BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-25
Company: Navient Solutions, LLC.
State: OH
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 have had these two student loans for 15 yrs. First with XXXX, XXXX now with Navient and each time it changed hands I owed more and the balance hardly moved and I have been paying on them for 14 yrs., because the first year after graduation I did a deferment. I  feel they have steered me toward repayment programs that make me ineligible for government loan forgiveness programs. I do work for a XXXX XXXX XXXX, but each time I have called over the years asked questions as to why my balance never seems to go down or that it doesn't go down enough or when the financial institution changes I own more money, If this was a car loan with & .25 % interest it would have been paid off already years ago. No one can answers my questions. I have a daughter who is now in school and with my loans on top of living I can't afford to help her out and it is still putting my debt to income ratio in the hole, so I can't even sign for her student loans. This is ridiculous, had I known I would have never went back to school to try to better myself, it's just not worth it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I XXXX XXXX inherited a substantial amount from my late aunt retirement account ( XXXX  ) {$180000.00} via wire transfer. The inheritance led to the opening of an estate checking account and money market account. I had approximately 4 accounts with this bank. This bank was the worst bank ever I had numerous phone transfers numerous bank charges on my debit card that was not made by me. Disputes of charges were all denied. The staff of XXXX were very unprofessional and I believe that I was discriminated based off my XXXX  age  and race for the type of money I possess. I also believe that the bankers XXXX XXXX  XXXX  XXXX  and XXXX  XXXX were helping themselves to my account. My money was exhausted less than a year without apparent explanation. I was receiving numerous calls from fraud department despite being under daily limit. I also had incidents where the ATM will go out of service once I make a withdrawal outside of bank no matter location and several card shut downs which believe the atms was ripping my account off. I am contacting due to the recent closing of branches I would like an account specialist to work with me to receive back that which was stolen. I am 100 % sure they owe money. I was also notified by XXXX  XXXX XXXX that there was an account open in my name outside of me. Supposedly a person in the military which is now being investigated. More than likely this can be the same individual I have no clue who it may possibly please advise and have Huntington respond promptly in regards to compromise account? I ve never been this much without my money is needed it has cause foreclosure & confiscation of 3 cars. Thank you XXXX XXXX the merging of tcf bank is also a suspicion I had an account with tcf bank at the age of XXXX that went totally wrong left me in the check system XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX accordance with the Fair Credit Reporting act XXXX  XXXX  ACCT # XXXX, has violated my rights. 

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

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 2023-05-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. Iresearched on how to remove the fraudulent items in my report and found that I need tovisit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRAsection 605b Credit Reporting Agencies are required to remove/block any items listed onan id theft report. Please find the ATTACHED documents to assist in blocking of theerroneous information which is being posted to my report. Here is the list of items that donot belong to me or were opened without my permission. XXXX XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX NY XXXX, XXXX NY XXXX XXXX NY XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTINGAGENCIES shall block any information in the file of a consumer that the consumer identifiesas information that resulted from an alleged identity theft, not later than 4 business daysafter the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Please remove it 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 2023-05-06
Company: EQUIFAX, INC.
State: FL
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:
Please delete these hard inquiries XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 TIRED OF WRITING TRANSUNION, XXXX XXXX ABOUT BREAKING THE LAWS Under 15 U.S. Code 1681b- Permissible purposes of consumer reports. I XXXX XXXX THE LIVING HUMAN BEING NATURAL PERSON NEVER GAVE THESE AGENCIES ANY PERMISSION OR AUTHORIZATION TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. I AM PREPARED TO GO TO COURT IF THEY CONTINUE TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. 

NO CONSENT IS IDENTITY THEFT!!!!!!!!!

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 2023-03-30
Company: JNR Adjustment Company, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX car rental added other fees at the airport. I was only suppose to pay taxes at counter since I paid the rest through XXXX. I even pairs toll fee since I was responsible for it with their added Fe of {$15.00} for a {$2.00} toll. But I am not paying their add ones. I disputed with my credit card and won. Now they trying other ways to get my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021, my husband and I reached out to Mr. Cooper to refinance one of our investment properties. The purpose for selecting Mr. Cooper was the mortgage is currently held by this company and there was a streamlined process. We could provide loan estimates from other lenders and be on our way. We provided the required documents on XX/XX/2021 and were in constant contact, providing 3 months worth of paystubs from each of our employers, tax returns x 3 years, discussed the cash out options, uploaded copies of homeowners policies, etc. I received a call requesting an explanation of my pay as you are taking home less than half your salary each pay. I provided an explanation, I am approaching retirement age in 5 years, pay State and Fed taxes, OASDI, health benefits, retirement savings life insurance-they should be able to determine these routine deductions. 
***After the appraisal was completed, we had to add batteries to the smoke detector and send pictures to prove this was done. I was asked to provide a statement explaining my Allotment SV which is only {$150.00} per pay allocated to my savings account ( a secondary direct deposit ). The most disturbing request was to submit a bank statement showing we have at least {$5200.00} in reserves-checking or savings. XXXX** My credit score is over XXXX, my husbands score is high XXXX, the mortgage is currently with Mr. Cooper and we have not been late or requested forbearance, etc. ***We were also asked to show proof of home owners insurance on the property Mr. Cooper is paying for monthly. XXXX The home appraised for significantly more than our current loan to value on the property ; we qualified for this refinance with using only income from our employers, although we have been in business more than 10 years and I have income from a second job as a real estate agent. 
I am not sure what the scrutiny is related to, however, as of XX/XX/2021, we feel there is something more to this refinance process that is NOT being revealed, because we are being asked to justify and/or provide very insignificant items related to this effort. Some investigation into this company is warranted, as we are well-established having stellar credit, longevity on our jobs, own several properties and have purchasing power. 

Please help get to the bottom of this/1

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently pulled a copy of my credit report and seen some hard inquires I don't recognize. As per FCRA Section 609 605 and 623 Please Provide record of consent for these inquiries and record of accuracy. If unable to validate or provide written records I expect removal of these inquiry immediately. 

XXXX Date of inquiry : XX/XX/2022 Please remove this inaccurate information from my credit report. 

XXXX. XXXX Date of inquiry : XX/XX/2022 Please remove this inaccurate information from my credit report. 

XXXX. EQUIFAX MORTGAGE SER Date of inquiry : XX/XX/2022 Please remove this inaccurate information from my credit report. 

XXXX. XXXX  Date of inquiry : XX/XX/2022 Please remove this inaccurate information from my credit report. 

XXXX. XXXX XXXX Date of inquiry : XX/XX/2022 Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Pulled update of my credit report and didnt see any changes. You still posting this negative on my name but these accounts are not belong to me. I think someone have my personal information

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 2023-05-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To Experian XXXX XXXX : I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements.For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report.These allegations appear to be inaccurate. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them 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 explanation
Consumer complaint received 2019-06-11
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I submitted a dispute to all three major credit bureaus agencies XX/XX/2019 in regards to identity theft. I have yet to have my dispute resolve or any feedback regarding this matter and its been over 60 day

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 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Trans union reinserted a debt from XXXX after removing per investigation. Per FTC US15 U.S. Code 1681i Trans Union MUST notify me within 5 days of reinserting this information on my credit report and send supporting details as to why. I have not received either therefore XXXX needs to be PERMANENTLY removed from my credit report. Also, the same debt is listed twice. One reflects closed and paid as agreed the other shows a number of late fees. this is also against FTC US15 U.S. Code 1681i.

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 2023-08-25
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/ I have reproted unauthorized charges with chime and on XX/XX/XXXX they denied my claim! And they wont issue me supporting document to the denial! When by law they have to and they even stated in the email that I could request for the supportive info for the denial!!! But they provided me with nothing and they cant deny my claim if they dont have supportive document or evidence I need my money now they telling me I might get provisional credit on XXXX XXXX XXXX  by not now? Why till then and I when I been already been waiting for 3 weeks now I need my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Money transfer requested from my Merrill Lynch account to my BofA checking account. Saturday XX/XX/XXXX. Funds were debited from My Merrill account XX/XX/14 and were not placed in my checking account. Merrill has stated they were fixing it but no communication from them. Multiple calls have been made

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Pulled update of my credit report and didnt see any changes. You still posting this negative on my name but these accounts are not belong to me. I think someone have my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

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 2023-05-23
Company: Experian Information Solutions Inc.
State: CO
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 have on many many many occasions reported to Experian that I was the victim of ID Theft via a family member! I have provided police reports, identity theft reports, court documents related to the identity theft and each time they come back saying its been verified as accurate when its not accurate

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 2022-10-15
Company: The Outsource Group, Inc
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In the XXXX XXXX at XXXX XXXX XXXX, we did NOT sign the clauses agreeing to pay any expenses beyond what insurance pays. We are only liable for what insurance has already paid XXXX XXXX XXXX. 

Even knowing this, XXXX hired Medicredit , Inc. debt collector to hound us. I talked to Medicredit asking them to provide proof of debt. I received a letter in the mail yesterday simply saying that " Medicredit , Inc. determined that the balance on the account is accurate and is your responsibility. '' I just called them and spoke to " XXXX '' and informed them that this letter is not proof of debt. I requested for a XXXX time that they provide the document I signed agreeing to pay any expenses BEYOND what insurance pays. They said they don't have access to those documents. Of course, they can't provide it anyway because I did NOT sign those clauses in the ER docs. 

When I suggested that I'll need to escalate this to the CFPB, she immediately hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation