BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I am seeking legal action for dodging my financial hardship at all costs, And also on top of that report inaccurate information, to hurt my score on purpose, when i was looking into consolidation loans. 

XXXX XXXX is Telling me my Trans-union Credit report says Between XX/XX/2018 and XX/XX/2018, your XXXX XXXX XXXX student loan account balance increased by {$800.00} from {$1700.00} to XXXX My score dropped 70 points! This is inaacurate. My student loans are all current and no missed payment. When i was struggling making payments, Navient didnt lower my payment but gave me 3 months off paying.

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 2021-10-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
in XX/XX/2021 I noticed this company reporting multiple debts on my credit report. I don't know who this company is or even engaging in any business with them. I asked them to verify who they are, which contract I signed for what good or service which they provided to me and dates. They have yet to send me any valid information or method of such.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
going to XXXX can not access my transunion credit report Have tried several days now and when you go to there site you have to pay for it to access

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 2018-10-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My husband was scammed out of {$65000.00} from our Wells Fargo account in XXXX, CA on XX/XX/2018. Two wires ( both domestic and international ) and {$10000.00} in cash was taken from the account on that day and we received no security alerts from Wells Fargo that there was unusual activity in those accounts. We were able to stop one international wire for {$35000.00} the following day but filed a complaint with Wells Fargo fraud unit to recover our {$20000.00} domestic wire and the {$10000.00} that was withdrawn from two accounts that was unauthorized. We have contacted and met with branch manager XXXX XXXX  who authorized the transactions who has declared there is " nothing they can do '' to recover our money. The {$20000.00} wire was sent to a XXXX XXXX XXXX  account payable to XXXX XXXX XXXX XXXX XXXX  GA. The {$10000.00} was spent on XXXX XXXX  cards that were immediately cashed out upon receipt.

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 2021-10-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax refuse to send my free annual credit report. i filed a complaint with CFPB case # XXXX they answered this stating I must send proof of documents driver 's license etc. I sent this to them already. 
WHY ARE WE GOING IN CIRCLES?? DID THEY LOSS MY PERSONAL INFORMATION!! 

WHERE IS MY FREE ANNUAL CREDIT REPORT. THAT IS WHAT I'M ASKING FOR AND MY CREDIT SCORE. WHAT IS SO HARD. 

I SENT IN MY REQUEST WITH ALL REQUIRED DOCUMENTS. pLEASE MAIL TO MY MAILING ADDRESS. YOUR VIOLATING MY RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Navient Solutions, LLC.
State: PA
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:
This loan is not mine it should go under my daughters SS # while this is affecting me getting financially causing hardship by me having to refinance my mortgage.I continue having a low credit score with these student loans of {$47000.00}. Please remove me from all credit reporting as I should not be the primary burden of the loan. 

Thank You Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been contacting the 3 major credit bureau to have a bankruptcy remove my credit report. On XX/XX/2019 XXXX  removed this item from my credit report, than on XX/XX/2019 this agency put it right back on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I began working with my husband in XX/XX/XXXX at his business, and he would pay my expenses through his checking, usually his Bank of America account. 
That is how it has been until XX/XX/XXXX. We separated to divorce because he sold my daughter medical XXXX and she was arrested for having it. He has been threatening he will stop payments in text messages since XXXX - if I left. 

Bank of America is reversing all payments he made on my behalf. 
I now face almost a year of bills in the past 2 weeks. With more to come I am sure. 
Every payment that was made is now reversed.

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 2020-06-23
Company: Caliber Home Loans, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I got phone call from Caliber Home Loans on XX/XX/XXXX. 
They told me that I was due for pay for XX/XX/XXXX, and my previous loaner XXXX XXXX XXXX transfer service to Caliber on XX/XX/XXXX. 
Actually I had already payed until XXXX.But Caliber said they didn't receive it, and asked me to called XXXX XXXX XXXX to make sure the transfer. 
When I called XXXX XXXX XXXX, and they told me the service had already transfer .But XXXX XXXX XXXX confirmed I payed it already and payment due date is XXXX.I requested document for payment history, statements and bank transfer history, and upload to Caliber website, but Caliber 's manager doesn't want to help me and still told me They will not use my documents to change  anything.And Caliber asked to call XXXX XXXX XXXX to FAX them.But now they still said it's not their problem and push to XXXX XXXX XXXX.The same thing when I called XXXX XXXX XXXX they said they transfer everything very detail it's Caliber 's problem.They even don't want to call each other to verify.I do whatever I can do now.No one can help me .They just push.I need help because two accounts with two months payment it's around XXXX XXXX missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: BB&T CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2018, an online payment in the amount of {$100.00} was sent to my checking account at BB & T.

On XX/XX/2018 I received a letter from BB & T Adjustments Department that my account was debit in the amount of {$100.00} onXX/XX/2018. I call the local bank on XX/XX/2018 to express my concerns because I believed that it was an error. BB & T requested a copy of the letter I received. I sent a copy via email on XX/XX/2018. BB & T assured me they would call after researching the issue. On XX/XX/2018 I call an XXXX  number provided on the letter. They told me that the amount that hit my account in error was from a cashier 's check made to another company. I asked where was my online payment of {$100.00}. They said that they did not receive it. I called XXXX XXXX XXXX XXXX ( XXXX  ), the party who sent the online payment. XXXX said that it was sent and they said they would open a case and send it to BB & T. I was able to see the paper trail where XXXX did send out the payment. On XX/XX/2018, I made a visit to the local BB & T and they stated that they did not receive the payment and said that I needed to talk with XXXX. I gave them a copy of the online payment disbursed onXX/XX/18, a call was made but they only verified what I was just told that BB & T had not received the payment. I have received a call and a written notice that may BB & T account has a negative balance and threat to report me to 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 2019-05-19
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This has to do with the class action lawsuit against Webster bank several years ago, they had to pay back their customers because they were found guilty of putting through higher check amounts causing lower check amounts to become overdrawn, thereby costing the XXXX OD fee on more checks than if they had paid those. I never received my payment from them. I followed through with everything I had to do but still never received my payment. I can not afford an attorney to do this for me but I had a lot of months this happened to me, I know I'm due something, and right now I need every dime im owed. Thank you in advance for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX 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 XXXXXXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-04-24
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 information incorrect

Complaint:
THE 3 CREDIT BUREAUS AND XXXX ARE NOT REMOVING THE LATES FROM MY CREDIT REPORT. THE MOTOR BIKE WAS A TOTAL LOSS THE INSURANCE PAID THE ACCOUNT AND I ALSO MAILED A PAYMENT IN. I HAVE PROOF BELOW.

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 2020-06-23
Company: Experian Information Solutions Inc.
State: MO
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 XXXX XXXX not only allowed someone else to obtain an auto loan in my name, but they REFUSE to cooperate with law enforcement or the FTC to remove the fraudulent account from my report. They are rude to me every time I call them, and one of their " fraud specialists '' told me that it was probably my fault that my identity was stolen, because people leave their wallets laying around all the time. They have made absolutely no effort to help me resolve this, all they do is lie and scam. They just agreed to pay {>= $1,000,000} in a lawsuit for subprime lending and shady lending practices. I think it's time they answer for letting people fraudulently open auto loans in other people 's names and refusing to co-operate with the law and FTC to get the accounts removed from the identity theft victim 's credit reports. Luckily, XXXX  has been great and removed the account, which is obviously fraudulent. XXXX  and Experian will not remove the account until XXXX does their part. I have disputed this account several times with Experian and XXXX, and both refuse to stop reporting on my credit report. Unfortunately, XXXX has also failed to stop reporting the account, so all 3 parties are currently in violation of consumer protection laws in regards to this account. I am XXXX XXXX, the one reporting this issue on behalf of myself.

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 2019-06-15
Company: EQUIFAX, INC.
State: MS
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:
I got XXXX inquiries need to be remove from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: VA
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:
Regarding : XXXX XXXX XXXX XXXX XXXX # XXXX, this home was sold on XX/XX/XXXX. As you can see with the attached HUD1 settlement statement. The Deed of Release was filed on XX/XX/XXXX. 
Equifax is reporting this home as last delinquent as of XX/XX/XXXX! How is this possible when these accounts were paid in full XX/XX/XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: Experian Information Solutions 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 mailed certified letter off to Experian and per my tracking number the letter was received XXXX XXXX, 2017. I am disputing 8 inaccurate accounts that are being reported by Experian. I requested that Experian Please send me copies of the documents that they have in your files as of this date ( XXXX XXXX 2017 ) that they used to verify the accuracy of the accounts listed. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. I have received no response from Experian to this date. The incorrect information that is being reported is effecting me in a negative way. I was recently denied an apartment due to the incorrect information that is being reported. There is a high probability that I will be homeless if they dont correct the issue as soon as possible, since my lease is up. Accounts being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-15
Company: SCA Collections, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My son had XXXX XXXX performed and sent to XXXX XXXX XXXX XXXX XXXX for analysis. 
I received a letter in the mail at the end of XXXX with a statement dated " XX/XX/XXXX '' stating that we owed {$110.00} for my son 's XXXX XXXX after insurance had reviewed and processed the claim. 
I had questions regarding insurance input so when clarified, I followed the online link that XXXX XXXX XXXX XXXX XXXX provided on the bill to pay the bill. The balance stated {$0.00} dollars. 
I reviewed bank statements and credit card statements to see if this was on autopay or if my husband paid it. Ultimately on XXXX I emailed to query what was owed and left my email and cell phone. At this time, on XX/XX/XXXX I received an email stating the account was sent to collections on XX/XX/XXXX after ONE attempt to collect their payment by mail- non registered. They sent the account to collections after 9 weeks without confirming that I had even received the bill ( which I had not until 4 weeks prior ). They have ALL my information including my cell and did not call or send out a second/warning bill. When I contacted them on XXXX and enquired about the bill as I was attempting to pay it the response was " it has gone to collections '' with no alternative for me to resolve the issue but to wait for collections letter which I did. It arrived on XX/XX/XXXX and has been paid. 
To my mind, this is unfair and inappropriate- they made zero effort to collect the debt and zero effort to offer me a way to pay when I reached out. 
This is coming after this same group attempted to bill me twice for services rendered for my own XXXX work.

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 2018-10-25
Company: Heritage Financial Group, Inc.
State: IL
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:
According to my XXXX  credit report an hard inquiry was made on XX/XX/2018 from someone within this company. I sent them a letter that I've attached below that stated that I would like for them to provide me with proof of the given authorization that gave them the right to pull my credit on that specific day. Instead of complying with my requests someone within their company pulled my credit again without my authorization on XX/XX/2018. I called and left a message for XXXX numerous times and never received a call back.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: ARVEST BANK GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Arvest Central Mortgage continues to claim that I owe them money AFTER they unjustly adjusted our escrow account. On XX/XX/2018 they claimed to have adjusted all records yet they are seeking more money I do not owe. I'm afraid they will hit my credit again. They continue to call claiming that I've shorted my payment nearing on harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I Called XXXX, and XXXX to ask them about so inquires that i do not recognize on my credit report. i was informed on how to go about correcting these errors, i was told to contact the creditors who are reporting the inquires. i am diligently working on improving credit. 

I only have 3 primary cards that i have applied for and all of the other cards are authorized user accounts i have a total of 10 inquires on my XXXX report & 7 on XXXX and 5 on XXXX. 

a total of 3 inquires should show on my credit report across all 3 credit reporting agencies. 

i am exercising my rights to have all inaccurate information removed and deleted from my credit reports. i will be attaching a dispute letter with this complaint to show the inquires im referring to also. 

XXXX Navy Fcu Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Bank Equifax XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX Navy Fcu Inquiry from XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX Department And XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bulk Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX is not reporting that I have a revolving installment secured XXXX XXXX. I want this problem corrected so that my credit score will reflect as much.

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