BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am submitting this CFPB complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$590.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been 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 2020-10-29
Company: CL Holdings LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My loan thru XXXX XXXX was closed and marked paid in full on my credit report two months latter a company call Jefferson purchased this loan and imidiantly put it on my credit report and a collection I filed a dispute and it was removed. Today two months latter it has been re added with a start date of today. I have never received notification of Jefferson on this and have never done business with them. I am trying to refi my home and this most likely will get that denied because of this. As a XXXX veteran it is tough enough to survive but this is has became a direct violation of the law and my rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-24
Company: SYNCHRONY FINANCIAL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2020 i received notificaitons from several different credit monitoring applications i use that a hard inquiry from PP/sync had appeared on all 3 of my credit bureaus. I contacted the creditor and learned that some type of online had been approved for me in the amount of {$750.00}. I informed them that I DID NOT apply for any form of credit with their company and that this was a fraud. They advised me that the line of credit was opened online and that my name and ss # were used however the address and phone did not match mine. He assured me that the line of credit had been closed furing our call, and it had not be used as of yet. He stated that they would begin a full investigation. I immediatley contacted all 3 bureaus and put a credit freeze and fraud alert on my social. 3 days later XX/XX/XXXX I again begin receiving notificaiton from my credit monitoring companies. The account had begun reporting on my bureau with a {$30.00} balance dropping my credit score significantly. I called back to learn that the first fraud specialist i spoke with had actually NOT completed my claim and the account was not closed. Now for the second time, I'm to trust that this creditor is handling my dispute properly

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 2023-07-25
Company: B&F Finance Corp.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My aunt my stepsister or step father or the loan company tried to steal money and entered the wrong information using fraudulent account information

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My Navy federal Bank checking account is in a negative of {$20000.00} due to someone depositing false checks into my account and my bank charged {$990.00} on my account 4times everyday until it got all the way too XXXX  so I filed for a fraud claim and they did a terrible job at helping and said I am responsible for the debt when I never deposited these false checks. Someone basically scammed me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance of my mortgage XX/XX/2020. Navy Federal has still not closed on the refinance 6 months later resulting in unnecessary interest accumulation. Navy federal stated they were poorly staffed and couldn't handle all the request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have called numerous times asking Trans Union to freeze my credit report. They have yet to do so even after 4 separate calls over the past month, starting in XX/XX/XXXX up until my most recent request on XX/XX/XXXX. They have an online method for freezing credit reports. Every time I try to access that it does not work. The online page states that this service is available TransUnion : Monday-Saturday, XXXX XXXX.-XXXX XXXX. CST Sunday, XXXX XXXX.-XXXX XXXX. CST I have tried multiple times and multiples points in the day and have tried multiple times during the past month. The online freeze request always comes back as not available at this time. I have a screenshot showing it stating " TEMPORARILY DOWN ''. It is always down. When I call to inquire about this, they just bounce me from person to person. I have no idea who to send a letter to in this regard. I could only find the Fraud Assistance Department mailing address, so I did send a letter there. No answer My score continues to go down and down because companies keep hitting my report. My only recourse is to block this / freeze the report and they do not seem capable of making that happen. I believe it is my right to have my report frozen and I should not have to ask for over a month and still be asking.

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 2020-05-19
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
California Business Bureau is reporting a medical bill to XXXX  that I believe was fraudulently incurred by someone I know using my information. I did not believe I incurred this bill and I have informed them ( disputed the bill ) in writing. They acknowledge that dispute on my credit report. They claim the dispute is resolved but it was not. 

I believe California Business Bureau has violated numerous laws and continues to willingly do so. 

It was already on my credit before they even attempted to communicate with me let alone validate it properly. This is a violation of the FDCPA. I have a right to have a debt validated BEFORE being reported by a 3rd party. 

During the dispute process I requested validation of the debt. This was done in writing. I have never received a response to my request for validation. Failure to respond to a request for validation is a violation of FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX and if this is not removed I intend seek damages. 

The only thing I have received is a single bill with very little information about the alleged bill. They have refused to provide a detailed itemization sufficient to show that the debt was valid, that contains enough detail to meet the standard established by case law Fields v. Wilber Law Firm, XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX ... They have not given me proof that the collection company owns the debt/or has been assigned the debt. This is basic contract law. They have not provided a copy of a statement from the original creditor. 

I believe that it was retracted by the original service provider and has a XXXX balance for quite some time now and they continue to knowingly report it inaccurately which is a violation of FCRA Section 623 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( XXXX No. XXXX ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hello, as we all have endured in XXXX  we all experienced XXXX. In this economy shut down we received impact payments. I never received my first impact payment of {$1200.00}. The IRS indeed shows they sent it but the bank consumers do not have any recognition of this. I have been dealing with this situation for 2 years and I have a routing number and a XXXX digit bank account number to where the funds went to that was not my account or the state that I live in. I would kindly like to get this solved for the issue still stands.

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 2023-01-02
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Good morning paypal, My account has place a limitation without any reason. 
XXXX. 
I never submit my ID, after i change my password the account was permanent limited. 
I dont understand what happend, it nothing wrong on my account. 

I will glad paypal help me to resolve this issue. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I contacted BB and T on roughly XX/XX/2020. In reference to atm issue. I am a 30 year XXXX. I quoted the Frank/Dodd act and the agent denied me access to supervision. Before the agent hung up on me ... With me KNOWING THE FEDERAL LAW AND QUOTING IT ... a supervisor on the corporate escalation department refused legal request for FIRST name and ID number. As I am a five year XXXX XXXX XXXX, I dont do well with a BANK LYING TO MY FACE WHEN I QUOTE FEDERAL LAW. Then on XX/XX/2020. I receive a what I would call an illiterate documented Certified letter. Although this letter was sent to my Dead Grandfather XXXX XXXX, I opened the letter to find out that they have reviewed my acct. as and I dont have millions of dollars deposited into my account. They have TAKEN RETALIATION AND CLOSED MY ACCOUNT, all with no notification, no mention of their blatant violation of us law and callous attack. I Returned their letter as it was not signed, therefore not legal. And on XX/XX/2020. I withdrew all of my funds and left XXXX to keep it active. This was a pure calculated, callous action, as obviously BBT doesnt train accurately or they just dont give a XXXX about federal law. I want retribution for their arrogance and retaliation and blantant offense on someone who knows more than theyre so called customer liar service. Please ENFORCE THE LAW. SO DO SOME DUE DILIGENCE. Listen to my recordings making LEGAL REQUESTS AND BEING DENIED BECAUSE IF EMPLOYEES dont like to lose control of a conversation, THEY VIOLATE THE LAW. DO SOMETHING PLEASE OR ADVISE WHOM I MAY SPEAK TOO. To get ACTION, not words. Thank you in advance for your time.

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 2020-10-16
Company: Experian Information Solutions Inc.
State: LA
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 and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX, XXXX # # # # # # # # # # # # # # # # XXXX {$1500.00} XXXX XXXX # # # # # # XXXX {$260.00} XXXX XXXX XXXX XXXX # # # # # # XXXX {$730.00} XXXX  XXXX XXXX # # # # # # # # # # # XXXX {$1900.00} XXXX XXXX # # # # # # # # # # # XXXX {$660.00} Inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX M XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, LA 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 2019-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
i contacted BOA onXX/XX/XXXX19 asked why they withdrew - {$24.00} from my bank account even though i am not set up for auto pay good thing they did not overdraft my bank account. Also when i called back XX/XX/XXXX19 their auto ivr system says 30 mins to 55 mins to speak to a representative. this is unacceptable. I feel the bank is being negligent.

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 2021-02-23
Company: EQUIFAX, 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: Account information incorrect

Complaint:
THESE ACCOUNTS ARE INCORRECTLY BEING REPORTED ON MY PROFILE. I DONT HAVE ANY MISSED PAYMENTS. THESE MISSED PAYMENTS ARE CAUSING ME HARDSHIP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: EQUIFAX, 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:
: XXXX XXXX Dispute this Social Security Number : XXX - XX - XXXX Show Dispute this Date of Birth : XX/XX/XXXX Dispute this ADDRESS INFORMATION Current Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous Address XXXX FM XXXX XXXX, XXXX, TX XXXX Dispute this Previous Address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Dispute this OTHER IDENTIFICATION No information available on file. 
OTHER NAMES Name : XXXX XXXX XXXX Dispute this Name : XXXX XXXX Dispute this EMPLOYMENT INFORMATION Last Reported Employment : XXXX   XXXX XXXX XXXX Dispute this Previous Employment : XXXX XXXX XXXX Dispute this Previous Employment : XXXX | XXXX Dispute this ALERTS names and address not mine inquires XXXX  XXXX  | Date of Inquiry : XX/XX/XXXX Dispute this XXXX  XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX | Date of Inquiry : XX/XX/XXXX Dispute this XXXX  XXXX   XXXX  | Date of Inquiry : XX/XX/XXXX Dispute this XXXX  XXXX   XXXX, XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX  - XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: American Financial Network Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I have experienced extremely poor service. The first instance was difficulty in securing an appraisal, this process was delayed which resulted in jeopardizing my ability to complete an inspection within the 3-week window of having funds transferred to escrow. Next, I have received multiple conflicting and inaccurate closing disclosure documents. The first is dated XX/XX/20 where I noticed that the sales price of the home was incorrect. The second dated XX/XX/20, inaccuracies were detect by me that included the loan amount. Finally, another disclosure was issued XX/XX/20 where the mistakes appear to be corrected however I feel extremely uncomfortable working with this leader following the blatant negligence. More importantly, on Friday XX/XX/20 I spoke to a manager regarding my concerns that these errors will result in delaying the close of escrow as well as my document timelines. To which I was assured that the closing disclosures would be corrected the same day and resent however this did not occur. Also, a nominal fee reduction was discussed and is not reflected on the XX/XX/20 disclosure. Escrow was expected to close XX/XX/20 however due to this company mistakes, I am at risk of my rate lock expiring and losing my {$3000.00} escrow deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: EQUIFAX, INC.
State: AR
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 mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: STATE EMPLOYEES CREDIT UNION
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: Account status incorrect

Complaint:
The State Employees Credit Union, this is reporting the wrong information that is inaccurate. This is an inquiry that I did not consent to and its reporting on my credit report where its stopping me for obtaining credit at different places, I would like ; this to be removed from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX is reporting a private student loan that is past the time that the debt can be reported to my credit file. The total due is {$5500.00}. I have not had a private student loan since I was in XXXX college ... which was XX/XX/XXXX-XX/XX/XXXX. IF this is that same debt, this debt is past the time it should be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-23
Company: Nelnet, Inc.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is a student loan account. All student loans by government in order are to be in automatic forbearance/deferred whatever you want to call until XX/XX/XXXX. 
Nel Net has been wrongfully reporting my payments as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Statebridge Company
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have tried to have the bank process a modification application for us, for over a year now! We have sent several applications, the last pa jags was sent off in XX/XX/2020. Since we sent off the modification application, we have not heard from the back, neither by letter nor phone calls. We have been calling at least Ive every week in the past month, and everytime we call, the automated system asked us to hold and that we will be answered in less than one minute. However the wait had been from 1-2 hrs and each time we have to hang up because no one answers the phone. So we do not know what is going on, nor the status of the modification application.

Company response to consumer: Closed with explanation