BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
At the beginning of XXXX of this year, I notice on my credit reports Fifth Third reportes my mortgage balance as {$110000.00} which is incorrect. I did a modification on my loan on 2010 XXXX XXXX had my loan and Fifth Third was the servicer of my loan. During the modification process I was told, XXXX of my loan was going to be discharge and I was no longer responsible for this amount. I was under the impression all of these year that the balance of my loan was XXXX. I have contacted Fifth Third Customer Service ( Mortgage Department ) and they haven't given me a correct information on this issue. I did request a copy of my loan modification and the paperwork doesn't have my initials nor my wife 's initials ( I am now divorce ) when they say, the XXXX was supposed to be deferred at the end of the loan. The paperwork that they sent me wasn't signed by me nor my wife at the time. I need for the Consumer Financial Protection Bureau to open an investigation about this issue, and provide me with the proof I need since so far, they haven't been able to do it. The 3 credit bureaus haven't been able to provide me with paperwork regarding this issue. I need to know where is a copy of my loan modification paperwork with my initials on each page.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My Wells Fargo bank check dd XXXX XXXX, XXXX {$30000.00} after I delivered to post office inside at XXXX XXXX XXXX on XX/XX/XXXX check was stolen and altered payee from XXXX XXXX XXXX Tax collector to XXXX XXXX and cashed at XXXX XXXX  in XXXX TX and paid from my acct on XX/XX/XXXX. I found it on XX/XX/XXXX after I received penalty notice from the county Next day I reported to my bank. WF bank said it's my responsibility to review my statement monthly and claim within 30days. I had complained to bank many months they stopped monthly statement. WF bank stopped and even I repeatedly request paper statement like before ( I am over XXXX yrs old and prefer only paper statement ) they recognized my acct has online and paper but they never sent. On XX/XX/XXXX I called customer service and they told me they will send it in 2 packages for personal and business and they mailed me only business statement in XXXX XXXX, XXXX i had never received XXXX XXXX statement and WF bank doesn't show the copy of the check. I checked my balance and asked the teller to check $ XXXX check to tax is paid or not in XX/XX/XXXX and she said not worry it's paid. It was paid as forgery. This teller and cutomer service on XX/XX/XXXX both didn't recognize the check was altered. WF bank never investigate and help me. When I claimed on XX/XX/XXXX WF acct specialist told me not to worry it will be reimbursed by bank in 2-3 weeks. XX/XX/XXXX after 15days later I originally claimed I found it out they decided not to pay me after I claimed reply which WF said answer in 7-8 days. Nothing they can do said per branch manager. 
I am very very upset to their service. I don't know what to do. WF said alter check is 30days limit to claim. I was never given 30days disclosure since acct was opened. My new account booklet which I held over 10 yrs said only 60days after statement was delivered which is my case. I need help.

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 2022-05-02
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the FCRA XXXX account XXXX has violated my rights. 15 U.S.C. 1681 section 602a states I have the rights to privacy. 15 U.S.C. 1681 section 604a states a consumer reporting agency can not report my personal information without my written instructions. I didnt give Experian or anyone permission or written instructions to report this account. I demand that Experian delete this account immediately based on this FCRA U.S. codes.

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 2022-05-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 i've disputed erroneous information on my credit report with Experian. 
They refuse to investigate the matter. 
Account : XXXX XXXX # XXXX In accordance with The Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last actives inaccurate, and date last reported is not accurate.this is ground for removal, they also violate my rights under XXXX XXXX XXXX XXXX XXXX XXXX.States I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-11-18
Company: EQUIFAX, INC.
State: AL
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: Problem with personal statement of dispute

Complaint:
Company does not adhere to Fair Credit reporting Act. 12 CFR 1022.142 - Prohibition on inclusion of adverse information in consumer reporting in cases of XXXX XXXX XXXX in regards to XXXX XXXX  ( C ) Is of a signed statement by the consumer attesting that the consumer is a vXXXX XXXX XXXX if such statement or an accompanying document is signed or certified by a representative of an entity described in paragraph ( b ) ( 6 ) ( i ) ( A ) or ( B ) of this section.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I could not find where to submit a concern about banks for a review of policies period. I am not currently having an issue. 
My concern is for when I applied for a mortgage. My average credit score was XXXX. Which I thought meant an excellent credit rating. The bank told me they don't use the average and picked my lowest score to deny me the advertised lowest rate. 
I think there needs to be clear and uniform reporting on rates prior to applying for a mortgage and for ALL financial institutions. Not left to a sales person with the bank to decide what they can sell you into. A bank being able to use arbitrary means for determining the rate a customer is charged makes it impossible to properly and with due diligence shop for the best financial product to fit the customer. 
In short I believe all should be treated equally. Income, payment history, debt to income, and job history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: CITIBANK, N.A.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Citibank sent me a promotional offer advertising " 0 % XXXX XXXX on Balance Transfers until XX/XX/2023. '' However, nowhere on that page ( or the back of the page ) was there any mention of a fee of " {$5.00} or 3 % of the amount of each transaction, whichever is greater. '' The point being that it is very deceptive advertising and I have been charged {$240.00} for having written XXXX balance transfer check for {$8000.00} and deposited it to my XXXX XXXX XXXX  account. When I realized the mistake I had made I paid the entire {$8000.00} back the very next day and promptly closed the account. 
Citibank needs to include the balance transfer fees right up front with the 0 % interest charge advertisement. Their failure to do so amounts to deceptive advertising and I'm sure I am not the first or only person be be deceived by their obviously underhanded technique. 
I'd like to have the {$240.00} I have been charged rescinded.

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 monetary relief
Consumer complaint received 2021-08-12
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My loans were discharged by total XXXX student loan discharge on XX/XX/XXXX with an effective date of XXXX of XXXX. I received a refund of payments from Navient however to dat they still show a balance on my account and list the loans in a forbearance status for one year. They are also listing that I need to recertify my Income Driven Repayment program status. Its been two months since Navient was given the information from XXXX and they still do not seem to have processed this correctly. My concern is that this will end up going back to a payment status in XXXX of XXXX and I will be forced to go through the process all over again. My XXXX are due to are service connected and this whole issue cause me a lot of XXXX. Can you please get them to correct process this so I do not have any problems in the future?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: EQUIFAX, 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:
Equifax continues to violate my under the FCRA 15 USC 1681 and 623 ( a ) ( 1 ) ( A ).

Equifax stated the account listed bellow was verified, how is that possible if they did not do a proper investigation? Every piece of information on this account is still not reporting 100 % accurate. By way of their own report dated XX/XX/2022 shows the account has not been verified since XX/XX/2022. Since more than 30 days have passed since I head from Equifax the FCRA 623 ( b ) ( 1 ) clearly states The credit reporting agency must respond to the dispute within 30 days or delete the disputed information from their files. Equifax clearly failed to do so as required by law. By way of their own admission via a letter dated XX/XX/2022 they are refusing to investigate this disputed item, far different from what they stated to the CFPB in a previous complaint. NOW IS NOT THE TIME TO VERIFY THIS INFORMATION, IT MUST BE DELETED AS REQUIRED BY 623 ( b ) ( 1 ) Disputed Account : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened an account with Santander bank

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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
I have examined my consumer credit report, and this marks my second complaint to your agency. Unfortunately, the issue of inaccurate reporting persists across all three bureaus. Despite my consistent efforts to dispute the inaccuracies with XXXX, XXXX, and TransUnion, the matter remains unresolved to this day. 

1. The following personal information is incorrect Former : XXXX XXXX XXXX 2. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX XXXX Account Number : XXXX 1. The following personal information is incorrect Name : XXXX XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX 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 2022-05-02
Company: SYNCHRONY FINANCIAL
State: NC
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 called on XX/XX/2022 to ask for a replacement card as my card was about to expire and I was told a new card would be mailed out in 7-10 business days. I received notification on XX/XX/2022 that my account had been closed. I called and no representative would tell me why they closed my account. The account has always been in good standing and I have been with them for 5 years. I was told to reapply if I wanted to have an account, but no information would be provided over the phone as to why the account was closed. I was told a letter would be sent out.

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 2023-10-09
Company: Foursight Holding LLC
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I received credit hard inquires. I never applied for credit XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 have a false collection on my account. XXXX XXXX XXXX has never been verified, and the amount determined due to the orginal creditor in court was XXXX dollars.. When I contacted XXXX XXXX XXXX by certified mail, they never responded. However, the company continues to send a fraudulant spreadsheet to companies such as each credit bureau and CFPB claiming that I owe money that is not owed. THEY HAVE NO PROOF THAT I OWE THIS MONEY. I have proven multiple times that the spreasheet they provide is incorrect and does not include things like cashiers checks that were paid to the orginal creditor. I have contacted the credit bureus numerous times as this negative amount is ruining my life. I am unable to get a mortage or have access to credit as this predatory company is destroying my life. I am now suing the orginal creditor in court for their actions that have completely devasted my life. Please help by stopping these companies from reporting inaccurate information that is ruining the lives of people.

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 2022-05-02
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I took out the loan in XXXX but the following year, I XXXX  my job, home and all financial abilities to pay back this loan. I was forced into a forbearance. I attempted to apply for the hardship exemption but Sallie Mae never responded to my claim. They ended up taking over {$2000.00} in tax refunds for a couple of years. However, those payments were never shown on my file. When XXXX took over, I attempted to work out a payment plan. they indicated I needed to pay the full amount or be placed in another forbearance. I was working at a XXXX XXXX XXXX. I was not making ends meet and I could not afford this amount. So each year the payments were attempted but too much to pay back. Which XXXX rent being so high, I can't afford the {$200.00} + payments. I attempted to apply for the Public service forgiveness. They told me I was wasting my time. They refused any info other than I needed to pay the loan in full. I worked for a XXXX for XXXX  years and moved to a different XXXX  organization. Navient stated I could not change jobs the only way I could apply for a public service forgiveness is if I started all over again with my new job. Then in XXXX, I was told ( right before Navient switched to XXXX ) I had to consolidate the loan to a loan with the Dept of Education or I would not be eligible. only to find out that I now have to start at zero again. I might not be eligible for the Sallie Mae/Navient forgiveness XXXX They really lied to me and misled me to believe I had no options to pay this back. They stole my tax money and never applied it to the loan. now, when interest rates should not be applied, I owe more than I owed in XXXX. Over {$11000.00}!!!! This is a loan shark! They will have me paying this long after I am retired. This is not fair! What makes me ineligible for the same programs as most people struggling? I was XXXX and there is nothing that could help me? They stole from a XXXX  women trying to survive. That is wrong and now, after XXXX years, there is still no help or apology? This is not justice!!! How can I get help? How can I get back the time taken from me because I was conned into consolidating before the Navient transfer? does Washington know how Navient is still messing with people?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to formally dispute several errors, discrepancies, and unrecognizable accounts that are currently appearing on my credit report. 

-- -- -TransUnion 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 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
TRANSUNION continues to inaccurately report XXXX XXXX XXXX XXXX information on my credit profile. I have pointed out several inaccuracies on this account to the credit bureau. I have yet to receive a response back and I'm certain no reasonable procedures were conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. How can a disputed be resolved if no human being is actually looking at the obvious inaccuracies i continue to point out to them all. Using a computer to electronically review my dispute is unacceptable. How can they possibly resolve the disputed account if no reasonable procedure was performed? It is a violation to my rights to claim that an account has been resolved if it's not reporting 100 % accurate. TransUnion reports that the account was opened XX/XX/XXXX and XXXX reports it was open XX/XX/XXXX. Those are clearly different dates. How is it possible the account was opened on both? Also TransUnion reports the last date of activity as XX/XX/XXXX and XXXX reports it as XX/XX/XXXX. How could this be possible? Also XXXX reports the terms of repayment as 1 month and TransUnion reports as 0. This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion. I want this account deleted 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