BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting incorrect information on my credit report to Transunion. I have tirelessly contacted Transunion many times regarding this unverified debt. I have requested an internal investigation into a {$3000.00} debt that is being reported. Upon doing so, I contacted the XXXX XXXX XXXX and they are not able to share any information they have on the debt. I spoke to the manager on the week of XX/XX/2019 and she was not able to find my name under this debt or the apartment number it claims to be under. XXXX XXXX XXXX is aware of this problem and is unrelenting in removing this debt from the credit report. Transunion is the only credit company currently reporting it, but is also unable to find further information and details regarding the debt, even after the investigation period. This charge has stayed on my credit report and continues to be updated and harm my score through Transunion. The apartments and credit company have requested information I do not have to investigate properly. XXXX XXXX XXXX has not been able to prove my debt due to insufficient information on the case.

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX I submitted a dispute directly with my mortgage lender regarding my negative payment history reported in the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This dispute with my lender was resolved and communicated with each CRA to report accurately by overturning the negative payment status to a positive payment status for those 3 months. My credit reports were immediately updated per my lenders demand. 

Unfortunately, on XX/XX/XXXX after checking my credit report I saw my payment status were reversed back to being reported as negative payment history by TransUnion and XXXX despite the initial correction initiated with my lender. I immediately informed my mortgage lender, as well as, submitted online disputes with both TransUnion and XXXX for inaccurate reporting. Once again, my lender immediately contacted both CRAs which prompted my payment history to be corrected once again for the 2nd time. 

After, resolving this issue already by my mortgage servicer both TransUnion and XXXX went on to investigate my submitted online disputes. Thus, confirmed my credit report was updated by notifying my results to me via email from XXXX and regular mail from TransUnion. 

Again, after checking my credit report on XX/XX/XXXX I noticed TransUnion was the only CRA that had reversed back to reporting inaccurately as a negative payment history with my mortgage. 

After several disputes with TransUnion regarding this issue and habitual reversals of accurate information according to the law 15 U.S.C. 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to withdraw {$22000.00} from my bank account with Bank of America and even asked for a wire transfer or cashier check and was denied access. Instead, they froze my account without an apparent reason. They stated that '' needed to verify where the money came from '' even when I show them the evidence ( Bank statements and Deposit Slips ). By my account been frozen has cause me many issues since the closing of my house has been delayed jeopardizing the transaction and/ or at risk of been penalized. Also, I am receiving late fees from the automatic payments set up previously. I don't understand why the bank didn't reach out to me since the money has been in the bank for several weeks now. This action is very arbitrary and has no apparent reason to me that discrimination since I belong to a XXXX XXXX " XXXX ''. The customer service is really bad and all they said is I am sorry but don't even try to solve the issue. I believe as a customer I deserve a better service since the bank have been working with my money lending it to other people and making a gain on interest. This is my well earned money and need to have access to it whenever I need to.

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 2023-04-25
Company: ALLY FINANCIAL 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 information incorrect

Complaint:
XX/XX/XXXX : I purchased a XXXX XXXX XXXX at XXXX XXXX XXXX with the additional gap warranty coverages XX/XX/XXXX : XXXX XXXX XXXX refused to fix the XXXX connect panel burnt wires and/or swap out the vehicle XX/XX/XXXX : The vehicle was sold by the financer Ally Bank and a balance of {$12000.00} remains on my credit as a write-off and should be or needs to be paid by the security plus gap coverage insurance purchased XX/XX/XXXX ; the remaining balance should not be on my 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 2022-03-19
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ON MY CREDIT REPORT THEIRS AN ITEM REPORTING INACCURATE AND IS FRAUD I AM A VICTIM XXXX DATA BREACH IDENTITY THEFT AND MY INFORMATION WAS COMPROMISED I HAVE A CREDITOR # XXXX XXXX XXXX  ACCOUNT # XXXX ON MY XXXX REPORT I HAVE BEEN DISPUTING IT OVER 10 TIMES OR MORE OVER A YEAR NOW I HAVE MY CERTIFY RECIEPTS FOR PROVE AND THEY WON'T REMOVE IT. I DISCIDED TO MAKE A COMPLAIN DUE TO AM FRAUSTRATED, EMOTIONAL AND DISTREST BY THE SYSTUATION AND I HAVE BEEN DISPUTING IT OVER 10 TIME OR MORE, PLEASE I NEED HELP IN THIS MATTER I ALSO DISPUTED IT WITH THE CREDITOR AND I NEVER RECIEVE A RESPOND SO IT NEED TO BE REMOVE.

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 2018-12-28
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Waypoint Resource Group uses illegal spoofing practices to disguise their phone number on my caller ID. They attempt to call me frequently during all hours of the day, sometimes early morning before XXXX XXXX. They do not state what their business is or why they are contacting me unless I give them personal information about myself. When asked whether they are a collection company, the representative states that they are not. If they can not reach me, or if I don't answer their phone call, they then contact my fiance on her phone. On XX/XX/2018 at approximately XXXX, Waypoint Resource Group called my fiance on her phone with her caller ID showing my phone number when I was sitting next to her. If I wasn't sitting next to my fiance at the time, she stated that she would have answered, thinking it was me calling her. On XX/XX/2018 at XXXX, Waypoint Resource Group called my fiance on her phone. She did not answer. I have filed a complaint with the FTC against Waypoint Resource Group for their harassing phone calls, their illegal spoofing practices, and for continuing to contact both me and my fiance after they have been told to stop. The phone calls began in XX/XX/XXXX and are growing in frequency. My fiance and I no longer answer our phones if we don't recognize the caller ID.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I became XXXX XX/XX/2015, Been on total XXXX and receiving Social Security. 
I applied for student loan forgiveness and submitted all supporting documents sent by the XXXX XXXX XXXX XXXX to XXXX ( my student loan holder ). 
My application was received and accepted by XXXX and received notifactions from them that my sudent loan was dismissed in total due to my XXXX. XXXX still has not removed this from mum credit which has effected my credit score negatively. 
My student loan was accepted and approved through the XXXX XXXX XXXX XXXX XXXX XXXX. XXXX also notified me my application was approved, would be dismissed and removed from 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 explanation
Consumer complaint received 2022-03-19
Company: CITIBANK, N.A.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
I subscribed to a service XXXX XXXX from XXXX. I cancelled service in 2020. I received and still have an email from XXXX saying my service was cancelled XX/XX/ 2020. I find out they have been charging me since. Even after I cancelled and received a new card number. I call citi/best buy and they have me call XXXX. I do, no help. I enter the dispute process with best buy/ citi. 2 days later I get an email saying nothing they can do. I call customer service this morning and was hung up on 3 times before I was able to reach a manager, who told me she could give me a fax number. Who has a fax machine? I asked for email address or address to mail and was told their regulations don't allow that. This is a theft of at least XXXX at this point, from a company that makes billions.

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 2023-11-28
Company: Experian Information Solutions Inc.
State: GA
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:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue.

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 2023-11-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am reaching out urgently to address critical issue involving fraudulent personal information and unauthorized inquiries linked to my identity. Upon a careful examination, I've discovered certain accounts and transactions falsely linked to me, without my authorization. This situation has caused me considerable distress and raised significant concerns.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: Navient Solutions, LLC.
State: DC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Navient solutions violated XXXX title XXXX XXXX. XXXX. During the 30 day validation period the consumer was unable to verify such debt claims due to lack of sufficient evidence. The original contract with the red ink wet signature was not rendered. However, Navient sent a promissory note that did not bear the original signature of the consumer. Consumer clarified that the signature did not belong to him. In conclusion consumer will litigate Navient for fraud, tax invasion, harassment, violation of XXXX, Violation of FCRA and violating special deposit. Affidavits of fact were sent to Navient under special deposit with special instructions of which instructions were not followed. By law this results in breach of contract. XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. Navient is also violating a cease and desist that was sent to them. I request that you audit Navient for such violations. This complaint serves as evidence and will be applied to the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this debt XX/XX/2022 with all three credit reporting companies and they say its a valid debt and I say its not. They give no reasoning on how they determined that it is a legitimate debt other than to say I have to contact the company. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Suntrust. It originated with BB & T, but is now serviced by Suntrust ( Truist ). Originally, my wife and I were co-borrowers. Several years ago, my wife and I divorced. She relinquished all ownership rights to me in the divorce and now the title/deed is in my name exclusively. Earlier this year, my former wife filed bankruptcy and included this mortgage. I continued to pay the mortgage just as I always had. I called Suntrust 's bankruptcy department on three occasions as the bankruptcy was in process. On all three occasions, the representatives told me to simply continue making the payments and once my ex-wife 's bankruptcy was discharged, Suntrust would remove her name from the account if I would call and request it. The bankruptcy was discharged in XXXX. In late XXXX, I called to make this request. The bankruptcy department told me that a different department would have to make that change. They transferred me to the " appropriate '' department. The representative in that department first told me that it was impossible to remove her name from the account. After arguing with me about it for 10 minutes, he finally told me that I must refinance or assume the loan. He transferred me to someone else that could explain the assumption process to me. This third person went on to tell me yet again that the only way Suntrust would remove my ex-wife 's name from the account is through a refinance or an assumption. She recommended that I do an assumption, but I would have to pay closing costs. At that point I stopped her and reminded her that with my ex-wife 's bankruptcy being discharged, it is now impossible for Suntrust to attempt to collect from her. So in essence, I had already assumed the loan and I was not going to pay to have the name of a " collection-proof '' individual removed from the account. And moreover, there is no " closing '' to be done since the title/deed is 100 % in my name now. The representative went on to say that Suntrust would not proceed without me paying these closing costs. 

This is in direct contradiction to what all three of the representatives working in the bankruptcy department told me, and in direct conflict with logic and reason. 

Also, the way they are reporting this debt on my credit report recently has lowered my credit score materially in spite of the fact that the bankruptcy has nothing to do with me and absolutely no payments have been late. 

I want Suntrust to do what I was told they would do and remove my ex-wife 's name from this account. I also want Suntrust to change the way they are reporting this account to the credit bureau ( s ) to return my score to what it was prior to Suntrust taking over this loan from BB & T.

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 2023-11-28
Company: Experian Information Solutions Inc.
State: NY
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

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 2023-11-28
Company: Experian Information Solutions 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 respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: Payward Ventures Inc. dba Kraken
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
1. opened an account with Kraken XXXX XX/XX/22 XXXX submitted my credentials like photo ID etc and linked my XXXX XXXX account ( I have a screenshot ) 3. Same day I purchased crypto currency at the amount of XXXX XXXX XXXX $ and used my linked bank account. Kraken charged XXXX $ transaction fee and credited my account with the crypto. 
4. XX/XX/22 I wanted to add additional XXXX XXXX $ but due to the max amount of XXXX XXXX $ it was only possible by wire. 
5. I wired XXXX XXXX $ from my XXXX XXXX account which was not credited for a couple of business days.

6. customer service told me that it will take additional time to process ( I have transcript ) 7. After 8 business days ( from the wire ) I receive an email from Kraken stating that they want me for undisclosed matters close my account. In order to return my wire I should provide bank statement.

8. I refused to disclose my personal bank transactions via a statement and after 3 email exchanges they returned the wire which was not the full amount but close 9. Kraken asked me to sell my crypto in the account to return my balance, I refused because I have paid XXXX $ commission but I offered to transfer my crypto into my ledger wallet and them I am happy to close the account.

10. Kraken refused and insisted to sell my crypto on their exchange in order to close my account and return my money Here is my complaint : It is understood that these exchanges need to be careful to be in compliance with rules and regulations. If they consider that my account is suspicious why did they accept the opening, transactions and collecting the fees from the transactions? 
Having said that it is also understood that I need to comply with the closing but Kraken returns my money only if I sell my crypto assets. I made 2 attempts ( I have screenshots ) to transfer the crypto into my ledger wallet and was ready tp close my account. The fraud consists in my honest opinion that Kraken collected XXXX $ commission form the purchase plus an additional XXXX $ for the transfer, they will collect another commission from the sale and only then return the money. If this is unethical or fraud is up to you to decide. Not mentioning the short changed return of the wire.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: CURO Intermediate Holdings
State: SC
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:
I received a hard inquiry from the company below on XX/XX/XXXX and again on XX/XX/XXXX AND XXXX XXXX, XXXX : CURO MANAGEMENT, LLC XXXX XXXX XXXX XXXX XXXX, KS XXXX I did not apply for any credit with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: Source Receivables Management LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Source Receivables has reported a fraudulent credit transaction in my name to XXXX and XXXX. They claim I have an unpaid balance of {$1200.00} to XXXX. I disputed this report to Source Receivables in XX/XX/XXXX. I have never had any account with XXXX. This account must have been generated by identify thief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: Experian Information Solutions Inc.
State: MI
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 XXXX XXXX XXXX, Natural Person and consumer am submitted this complaint on my own behalf. I have been a victim of Identity theft. Please review the attachment as my federally protected consumer rights have been violated.

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