BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-02
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I had a mortgage with XXXX XXXX which ended up with a modification through XXXX XXXX XXXX, which intern sold the mortgage to XXXX.
In XXXX I had to file bankruptcy ( Chapter XXXX ) due to a law suit. The bankruptcy was discharged in XXXX of XXXX, The mortgage was not a part of the bankruptcy and my payments to XXXX were made on time consistently. In XXXX of XXXX I contacted XXXX as I noticed my payments and history were not being reported to the credit bureaus. I told them that the bankruptcy was discharged and was told they have 60 to 90 days to stop the " code '' hold on reporting.
Now I am applying for a reverse mortgage, I can not reach XXXX directly, there is a " code '' on my loan number that automatically transfers me to a third party which will not release ANY information to me, no accounting of my loan, no loan statement nor a mortgage payoff amount, and they still tell me they have 60 to 90 days to change this.
There is NO obvious reason why I can not obtain a written accounting of my loan payments and a statement. The only reason I can envision is they DO N'T WANT ME TO HAVE THIS INFORMATION so the can keep my 40 year loan at the high rate of interest.
This is impacting my credit score and preventing me from getting a mortgage as I need a loan statement with the loan number and the institution to apply.

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 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2019-02-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Purchased used car from XXXX on XX/XX/XXXX. The total price was {$15000.00} with no money down. Included in this purchase price was {$3100.00} for an optional XXXX XXXX. 

I canceled the XXXX XXXX on XX/XX/XXXX. I've called XXXX XXXX to confirm that the optional warranty was canceled. 

XXXX needs to refund back the {$3100.00} to my lender Wells Fargo. Since my cancellation I've made my 6 payments on time. Since this {$3100.00} represents about 20 % of the principle, I'm paying interest on a warranty I don't have. Based on the 20 %, I've over payed about {$100.00} on interest so far. 

I've spoke with XXXX several times, XXXX XXXX and Wells Fargo.

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 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I am writing to lodge a formal complaint against XXXX XXXX XXXX for their consistent and egregious violation of my consumer protection rights. Their disconcerting pattern of presenting resolutions and subsequently failing to enforce them has severely undermined my confidence in their ethical conduct and commitment to regulatory compliance. 

Issue at Hand Account Details : Principal Name on the Account : XXXX XXXX Severe Impact on Credit Profile : The gravity of the situation can not be overstated. XXXX XXXX 's repeated negligence and disregard for my consumer protection rights have directly contributed to a precipitous decline in my credit profile. What was once a stable credit score of XXXX has plummeted below XXXX due to their actions. This adverse impact compromises my financial standing and casts doubt on XXXX XXXX 's commitment to consumer rights and regulatory adherence. 

Pattern of Broken Promises and Credit Consequences : Throughout this ordeal, XXXX XXXX 's pattern of proposing resolutions, only to renege on their commitments, has inflicted irreparable harm. This sequence of events has not only revealed negligence but has also underscored the severity of their inability to fulfill their obligations, resulting in the compromised state of my credit profile. 

Possible Violations Potential Violation of Fair Credit Reporting Act ( FCRA ) : The sustained presence of erroneous and detrimental data on my credit profile, despite their proposed resolutions, could constitute a violation of FCRA Section 623 ( a ) ( 8 ), which mandates the prompt correction or removal of inaccurate information from consumer reports.

Potential Violation of Consumer Financial Protection Act ( CFPA ) : The persistent pattern of proposing resolutions without subsequent enforcement, combined with negligence in upholding cease and desist orders, might constitute a violation of CFPA Section 1036, which prohibits practices that are deceptive, unfair, or abusive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 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

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 2023-04-19
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
To Whom It May Concern : I am writing to file a complaint against The Huntington National Bank. Last week my account was compromised into and money was stolen, through XXXX, to someone that I do not know. The transactions took place between XXXX XXXX and XXXX XXXX to a person named XXXX XXXX, XXXX. These transactions were completed without my knowledge or my authorization. When I awoke the morning, I saw notifications from Huntington telling me that there were names added and deleted from my recipient account. I am not familiar with these names nor would I have sent someone I do not know money. I contacted Huntington Bank on Friday XX/XX/2023 and let them know that there were fraudulent transactions on my account. They advised me to close the account, file a dispute and open a new account, which I did on the XXXX. I went to the XXXX Police Department on Friday XX/XX/2023 and filed a police report, which I provided to Huntington along with the email notifications that I received regarding the transfers. Today, XX/XX/2023 I was informed that my dispute was denied. The reason for denial is " consistent with previous behavior ''. I have a list of five people in my recipient account that include FAMILY only. XXXX XXXX is not a family member nor do I know him. I have, on several occasions called Huntington Bank, to let them know that I do not know this person and the charges are fraudulent. I have been hung up on, told that I DID IN FACT SEND THE MONEY and lied to about getting a credit back. It is illegal to steal money from someone's account without his or her knowledge and I do not understand why Huntington is treating ME like the criminal when I have done nothing wrong, I want Huntington Bank to be held accountable for the fraud that took place in my account. I should have been notified that there were many transactions taking place in the middle of the night. XXXX needs to be regulated so that others do not have the same thing happen to them. Unfortunately, through my research I have seen the millions upon millions of dollars that have been lost due to phishing and scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have been an American resident since XX/XX/2022, I opened my first bank account with Well Fargo Bank and by their decision they closed my account and they have not given me the funds, I have contacted the loss prevention office 3 times and I they say that they have the right to give me the funds when they decide and I need those funds for my family, they have sent me 3 emails postponing the closing date of the 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 2023-07-11
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XXXX XXXX I sent out letters to the credit agencies to try to fix my report and nothing was changed. I sent verification as well.

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 2015-09-30
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I refinanced my previous loan with One Main Financial back in XXXX & I lost my job at the end of XXXX. I had been at my job for almost 5yrs. I had a payment due in XXXX & I immediately start receiving calls & I stated my situation but the calls persisted. While trying to obtain other employment, I was open & honest about my findings nut the calls got more frequently. I 've talked to several employees there but they started to get very unprofessional with their tone of voice, tactics & eventually threatened to sue plus continue to call. I 've gotten XXXX calls in XXXX day leaving messages & getting calls from different numbers at all times of the day & well into the late night harassing me. I answered strange numbers thinking it was an employer contacting me about a job & it turns out being them. I had just received a call from an unfamiliar number & it was them calling me stating I was n't being financially responsible, insisting on me selling my household items to pay them by tomorrow or they was threatening to sue. This type of behavior is uncalled for, irritating & very frustrating when I 'm putting forth every effort to find employment so I can take care of my financial responsibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to file a formal complaint against Equifax XXXX XXXX regarding their credit reporting practices, specifically concerning discrepancies in the information they report compared to other credit bureaus, as well as instances of unauthorized inquiries and accounts appearing on my credit report. These issues have had a detrimental impact on my credit score and financial well-being. 
I have diligently monitored my credit reports from various credit reporting agencies, including Equifax XXXX XXXX, and have noticed significant disparities in the information they report compared to other major credit bureaus. This inconsistency has resulted in an inaccurate representation of my creditworthiness and has adversely affected my ability to secure credit and financial opportunities. 

Furthermore, I have identified instances of unauthorized inquiries and accounts on my Equifax XXXX XXXX credit report. These inquiries and accounts are not only erroneous but also potentially damaging to my credit profile. I have not authorized or engaged in any financial transactions or agreements that would warrant the inclusion of these items on my credit report. 
I have taken appropriate steps to dispute these inaccuracies and discrepancies with Equifax XXXX XXXX directly, but my concerns remain unaddressed, and the issues persist. As a result, I am left with no alternative but to escalate this matter to the Consumer Financial Protection Bureau for further investigation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: General Motors Financial Company, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
1. GM FINANCIAL I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX  XXXX XXXX  XXXX Balance : {$420.00} XXXX  XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$420.00}

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 non-monetary relief
Consumer complaint received 2019-02-14
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This loan was taken out in XXXX for roughly 10093 dollars, which is currently at 28000 dollars roughly. At no time did the school tell me this was a private loan when we was going through the process. I was told this was standard. First time ever taking out a loan. Did not know until XXXX that this was a private loan when the information started coming in the mail. Tried to fight this by calling Navient with no help. It was either pay or this will go on your credit, which it did. I was finally able to get someone to seen me documentation in XXXX about this promissory not. No where on the application says anything about this being a private loan. On a separate piece of paper, without my signature, saying this is a private loan. The only signature on the document is from a person at the school. I was completely mislead by XXXX XXXX and been trying to get this fix with Navient for 9 years now. Finally gotten some where by getting this website to fill this paperwork out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This information is inaccurate and reporting on my credit report. XXXX and XXXX are not reporting this false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: MS
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-06
Company: EQUIFAX, INC.
State: NC
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:
I have received a copy of my credit report and it shows company XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$5000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation