BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Around XXXX pm on Tuesday XX/XX/XXXX I tried to deposit {$1000.00} cash into a Huntington bank ATM on XXXX XXXX and XXXX XXXX in XXXX Michigan. The atm pulled my money in and locked my card into the reader where it would not come out. It didnt deposit the money and an error screen came up. After a few minutes it released my card and the error message disappeared and another message came up saying that no other deposits were unavailable. It wouldnt release my money and there was nothing else I could do. I called the police and made a report and contacted the bank and opened a case, received a case number and was assured that an investigation was going to happen. The bank did not reimburse me or contact me to give any update and I am still out of {$1000.00} totally unavailable to me and I am struggling to make ends meet. It is very upsetting and discouraging. I feel scammed and robbed by this bank. Please help return my money to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-01
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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: NE
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

1. XXXXXXXX XXXX Account Number : XXXX Bal : {$4800.00} 2. XXXX XXXX XXXX Account Number : XXXX Bal : {$100.00} 3. XXXX XXXX Account Number : XXXX Bal : {$840.00} 4. XXXX XXXX Account Number : XXXX Bal : {$2800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent a request to TransUnion via certified mail return receipt on XX/XX/2021 and it was received on XX/XX/2021 ( Tracking # XXXX ) and I let them know there was incorrect inquiries reporting on my credit report. Those incorrect inquiries negatively impacted me while trying to obtain a mortgage. I have attached the request sent ( Transunion Dispute Letter.pdf ). Transunion elected to completely disregard my rights to an investigation under FCRA and instead sent the attached letter ( Transunion Response to Credit Dispute.pdf ). Given that more than 30 days have passed since they received proper notification and have failed to conduct an investigation into the incorrect inquiries I am requesting that Transunion remove all requested inquiries from my credit report and send an updated credit report reflecting the changes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
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: Information belongs to someone else

Complaint:
This is not my XXXX XXXX XXXX card, I have been experiencing issues with my dad 's debts being wrongfully associated with my credit. I am XXXX XXXX XXXX XXXX, my dad is XXXX XXXX XXXX XXXX ( XXXX ) I do n't know if this is his card, or if it is a card someone has fraudulently opened in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
It looks this DEBT COLLECTOR company XXXX XXXX XXXX XXXX Has engaged in an ongoing collection activity even after Their sent me a letter stating they will cease all communications tactics as it goes for phone calls and mail, I just received from this company a letter in XXXX with a date as XX/XX/XXXX, It contradicts about the letter the sent to CFPB on XX/XX/XXXX. 
I stated once more the amount of {$900.00} they claimed I owed to CITIBANK NA Its been disputed, CITIBANK NA in its letter dated XX/XX/XXXX says did n't know the amount was disputed in XXXX, I will inquire a CFPB regulator to look into it, If CITIBANK NA did n't know in XXXX why they still market this Alleged debt with another Debt collector company, I believe now CITIBANK NA has engaged in some violations to the FDCP Practices and the CFPB should fine them for those violations. They knew this alleged debt were dispute in XXXX. I 'm attach proper exhibits to support my claim. 


I will include on this letter a formal dispute with CITIBANK NA for the Marketing Tactic to have one or more Debt Collectors harassing me for a Disputed debt, I rejected it as a valid one.

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 2022-10-09
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: Account information incorrect

Complaint:
XXXX has been reporting a fraudulent account on my credit profile for 7 years as a charge off. Theyve been supplied with a police report, as well as an identity theft report and the information has not been removed. They are also in violation of the reporting term. For any closed delinquent account of 7 years it should automatically be removed from your credit report, and is still reporting on mine. This account is also a charge which means they received a tax credit from the IRS on the account with form 1099 C and the account balance should be XXXX. They are no longer legally able to collect on this account. 

XXXX XXXX is reporting a charge off with a balance of {$7000.00}. This is incorrect the balance is XXXX as the account has been accommodated for by the IRS via a XXXX form. This account has also been paid in full since XX/XX/2022 and was overpaid so a check was sent out for {$30.00}. Theres been no late payments on this account and the balance is XXXX. 

XXXX XXXX payment history is incorrect and no later payments have been made.

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 2019-02-07
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX 2018 XXXX XXXX d.b.a. Ally Bank decided to close my account ending in XXXX without specifying a reason and deposit the {$0.00} in my checking account ending in XXXX. XXXX the floor supervisor stated that my checking account ending in XXXX was also in Jeopardy. The bank is relying on the catchall clause regarding its right to deny service for any reason. I have been an account holder for 10 years. My XXXX check goes to them. They stated that I had no right of appeal and offered to forward the XXXX check. The current checking account balance is 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 2019-08-18
Company: SYNCHRONY FINANCIAL
State: VA
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:
Synchrony bank placed 4 hard inquiries against me in 2 weeks. 3 were on the same day. No clue why....? They wont respond.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I tried calling Navient at XXXX about my student loan where the caller keeps getting automated menu responses after a lengthy period of time - there is NOTHING ON THE MENU to connect the caller to a real person. When I finally was able to connect I asked who & where I was talking to the person would not give me their name and said they were from XXXX ( would not give specific country ) ; additional they had difficulty articulating in the English language. I asked multiple times to be connected to the UNITED STATES - each request was denied. I do not trust giving my information to someone overseas and I heavily object they have my information as well as that of other students. 

Navient needs to provide, without delay, a phone number that connects the student borrower to an actual person in the United States. 

This is highly unacceptable and there should be legislation preventing this from happening. 

I DO NOT AUTHORIZE THE " CONSUMERS FINANCE PROTECTIO BUREAU '' to release my email to Navient whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: The Receivable Management Services LLC
State: PA
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:
Company has unlawfully reported unauthorized information to the credit bureaus, which is illegal and inaccurate

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 2023-07-22
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am not sure exactly what options for what this problem categorizes under. My problem is with Navient collecting on a private consolidation loan that should be discharged in bankruptcy. I am the cosigner of a private consolidation loan through Navient for my daughter. I have gone bankrupt in XXXX and she has gone bankrupt in in XXXX and XXXX. Yet Navient continues to collect on this loan despite being sent discharge orders from myself and my daughter. My daughter has continued to pay as to not ruin hers and my credit. My lawyer automatically said that since its a student loan it can not be discharged in bankruptcy unless you prove undue hardship which I know is virtually impossible to do. Upon hearing this, I brushed it aside much like my daughter did because it is widely understood that student loans cant be discharged. My daughter is also a full class member of the XXXX XXXX XXXXXXXX lawsuit and is in the process of getting her federal loans discharged. The schools she went to are the former XXXX University and former XXXX XXXX XXXX both of which have closed and are on the list of schools included in the lawsuit. I recently read an article the CFPB has written about heightening its scrutiny against private student loan servicer on people who have gone bankrupt. I have attached the article. I am not sure if I am allowed to attach bankruptcy discharge papers which has personal information on it but will send it upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I submitted a complaint to the CFPB -- XXXX. Bank of America responded that they needed more time to investigate. Bank of America sent a very short two paragraph response to me flatley stating the information on my report is correct. Bank of America did not send the response to the CFPB. Bank of America did violate a settlement agreement by failing to correct the credit reporting per the settlement agreement, and instead completely deleted the entry, per the original complaint. This complaint also alleges that Bank of America used the response that it needed additional time to respond to sidestep having to respond to the CFPB about the complaint, avoiding a response to the CFPB entirely.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
This was my first complaint submitted to CFPB : XXXX XXXX issued me a check in the amount of {$7500.00}. I never received the check. When I inquired about the check, XXXX XXXX stated that the check was cashed at Wells Fargo. I do not have a Wells Fargo account. I have called Wells Fargo on several occasions, but because I do not have an account with them, they told me that they could not help me. They then advised that I go to XXXX XXXX to file a claim with them. I contacted XXXX XXXX on numerous occasions. In one instance, they told me to complete a form and return it to them notarized, which I did. But when I inquire about the claim, they will give me the run-around, or worse yet, just ignore me. I have even gone down to the police station to file a claim, but they told me that they could n't help me, and to go talk to XXXX XXXX. 

Wells Fargo stated that they could not help me, and directed me to go to XXXX XXXX for help. I understand that XXXX XXXX is the one who issued me the money, but it was Wells Fargo who cashed my check to someone else. My check was not a small amount. Wells Fargo needs to do their part to find out who they gave my money to, and reimburse me because they are the ones who erred, not XXXX XXXX. Wells Fargo, needs to take responsibility for failing to cash the check to the right individual. If Wells Fargo was going to simply ignore my request for help again, why did they have me complete a notarized affidavit stating that I did not receive my money?

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 2023-07-22
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I had not checked my credit report in years, however I recently obtained a copy of my credit report and found several accounts that had been opened in my name without my knowledge, authorization or approval. I have never had XXXX nor have I ever given authorization for any third party to open a XXXX account in my name. Whatever services XXXX previously opened in my name was a direct result of identity theft. I did now open or use this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: HW Holding, Inc
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company called me sometimes up to 5 times a day even though I had told them to stop. I was never notified what they were calling about and thought they to be solicitors and told them to stop harassing me. They never notified me of any debt by letter and because I didn't know what they were calling for either. They reported debt that's excessive without first notifying me properly and have threatened to sue me and I'm on XXXX XXXX and have no other income. My wife XXXX XXXX XXXX has an income and was a resident and should've been contacted about this debt. To report only my debt when my wife was involved and lived with me is bs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: ONLINE Information Services, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTACHED IS DEBT VALIDATION LETTER I don't know what account this is and how this company got my personal information which they commited identity theft to get that. I also don't have a contractual obligation to pay this fraudulent account Online in XXXX XXXX # XXXX *Please see attached documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
My credit card company ( XXXX XXXX XXXX XXXX ) says the account has been closed since XX/XX/2016. XXXX reports the account as open.

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 2023-01-31
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
On XX/XX/XXXX I initiated a dispute to remove inaccurate personal information such as names at least XXXX different variations and or innaccurate names are listed, addresses at least XXXX differnet addresses and or inaccurate addresses are listed and phone numbers that LexisNexis was furnishing. On XX/XX/XXXX LexisNexis sent me results of the reinvestigation. They gave me access to an updated consumer report that was suppose to reflect the changes of the items that were deleted but nothing was done the report was the exact same one as before. The reinvestigation results don't say which personal information it pertains to but I will attatch photos for you all to see. On XX/XX/XXXX I initiated another dispute to again remove inaccurate personal information such as names, addresses and phone numbers that LexisNexis is furnishing. On XX/XX/XXXX LexisNexis sent me results of the reinvestigation. They gave me access to an updated consumer report that was suppose to reflect the changes of the items that were deleted but nothing was done the report was the exact same one from the previous XXXX. I called and asked why do they continue to furnish inaccurate personal information when I asked XXXX for it to be deleted I was told it is nothing they can do but for me to put in another dispute. I don't know what thorough investigation they are conducting but they continue to furnish inaccuate personal information and it makes me very uncomfortable that they refuse to delete it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: InDebted Corporation
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: Account status incorrect

Complaint:
XX/XX/2023 I paid {$44.00} to the collection company XXXX XXXX for XXXX XXXX ). It was only reported to one of the credit bureaus. Its now XX/XX/2023. I have contacted them through emails, over and over asking them to report to other credit bureaus to show its been paid. No one has reported anything. They dont read emails that Ive sent to them. I just received a response to my email this afternoon and it says this account has been paid and that they are no longer managing this account and to contact XXXX XXXX Ive contacted XXXX XXXX months ago and they told me I need to contact the Collection agency. Back and forth, back and forth. Im trying to clean up my credit reports and its completely wasting my time going back and forth and it still doesnt get resolved. Im hoping to get this fixed. I have several emails showing the times Ive contacted them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
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:
Its my second attempt to ask for your help as I have fake accounts in my profile. I do not know these accounts and I do not recognize them They are not mine. Please delete them finally otherwise I will keep writing to you every month as I can not move on in my life financially. Its killing my plans

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