BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-01-31
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My father in XXXX died in XX/XX/2022. My mother in law could no longer afford the payments so both parties ( her and me ) decided that I ( son in law and daughter ) would assume the XXXX XXXX. Per XXXX  guidelines it should have been an unrestrictive transfer due to death and take no more than 30 days. We have been trying to assume this loan since XXXX and it is almost XXXX now and the last email we received is they are reviewing the paperwork and will make a decision soon. Every time I call them that is what they say. They state they don't need anything from me. It has almost been 6 months. I am already living in the home and am making the payments on the loan but this company is not following loan and time guidelines. The company is XXXX XXXX. Loan number that I am trying to assume is XXXX. XXXX XXXX is on the loan ( Deed of Trust ) and my name is XXXX XXXX. I am 100 % XXXX veteran and they stated they are also trying to figure out if they can charge me a VA funding fee. Which Me and you already know they can't per VA guildelines since I am 10 % or more XXXX. I just need someone from your agency to give this lending institution a little push to do their jobs correctly. I am a retired XXXX and now am a XXXX XXXX  and XXXX XXXX for the state of XXXX. I can get a client approved for a loan and close on a home in XXXX XXXX. It shouldn't take XXXX  months to assume a loan. Thanks for your help in this matter. Semper Fi!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
On Thursday XX/XX/XXXX a notice was posted about Navients AG Settlement. According to the guidelines on the Navient XXXX settlement website, section 9 of the web pages states " Who is eligible for private loan debt cancellation? '' and in that section it states that one must : 1 ) Have taken out sub-prime loans through XXXX from schools listed on the site between XXXX and XXXX XXXX ) Have fallen behind on payments by more than XXXX months at some point before XX/XX/XXXX. The settlement ended on XX/XX/XXXX. Going off both of those guidelines, I was told that I didn't qualify due to the fact I was never in default. My accounts were opened in XXXX of XXXX and XXXX of XXXX with XXXX XXXX at the XXXX XXXX XXXX XXXX, owned by the XXXX at the time. According to my credit reports back then, I have defaulted into charge-off status in XXXX, right after the separation of XXXX XXXX and Navient XXXX and been in delinquency along the way til now, which indicates that I qualify for the private debt relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I recently received a letter from Wells Fargo auto stating that I owed {$1700.00} by XX/XX/XXXX or else they would reposses my vehicle if I didn't pay. I sent out written correspondence disputing the allegations, but I have not received any response yet. I don't have any contracts with Wells Fargo auto and I demand that they remove any encumbrances or liens from my property if there are any. They are attempting to steal my vehicle by theft and violate my rights. I have been a victim of identity theft in the past and this seems to be one of those situations. I paid cash for my XXXX XXXX XXXX and do not owe Wells Fargo anything because they never gave me anything of value.

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX 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. Please update or remove the following inaccurate items in my report : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-30
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was not aware Navient was my student loan provider, nor that my loans were considered to be XXXX different accounts. As a result they reported me late and my credit was tarnished pretty badly. I am on good terms with them now but I want them to remove the late marks as I was not aware and it did even more damage than I knew was even at stake

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 explanation
Consumer complaint received 2021-11-30
Company: VW Credit
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
To Whom It May Concern, On XX/XX/2021, an automatic scheduled payment to Volkswagen Credit XXXX. was debited from my bank account. I didn't realize another unauthorized charge had already occurred, rendering my account {$40.00} short of the full VW Credit lease payment amount for that month. Though I made the deposit in time, the automatic payment was ultimately returned on XX/XX/2021. 

On XX/XX/2021 I logged onto my VW Credit account and scheduled a one-time payment to satisfy my XXXX payment, which finally cleared my bank account on XX/XX/2021. After observing the debit from my bank account, I thought everything had been taken care of and didn't feel it was necessary to contact VW Credit. 

On XX/XX/2021 I received an alert from my bank that another attempt was being made to debit my monthly lease payment for XXXX by Volkswagen Credit. Since the payment was already satisfied on XX/XX/XXXX, this additional ACH authorization put my bank account at a pending negative balance. I immediately contacted the customer service line for VW Credit XXXX and was told by their support specialist that they couldn't stop this additional ACH authorization, even though my XXXX payment was already satisfied. 

I then asked to speak to a manager who informed me that their hands were indeed tied and I'd have to contact my bank to place a stop payment. I even uploaded an official letter addressed to VW Credit, stating that I was revoking authorization for an ACH debit from my account. The manager at VW Credit again stated that even though they could see that my XXXX payment had been satisfied, they were without the ability to do anything about this transaction and couldn't guarantee that this automatic payment wouldn't be attempted a XXXX time at a future date. 

Since neither the specialist nor manager from VW Credit could assist me, I asked to have the contact information for their executive office, so that I may file an official complaint. The manager refused to provide this information to me, stating that they would provide their corporate office with my information and that I would be contacted within XXXX to XXXX business hours. So, in the meantime, though I did my best to ensure my XXXX payment was provided to VW Credit, I'm now left without any available funds in my bank account, due to their inability to cancel a pending automatic payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-16
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have been trying since XXXX to register my car in the state of XXXX. In order to register my car XXXX XXXX needs to send the title to the state I am registering it in. 

On XX/XX/XXXX XXXX XXXX confirmed that they have the title. We requested for it to be mailed to the local tag agency. XXXX XXXX said it would be XXXX - XXXX business days for them to send it to my local tag agency. Numerous other calls for the title were made on XX/XX/XXXX, XXXX and XXXX, XXXX to no avail. Each date I was told it had been mailed. 

XX/XX/XXXX XXXX XXXX stated that they have not mailed the title due to an internal paperwork issue and it may be XXXX business days before it can be resolved. On XX/XX/XXXX they are now saying the paperwork issue still has not been resolved and it will take XXXX business days. 

I do not know what to do at this point. XXXX XXXXXXXX XXXX  special agent said he/she can not talk directly with their title department ; there isn't a number for a supervisor ; they have no complaint department ; and no email or fax. 

Due to the continued misdirection from XXXX XXXX I request that CFPB investigate and the title be XXXX  to the local tag office expeditiously.

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 2023-01-16
Company: Jon Barry and Associates, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They left 2 voicemails stating they had called from a debt collection agency without confirming any information of mine, which is a HIPPA violation. They also called me 2 times in 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2020-06-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
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:
USAA Savings Bank has reported me as deceased, I am not DEAD Fix my 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 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
on XX/XX/XXXX I sent a letter to XXXX, transunion and XXXX to dispute a XXXX ( Account Number : XXXX ) its been more than 30 days and they have not responded also they are reporting inaccurate information on my report. I have not gave permissible purpose for this account to be reporting on my report. under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave XXXX, transunion and XXXX any written consent to report anything on my consumer reports no consent is FRAUD .I demanded to see verifiable proof with my signature on a contract and written consent I gave XXXX, transunion and XXXX to report for the account listed below on my consumer report. and they never did they had 30 days and did not XXXX ( Account Number : XXXX ) also it is reporting inaccurate information says there is a balance but I have receipt that the balance was already paid

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 2022-02-10
Company: U.S. BANCORP
State: WA
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:
I had been searching online for an engagement ring for months, and found a reputable company that had stellar reviews and seemed like the best option. So now that I made that decision, on which company to go to for an engagement ring ; now to choose the ring. 

I put together the setting, the diamond and then other options associated with the ring and it came to a total of about {$9800.00}. I obviously didn't want to let my soon to be fiance to see the purchase and so I wanted to put it on my credit card that had a limit of {$10000.00}. I had more than double that amount in my joint savings account ( that was with the same bank ) and about half of that in an account at another bank.. 

The transaction ( not surprisingly ) was blocked by fraud, so I contacted them to allow the transaction and get the process going for my ring. 

I got the run around, I spoke to about XXXX different " fraud specialists '' in XXXX different " fraud '' departments at US Bank. All telling me that I needed to speak with this OTHER department. Turns out, from one fraud specialist, that US Bank doesn't like people buying jewelry on their credit cards. So they closed my account, no questions, nothing. They just closed my account, I have worked for years at rebuilding my credit, and this was not a new account, and now they closed my account. AND I had over {$200.00} in cash back that I didn't cash out yet, that now they're keeping. 

And now they say that they can't reopen my account, that I would have to reapply. This is ridiculous, I understand that a bank can close an account at their own will, but there has to be some sort of protection on this. All because I tried to buy a piece of jewelry, and that is not in any of their customer agreements, not to mention that I had more than double that in a savings account at the same bank. This is going to hurt my credit, this was my largest credit card.

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 2018-07-21
Company: ERC
State: CA
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:
I am a victim of Identity Theft. Please remove the account from all three credit bureaus immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Volvo Car Financial Services U.S., LLC
State: PA
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:
USC 1681, SECTION 602, I have the right to privacy.

USC 1681, SECTION 604, SECTION 2, States a Consumer Reporting Agency can not furnish a report without my written consent. 

USC 1666B, A creditor may not treat a payment on a credit card account under an open-end credit plan as late for any purpose. 

Volvo the lease is over car returned XX/XX/XXXX and they are reporting late. 
XXXX XXXX XXXX XXXX XXXX XXXX, I paid the car off during covid and asked XXXX to remove such reportings and they said no. 
XXXXXXXX XXXX during XXXX I had arrangements and all debt is paid and they continued to report. XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Experian Information Solutions Inc.
State: FL
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:
XX/XX/2022 Good day- I would like to inquire on how/why there is a balance with XXXX XXXX. I sent in several letters that indicate that this was fraud. 
You removed it off my credit file. 3 years later you tell me its had been validated and its not fraud. No one can tell me why its not fraud, can not send me anything with my original signature, on even a charge but its still on my report with an open balance. 
Can you explain how can something be charged off and have a balance? If its charged off then it was then written off as bad debt by the company and in this case it would be XXXX  XXXX. SO if its written off by XXXX XXXX, why am I showing a balance on something that was already written off the companys profit and loss statements? Im in the process of looking for a place to live and they pulled my credit report, and it was denied due to XXXX XXXX. 
So Experian is not actually verifying the legitimacy of the reporting, they are basically relying on the furnisher to ensure that this is correct. THE FCRA compliance bulletin XXXX requires hat furnishers conduct a investigation of disputed information. How can this have been completed if it still is not Metro 2 compliant? Can someone please let me know.

That is not the law.

If you look back, you can see that this happened, and it reappeared after it being removed. Per my research I should have received a 5-day re-insertion letter which was not sent or received, and by law it can not report on my report. REMOVE OFF MY REPORT AND SEND ME A NEE NEW REPORT WITH THE DELETION> Again, you are reporting this and its inaccurate. MY children and I will be on XXXX XXXX due to this lie and its crazy. You are supposed to verify all information, and this has NOT been verified or anything. This mistake is hurting my kids. Please correct this now. 

Please assist in removing this from my report.. 
Thanks 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 2023-06-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday, XX/XX/2023 I attempted to make an ATM cash deposit at the Citizens Bank ATM, with whom I have a checking account, in the amount of {$3000.00}. After inserting XXXX {$100.00} dollar bills the ATM machine malfunctioned and took all of the money I put in it but did not credit my account for any of the {$3000.00} that I deposited. I immediately contacted my bank and filed a dispute for the lost money and its been almost a full week now without even a temporary credit for the amount of the deposit. It was a substantial amount of money that I need to have access to pay my bills and rent but Ive had to go close to a week now without it and I havent gotten any recent updates from Citizens Bank regarding the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : ACCOUNT NAME, XXXX, Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX Inquiry Date : XX/XX/XXXX I did not authorize those employed by these companies to inquire and view my credit report. In addition, I did not give you ( Trans Union, XXXX, XXXX ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

XXXX XXXX XX/XX/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