errors are in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Credit Billing Act ( FCBA ), the Truth in Lending Act ( TILA ), and 15 U.S.C. 1681 ( e ) ( b ). I am requesting that these errors be corrected and that my credit report be updated accordingly.

Under the FCBA, I have the right to dispute any billing errors on my credit card statements, and under TILA, I have the right to receive accurate and complete disclosures about the terms and conditions of my loans. If any of the disputed items are related to billing errors or inaccurate loan disclosures, I am requesting that these items be corrected or removed from my credit report. Please note never had any business with these company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
After review of my reports in XX/XX/2023 I notice accounts that were incorrect and untrue. I disputed the information in hopes of some clarity. Ive never received any mail nor correspondence of an investigation nor its findings, within 35 days i attempt more answers. I sent another letter explaining how my rights have been violated and i also submitted an FTC report because this is a clear identity theft situation, i asked to block this account within the four days allowed by law and as of today Transunion has failed to comply to the govern laws that are applicable to this company. XX/XX/2023 complaint ID XXXX was my 3rd attempt to block information in accordance with 15 usc 1681c-2 on my consumer report within the grounds of the law and still the violations exists. Please remove delete and or block XXXX fraudulent information for my consumer report. 

CC : Attorney General CC : 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 2023-10-03
Company: Global Lending Services LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Global lending I had a passed due balance of XXXX 3 months behind I asked for deferred payments because I lost my job and I have a XXXX XXXX XXXX child. Nobody gave me a chance and I was being pressured to still pay the balance. I was NEVER warned that the car was going to be picked up for repossession. I woke up and my car was gone I was told that I had time pay off the balance so I can get my car back. I Called the car lot and the car was sent to the auction weeks from the actual date so I can get it back. it was sent off XX/XX/2023. the action date was XX/XX/XXXX. I had until the end of XXXX. this is ridiculous and unfair to me. now the car went to the auction and now I have a closed account with repossession on my credit report. I lost my job and I have a XXXX  I am currently struggling financially with only receiving with XXXX $ from unemployment and I have rent to still try to maintain. This is terrible and I feel like they have scamming tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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: Investigation took more than 30 days

Complaint:
my rights were violated, XXXX still is reporting a bankruptcy and a late when the company updated saying that information is not true. the XXXX account is reporting closed but its open. Transunion and XXXX are reporting its closed as well. Transunion has a fraud alert in which i asked several times to remove, XXXX are reporting fraud inquires

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 2023-01-26
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
For years I have been unable to obtain my free Experian credit report on XXXX. I receive the message, " A condition exists that prevents Experian from being able to accept your request at this time ''. When I have contacted Experian they offered to send me a report by mail or suggest that I access the report on their own website. The mail takes time and isn't secure. Their own website attempts to sell me services that I'm not interested in. They haven't provided a solution to fix the actual issue. Most recently when I tried to contact them I was unable to get past the automated system. There wasn't an option to reach customer service.

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 2023-10-08
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
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:
This auto loan was opened while I was in Bankrupcy XXXX XXXX. This was done without my knowledge

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 2023-01-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Someone called me from the XXXX XXXX and it was the phone number on their government website, so I believed them. They asked me to download the " Any Desk '' app, accessed everything on my phone, asked me to take a selfie to confirm my identity, asked me to say my name, XXXX, and address, and log into my bank accounts and share my balances. They told me that someone stole my identity and that if I didn't share this information, my accounts would all be seized by the government because someone was laundering money and drugs under my name across borders. I now know this isn't true, but in the moment, I was scared and complied. They got into all of my bank accounts, credit cards, emails, and passcodes through my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am trying to clean my credit report and I am informing that the account XXXX in the amount of {$1600.00} and account XXXX in the amount of {$4800.00} are not my accounts. I have been a victim of identity theft and have no recollection of these accounts. Consumer Law SECTION 605 A 15 U.S. CODE 1681 C-1 states : The banking system is dependent upon fair and accurate credit reporting.

SECTION 605 B 15 U.S. CODE 1681 C-2 states : a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate ; block of information reported as identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: TDS Financial LLC
State: AZ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have got multiple threats and calls from a place called RR Solutions based on in California from a number XXXX. They have called my place of business and told my job they are trying to serve me papers because of debt that I owe from a college back in 2016 for the amount of XXXX. I have called that school and they don't know what I am talking about. I have also called my student loan company and they have told me they haven't sold my student loans to a third party and when I tried to explain that to this company and asked for a letter of proof they were verbally abusive and told me they are going to take my car and I'm going to owe them thousands of dollars for XXXX years. The person said her name was XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-04
Company: CCF Intermediate Holdings LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX with speedycash. {$300.00} is the amount taken out and this was not me. I have had this happen multiple times with these payday loan companies, and none of what was taken out was done by me! Please help me fix this, I have no idea where to start or who to contact. It is affecting my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Re : Target RedCard Every time I call the person on the phone refuses to give me a call back number, their name, an employee ID, or anything that they as an employee can be identified by. 
I have attempted to cancel my target card on multiple occasions. I will be placed on hold for 10+ minutes for someone to eventually end the call without actually canceling my card. The last time I attempted to cancel this card I discussed my frustration and was assured the card was cancelled. I requested an e-mail stating this and they reported that they could not do this but I would be mailed the termination letter. Well, I received a letter from target today stating my card was being upgraded to a XXXX. All I want is to cancel my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Early Warning Services, LLC
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Date : XXXX Zelle scam sent {$390.00} to a XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX said it was authorized ( unfortunately it was not yet the transaction still happened. My phone was hacked and the transaction went through. ) the bank refuses to fix the problem because they see it as an authorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2023-10-13
Company: CRED Technologies dba cred.ai
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: Card was charged for something you did not purchase with the card

Complaint:
On XXXX a transaction of {$7.00} was recorded on my account and on XXXX a transactions of {$68.00} was made on my account. On XXXX I asked cred.ai for all information about the merchant demanding these funds.I asked for purchase agreement and or item description and delivery dates of the items .cred.ai only provided the phone number of the merchant.I myself have tried to contact this merchant by phone and the number is disconnected I tried contacting them by email and can not. Then on several occasions have tried to contact cred.ai and inform them of this with several phone calls and emails to resolve this matter.let them know I did not make, authorize or purchase any type of item or service from this merchant or vendor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: MOHELA
State: WV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My XXXX  credit report states that MOHELA is reporting Completed investigation of FCRA dispute - consumer disagrees in the " comment '' section of my student loan account. I am unfamiliar with the dispute which MOHELA is referencing. I do not dispute the account information listed on my credit report. 

It should be noted that this is a recurring issue. I have gone to great lengths attempting to resolve this problem directly with MOHELA and XXXX. MOHELA stated in an email to me that it submitted a request to XXXX to remove the comment on XXXX XXXX XXXX and that I should expect an update within five business days. That email is attached. I have attempted to resolve this issue with XXXX directly to no avail. 

I previously filed a complaint against MOHELA and XXXX with the Consumer Financial Protection Bureau on XXXX XXXX XXXX  concerning this issue. The complaint number was XXXX. I also previously filed a complaint against MOHELA with the XXXX XXXX XXXX MOHELA responded to my complaint with the XXXX XXXX XXXX  on XX/XX/XXXX. That response indicated that a request was submitted to XXXX on XX/XX/XXXX, to remove the comment. This response is attached. 

I withdrew my complaint against MOHELA and XXXX with the Consumer Financial Protection Bureau because the comment was removed from my XXXX credit report ( for a time ). However, I accessed my XXXX credit report today, XX/XX/XXXX, and discovered that the comment has reappeared. I obtained my XXXX credit report directly from XXXX itself, rather than a third-party app such as XXXX XXXX XXXX I would like this comment removed from my XXXX credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have credit protection on my Navy Federal credit card. I have been denied access to the credit protection program team. I have made multiple attempts to contact. I have received paperwork but can not get access to the team to give them information. Navy Federal has emptied my bank accounts and have threatened legal action if I dont pay. Even today ( XXXX ) I was not transferred to the correct team. I was only asked if I was refusing help. I answered the question more than once that I wanted to use my credit protection account. I am seeking help. Im still being denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: NY
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 pen this with an overwhelming mix of distress and anger that any person in my situation would feel. I am utterly appalled by the shocking and unjust refusal of my identity theft claims by your bureau, despite the fact that I have provided concrete evidence in the form of an FTC report. Let 's not mince words here : the fact that you have chosen to ignore my legitimate claims is not only infuriating but also an affront to justice. I have been victimized by identity theft, and the toll it has taken on my life, my financial stability, and my emotional well-being is immeasurable. The Federal Trade Commission ( FTC ) has recognized the validity of my claims. I have taken every possible step to follow the proper procedures, and it is inconceivable that your bureau continues to ignore the law and my rights as a victim of identity theft. I want this account removed from my file : 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