BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-02
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
There have been so many challenges working with Huntington, poor communication, many unexpected delays on their part, redundancies, and overall poor processing. Weve done everything to try and get things done asap, but its been so time-consuming and mentally exhausting! We are very disappointed in Huntington! We went into this process in good faith, having worked with Huntington Bank many times ( it was always a good experience ), but since XXXX XXXX retired from Huntington, its not the same! We lost a {$3000.00} earnest money deposit and other expenses because sellers did not want to extend the contract ; it was not their fault, but it is Huntingtons fault. Huntington Mortgage had 45+ days to process the mortgage and still could not deliver. We were constantly told they needed more time or theyd ask for a document that was already provided. Huntington Mortgage used excuse after excuse, dangling the carrot of were so close, were going to get this done ; its a rush! Only to miss their own deadline for a clear to close!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: Experian Information Solutions Inc.
State: MI
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:
They never contacted me about anything, by phone, mail, e-mail. Just add a collection to my report on Experian. I try to inquiry but could n't. 
The collection charge off from my credit report was report on XXXX. XXXX, 2017 with the amount {$2500.00}. 
I have no idea how this happen or how i owned that amount to anyone!!!

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 2021-03-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I used part of my stimulus to pay off credit card debt and my score plummeted by 69 points on XXXX  and Equifax. I was alerted by XXXX XXXX. It's very obvious that the system does not calculate credit scores accurately. I have a 100 % record for paying timely. XXXX  is not involved with XXXX XXXX and shows the score over 600.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: EQUIFAX, 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:
Ive contacted Equifax several times as well as sent over documentation to prove that I was a victim of identity theft. Equifax has failed to report data correctly on my report. Ive sent the same information to XXXX and XXXX and they verified the accounts on my report as fraudulent. 
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 non-monetary relief
Consumer complaint received 2020-11-18
Company: CITIBANK, N.A.
State: MA
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:
Hi Sears ; Credit Bureaus ... ..I 've disputed this account before with both the creditor and credit agencies ( XXXX XXXX  and XXXX  XXXX and it's impossible that this charge off account was ever investigated because the account status was never updated and there are 3 different dates of last active, dates of last payments, inconsistent payment history, 3 different dates of open, and inconsistent high balance and 3 different account numbers and name, etc. Please DELETE this account for Inaccuracy because there are different dates of last activities : ( Date Last Active : XXXX ; XXXX  : XX/XX/XXXX & XXXX : XX/XX/XXXX XXXX. You cant report different dates and years of activities like this! Its imperative that this be accurate because it determines when the account naturally falls off. And its also re-aging the account prior to me disputing it. This is a violation. Please DELETE immediately from my credit report. 

Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2021-03-27
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells fargo paid me {$500.00} in installments for the opening accounts scandal. But this doesn't cover what their employees did to me XXXX and XXXX XXXX. I didn't receive the {$500.00} all at once. XXXX XXXX is an outright slanderer. She slandered me at wells fargo causing me to lose my new checking account on XX/XX/XXXX. After running back and forth. But I was being set up by XXXX XXXX for her to try & have me arrested by the police & those employees at the XXXX XXXX location were involved. XXXX XXXX caused me and my son lots of problems. We have been harassed by our neighbors because she is using her, a position as a district manager to harass me. Due to her slander, she caused my son in XXXX to be XXXX  by our neighbor. But it was XXXX and XXXX XXXX intent to slander my name to get others to hate me. It's the reason why I can't have a checking account or any type of loan if wells fargo is on the store credit card. I can't have an auto loan through them or anything. XXXX XXXX doesn't want me to have a thing. But with my son being assaulted in XXXX was crossing the line. She has had all her renters harass me. But everything is in her favor because she talks a good talk & turns it around on me saying I harassed her & everyone believes her side of the story. I have a right to be angry about how XXXX XXXX meddling in my life. Wells fargo went along with her lies. She didn't care that she was messing with my life or financial well being.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
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:
I have several fraudulent inquiries and inaccuracies on my credit report : XXXX XXXX XXXXES : - XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXX INNACCURACIES : - Accounts Ever Late : 2 - Time Since Negative : 1 year 3 month XXXX FRAUD ACCOUNTS : - XXXX - XXXX - XXXX XXXX - XXXX - DEPARTMENT OF EDU -  XXXX - XXXX - XXXX Transunion Fraudulent Accounts : - XXXX - XXXX - XXXX XXXX - XXXX - XXXX/ XXXX XXXX - XXXX - DEPARTMENT OF EDU - XXXX - XXXX  - XXXX Transunion FRAUD INQUIRIES XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX   - XX/XX/XXXX XXXX Fraudulent Accounts : - XXXX XXXX - XXXX - XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX - XXXX/ XXXX XXXX - XXXX - DEPARTMENT OF EDU - XXXX - DEPARTMENT OF EDU/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 explanation
Consumer complaint received 2020-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 sent a letter to XXXX  XXXX and TransUnion on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

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 2021-03-27
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by XXXX, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against LVNV FUNDING / RESURGENT CAPITALL. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Credit ran an excessive when applying for auto after being told just one company would 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 explanation
Consumer complaint received 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2020 I submitted a dispute to TransUnion for a revolving credit account " XXXX Credit Card ''. The dispute was in regards to an incorrect balance. Its showed a balance of XXXX when the balance was actually XXXX. The investigation was quick and completed on XX/XX/XXXX. The details of the investigation was that they deleted the ENTIRE revolving credit account from my file. This was NOT the request I wanted. I only was disputing the account balance. This account should have stayed on my credit file. 
So I called TransUnion, spoke with multiple Supervisors, and they said the reason the account was deleted because I was an authorized user on the account. No one informed me this and there was no documentation to explain this to me should I dispute an account Im a authorized user. ( That is my first issue ) So they explained that I needed to contact my creditor, XXXX XXXX and have them re-insert showing that I'm still on the account as an authorized user. I call XXXX, spoke with several supervisors and they told me that they can not reinsert this information because TransUnion policy accepts only co-signers on Credit cards. They gave me letterhead letter stating that I never was removed from this account and to provide this to TransUnion. 
So I called TransUnion again, spoke to multiple supervisors and indeed I learned that due to their policy they can not receive documentation from XXXX and add back my credit information to my file because XXXX considered an authorized user and not a co-signer. XXXX does not provide such service to be a co-signer, only an authorized user. 

TransUnion own comments : This is a learning moment, never dispute an account that your an authorized user because once you do you NEVER will be able to have it reported again. 

I find it astonishing that TransUnion never told me their policy ( dispute a account that your an authorized user, it gets entirely deleted from credit file ) and that I can NEVER report this account again. 


SO long story Short : 1. Disputed a balance on a authorized user credit account to TransUnion 2. After investigation they removed the entire account ( Not explaining their rules ) 3. Called TransUnion and they said have your Creditor XXXX XXXX XXXX reinsert my account status through their own channels. 
4. Called XXXX, they cant reinsert my account status due to TransUnion policy -they don't accept authorized user, only co-signers XXXX which XXXX doent provide ) 5. They gave me letterhead docs to prove account status hasn't change on my creditor side.

6. Called TransUnion back, they told me they can not accept this because Im not a co-signer .... Sorry your cant fix this.

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 2020-11-18
Company: Zenith Financial Network Inc
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I was called by Zenith Financial Network and Associates about an old debt by the associate XXXX XXXX. I was threatened with being sued and the seizure of my property if I did not agree to pay right away on XX/XX/2020. I explained that I wanted validation of the debt as well as to view the contract saying I owed the money to them. I was presented with a letter that did not contain any of this information, or options to pay off the debt. I have emailed back asking for the validation again but have gotten no response. Also, They are not answering phones at the number given to me to call back. The person on the line was very rude and pressuring me to pay as soon as possible or threatened i would be sued if i did not make an arrangement that very moment yesterday. I explained to him that I was at work and did not have time allotted for personal calls but he would not get off the line and email me the information I had requested. He told me if i did not call back yesterday they would sue 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 explanation
Consumer complaint received 2021-03-27
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX I returned 7  closet doors purchased XX/XX/XXXX to XXXX. However, I was credited for only 6 doors. I discovered this when I got home and examined the refund slip. I was not able to reach XXXX, so I called Citibank and submitted a dispute on the phone for {$47.00} XXXX {$45.00} cost of the door plus sales tax ). XX/XX/XXXX Citibank notified me that based on XXXX 's response they were reversing the conditional credit and invited to submit additional documentation in support of the dispute. XX/XX/XXXX I submitted a lengthy letter and additional documentation showing that either Citibank did not fully advise XXXX of the nature of the dispute or the XXXX was negligent in how it conducted its investigation and concluded that the dispute was invalid. XX/XX/XXXX Citibank responded thanking me for providing additional information regarding the dispute, and that they are reviewing it and will get back to me. However, Citibank failed to do any of this. Instead, XX/XX/XXXX they sent me a letter saying that they appreciated my feedback and simply closed the dispute. This is simply unconscionable -- it is evident that Citibank did not conduct any investigation and just accepted XXXX 's response at its face value when reversing the conditional credit XX/XX/XXXX. And then on two occasions -- XX/XX/XXXX and XX/XX/XXXX -- they invited me to submit additional documentation and assured me they will review it, but simply issued a letter a few days letter saying that they appreciated my feedback..

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 2018-02-26
Company: WELLS FARGO & COMPANY
State: FL
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 opened a wells fargo cash rewards card off an add on XXXX 's website. the ad promised a {$200.00} cash back reward as soon as i charged {$1000.00}. which i did in XX/XX/2017. When i called them they routed my call to the wrong department then that lady ( XXXX  ) refused to give me any information on my account. and would not transfer me to anyone who could or would be able to help me. Wells Fargo engaged in false and or misleading statements to get me to open a credit card and is now refusing to provide the rewards for 4 or more months. what kind of crooks are they? I demand that they send me my {$200.00} cash reward immediately You should also note that wells fargo engages in so much fraud on has to wonder if they are paying the CFPB to remain open so they can continue to defraud Americans.

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 2018-02-26
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Citi Bank had upped our credit limit by {$1000.00} without informing us. We went from {$7000.00} to {$8000.00} and have a XXXX balance on the card. A month later we received a letter stating that there was a mistake and they had inadvertently raised our credit limit but took the necessary adjustments to drop our credit limit back to the original {$7000.00}. I contacted their service department and informed them that I was very concerned because this action could affect my credit score. The service representative did not understand our concern ( language barrier ) and after 30 minutes of trying to explain that this could hurt my score he told me I would have to take it up with the three agencies to get it fixed. What kind of company does this to their clients? What is a {$1000.00} credit limit adjustment to someone who has great credit? I am concerned about my score and want Citi Bank to assure me that this will not affect my credit score.

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