BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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 2018-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have unauthorized credit inquires on my Transunion credit report. I have tried to contact the companies but have had no luck. I'm trying to purchase a house and need these inquires removed from my report ASAP. 

XXXX  XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/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 2022-12-01
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed numerous hard inquiries on my report that I had no knowledge of and would like to get these hard inquiries removed from my account, thank you. Companies involved include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX thank you for removing the inaccurate items on my previous dispute but you didnt remove other inaccurate items that are in the attached files. Im sending this letter in regards to the remaining inaccurate information your company continue to place on my report. I have the items below in the file attachments. Please review the inaccuracies and remove the items within 48 hours of receiving this message. I am not attempting to collect a debt nor is this a threat but Im in the process of filing a lawsuit. I advise you to look over this matter and take serious precautions or else youll find yourself in a courtroom trying to defend every violation youve caused, pain, agony, embarrassment and the dark clouds youve placed onto my life. As of today Im sending this final letter as an affidavit and the final important notice to remove your obsolete, bogus, accounts and inquiries by today. I will be following up checking my credit to see if the inaccuracies are removed. I strongly advise you not to take this as a laughing matter, it is to be taken very seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Thee was a dispute for a balance with an XXXX credit card balance. The company handling it harassed me and called family members harassing them. They were asked to stop and a file was made. I was told that the balance had been cleared and they would no longer contact me. Now Im getting calls constantly from Midland XXXX  regarding this same debt. My ex spouse and others are getting numerous calls. Weve also started getting calls from no caller Id. When we answer to discuss, as soon as I ask them why they are still harassing me they hang up. Im sick of the harassment for a debt I dont  owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-09
Company: Navient Solutions, LLC.
State: MI
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:
On XX/XX/2019 I made a payment to my son 's student loan. I gave the loan number to the representative to apply the amount to the loan. The following week I checked and the payment was sent to Treasury and not applied to the loan. On XX/XX/2019 I made another payment to one of my son 's loans and this payment was not applied to the loan even though I got an confirmation number. My son requested forms for autopay and they sent the incorrect forms. Apparently there is one for private and federal loans. My son put me down with Navient that I can talk to them and when I did they refused to assist me with sending the requested forms to me. I wanted to make payments from my account directly to Navient knowing that it would reduce the interest rate. They are trying anything to delay this process instead of assisting a person. I, as the mother, have spoken to different representatives of Navient and they all have different answers and none of them really knows anything or they would be able to process payments made to loans when loan numbers are given. It is very frustrating to deal with them and it shouldn't be that way. But anything to delay payments made to loans in order to get as much interest as possible. This applies to Federal and private loans. They are both processed incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo unfairly prevented me from making modifications to my home loan to avoid foreclosure. I believe I have suffered from instances of abuse and/ or neglect. 
This is a case of my loan application being denied when it should have been approved. 
My lawyer and I went to a Mediation with Wells Fargo, and everyting looked good to have my loan redone. The representative from Wells Fargo mentioned to us before we left that he didn't see any problem with getting this loan modification approved. After i was denied my lawyer and I concluded that Wells Fargo was not trying to help me, and was not going to modify my loan under any circumstances.

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 2019-11-09
Company: National Credit Systems,Inc.
State: LA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I rented an apartment with XXXX XXXX for me and my two sons. Unfortunately I had to break the lease to go into the hospital for a XXXX condition. I was experiencing XXXX XXXX weekly. My medical condition was highly public and I have even been on the news for my XXXX condition. I made the leasing office fully aware that I was going into the hospital long term, and would not be able to continue leasing the apartment. They are now charging me with rent for the remainder of my lease, for months I didn't even love there, as well as tacking on trumped up charges for damages, when there WERE NO DAMAGES to that apartment made by me. The apartment was left in the same condition we found it in. Now I have over {$3000.00} worth of debt on my credit for this apartment. This is highly unfair, I can not control my health. This company is simply going after me for the money without any compassion. I have been completely absolved of my federal student loans because of my XXXX, but these leasing agency refuses to let the balance go, or at least lower it some and work out a settlement offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX BANK XXXX XXXXXXXX XXXX XXXX XXXX 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 XXXXXXXX

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 2021-09-20
Company: Convergent Resources, Inc.
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: Investigation took more than 30 days

Complaint:
I have submitted several request of investigation on my credit report. Several accounts show inaccuracies and violations and the investigation took well over 30 days.

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 2017-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check to BofA via atm. The check was immediately put on hold and XXXX funds were available or will be available until XXXX. I went to reception and asked to speak to someone. The agent asked what it was regarding. He explained this was for for my protection and was not allowed to speak to anyone else. I called my bank when I returned home. This was to no avail and another call on XXXX was also unsuccessful. This they say is due to previous fraud on my account for over a year ago. The fraud was from my cloned atm card and not a check deposit. The bank allowed XXXX $ to be withdrawn from my account when there were insufficient funds to do this transaction. I could not withdraw that amount if funds were not available, how can someone with a cloned card do it. This fraud was reported immediately and resolved. Why am I being penalized a year plus later for their mistake. Please assist in this reconciliation.

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 2017-12-14
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a XXXX XXXX XXXX XXXX Card through Citibank and I paid off the balance of {$22000.00} in full in XXXX XXXX. I filed a complaint with CFPB about the interest I was being charged in XXXX XXXX and the complaint was closed with no corrective action. In XXXX XXXX, I received a refund check from Citibank for this account of {$14000.00}. Prior to receiving the check I received a phone call from Citibank and the representative asked for my address to send a " refund of interest charges. '' When I received the check there was no explanation for this refund other than the message on the stub which reads, " Below is a refund check for the credit balance on your account. '' This account has been closed for more than five years.

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 2019-11-09
Company: Ascendium Education Group
State: MD
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:
During 2018, I was paying {$150.00} a month to XXXX ( previously XXXX XXXX ). Did not receive a student loan interest credit for that tax year. After looking at my payments and invoices, 100 % of my payments were going to collection fees! They reported me as making {$0.00} towards my interest. I'm confused as to how that is possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: DISCOVER BANK
State: NC
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:
XX/XX/2019 Credit card was manually entered by a merchant that I did not do business with. The company forged documents and submitted those documents in the dispute case to my credit card company. The evidence provided by the company is clearly forged and no information providing my name on those documents or signatures from me. The dispute has been ruled in the merchant 's favor as of now. This was a fraudulent transaction. Please assist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-28
Company: EQUIFAX, INC.
State: NY
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:
As previously stated, I was/am a victim of identity theft, Equifax said they verified fraudulent items/accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: EQUIFAX, INC.
State: AL
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:
In XX/XX/2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX account # XXXX. In those 2 months I have asked numerous times for a response and I have not received anything in response from this bureau in over 30 days for request of a complete investigation. So now I'm contacting theCFPB to step in and help me get this issue resolved because I have not received a response from this bureau about this unverified collection accounts as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
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: Problem with personal statement of dispute

Complaint:
Submitted a 609 requesting verification of a debt that is not my account with XXXX and TransUnion. Both agencies failed to verify the debt and in return the collection agency mailed me a fraudulent statement with an incorrect name, address and dates that can clearly be proven to be incorrect. I have disputed this account several times with no success of the account being properly verified, validated and/or deleted from my credit report. Both agencies continue to state that the debt has been " updated '' and that " account is disputed, consumer disagrees ''.

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 2023-03-22
Company: CCS Financial Services, Inc.
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had auto insurance with XXXX and moved to another state so had to change companies I called XXXX and cancelled all the policies I had ( 3 ) at one time and they didnt close one of them. They held it open and now claim I owe money I shouldnt owe I have tried to resolve this but XXXX is the only credit bureau that checked into it and removed the collection from my record the other two refuse to do anything about it. I attached a copy of my new policy showing the policy date in top left corner XXXX wont even tell me the date they stopped the policy

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied to refinance our home with Wells Fargo. The current loan has been with Wells for XXXX years. 

The Application was submitted XX/XX/XXXX. 

On XX/XX/XXXX we were notified that we were not approved. No specific details as to why. And no response from Wells. 

The Mortgage amount was $ XXXX. Home appraised at $ XXXX. We have $ XXXX in cash accounts and 2 rental homes with $ XXXX equity in them. 

Because Wells took so long to respond to us we didn't have the opportunity to pursue a loan with another lender missing out on low interest rates. 

We are asking that Wells provide details as to why we were denied, and if we can address the issues, honor their original interest rate. 

Thanks, 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 2018-08-19
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Accounts on Experian and XXXX  have been closed but still show as deliquent. There are inquires that should be on the reports. 
XXXX  XXXX XXXX XXXX These accounts are not suppose to show

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 2021-11-03
Company: GreenSky, LLC
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/XXXX, We had XXXX XXXX and heating out to check our furnace. He found that we needed a new hot water heater, and we went ahead and also had him install a new water softener. He told us we could apply online for financing thru Greensky. I typed in the exact amount of XXXX needed for financing. We were approved. Just got the paperwork from Greensky today, It states that they had approved us for a line of credit up to {$12000.00}! .We NEVER gave our approval for them to open a line of credit to us, we were NEVER told by XXXX that this was a common practice by Greensky . I called Greensky to ask what was going on and they would NOT give me ANY info on the account as it is in my husbands name only, and my husband is out of town. I was concerned that a payment may be due and can not access the account online, which she wouldn't help me with either. Our concern is that with this unauthorized line of credit, our credit will suffer. We have impecible credit scores and want to keep them that way. I have just read on CFPB in XXXX, XXXX, Greensky has been practicing this unlawful act of securing unauthourized lines of credit and actions have been enforced upon them to STOP, but we can assure you, that they are still unlawfully practicing the same way as I have the paperwork to prove it! We feel that XXXX holds responsibility in this also.

Company response to consumer: Closed with explanation