BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-13
Company: Experian Information Solutions Inc.
State: AZ
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 who manages my student loans, who put my loans in automatic Forbearance, then reports my XXXX loans as 'late '. The accounts should never have been placed in automatic Forbearance nor especially been reported. This action is supposed to protect the status and maintain " good standing. '' I disputed it thru Experian, whom I pay a monthly membership to help with these things. The dispute has been resolved and XXXX reversed the " late payment ''. However, the account status still reads, " potentially negative '' and my score did not return to where it was, before all of this. My credit immediately dropped nearly XXXX points due to XXXX 's purposeful fraudulent reporting. Experian states there is nothing they can do, that the score is based on some " algorithm '' and referred me to XXXX. XXXX said there's nothing they can do, that Experian is actually responsible for the handling and correction of my score. I am getting the run-around and don't feel I have much recourse other than to file a lawsuit against XXXX and all involved. This is completely unfair as I worked so hard to fix my score and now it has been destroyed by false reporting and lack of accountability in anyone fixing it. What an injustice to the consumer. I please ask for assistance and for this being returned to the score it was, prior to XXXX 's false credit reporting. On a separate issue, I have many student loans that are not on my StudentAid.gov, but that XXXX insists are mine. I have asked XXXX repeatedly over the years to open an investigation into these loans that are not mine, and they have done nothing but continue to demand loan payment. I've been paying since approximately XXXX, it's hard to believe an original loan from XXXX for an amount of {$500.00}, is still owed and due. Something is terribly wrong!!!!!!!!! Please 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 2023-09-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under as open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: NATIONSTAR MORTGAGE LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In approximately XXXX the mortgage on my home was sold by XXXX to Nationstar Mortgage. The mortgage was ONLY in my XXXX 's name. I was NOT on the mortgage. On XXXX XXXX, XXXX, my XXXX  refinanced the mortgage to take advantage of a lower interest rate and lower monthly payments. He was contacted by a representative of XXXX XXXX who advised they would be handling the refinancing for Nationstar. The representative came to our home with the closing documents for my XXXX to sign. The representative stated that XXXX XXXX required that he have me, as spouse, sign some forms affirming I was legally married to my XXXX. He further stated the signing of these documents would in no way obligate me to be responsible for the payment of the mortgage, it was just a formality. He also advised that within XXXX days of XXXX XXXX, XXXX, XXXX XXXX would transfer everything back to Nationstar and the relationship between my husband and Nationstar would resume as it was prior to the refinancing. Approximately 30 days later, my husband received a letter informing him the transfer back to Nationstar had taken place, and he again began receiving monthly billing statements in his name only from Nationstar. Over the course of the next several years whenever Nationstar would call our home to speak with my XXXX, should I answer the phone and offer to assist them ( in the event my XXXX was unavailable ) I would be told they were not authorized to speak with me because I was NOT on the mortgage. In XXXX XXXX, my husband XXXX XXXX suddenly. I contacted Nationstar and advised them of my XXXX 's XXXX. They stated they were no authorized to speak with me about the mortgage, because I was NOT on the mortgage. I was unable to keep up the mortgage payments on my own. My attorney attempted to speak with them, but to no avail. On XXXX XXXX, XXXX, my attorney forwarded a letter to Nationstar requesting a history of the loan. On XXXX XXXX, I received letters addressed to my XXXX and XXXX to me from a law firm, XXXX informing me of foreclosure proceedings with the auction of my home set for XXXX XXXX, XXXX. The letters were dated XXXX XXXX, XXXX, XXXX days after my attorney requested a history of the loan. I have been unable to get any response from Nationstar as to how it is I was never on any mortgage with them, they always refused to talk to me, and now they are foreclosing on my home against me on behalf of XXXX XXXX, who was only supposed to be handling the closing of the refinancing back in XXXX. It is my complaint that Nationstar and XXXX XXXX have engaged in certainly unfair, and perhaps unlawful, practices in regards to their handling of the mortgage. My deceased XXXX and I were mislead and deceived by Nationstar and XXXX XXXX. And, to add insult to injury, they have refused repeated attempts to communicate directly on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: In progress
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I want these account removed and deleted immediately. 


Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over 710. transunion has me at a score around 592. That is a huge difference. transunion paints me as a Bum. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2023-05-17
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX a withdrawal showed up in our checking for {$77.00}. It supposedly was to XXXX  of XXXX Ohio.. That same day I went to the bank and disputed the claim and canceled my debit card. I then searched on line for XXXX of XXXX Ohio and actually drove to that address that was on line. They had never heard of us before and we were not in there system ever. When we got the reply back from the bank they claimed it was valid and we had actually used a chip. This absolutely wasn't true so I disputed the claim again.and I requested the address and contact information for the business. This time it came back as a utilities company with no address or telephone number. I searched on line again and XXXX of XXXX Ohio came back as a marine recruiter. We have not lived in the XXXX XXXXXXXX area for 10 years so I highly doubt it was a utilities bill. I'm hoping by now you're convinced that the bank didn't even investigate this. I've talked with the bank PR person several times and she couldn't even get me to the correct extension and basically told me to not call back because they wouldn't be willing to share any information. All I really request is a valid name and address or put the {$77.00} back in my account and I'll quit bothering them. I've been with this bank since approximately XXXX when ever they took over XXXX XXXX. I hope you can help me. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have elevated this appeal at the bank, but feel the process here is so messed up, the need to bring it to higher competent authority in tandem. 

Since the beginning of XXXX we have worked with Navy Federal Credit Union, a bank I have been with for 20 years, on a VA Cash Out Refinance Mortgage. Their process is a total and redundant disaster. We supplied all necessary documents to show more than sufficient income and the loan has gone back and forth between conditional approval to underwriting and back. They continued to ask for an XXXX, which was not a form used for 2019. We signed cost of loan disclosure yesterday and today we received a denial out of the blue without request for clarification. Communication and explanation is very poor despite us providing in an expeditious manner anything requested. 

Today, we received a denial letter which stated unable to verify income from 2019 and its denied. This totally unacceptable. This is a benefit I have earned and we have more than sufficient income and have a current VA mortgage with this bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: FL
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12
Company: EQUIFAX, 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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
1. Closed account XX/XX/2019. Cashed cashiers check XX/XX/2019 from Wells Fargo. I was forced to have a inhereded IRA with Wells Fargo. 

2. I continually receive emails on account. 

3. Wells Fiasco has 43 indictments. Number of data breaches. From a privacy standpoint I would like all data and info deleted from their computers of my association. 

4. Called 5 times. Talked to over 15 neophites and no one know how to delete account information.

5. Called MN state AG. Well Fiasco sent a form letter no resolution. Called complaint company and they did not return call. The tape said they would return call in 24 hours.

6. Do I have the right to have my data and information deleted under the privacy act? I'm concerned that the data can be breached and I will lose my identity. Doesn't the consumer have the right to have his data and information removed?

6. Solve the problem. Sending the complaint to WF will get no where. What authority do you have and what are my rights to have my information removed?

7. WF created false new accounts from consumers. Now WF is keeping closed accounts open.

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 2023-09-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2021-11-02
Company: Paypal Holdings, Inc
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:
I got a text message alerting me that I made a purchase of XXXX EUR and 1 min later another XXXX EUR. ( mind you i did not make these purchases ) I immediate call my credit card company and lock my credit card in foreign countries. Then I try logging into my paypal account, but I can't ( because the hacker, closed my account ) I then proceed to use text chat box in the paypal main page, but XXXX the lady who works for paypal, says she can't help me because my account was closed. Basic runaround and tells me to email paypal. 

So i email paypal, and they tell me that I have to log in and goto the resolution center and deal with the problem there. 

I write them telling them, I can't log in to my account because it was closed and hacked. But the email i received tells me the same message over and over and over again. WIthout any help or resolution. 

Finally i call paypal, and they give me the basic runaround, Im on the phone with recordings and bots, and another 40 mins wasted.

I finally reach somebody and they ask me for my information, and after waiting another 30 mins, she tells me my account was closed so, they can't do nothing and gives me another phone, which doesn't work. 

I get upset and ask to speak to the supervisor, i wait and wait... .then finally supervisor XXXX gets on the phone and asks me the same questions and I couldn't understand what she was saying... .and basically, ... ..i think nothing will be done. 

I don't want to call him, or deal with them anymore. I wasted time, energy, been stressed the whole day. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: SYNCHRONY FINANCIAL
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:
This letter is to file a grievance against PayPal Credit c/o Synchrony Bank business practices. 
I had requested an increase in credit from {$250.00} to {$500.00} XX/XX/XXXX, online with PayPal Credit XXXX I was denied increase based on a report that Synchrony Bank or PayPal had sent me, XX/XX/XXXX. The report stated that XXXX scored me at XXXX on XX/XX/XXXX. After contacting XXXX, I was informed that they do not send credit scores to anyone who requests a report. XXXX also mentioned any requests for a report, is given with current dated reports. I requested an increase XX/XX/XXXX. The denial letter was dated XX/XX/XXXX. 
I am very disappointed in PayPal Credit/Synchrony Bank online business practices. I do not understand how I can be denied an increase based on your scoring of XXXX dated XX/XX/XXXX. I have been challenged with identity theft 3 times over the past decade. My most recent attack was in XXXX. I had reported identity theft with Synchrony Bank/PayPal online in XXXX of XXXX at which time I was given a new account. I thank you for securing my account. I am working hard to maintain financial obligations and on increasing my credit score I would have accepted a denial based on current scoring and/or report but I do not accept this denial from XXXX XXXX. I, just like ALL consumers expect a safe, secure and accurate information on your websiteespecially with any online account. I, as a consumer, expect to be provided with accurate and current information online. There is a lot of cyber-attacks and scammers, as well as phishing for consumers identity. With such disappointment, I am filing a grievance against PayPal Credit/ Synchrony Bank with the XXXX XXXX XXXX , Consumers Protection Agency , and Government Online Agencies . It has been, especially, challenging contacting the right department for my grievance. Your website does not accept grievances or complaints. My only resolve is to write to a po box . I do not know if what you do is legal, but I know it is an unfair business practice. I have forwarded a copy of your response letter through to the online authorities with my grievance against PayPal Credit/Synchrony Bank . As a Consumer, I am accountable for my financial obligations. PayPal Credit onlineis accountable for fair business practices to ALL consumers. I do expect a resolution to my grievance. I do expect a response with correct information as to why my increase request was denied.

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 2021-10-30
Company: Santander Consumer USA Holdings Inc.
State: KY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Santander Consumer USA received my car loan ( I did not choose them ). No payments missed. Made a final pay off. Received PAID IN FULL receipt as well as the RELEASE OF XXXX. Filed for new title with local courts. Received new title. Own vehicle outright. 

Santander is claiming I owe them more money. Santander sent me receipts PAID IN FULL. 

Santander is XXXX me and now XXXX XXXX of the vehicle. 

They claim the amount owed is {$520.00} They have an error in their system ( otherwise why sign off and send a paid in full receipt ) and are not claiming I owe. Even if I pay, what is to prevent them from saying the same thing again? I already have a receipt. Nothing prevents them from this claim. I advised them to have their legal team contact me and they did not. 

Phone conversations have been recorded per XXXX law.

Company response to consumer: Closed with explanation