BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-06
Company: DISCOVER BANK
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
saying that I have debt that I did not pay off, and will be escalated and they will refer this matter to Counsel.

It must be a debt from a long time ago, and I am not sure what is the best way to handle this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-28
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
on XX/XX/2021 I sent and email to Citibank informing them that I would like to be removed as an autorized user from a CC. I checked XXXX XXXX and I'm still showing this credit card with shell/citibank reflecting as an authorized user.

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 2022-09-23
Company: EdFinancial Services
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Hello, I called my student loan servicer, EdFinancial, on XX/XX/22 requesting a refund of {$10000.00} that I had paid during the COVID-19 pandemic. The customer service representative processed the refund request, but said that she could not provide me with any sort of receipt to prove I called and requested the refund. She also was unable to give me any sort of timeline of when to expect the funds to appear in my bank account, or when to expect the {$10000.00} to reappear on my loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: MIDFIRST BANK
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Midland Mortgage ( MM ) took over my loan XXXX XXXX from XXXX XXXX as I was coming out of forbearance relief. MM did not get me into thier system until o/a XXXX XXXX. On XXXX XXXX I was able to speak to an associate about processing VA loan modification under the CARES act. They have supposedly been working my file since and told me that title cleared on XXXX XXXX and final processing has been started and awaiting final VA approval. I spoke to VA loan technician on the XXXX of XXXX and they have no record of MM transmitting information about my loan modification I need to know what stage we are at in this process and when I can receive proper documentation as MM Mortgage is also sending threatening letters about foreclosure on the XXXX of XXXX due to past due amounts that are supposedly protected under the CARES act.

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am deeply concerned to discover public records on my credit report that I was unaware of. This is not acceptable. I urge you to remove these records and ensure my credit report is updated correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a text XX/XX/2022 stated that My credit card was approved. I never applied for a credit car since I already have one in the same company XXXX Bank of America ). I called them and asked them to removed it.

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 2020-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 sent TranUnion my FTC Identity Theft report showing that inquiries that were placed on my credit file was not authorized by me. TransUnion removed most but failed to remove the following : XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX. XX/XX/XXXX & XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. I sent in report, spoke to a representative via Phone Call to TransUnion who was unable to help me remove these item off of my credit report, even though I sent via certified mail all supporting documents needed. 

Also I'am requesting the removal of the following Collection off of my credit file due to Identity Theft : XXXX XXXX  {$920.00} -- I have sent in supporting documents to show errors and nothing has been removed or deleted, It comes back verified. I'm asking for a signed copy with my signature stating I have a contract with this company. TransUnion on many occassion have failed to provide me with proof other then E-Oscar that they have a signed original signature contract with this 3rd party collection company. 
XXXX XXXX {$910.00} -- -I have sent in supporting documents to show errors and nothing has been removed or deleted, It comes back verified. I'm asking for a signed copy with my signature stating I have a contract with this company. TransUnion on many occassion have failed to provide me with proof other then E-Oscar that they have a signed original signature contract with this 3rd party collection company. 
XXXX {$200.00} -- -I have sent in supporting documents to show errors and nothing has been removed or deleted, It comes back verified. I'm asking for a signed copy with my signature stating I have a contract with this company. TransUnion on many occassion have failed to provide me with proof other then E-Oscar that they have a signed original signature contract with this 3rd party collection company

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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$2600.00} XX/XX/XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$2400.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$2400.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$2900.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$83.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 non-monetary relief
Consumer complaint received 2021-09-30
Company: MECHANICS BANK
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Mechanics Bank my auto lender is in violation of California Civil Code 2983.2 for failure to provide the required 60-day notice to me prior to disposing of my car. Mechanics Bank provided zero notice to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2018-08-12
Company: LoanCare, LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Since my first written complaint to Loancare LLC regarding their lack of ability to lawfully service my loan, the disturbing Phone Call where I attempted to make a payment but was denied the ability to do so and subsequently had my contact information, without my consent updated to XXXX. In which I complained that I DO NOT get my statements, Loancare LLC has seemingly once again violated the regulatory period, willfully ; and in an ongoing abusive manner in which true emotional trauma has been caused, in addition to catastrophic financial damage due to ongoing violation and harassment.

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 2020-10-25
Company: Waypoint Resource Group, LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
So this originally started with an unpaid bill to XXXX cable company supposedly on XX/XX/2018. I 100 % know this to be inncorrect and could not possibly be from myself because I was in jail at the time of this apparent bill. Since learning of this fraudulent debt I have tried to communicate directly with waypoint resource group. Which is the debt collection agency/company who have taken the debt collection over from XXXX. I have tried calling and emailing them, but I have had no luck from either method. Also, their phone number doesn't even work anymore. I then went through the process of filing a credit report dispute which got denied however I was unaware that I needed to send my reason and documentation for how I knew this wasn't me. Which is why I suspect they turned down my request. Cause I didn't include the fact that I was locked up at the time or that I thought it was due to identity theft that this action occurred. I am almost 3 years clean and have been working very hard to get my life back in order. The one thing that is left is getting my credit score and report in order so that I can have a credit card and apply for loans since I intend to go back to school and also eventually buy a house. I would appreciate any and all help in this matter. Thank you very much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a primary mortgage loan and a fixed rate home equity loan with Pentagon Federal Credit Union ( PFCU ). I pay each by allowing them to debit my checking account monthly thereby I am never late. My primary Mortgage loan is perfect and they credit my payment and additional principal monthly as they should. On my fixed home equity loan, for several months I was adding additional principal to my monthly payment, however PFCU would simply withold the additional principal and never applied it to my loan. Instead they began to move my payment due dates back.. I phoned them on 4 occasions to correct this discrepancy and even discontinued the additional principal payments since PFCU was just holding it for months and never crediting it to my account. I have asked ( most recently on XX/XX/18, that PFCU either apply the additional principal I have paid to my loan nor refund to my PFCU savings ( share account ) immediately. In addition since the time is measured in years I feel they should pay me the appropriate interest on the money they are with holding. The people at PFCU are always polite and try to be helpful but they seem grossly incompetent in investigating and resolving a consumer complaint. I am a XXXX veteran and quite frankly I am tired of dealing with them. Please help.

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 2023-02-21
Company: EQUIFAX, 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:
Equifax is not reporting the correct name for me. 
I would like my name updated ASAP. 

My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES. 

This name is inaccurate XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: EQUIFAX, INC.
State: TN
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:
I sent out a for this account being reported on my credit, how it is being reported wrong. I sent it out on XX/XX/2021 and they have not responded at all or fixed my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
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:
Both the credit bureau and the furnisher of information are legally obligated to investigate your dispute. XXXX  XXXX XXXX Reported on XX/XX/XXXX Original Creditor Name XXXX PP L {$1700.00} XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX TransUnion Result : Verified As Accurate and Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. 
Dispute Reason Ownership : I have no knowledge of this account. 
Dispute Results From TransUnion : TransUnion received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. 
If you're not satisfied with these results you can go to TransUnion 's site and submit a Request for Investigation. You'll be able to attach supporting documents to your dispute and ask TransUnion to add an explanatory statement to your credit report. 
When contacting TransUnion, provide your current file number : XXXX. Mail : TransUnion XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Phone : 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 2023-11-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Accounts was paid in full. Bank did not processed check in a timely matter and they report my account as delinquent damaging credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-18
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 was the victim of identity theft and all 3 credit agencies have been investiagating along with the creditors and have deleted them from my report.  Discover card has not investiagted it, and simply mailed be a statement with a balance and say i owe this amount.  I provided them a phone number and ftc report and details on why the account is not opened or mine at all.  Credit agencies  have deleted it and confirmed, i received a letter from discover the other day 40 days after the dispute that they are handing the matter over to a law firm.  I will try to call them again and give them the info i had provided them.this account is not mine and thier harrassment of calling me has never stopped since my original ftc complaint. Thank you XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
XXXX/Lakeview Loan Services has been attacked in a ransomware incident. During this time, they have provided no information as to the extent of the information compromised and what if any actions are being taken to mitigate the damage. In addition the replacement website they have created makes no mention of this incident and simply asks that you reenter your bank information. How are we to be assured that this site is a ) not a spoof by the hackers, and b ) any safer than the previous site? The lack of transparency is appalling.

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 2023-12-01
Company: Collection Receivables, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company has been calling an harassing me for weeks now. I have advised them that I canceled the account in XXXX. Additionally, I haven't been in the club since XXXX of XXXX. I was pregnant and in the hospital until XXXX of XXXX. Not once have these people tried to verify the debt like asking me who I talked with or my documents for cancelation. Nor have they provided any bills or any statements to validate their claim. This has been placed on my credit report as a collection, to which they verified the debt as being valid when they have yet to provide any documentation of that nor request any documentation from me. At this point, they can resolve it as a debt not owed because it was canceled, show me PROOF, or we can all go to court over {$300.00}. I have lawyers. It's not about the money. It's about the principal. If we go to court, I guarantee they will owe me more than the measly money they are trying to collect on an account that was canceled. I did not have a contract with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
After years of not receiving a bill or statement because navient was in a lawsuit. And then after years come after me with the interest owed and the same amount owed. I have had this loan since 2005. It disappears off my credit and then Navient says I owe them money a bunch of money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2022-04-28
Company: Experian Information Solutions Inc.
State: AR
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:
After reviewing my credit report, I am not happy to see the below items that are still showing in there even though I have informed you that they are in accurate and injurious to my score. Please remove and delete the below items from my credit report at once.

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