BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-29
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX  at XXXX XXXX XXXX, XXXX VA XXXX Has sending me collection notices in the amount of 2600.The collocation has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was attempting to purchase a car online, and was told ONE inquiry would be ran, and they poured in and did not stop.

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 2018-03-22
Company: Consumer Adjustment Company Incorporated
State: CA
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:
When I first found out that Consumer Adjustment was reporting on my credit file I sent them a request for validation per my rights under the FCRA on XX/XX/XXXX certified mail.The item was removed from my credit report when they failed to validate. 

However they re-inserted it back on my report after it was removed, which is a violation of the FCRA as they did not notify me of the reinsertion. I informed XXXX  that they were in violation due to the reinsertion. XXXX was in receipt of my letter on XX/XX/XXXX via certified mail and once again the item was removed from my report. 

In XX/XX/XXXX of XXXX again this company has reinserted the item on my XXXX report ; and once again after sending another request for validation they removed. 

To my surprise, Consumer Adjustment has REINSERTED AGAIN for the 4th time. In addition my latest request for validation was returned as undeliverable on XX/XX/XXXX. The address they reported to the credit bureau is a bogus invalid address. 

I've gone in circles with this company. It should not be this difficult for a consumer to get a proper validation response from them as requested. I've been dealing with this since XXXX, that's 4 years of deletions followed by re-insertions! XXXX is equally to blame for not following FCRA reinsertion notifications required by statute. This item has been reinserted and allowed to be done so 4 times now and not once have they sent the required written notification as required by law within 5 days. From my research on the web it appears that NONE of the bureaus send out these notifications by policy. I found the re-insertions only by looking at my credit report. I have no where else to go than to request support from the CFPB to resolve this issue. 

I've enclosed copies of my latest reports from XXXX and XX/XX/XXXX. Should it be necessary I can submit previous reports showing that Consumer Adjustment was reporting and then deleted. I've listed the report numbers below along with a date of the item reporting and then not reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX  Account # Account name XXXX XXXX XXXXXXXX. 
Account number XXXX XXXX creditor. 
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Account name XXXX XXXXXXXX XXXX XXXX Account number XXXX Original creditor. 
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Account name XXXX XXXXXXXX Account number XXXX Original creditor. 
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Account info Account name XXXX  XXXX Account number XXXX Original creditor. 
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Account info Account name XXXX Account number XXXX XXXX creditor. 
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Account name XXXX XXXX Account number XXXX Original creditor. 
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Account info Account name XXXX XXXX Account number XXXX Original creditor. 
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Account name XXXX XXXX XXXX Account number XXXX Original creditor 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 2019-02-13
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I brought my loan current XX/XX/2019. Specialized loan Servicing company sent me the amount that my loan was behind. This included everything that was due. I sent payment to company. I received statement for next payment and it states that I am behind and they have a {$740.00} due. I called SLS company to ask what the charge was? I was told I would have to email them and they would get back to me. I emailed them XX/XX/2019 and I have not heard back from them. I received a urgent notice in my front door dated XX/XX/2019. The notice states that an independent field inspector came by to inspect the condition of the property? I never received a notice or phone call asking me when I would be available? I was informed that SLS stopped by my house again today XX/XX/2019. This is harassment. I have been this this mortgage company about a month. My loan was sold to this company from 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 explanation
Consumer complaint received 2017-12-05
Company: Experian Information Solutions Inc.
State: NC
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 sent a dispute letter to experian requesting that they remove inaccurate information from my report and within 30 days they would have to furnish proof that the info was mine or delete it. They sent me a letter stating they were not going to investigate those items. The 30 days have expired and I want them removed from my file 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 explanation
Consumer complaint received 2017-12-04
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
A XXXX XXXX purchased a used XXXX XXXX XXXX XXXX fraudulently using my private residential address. XXXX is stationed at XXXX XXXX, XXXX, home of record XXXX XXXX and drivers license either NY or XXXX XXXX have no ties to XXXX  . XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX allowed XXXX to purchase the vehicle and register it fraudulently using my personal residential address without my knowledge or consent. Identity residential fraud. The XXXX Staff did not check the proper credentials nor verify if XXXX even live d in XXXX. XXXX obtained XXXX   license plates for XXXX XXXX and registration fraudulently. XXXX XXXX XXXX Staff lack of identification verification from buyers when registering vehicles in XXXX leaves all XXXX residential addresses open to exploitation and identity address fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied for and received a Citi XXXX XXXX Mastercard. The promotion stated that XXXX AA miles would be awarded if {$2000.00} was spent in the first 3 months. I questioned the representative on the phone about my individual case, because I had had a Citi AA Mastercard previously, as to whether I would qualify for the bonus. I was assured that I would receive the bonus. Acting in reliance on this representation, I continued with the application and completed the purchases as required. I phoned Citi AA Mastercard today, XX/XX/ 2019, and inquired as to when my award would be credited. I was informed that I did not qualify for the promotion, because of my prior card within 24 months and that there was a disclaimer included with the card which was sent to me. My objection is that Citi encourages credit card applications with verbal assurances, and then refuses the award asserting a written disclaimer amongst the Citi terms and conditions. This is deceitful misrepresentation to promote a credit card and con a consumer.

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 2019-02-13
Company: Statebridge Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Statebridge Company has reported my mortgage payment as being " late more than 30 days '' when no such thing occurred. Statebridge had wrongfully charged me for forced placed insurance and has since admitted to this " mistake '', to put it lightly. The correct and on-time payment I sent for XX/XX/2018 was accepted by Statebridge but not applied to my account, claiming the funds were insufficient due to their wrongful assessment for forced placed insurance. The reporting of my account being delinquent, to the credit bureaus, had caused my credit score to drop by 49 points, severely effecting my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am sending this regarding the expired Costco Cash Rewards Certificate. XXXX XXXX, I went to my local Costco warehouse in order to use my certificate towards merchandise. When I got to the cashier I was told to when I was trying to pay for my merchandise that I would have to go to customer service and get this exchanged to cash or check. So I went to customer service and the employee told me he would have to speak to his supervisor about this and the supervisor told the customer service employee to speak to the manager. I spoke with XXXX the manager of the Costco Warehouse in XXXX at around XXXX and he told me that in order to use this check, Citi will have to reissue another Costco Cash Rewards certificate in order for me to use it for merchandise. Please reissue me another certificate.

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 2020-01-31
Company: U.S. BANCORP
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
My sister received a call for me. Somehow. Because I've never given anybody her number. I called. A lady answered " Hello ''. That was it. No business name or anything. She tried transferring me to somebody, but I got a voicemail that still didn't tell me who I was calling. I called back. Another lady answered " Hello, this is XXXX ''. I gave her my name. She told me they're the collection agency for Elan Financial. She then proceeded to give me my date of birth, social, previous addresses, and previous employer .... She seriously just gave me all that information. Anybody could've called and said they were me, and she would've given them all the information needed to steal my identity. I use to work in collections, and I'm 99.9 % sure that's illegal.

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 2018-02-18
Company: Innovis
State: IN
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:
XXXX XXXXE XXXX SENT A LETTER TO ME AND XXXX   DEMANDIN G THEY REMOVE ALL XXXX XXXX XXXX XXXX AND XXXX XXXX TRADELINES FROM MY CREDIT REPORT. 

XXXX XXXXXXXX XXXX XXXX NO.XXXX6 XXXX NO.XXXX & XXXX NO.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 was hired by an employer under the name XXXX XXXX who was referred to me by a company called XXXX XXXX XXXX. I applied for that job on XXXX. When they said that position was filled they referred me to apply for XXXX because she needed a XXXX XXXX. I started Monday XX/XX/20 and she mailed me a check for {$2800.00}. She advised to deposit into my personal account ASAP and keep {$200.00} for myself. I confirmed it went through XX/XX/20. Immediately she had me go to XXXX to purchase XXXX USD of XXXX money orders and have them shipped to a address she provided for priority shipping for an additional {$52.00}. Now today XX/XX/20, the check has bounced and all that money was charged to my personal account. They scammed me. Ive spent countless hours on the phone with Bank of America and they will not file a claim and refund me my money since they do not deem it as fraud. Ive had a long relationship with this bank and they are holding me responsible for being scammed and wont reverse the charge. They are the absolute worst 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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2020-01-31
Company: MARINER FINANCE, LLC
State: IL
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 opened a loan with Personal Finance Company in XXXX XXXX IL months ago. I refinanced the same loan XXXX different times afterwards, adding a small amount to the loan. Then PFC was bought out by Mariner Finance. Then this past week when I went to apply for a mortgage with a bank I found out these refinanced loans were not updated on my credit reports so still show open, so it looks like I have several loans open!! I went into PFC/Mariner in XXXX XXXX and they said there is some kind of glitch in their system after they got bought out and several accounts did not get updated on credit reports. So I asked for my paperwork on all of the loans showing they had been refinanced as I did not received them when I refinanced. I do already have the paperwork on the current loan, which is all of the refinanced loans put together into one and it is now under their new owners name Mariner Finance. I then asked them to call their corporate office to update all on all of my credit reports, but they said the home office said all customers have to contact the credit reporting agencies and file a dispute and then they will have to update from that. Please contact them and have them update all of my accounts with them including all loans with PFC and all loans with Mariner as all were made and refinanced at the same establishment within a few months of each other and they still own the same establishment, with all of the credit bureaus and then have them send me a corrected copy of all of my credit reports from all three credit reporting agencies. I have tried to go online to file a dispute, but the system locks up and would not allow me in, so I would like for you to contact all of them for me. PFC/Mariner, XXXX, XXXX and XXXX. I have attached documents showing all were refinanced and only one loan is still open which is my current loan with them, the others should clearly state refinanced and closed.

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 2017-12-05
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: Their investigation did not fix an error on your report

Complaint:
Collections account of {$130.00} with XXXX XXXX XXXX was paid in full. Contacted TransUnion to have account removed from my credit report. I was told by the call rep that the account was removed and it has not.

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 2018-04-14
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XX/XX/XXXX Navient began misapplying my overpayments. I began receiving notices that my account was past due. When I logged on to the website I showed a {$0.00} balance. I called the company inXX/XX/XXXX they told me they needed to contact another department but the problem would be resolved. In XX/XX/XXXX I made another overpayment. TheXX/XX/XXXX balance due for several accounts was {$0.00}. I made a payment for XX/XX/XXXX, including a payment on the {$0.00} accounts to avoid past due notices. In XX/XX/XXXX the website again showed {$0.00} balance. I made a payment, including a large overpayment. A few days later I checked my balances online and saw three or four of the loans were past due. On XX/XX/XXXX I sent an email to Navient. I called on XX/XX/XXXX a representative " reset '' the due date counter. This eliminated the past due balance. I was told if I want to make an overpayment I need to make two separate payments. This is annoying, but fine, I will do this. However, my most recent statement, received onXX/XX/XXXXnow shows a due date of XX/XX/XXXX My loan due date was advanced one month when the representative on XX/XX/XXXX reset the counters.

I have called and emailed to resolve these problems. I am accruing extra interest because Navient can not properly apply my payments. This is frustrating and I want my account corrected. I would like to be able to make overpayments so I can try to pay more on my loans but Navient is making it nearly impossible. If they have it their way I will be paying these loans until I die.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 was alerted from XXXX that a new inquiry was placed on my credit from Kohls yesterday XX/XX/18. I didn't even authorize it this so I called XXXX XXXX spoke to XXXX and explained what happened then she transferred me to fraud, and I spoke to XXXX who saw the attempt to open a card in my name and it was declined and he didn't know why an inquiry was done.

Company response to consumer: Closed with explanation