BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-12-01
Company: HUNTINGTON NATIONAL BANK, THE
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been working with XXXX XXXX, the branch manager, at Huntington Bank located in XXXX since late XXXX. It took me making several calls to the corporate office in Ohio and posting on the bank 's XXXX page to get help from XXXX. She was assisting me in liquidating my deceased mother 's IRA that has matured. The portion for my daughter and myself have been liquidated. However, I the portion for my son is still at the bank. I explained to XXXX that my son is currently XXXX in Texas and asked her what would be required in order for me to take care of the funds on my son 's behalf in late XXXX. XXXX told me I would need to obtain a power of attorney and provide my son 's ID. XX/XX/XXXX I e-mailed the POA and a notarized copy of my son 's XXXX XXXX. XX/XX/XXXX when I did not hear back from XXXX I reached out to her via e-mail to inquire if she needed any additional information from me as well as to inform her that I had moved and would be withdrawing the funds for my son out of the bank. About a week later XXXX called me to tell me that a state ID would be required for the withdrawal to be completed. Under the circumstances with COVID and my son being incarcerated there is no way for him to obtain a state ID. The bank has his XXXX XXXX which has his picture on it along with all the other requirements asked for my son and myself. There must be something that can be done so I can obtain the funds so that the state won't claim the funds ( escheatment ). 

I am hoping to get some assistance from your agency to help resolve this matter as there had been previous issues regarding the liquidation of my deceased mother 's funds in 2016. XXXX has been very responsive in getting the funds to my daughter and myself. However, she said that there was nothing more she could do if I were not able to get a state ID for my son. Again, this is an out of the ordinary circumstance with COVID and my son being incarcerated. However, I have the POA, notarized inmate ID, short certificate showing me as the executor of my mother 's estate, and my ID. There should be a way to annotate the account so that transaction of closing the account is well documented. 

I can be reached at XXXX XXXX XXXX XXXX or via e-mail at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$5700.00} XXXX  XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: TRANSUNION INTERMEDIATE 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:
Re to XXXX XXXX through XXXX XXXX XXXX XXXX XXXX has been successfully disputed several times on my credit report because it's a fraudulent accounts please remove also XXXX XXXX attached is a police report identifying the loans that's fraudulent.

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 2018-03-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
For years, Experian has been reporting a false account on my credit report causing my score to drop tremendously. Account : XXXX XXXX XXXX XXXX has been reporting since XX/XX/XXXX in the amount of {$210.00}. I've disputed this account numerous of times with no luck getting it removed. On XX/XX/XXXX, I sent a certified letter to Experian asking them to provide me with verifiable proof ( an original consumer contract with my signature on it ) that is on file. By law, under the FCRA Section 609 ( a ) ( 1 )  ( A ) it is required that the credit bureaus provide a physical verification of the original signed consumer contract and any and all accounts posted on a credit report. Otherwise, anyone paying for reporting services can easily fax, mail, or email a fraudulent account. By, law unverified accounts must 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 explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting 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 inquiries on my credit report that do not belong to me.

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 2023-04-01
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX  XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$650.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: EQUIFAX, 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:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX , NJ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Hello - this morning at XXXX XXXX PST, I received an email from PayPal stating the following : After review, we decided to permanently limit your account as we found potential risk associated with it. Youll not be able to use PayPal to send and receive money or shop online. Upon seeing this email, I immediately called PayPal customer service and was told by a representative that there was nothing they could do to reverse the ban and that they could not tell me what I did wrong either. I called customer service again a few hours later and received the same exact answer. 
I was never given any warning or indication that I was breaking any of PayPals rules before I received this ban on my account. Additionally, I have had this account for 2 years and have used it to buy and sell on the app XXXX all while having zero issues. I would like this matter to be investigated and for my account to be opened back up for me to use.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16
Company: Experian Information Solutions Inc.
State: PA
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 tried to get gas service to my new home on XX/XX/2020. I called XXXX, my gas company and they told me they have to do a credit check through Experion. I was informed my credit check account is locked and they can not turn on my gas. It is winter time! I tried to contact Experion via the phone but you can not reach anyone and their website will not let me file an email request to unblock my account. FTC requires I be allowed to fix a problem over the phone with credit bureaus in one hour.

I am freezing with my wife and children in my home do to a bogus account lock and there is no way to correct this issue via phone or email. Experion is in total control of financial future and heat in my home. Yet they provide no means to remedy their errors!

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 2020-12-01
Company: NAVY FEDERAL CREDIT UNION
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: Account information incorrect

Complaint:
During XXXX and XX/XX/2020 I was affected by COVID-19 and was unemployed for 3 months. Those months being XXXX, XXXX, and XXXX. This afftected by payment history with Navy Federal Credit Union in those month. Relief was seeked and it was agreed upon that this would not affect my credit reporting due to the relief under CARES Act.

As with other natural disasters and emergencies, your creditors or lenders may be willingand in some case are requiredto provide forbearance, loan extensions, a reduction in interest rates, and/or other flexibilities for repayment. Some lenders are also saying they will not report late payments to credit reporting agencies or are waiving late fees for borrowers due to this pandemic. Under the CARES Act, in certain situations, lenders are required to report your accounts as current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
I have disputed the following accounts numerous times with Equifax ; 1. XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance {$2000.00} ) 2. XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance {$3300.00} ) 3. XXXX XXXX ( Opened XX/XX/XXXX, Balance {$8400.00} ) 4. XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance {$130000.00} ) 5. XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance {$7800.00} ) 6. XXXX XXXX ( Opened XX/XX/XXXX, Credit limit {$2500.00} ).

7. XXXX ( Opened XX/XX/XXXX, Credit limit {$1800.00} ) 8. XXXX XXXX ( Opened XX/XX/XXXX, Credit limit {$6900.00} ) As allow by the FDCA I asked XXXX  to provide me with the method of verification or with any proof that shows that they verify this accounts but to this day they have ignored the law and failed to answer to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with fraud alerts or security freezes

Complaint:
I was XXXX when my credit score was negatively affected by this. I sent the proper document that I was getting in a XXXX XXXX. In addition, they mailed the bill to the wrong address. Also, the agency did manage bring the accounts back as an XXXX/XXXX   status, my credit report is still not updated and the credit score has not increased. What can be done to expedite this process for fairly correct my status?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I filed for bankruptcy in XX/XX/19 I exempted by car loan and have made regular payments. Toyota Financial Services has cashed by checks and admits that the payments have been made. However, it reported to the credit bureaus that the loan was discharged. It was not and as the company has accepted by payments, it is illogical to state that the loan has been discharged as I have not defaulted on the loan. If I ever do, then Toyota Financial Services can report the discharge. It can not anticipate a default.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: Navient Solutions, LLC.
State: WA
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 XXXX XXXX loan ( 01-01 Stafford Subsidized ) that was taken over by Navient in XX/XX/XXXX is paid off in full as agreed as of XX/XX/XXXX. I have proof from them that shows they collected and applied my on-time monthly payments to that account until it showed a XXXX balance. When they took over my loan balance was {$1900.00}. In XX/XX/XXXX I received a notice ( only one ) regarding a default and collection action. I disputed this. I don't know if they are trying to collect the original {$3500.00} ( - the $ 1900+ paid ) or what. I can't get a straight answer or proper proof of default. Navient did not send any correspondence in regards to payment amount changes or monthly balance statements. Nor was I notified of any default or intent to sell this loan to a " servicer/collection agency ''. Nearly 2 years ( XX/XX/XXXX postmark ) after supposed default and loan transfer did I receive a notice that there was a possible default via an intent to collect notice from XXXX XXXX XXXX. After I disputed this I received a response from XXXX XXXX with a copy of my old promissory note, the original amount {$3500.00} with {$1300.00} principal remaining and the last payment date of XX/XX/XXXX( XX/XX/XXXXpayment ). As of XX/XX/XXXX Navient shows the balance of this loan being XXXX after myXX/XX/XXXX payment of {$150.00}. I went to the website provided in the XXXX XXXX letter that led me to the XXXX XXXX XXXX XXXX site. At the end of XX/XX/XXXX I received a notice from XXXX XXXX XXXX regarding intent to garnish wages. I sent a response to this again disputing a balance and requested all collection actions and harassment cease immediately. As you can see there are 4 different entities ( not including XXXX XXXX  and Navient ) involved here making things very difficult, frustrating and costly both financially and emotionally. I do not run from my responsibilities. That being said I reiterate my earlier statement that this loan, as far as I can see from the proof that I have, is PAID IN FULL as agreed and was never in arrears. Please, I beg of you, help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I HAVE BEEN XXXX WEEK OR TWO CELEBRATING WITH MY PARENTS AND SISTERS ON XXXX FOR YEARS. I HAD A XXXX AIRLINES MILEAGE ACCOUNT FOR A FEW YEARS. THEN ON ONE FLIGHT I WAS OFFERED MANY MILES TO OPEN A XXXX XXXX ELITE CARD, SO I DID BEFORE LANDING. 

UNFORTUNATELY, THE TWO XXXX AIRLINES MILEAGE ACCOUNTS ARE IN 2 VERSIONS OF MY NAME AND NEITHER XXXX AIRLINES NOR BARCLAYS BANK WILL FIX IT. PLUS THEY SAY MY ACCOUNT IS " INCOMPLETE '' WITH 2 MILEAGE ACCOUNTS AND THUS I AM UNABLE TO USE ANY OF THE ACCUMULATED MILES! I HAVE TRIED FOR 3 YEARS TO GET THESE XXXX XXXX MILEAGE ACCOUNTS, ONE WITH BARCLAYS BANK, MERGED WITH ZERO SUCCESS, THO I HAVE DONE EVERYTHING THEY TOLD ME TO DO FROM FAX AN OFFICE NOT RECEIVING FAXES, TO EMAIL AN OFFICE NOT ANSWERING EMAILS TO CALLING VARIOUS PEOPLE WHO CAN NOT FIX THIS SIMPLE PROBLEM. 

THIS LAST XXXX WEEK ON XXXX AT XXXX XXXX ( THEY HAVE A GREAT WEBCAM IF YOU NEED A CHEER ) XXXX XXXX XXXX, I TRIED FOR A COUPLE HOURS FOR 2 DAYS AND GOT THE RUN AROUND, EVEN INVOLVING THE RESORT DESK CLERK FOR AN HOUR ON SENDING FAXES THAT WOULD NOT BE RECEIVED! 
MY BARCLAYS CREDIT CARD IS FOR " XXXX XXXX XXXX '', XXXX XXXX XXXX XXXX. 
AND TO TOP IT OFF, BARCLAYS ANSWERS THE NUMBER ON THE BACK OF THE XXXX AIRLINES MILEAGE CREDIT CARD AS " XXXX AIRLINES ''! OUTRIGHT XXXX. 

EACH XXXX I AM OFFERED AN UPGRADE TO FIRST CLASS SEATING FOR XXXX MILES, OR OVER {$400.00}. I CAN NOT USE MY MILES AND THIS LAST XXXX THE COACH TICKET WAS OVER {$1100.00}. I FEEL XXXX AND XXXX IN CAHOOTS OWE ME FIRST CLASS SEATING FOR MY NEXT ONCE A YEAR TRIP, AT XXXX MILES, WITHOUT HASSLE. 
THEIR MAINTAINING OF 2 ACCOUNTS IS TOTALLY THEIR FAULT AND RESPONSIBILITY 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 monetary relief
Consumer complaint received 2020-12-01
Company: AMERISAVE MORTGAGE CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to refinance my rental property ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ) with Amerisave on XX/XX/XXXX. Amerisave is discriminating against me because I am XXXX XXXX. I filed a complaint on XX/XX/XXXX regarding them not giving me a date to close on my loan, and Amerisave had a guy name XXXX contact me to say they would expedite my file but they continued to say they need documents I had already provided to them months ago. It has been 14 weeks ( 3.5 monyhs ) since I applied to refinance and Amerisave keep saying they need information I had already given to them over and over again, as a delay tactic to not give me a closing date. Amerisave said they needed to verify my employment on XX/XX/XXXX and I told them my employer said they use the work number for employment verification which I told Anerisave ten days ago on XX/XX/XXXX. They are trying to act as if the work number is not an acceptable means to verify my employment, although XXXX XXXX and XXXX XXXX underwriting guidelines states the work number is acceptable. Amerisave is giving me the run around about why they have not given me a closing date yet, saying they are working to close on my loan although I have given them everything they have asked for the same day they requested it. I am XXXX american with over 750 credit score, income and my drbt tp income ratio is no issue, but this unethical company ( Amerisave ) is delaying my closing to tack on more fees since I qualified for a 2.25 % interest rate they do not want to give to me since I am not a XXXX  man. They are refusing to close and asking for same documents or information repeatedly. I need assistance and Amerisave needs to be investigated for these unfair and unjust practices. I asked in multiple emails to speak with a higher up but they wont provide the information after numerous requests. This is shameful. I have provided all information and more to close on my loan but Amerisave won't do it because I am XXXX and they want to charge me more fees than a XXXX  man due to my race. When I first applied I was approved immediately but once I disclosed my race everything was stayed and has been delayed every since I disclosed I am XXXX. This is truly shameful.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In accordance with the Fair Credit Reporting Act Convergent Account # XXXX  XXXX Bankruptcy XXXX XXXX Bankruptcy, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. section2 : States a consumer reporting agency can not furnish a account without my written XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XXXXXXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX  XX/XX/2022 TransUnion

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