BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-28
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:
There are two accounts on my Equifax credit report that do not belong to me. I have previously disputed these accounts directly with Equifax however they were not removed. I was told by Equifax to contact the creditor directly to continue my dispute. I contacted both creditors who have agreed to remove the accounts from my credit report as they were not opened by me. The first account is ARMED FORCES BANK opened on XX/XX/XXXX and the second account is XXXX XXXX XXXX opened on XX/XX/XXXX. This new information is required to reopen the dispute into these two accounts. The new information is that both creditors have agreed to remove the accounts from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting 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/2023 I went to dealership to look into purchasing a vehicle. I noticed my wallet was missing. Later that day I discovered that the wallet was not inside my home either. I went immediately to check my credit and noticed there were all kinds of fraudulent activity going on my report. I immediately went to the police to report the activity I notice. I then began to send the credit bureaus the police reports and identify theft reports to get these things removed, and they never responded to me at all. These fraudulent activities are holding me back from purchasing a new home and vehicle.

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 2020-01-08
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XXXX of XXXX, I fell behind one month in paying my mortgage. I called Huntington Bank in XX/XX/XXXX to see what my options were and I was offered a " hardship '' solution where the mortgage company would split the missed payment and add it to my subsequent 6 payments and no late fee would be assessed. I was told that the payments would be reported to the credit bureau 's accordingly ( not fully knowing what this meant ). I accepted the payment arrangement and made the payments that included the current months payment and a portion of the missed payment under the assumption that the payments would be reported as current for the month it was submitted. 

In XX/XX/XXXX, I wanted to start the process for refinancing the house and pulled my credit report. Huntington Bank reported the months I was in the payment plan as " late '', negatively impacting my credit reports. I filed a complaint with the bank, requesting a copy of the terms of the payment plan as to where I agreed to the adverse affects of the " hardship '' program and that the payments be updated to " current '' for the months that were submitted on time. 

On XX/XX/XXXX, Huntington completed its investigation and concluded that they do not have a terms agreement to share with customers that spells out the consequences of the hardship programs that they agree to, they deliberately DO NOT inform customers of the true negative reporting to the credit bureaus, and they will not be updating my credit report. The agent did think that it would be a great idea to provide a copy of the terms to customers as they enter these payment plans. 

I believe this practice to be absolutely misleading and dishonest by the lender, thus violating the Truth and Fair Lending and The Fair Credit Reporting Act. This practice is extremely harmful to the borrower as late payments are especially harmful to their credit profile, costing them more in interest rates as well as flat out denials. Also, although Huntington believes themselves to not be discriminatory, this practice is heavily inequitable to poor and lower-middle class families as poor credit history negatively affects their financial wellness than higher income families. By withholding pertinent information, especially the fact that they will report your account as late for however long you are in the " hardship '' program, they are causing more harm than help to the people who need the assistance the most. I am totally appalled that Huntington Bank, and any other financial institution, thinks these types of practices helps their customer. I will be refinancing with another institution and discouraging others from banking with Huntington Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: Morgan & Associates, P.C.
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XXXX I got letter from Morgan XXXX  pc the debt collection lawyer group saying they are collecting money for XXXX XXXX XXXX XXXX, XXXX but sent the account statement that has XXXXXXXX XXXX XXXX XXXX For {$5800.00}. I replied I do not owe money to XXXX XXXX XXXX XXXX XXXX and I dont even know that company. Morgan XXXX pc sued me on XXXX XXXX XXXX. I went through 3 hearings asking judges prove the evidence by contract of assignment assignor to assignee judge said its out of her power to ask such evidence to opposing counsel. Finally without even other evidence I requested judge ignored it. And gave other party summary judgment. I am requesting FTC to sue the debt collector or company due to not using own name which are the rule of FDCPA statue 15 USC 1692 803 ( 6 ). I asked who is the Real party in Interest in Hearing also affiant on Affidavit her prove of employment but judge overruled me which is violation of Due process 14 th amendment in our Constitution. Small courts judge dont care taking side on debt buyers favoring them. I spent well over {$700.00} dollars or more on this hearings getting transcripts court fees alone not counting money I spent on consultation from friends. Not counting ours and ours of writing answers to file at the court and missing work. The things I mentioned above for evidence was all in the state courts statue yet judge ignored it thats fraud upon the court by the court.Morgan XXXX pc sued me on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Telsa Motors Inc
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX XXXX, 2021, I purchased the vehicle at the end of the lease agreement through my own bank. Tesla Finance has an overpayment which is owed to me in the amount of {$5000.00}. Tesla refuses to refund the money owed claiming they are backlogged. The vehicle last XXXX in the VIN number is XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
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: Reporting company used your report improperly

Complaint:
I reviewed my credit report and found three inquires from XXXX XXXX. The dates of the inquiries were XX/XX/2021, XX/XX/2021, and XX/XX/2021. I did not authorize these inquiries. I reached out to XXXX XXXX directly and they agreed to remove the inquires from my credit report but the credit reporting agencies have not removed them. I have attached the letter to this complaint that I received through the CFPB from XXXX XXXX regarding these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
It has come to my attention that your company has been providing unauthorized information on my credit report. I have identified several inaccuracies in the report, and I insist that these discrepancies be promptly removed and deleted. The impact of these errors on my financial standing is causing me undue stress, and I am eager for their swift resolution.

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 2022-01-28
Company: Advanced Resolution Services 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: Investigation took more than 30 days

Complaint:
XXXX, I contacted XXXX XXXX XXXX XXXX over 30 days ago to give me the proof that my accounts were actually charge offs/write offs as displayed on my credit reports and they never did. But since I'm not representing myself as a lawyer I feel that I'm being ignored. The reporting bureaus with the exception of XXXX did not delete these charge offs/write offs as by law were expected they just waitedXXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX and XXXX XXXX  ; I want these charge offs/write offs deleted from my credit reports ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Navy Federal Credit Union has violated the Equal Credit Opportunity Act by using false, misleading and discriminatory tactics to obtain and use consumer reporting agencies to denial rightful extension of credit. 

I provided private information at the time which I was made to believe was required in order to obtain a loan. I later found these requirements violated the ECOA, Privacy Act and the Consumer Credit Protection Act. I have a right to privacy and I was coerced into giving up that information. 

I am now demanding return of application submitted and recession of signature given because no consideration was given in exchange for my collateral. I demand that Navy Federal provide verification in sworn affidavit form of verified negative items on consumer credit report. I demand an affidavit of facts for denial of extension of consumer credit after taking application for use. 

I am seeking for damages as credit is a right and using unverified and inaccurate information to deny me that right is damaging to the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My student loans show deferred with payments to begin XX/XX/2025 yet my student loan account is paid in full see photo attached.

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 2020-01-08
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1100.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: Credit Service International Corp
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I checked my credit report again today and I noticed that this company is still reporting this account on my credit file that has no verification or notices according to FCRA to be on my credit file. 
They have not sent me anything in reference to this account they have just placed this account that don't belong to me on my credit file. 
Account disputed/ Inaccurate / violation of FRCA : This account is in violation of the U.S Codes listed below : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements ( b ) Opt out - provide original copy of notice sent to me 21 days prior to account being updated ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) The consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Though these credit bureaus have been notified they're reporting inaccurate information they still continue to do so and have not been given MY permission to furnish this inaccurate information on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: Synovus Bank
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My issue is fees are charged when transactions accounted for process because I hit a XXXX balance. Not new transactions that exceed my balance.it has been several XXXX several times the last 9 months. Not just transactions that actually exceed my balance but the same ones accounted for that process days after the hold for my balance.im not actually exceeding my balance in most cases but it charges fees anyhow. I have actually overdrawn and I expect those fees. Not the ones that never actually exceeded my availability.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: DISCOVER BANK
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:
My name is XXXX XXXX, and my current Discover card account number is XXXX XXXX XXXX XXXX. I have experienced unauthorized and fraudulent activities on my account, and I am seeking your assistance in investigating and resolving this issue. 
The unauthorized transactions in question occurred as follows : 1. On XX/XX/XXXX, an amount of {$2500.00} was charged to my Discover card ending in XXXX. 
2. On XX/XX/XXXX, another unauthorized transaction amounting to {$2900.00} took place. 
3. On XX/XX/XXXX, a third unauthorized transaction occurred, totaling {$2200.00}. 
I wish to emphasize that these transactions were conducted without my authorization or knowledge. I have not shared my card details or approved any such transactions. It appears that my identity was compromised, and the fraudulent activities were carried out by an unauthorized individual. 
In addition, I suspect that the One-Time Password ( OTP ) codes required for approval of these transactions were sent to a phone number other than mine, specifically to ( XXXX ) XXXX which I havent been using for a long time. I do not utilize this phone number for any financial transactions, and I believe that my phone number might have been compromised in the process. It is my concern that the perpetrator may have exploited this situation to create fake XXXX accounts and subsequently misuse them for fraudulent purposes. 
My daughter was always managing my payments so I wasnt aware that my cards were fraudulently swiped by someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Better Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage with Better.com XX/XX/2020. Better.com pulled my credit report and sent me a verified letter of approval. The next day, I received two more credit monitoring alerts, showing Better was pulling my credit again. I called because this was alarming, the loan officer, XXXX XXXX XXXX # XXXX told me not to be alarmed and there was a mistake. The next day XX/XX/2020, I saw received three more alerts of credit pulls from Better.com, On XX/XX/XXXX, There was another credit pull, I called better to see what the issues what, the loan officer stated, they could not obtain my credit report and had to request multiple times. I asked why I was not contacted if there was an issue and Better could not state the reason for not contacting me. Within one week, I had my credit pulled six times with Better.com, the loan officer stated not to worry since i was looking for a mortgage, all the inquiries would only show as one not multiple. Here we are 5 months later and each inquiry from Better.com shows as an individual credit inquiry. 

In XXXX, I requested Better contact the credit bureaus to let them know of the issues so the multiple inquiries could be removed, they refused to do so, although their system had an error. 

My complaint is again Better in pulling my credit multiple times and never contacting me of the issues they were having with their system. 

I escalated the issue to XXXX XXXX | Client Success Manager with Better and the issue was never resolved, I asked for a letter from the company to provide the credit bureau for removal and other creditors and never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was affected by the Hurricane in Florida in XX/XX/XXXX. I was placed in a forbearance by Penny Mac. I was told I was approved for a " streamline modification ''. I was given the payment and terms verbally by XXXX XXXX on multiple occasions, most recently on XX/XX/XXXX. I never received the paperwork and called back only to find out she gave misinformation. I am now being told I do n't qualify for a modification at all. I was told not to pay anything by XXXX and resume payments in XXXX, that was wrong information. I have spoken with multiple people to include XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX on and on. I continue to get conflicting information regarding my loan and at times no communication at all. These forbearances were mandated by the Federal Government and now I 'm being told I may have to Short Sale my house ... What is going on? This is my livelihood and it is being handled with incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The student loan servicer, Navient did not inform me of the proper steps and necessary processes to set up PSLF correctly. In particular, they pushed me to take forbearance rather than use income-driven repayment ( like REPAYE ) and likely have a payment of {$0.00} -- that's XXXX DOLLARS! -- per month based on my income and *still* have that count as a qualifying PSLF payment. They did not explain this adequately and clearly with respect to the fact that this payment plan could've lowered my monthly payment to {$0.00} for several years based on my household income. 

Due to the lack of explanation by Navient, who has a responsibility to properly educate their customers on their options and the consequences thereof, my husband and I will likely have to keep paying on my loans when they should be forgiven in accordance with the 10-year timeframe of PSLF. I believe most of my loan sequences ought to be forgiven by this year. Due to Navient 's error, I will have to keep paying despite my years of exemplary service to the public as a XXXX XXXX. 

Moreover, I have been trying for a long time now to see the notes from my own record with Navient. This request has been repeatedly refused by Navient. I should be able to access my own record to review my interactions with this company. 

In addition, due to the fact that they did not mention the need for consolidation of some of my loans for PSLF, I did not start the PSLF process for some loans until later than I would have if I had proper and complete information. 

Finally, with respect to Navient steering me toward forbearance, while it may be easier for the company in terms of paperwork, it capitalizes interest and INCREASES my total debt. As a result of Navient 's predatory practices, I have been harmed.

Company response to consumer: Closed with explanation