BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX fraudulent accounts XXXX XXXX XXXX XXXXXXXX Fraudulent Inquires XXXX XXXX  XXXX  XXXX Bank XXXX XX/XX/202XXXX XXXX XXXX  ( Bank ) Ive contacted the creditors to have accounts closed and have contacted the credit bureaus to have removed and still remains after identity theft report and identification has been submitted

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 2022-11-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
It seems like every time I talk to a collection agency that has the account theyll close it and then somebody else to get it its like they pass it on to hundreds of these companies and even though you settled it they still come after you saying that you owe this account. I asked the agencies numerous times in the company to validate the debt show when the debt was validated thats all I ask. And if they can not then I ask for all accounts to be removed from all credit agencies and all negative remarks be removed ASAP.

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 2019-03-25
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XXXX, XXXX, I was alerted by one of my credit monitoring systems that my score had decreased. I went and reviewed my credit reports and found this XXXX 's account opened and already negatively reporting. The account was opened in XX/XX/XXXX. I don't know who did it but I did not authorize this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-05
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2021 I purchased a laptop computer from Best Buy located at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. The salesperson offered me a {$100.00} discount if I opened up a " rewards '' card. He indicated that it was not a credit card, and only a store rewards card whereby I could accumulate points and special deals towards in-store purchases. I stated that I DID NOT WANT to apply for a credit card - the Best Buy salesperson stated that he would tell the person on the phone processing my application NOT to proceed with a credit card application... .only the in-store " rewards '' program card. 

I suspected something was wrong when the salesperson was on the phone with the other person for a prolonged time. He indicated that " my application didn't go through '' and that he could not honor the discount or enroll me in the rewards program. 

I subsequently received a warning from one of my banks that a credit report had been requested in my name ( which I did not authorize ). I then received a letter from Best Buy XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX dated XX/XX/2021 that I had made a recent credit card application, which was denied because of an identity fraud alert on my credit report. 

The Best Buy salesperson misled " tricked '' me into applying for a Best Buy credit card and this led to a credit inquiry on my credit report which may negatively impact my credit score. This practice is misleading and I am reporting this unethical behavior to CFPB.

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 2019-01-08
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My student loans were paid in full in XXXX, and I have the receipt to prove it. When Navient bought my student loan, they have lost payments and continued to keep adding interest to a loan that was already paid. I have now gotten notice that I have less than 30 days to pay it in full ... ( which has tripled ) due to the outrageous interest. I have turned them into the XXXX, and I have showed them multiple times that the loan was paid in XXXX. Now it is XXXX and these people will not leave me alone, nor leave my co-signer alone, they call 5-8 times a day, emails and letters with threats. I am at a loss of how to get these people to leave me alone!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I bought my prepaid XXXX  at the store and loaded XXXX dollars. I went to load it and it gave me the error message shown in the attachment. I called Netspend the automated system asked for the card number and social. When I put my social of course it said not found. When I bought the card social or name wasn't given. I spoke to thr 1st rep they rerouted me to the same automated system. They are refusing to activate this card yet they took my money and they wan na endlessly route me to the automated system.

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 2023-05-09
Company: EQUIFAX, INC.
State: OH
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 tried Several times to Dispute inaccurate information with Equifax which Equifax doesn't reinvestigate my dispute and fails to provide proof of their findings I am asking for Equifax To reinvestigate and delete the negative information and the accounts that were fraudulently opened in my name Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, INC.
State: MD
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:
I submitted a dispute to XXXX, Equifax and XXXX regarding a Public Record ( Bankruptcy / Ref XXXX ) that is being reported on my credit files. They have all responded that the information was verified and accurate, however I have contacted the court and their response is enclosed. It is clear they do not report or verify information to any credit bureau. Therefore the information that is being reported is false, and has not been verified, the reporting requirements do not comply with the FCRA 611 ( 15 U.S.C. 1681I ) and the information must be DELETED immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted my Mortgage servicer/ Wells Fargo by telephone on the following dates but was not able to reach a person to assist me with a {$110.00} late charge that I was assessed on XX/XX/2020. 
1st call - XX/XX/2020 2nd call - XX/XX/2020 3rd call - XX/XX/2020 4th call - XX/XX/2020 5th call - XX/XX/2020 6th call - XX/XX/2020 7th call - XX/XX/2020 8th call - XX/XX/2020 9th call - XX/XX/2020 10th call - XX/XX/2020 On each occasion I was on hold for approximately 1 hour only to be disconnected before reaching an agent. I after attempting to reach someone over the phone I visited my local Wells Fargo branch on XX/XX/2020 in XXXX Oregon where I was told that nobody at that location could assist me with my mortgage account. I was provided the business card for a Wells Fargo mortgage banker and told to contact him. When I contacted him I was told that he can only assist with originating new loans and can not provide service for existing loans. He directed me to call the phone number that I have previously tried to reach someone at. I am at a loss for how to reach someone to assist with my issue. 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 monetary relief
Consumer complaint received 2021-11-02
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account, I.C. SYSTEM, INC Acct. No. XXXX, is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to The Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2022-10-08
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Unreconized credit inquires i did not allow are the following XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with the XXXX XXXX regarding options to save my home for the last few months. I have provided all the information they requested and am being told there is nothing that can be offered to me. I have never been assigned a point of contact and when calling I am always getting different answers from the representatives there. I am facing a foreclosure sale date and they are treating me as though I have no options and are proceeding with the foreclosure. I feel my rights have been violated and that I am one of the the many other homeowners who are facing this exact predicament. The people who can help me save my home are in fact not trying to help me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I submitted a complaint BMW financial -- -see file. The response is a single payment > > {$28.00}, XXXX by next month XX/XX/2022. This is not a viable option for me and I can not meet this one payment offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
remove the fraud alert on my accounts XXXX  transunion and 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 2020-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 AM A VICTIM OF IDENTITY THEFT, SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING FRAUDULENT ACCOUNTS IN MY NAME : XXXX OPENED : XX/XX/19 XXXX. XXXX XXXX  XXXX OPENED : XX/XX/19 XXXX. XXXX XXXX  XXXX OPENED : XX/XX/19 XXXX. XXXX THE FOLLOWING FRAUDULENT INQUIRIES WERE ALSO OPENED IN MY NAME : 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 2019-10-24
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been hit with identity theft both from the dark net, and from credit card breaches that occurred at both XXXX  and XXXX XXXX, so I keep a close eye on my credit score. On XX/XX/2019, I noticed a couple of creditors had appeared that I either had not done business with or were reported incorrectly on my credit bureau through Experian. Those accounts are : - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX I sent Experian a letter on that same day XX/XX/2019, through certified mail with a signature return receipt ( attached to this complaint ). 

On XX/XX/2019, I received a letter from Experian stating that they updated 2 of the accounts, and that all 4 of them remain on my credit report ( attached ). Then on XX/XX/2019, I sent Experian another letter through certified mail with a signature return receipt ( attached ) asking them to either provide proof of their verification method in accordance with federal law, or to delete these incorrectly reported items from my credit report. 

On XX/XX/2019, Experian sent me a one-page letter ( attached ) stating that they have reviewed the re-investigation, and determined that these accounts will remain on my credit file. They did not provide any proof of how they verified these 4 accounts listed on my credit report. Then, on XX/XX/2019, I sent Experian a final letter ( also attached ) via certified mail with a signature return receipt. This letter was to give them notice that they are violating 15 USC 41, 1681i ( a ) ( 2 ) ( B ), and that they were to provide me with their method of verification of these creditors or delete these items from my credit report. I also informed Experian in my letter that I intended to file a complaint if they did not comply with their requirements in reporting accurate information on my credit report. 

So finally, on XX/XX/2019, Experian sent me another letter stating that they verified the information on my credit report, but again provided no method of verification that they used. As of right now, these 4 items remain on my credit report and need to be removed.

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 2023-05-08
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:
There are inquiries on my credit report in which I didnt authorize and is in violation of my civil rights please remove. 


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 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 2017-10-18
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX paid in error 2 years in a row. I have called and emailed twice this year. Last year the same and told it would be taken care of. 

I am due 2 years flood back pay. The flood is part of hoa, XXXX floods not needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Pennymac loan services consistently misapplies my payments leading to calls from debt collectors who have told me on multiple occasions not to change my payment frequency ( twice monthly ). I pay a little over half of my payment twice a month to align with my regular paycheck. They continually misapply the payment and then hound me. They are the worst mortgage company I have ever had.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 reached out to your company personally about the issues prior to and also made calls to the company itself. My identity was bought through a " blacklist '' over the internet several times and more and more inquiries and purchases are being done. I have attempted almost a year ago to freeze my identity and credit. I was also informed by my consult that this company has added inquiries to my report due to some lash or glitch in the system

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi, my servicer MR. COOPER will be violating my California Home Owners Bill of Rights and other laws and are making fraudulent foreclosure sale on my property if they proceed. 
I have mailed in a complete Request for Mortgage Assistance package with everything that MR. COOPER needs and requests to have deemed a completed package. 
Friday MR. COOPER representative advised that they have received a completed packet and it went to the underwriters on XXXX/XXXX/XXXX for review. 
Also they have not yet removed the foreclosure sale date which is scheduled for XXXX/XXXX/XXXX while the review is in process. 
MR. COOPER is saying that there is no sale date and the sale is placed on Hold but when calling and looking online it shows its still scheduled for XXXX XXXX, 2017. 

They will clearly be in violation of the California Homeowners Bill of Rights and other laws as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I dont know what wrong with the edd debit card, I tried to get into my account and its not even letting me in at all I called boa no better response I got up to XXXX grands in that card

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 2019-09-17
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:
Equifax is incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX XXXX partial account number XXXX. ( Please see pages XXXX and XXXX attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this issue, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Experian Information Solutions 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, I AM NOT LIABLE TO ANY TRANSACTIONS MADE ON THESE ACCOUNTS. BECAUSE OF THOSE NEGATIVE ACCOUNTS IT HAS CAUSE GREAT HARM TO MY CREDIT AND SCORE. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT ACCOUNT.

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 2019-03-08
Company: Experian Information Solutions Inc.
State: AL
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 was advised to contact you regarding items on my credit that are not mine. I went to get a loan from my credit union and they was only able to approve me for a small amount due to items on my credit that are not mine. I have been with this credit union for 8 years and even have my car with them. Please have the items removed from my credit The accounts im talking about are XXXX XXXX XXXX, XXXX and XXXX/XXXX. I have reached out to the FTC and my local police department.

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