BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-02
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I was appointed by the XXXX XXXX court to be my deceased father 's personal representative for his estate. Despite having presented Huntington Bank with the documentation from the court, including the court order to release my father 's bank accounts, they have not complied with the order or communicate with me regarding this case. 
I visited the bank twice in XXXX. I was told by the bank manager that the case had been referred to their legal department. During the second visit and email, the bank manager told me that he was no longer authorized to discuss the matter with me and that the legal department would be working with me. As of the filing of this complaint, nobody from Huntington has communicated with me. 

Brief Timeline Follows : XXXX XXXX XXXX XXXX father ) dies. As per law his assets go into probate until a personal representative can be appointed. 

XXXX XXXX XXXX XXXX appointed as personal representative via court order. 

XXXX XXXX XXXX XXXX visits Huntington bank as well as contacts bank manager via email. XXXX presents court order appointing him as personal representative and authorizing bank to release funds from father 's bank accounts. Bank manager reminds me that he's not authorized to discuss the matter and that their legal department would be " handling it ''. 

XXXX XXXXAfter continued silence from Huntington, I filed a complaint with the Attorney General 's Office . AG 's office sends a letter to Huntington giving them 10 days to respond to them and me with a proposed resolution. 

XXXX XXXXFunds remain inaccessible to me or XXXX XXXX-brother who held joint account with father. 

Currently awaiting a response from Huntington Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Experian Information Solutions Inc.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2021-09-29
Company: EQUIFAX, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX XXXX Account Number:XXXXXXXX  Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX  - Unauthorized Inquiry XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: LA
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 is 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have tried so many different ways to place a credit freeze on my TransUnion account. Everytime I call in, I have to get through what is probably the worst automated system on the planet and when I try to online, it says the status of my freeze is unknown and directs me to call. 

On the off chance I am able to get through, the customer service agents keep redirecting me around. I just want to be able to login and change the freeze status. IS that too much to ask for a stupid company that I am required to use for credit

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 2022-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I responded to the letter sent to me from Capital One in regards to a transaction that I did not authorize. The merchant had told me that my card was declined and the bank had even alerted me to fraud from this merchant ( I was not notified until I had cell phone service and that my card was eventually cancelled and a new one sent to my home ). I have tried reaching out to the merchant as I did not authorize these payments from my cards and someone else from my group had paid for the services ( which was also not provided with any receipt ). The bank is asking me to contact the merchant which I have tried to do but they are not responding to my phone calls. I have asked Capital One exactly how I can appeal this decision and this morning ( XX/XX/2022 ) I spoke with XXXX in transaction support and he told me the effectively I could not appeal the decision taken by the bank, that the onus is on me to produce receipts when I was not given any to begin with. I understand the necessity to ask for receipts, but I also know that the merchant does not have a signed receipt from me because I never authorized the transaction. I want to know what the bank can do to contact the merchants bank since the merchant does not want to communicate with me. The transaction date was XX/XX/2022 amount {$130.00} and the dispute with the bank is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I noticed Midland Credit was on my consumer report. I called and inquired if they own the debt of which they're requesting of me- they said yes. I then issued a dispute to the 3 major credit agencies and to Midland as well. I requested a wet signature that indicated a contract between me and Midland Credit, a chain of title, and the ledger for the debt in question. I didn't receive anything. I called Midland after the credit agencies said their dispute was completed and asked them why their information was still on my report and that they were in violation of FCRA 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( d ) ( 2 ) Exclusions. The term " consumer report '' does not include ( A ) any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; They are also in violation of 15 U.S. Code 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. They have not gotten permission and they have been advised to cease and desist any communication in relation this alleged debt. 
( b ) Communication with third parties They are also in violation of 15 U.S. Code 1692c which states Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. Again, they have not received my consent. 
All of these actions and violations from Midland Credit has caused me great distress emotionally and physically. They are oppressing me and can not provide me simply with the things that I'm requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the FCRA Section 15 USC 1692 ( c ) ( c ) : states that a debt collector may not communicate with a consumer in connection with the collection of any debt without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction1. The FDCPA was enacted to address the use of abusive, deceptive, and unfair debt collection practices by many debt collectors2. 

1. XXXX XXXX XXXX : XXXX : {$4100.00} does not owe this debt and company needs to cease communication with me and delete from my credit profile 2. XXXX XXXX XXXX  : XXXX : {$73.00} does not owe this debt : company needs to cease communication with me and delete account from my consumer report 3. XXXX XXXX XXXX : XXXX : {$4100.00} does not owe this debt and company need to cease and decease communication with me and delete account from my consumer report 4. XXXX XXXX XXXX : XXXX : Account is not reporting the right info and it violates my consumer rights pursuant 15 USC 1681. Info needs to be accurate, complete and relevant to be reported to a third party and the consumer reporting agency and the company did not receive authorization from me to report my experiences. Under 15 USC 1681 b ( 2a ) ( permissible purpose ) 15 USC 1028a ( criminal ) 15 USC 1681n ( civil liability ). this is grave identity theft and item needs to be revoved from my consumer report,

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 2023-02-14
Company: MOHELA
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2022 I submitted a new employment verification to receive credit for qualifying PSLF payments. The form was marked as a duplicate, and credit for my qualifying payments were not added to my account. I spoke with customer service, and he said they would reprocess the application. I told him I wanted to speak with a supervisor, and he disconnected my call. I had to wait on hold forever, and I confirmed with the rep that the document shows the correct date, employer info and etc. I keep getting a runaround with Mohlea. The document is visible in my account with accurate info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo / ASC wrongfully and illegally foreclosed on my home back on XXXX XX/XX/XXXX. Recently, I have read that in XX/XX/XXXX ; the CFPB has ordered Wells Fargo ( WF ) to pay several billion dollars in damages to consumers like myself. I have very solid documentation to prove all facts. I recently contacted WF with no positive results. 
Back in XXXX, I made 7 monthly payments on time under a trial loan modification. WF cancelled the loan mod and refused to accept the 8th payment. By contract, WF should have made the loan permanent after only 3 monthly trial payments. 
During the trial loan mod

, WF / ASC discovered 3 outdated and defunct liens on the property that I had not been aware of. These liens had been made legally and effectively irrelevant a few years prior due to the bankruptcy process I went through. So WF/ ASC requested I remove these liens. The local county courts do not make this a quick process, so it took several months. I stayed in communcation with WF throughout this process. These liens were never any threat to WF because WF was always
unquestionably in first lienholder position. Also, these liens were entirely outdated and ineffective. Removing these liens was only a legal formality ; though still a slow process. However, without warning or communication, the loan modification was suddenly cancelled on XXXX XX/XX/XXXX. The local courts had just finished removing all 3 liens just prior to XXXX XXXX. I immediately contacted WF and even though several WF representatives acknowledged that cancelling the loan mod was a big mistake ; they had no process in place to re-instate the prior loan mod and make the loan permanent. 
I fought this legally for more than 3 years but finally ran out of money to continue paying attorneys. Our family home was foreclosed on and I lost all the equity ( {$150000.00} ) I should have had in the home and my credit was severely damaged for many years due to the foreclosure. This all was so unnecessary and was a traumatic multi-year experience for my XXXX young children as well as myself. 
Furthermore, there was XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) class action lawsuit against WF / ASC where the Judge ruled strongly against WF for exactly this kind of conduct. Corvello vs WF. The Judge stated that not converting trial loan mods to permanent loans when the homeowner had made all required trial mod monthly mortgage payments was a clear FRAUD. He stated it was no different than agreeing to sell a wrist watch for {$100.00}, collecting the {$100.00} ; and then not actually giving the watch to the buyer ......

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 2022-12-30
Company: Experian Information Solutions Inc.
State: OH
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:
Disputed inaccurate account info with all three credit agency 's and they did not comply with disputes and did not remove accounts from credit report during disputes for inaccuracy 's. They did not provide appropriate documents for the dispute results or provide original documents with original debtor reports verifying my info or that I authorized my info to be published or sold to third parties or was responsible for said debts. They have violated my rights under the fair credit act to accurately display my info. 

The accounts in question are : Account name XXXX Account number XXXX Account name XXXX, XXXX. 
Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account info Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number 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 2023-04-15
Company: SYNCHRONY FINANCIAL
State: WI
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:
XXXX XXXX  Inquiry : XX/XX/2023 This account is a hard inquiry on my credit, and I never filled out for this. I called in try to explain to them that I never filled out for anything. They said they didnt even see me in their system.

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 2018-08-18
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/18 I disputed outdated info from XXXX on my credit report. Nothing ever happened. Experian refused to dispute the outdated info and continues to show it to this day. Experian never mailed me a letter stating my dispute was frivolous. Every time I call I can never speak to a human, I am automatically transferred to a robot, Experian is screening my number and transferring me to a robot that keeps me on hold forever. Experian told me XXXX pays them and I don't so they are going to display whatever XXXX sends them. I have no power in the matter even though the information is outdated and incorrect.

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 2023-07-20
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My complaint is the the debt collector keeps opening and then closing the account which continues to cause harm to my credit report. One month they will report the account as closed and then the next month they report it as open, this has gone on for several months and causes my score to drop everytime. This action is being taking without me doing anything on my end to trigger it. There are several reviews on XXXX from consumers complaining about the same thing. There is no reason why the account status should change from open to close from month to month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. i have notified the credit bureau and still they have not done anything to rectify my credit report.

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