BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2021-11-10
Company: EQUIFAX, INC.
State: WV
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 received two emails from XXXX XXXX about two hard inquiries. I did not authorize either of these inquiries. One inquiry is from XXXX XXXX and the other is from XXXX XXXX both took place on XX/XX/2021. When I called each bank they explained that someone had put in an application for a loan but due to this being fraud and identity theft each bank stated they will deny the application and that no money was dispensed to any person. I later proceeded to check my credit report on each credit bureau website. I am currently trying to dispute these two hard inquiries as I stated I did not authorize these loans. I did not give any person permission to use my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: EQUIFAX, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I would be eligible for over a year student loan forgiveness as I work as a mental health provider for a non profit. However, I was never informed of this. Instead due to my low income and being a XXXX mother I was talked into more like forced into derfeenr or forbearance as I had to chose between paying my mortgage or student loan. Now with interest I owe more than several years of my gross salary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I was trying to trade my vehicle for a XXXX, since I have an old car and its soon going to break down. i was at the dealership and they denied giving me an auto loan. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a sit pulled a copy and now I am even more upset that someone has been using my name to open up accounts and that should have never been open. These accounts are not mine. I need them removed as soon as possible from my name. XXXX XXXX {$1000.00} DEPTEDXXXX XXXX {$4000.00} XXXX XXXX {$4200.00} XXXX XXXX XXXX {$850.00} DEPTEDXXXX XXXX {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: REVERSE MORTGAGE INVESTMENT TR
State: NH
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
We closed on a mortgage on XX/XX/XXXX. This mortgage was a rewrite of a XXXX mortgage but now at a lower rate. 

The company calculated the payoff with interest through the closing date. In addition they added a " buffer '' of 18 days in the event the closing was delayed. We were told that the " buffer '' ( in the amount of {$500.00} ) would be returned after the closing. 

It has been more than a month. A few weeks ago we inquired about it and were told that we should be seeing the money soon. 

Still no refund.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been XXXX  and deceived by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and Affidavit of Truth to XXXX XXXX XXXX XXXX XXXX . They received it certified mail and signed off at XXXX XXXX, on XX/XX/2021. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.

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 2017-10-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Not showing a new account on my credit reports, that has been submitted in a timely manner according to the creditor, XXXX XXXX, also known as XXXX XXXX Secure Credit Card.

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 2022-04-01
Company: SYNCHRONY FINANCIAL
State: NJ
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:
On XX/XX/2022 my credit was illegally ran by synchrony financial causing me to have a have a hard inquiry on my credit report. I did not apply for any credit on XX/XX/2022 and I need this inquiry that was illegally placed on my XXXX report removed. I contacted the synchrony bank fraud department on XX/XX/2022 and spoke with someone named XXXX who informed me that someone tried to illegally apply for credit with synchrony bank using my Identity. She informed me that synchrony bank would send a request to remove the inquiry from my report but that has not happened and the false inquiry is still on my XXXX credit report.

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 2017-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
RE : Un-Verified Accounts Pursuant to the FCRA & the FDCPA I am writing this complaint to exercise my lawful right to question the validity of debts that has been entered on my credit file and claims to have become due, derogatory and negative. According to the FCRA, if a credit file is going to be reported on a consumer 's report it has to be properly verified by the credit bureau. The FCRA states that the bureaus are the ones that have to keep this verification on file. I am well aware that under the FCRA section 609 disclosures to consumers, a credit reporting agency is not required to remove accurate derogatory information from my file, unless the information is outdated under section 605 or can not be verified. All three credit bureaus have placed this information into my credit file with NO VERIFICATION! Nothing has been done as to whether these accounts are valid, hence they are Unverified!

I understand that credit bereaus has violated my rights to report these items on my credit report! Fair Credit Reporting Act ( FCRA ) protects me and governs the activities of Credit reporting Agencies and regulates how they report information about me. They are required to have copies of the original signed credit application in their files, which they have failed to provide to me. Each time I dispute these two entries it has come back as verified within a few days, which further lets me know that you have not fully verified these accounts. You are required to have a copy of the credit application that I signed when I supposedly opened the credit account with the creditor on their files. You have failed to show that your agency verified the information and the accounts belongs to me and to show that your agency verified the information before you placed it on my credit report by identifying the proper identification required ( driver license and SS card ) + a written contract/request identifying 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 2017-10-26
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX of 2017, I sent a withdrawal slip for {$100.00} dollars to my PNC Bank in XXXX Pennsylvania, to have a cashiers check sent to me, which I have been doing for over twenty years. The PNC Banking XXXX sent me a letter stating that I can no longer have direct access to my account. I will need to give a agent of representative a Power of Attorney to access my account and then give me the monies I need. It seem that due to my incarceration that the Bank has started to discriminate against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: CITIBANK, N.A.
State: TX
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 have had major Identity theft issue, I had my mail box key stolen from car, and wallet with Drivers license also stolen. 3 fraudulent accounts were opened tour took in care of fairly fast but this third one city group continues to be an issue for me. I have included in this email please report over included two other documents stating fraudulent activity and a letter stating security breach, where they had access to vital information. 
I also have documented/diagnosed XXXX  XXXX which Makes things even harder for me. The other two credit companies immediately closed accounts and took it off my report, City card has done nothing to help ijust giving me numerous threatening calls and threatening letters. I have have perfect credit my whole life no late payments know anything I give you permission to look up this information to prove this. I have a diagnosed/documented XXXX XXXXXXXX and I believe they may be discriminating against me because I dont understand a lot of stuff theyve been sending me Citi Card ending 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 2017-10-26
Company: EQUIFAX, INC.
State: GA
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 have noticed several inquries being processed by the name of XXXX XXXX XXXX in which is affecting my credit. I feel as if i am a victim of identity theft but i am still getting letters back stating that the inquiries are factual in which they are not. The inquiries are XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX GA XX/XX/XXXX, XXXX XXXX  submitted a inquiry on XX/XX/XXXX and i never authorized this they sent me an application with my information and my ssn did not match and they told me that it was me in which it was not. I am highly upset because credit is very important to me and with all of these security breeches how can i confirm anything when my identity has been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
XXXX last year I got an XXXX and I enroll in the upgrade program which let me change my phone every year ( with citizens one ). a year has pass and I am trying to upgrade my phone but in the process they are asking me for a credit card which I do not have. I already have 2 programs and they have withdrawing money from my checking account with no problem. When I call them they just apologized and told me that some rules had change ( without me being notified ). I believe it is unfair to advertise an upgrade program and when trying to upgrade find out it is not possible. Now I am stuck with this phone and Citizen One did not deliver on their product.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
The issue is with unwanted Credit Card Solicitations from Capital One. 

My name has been 'opted out ' of receiving Credit Card Solicitations with the credit bureaus for several years. 

I have repeatedly received Solicitations for a " XXXX XXXX '' credit card over the past several months. 

I checked to verify that I was still blocked from getting Credit Card Solicitations with the bureaus, and that block is still in place. 

I called Capital One to inform them that they are sending solicitations to people who have 'opted out ' of getting them. 

The clerk on the phone wanted to take all of my personal information before they would contact a manager to let them know that they were getting a complaint regarding solicitations being sent inappropriately. 
The point here is -- If I am getting them and should n't be, so are others. My specific information should not be needed, in order to report a Marketing process error to the manager for further investigation. 

Why would I voluntarily give them my personal information, thereby bypassing the need to check to see if it is acceptable to send me solicitations? If I give them my information voluntarily, that establishes a 'business relationship ' and they can send my any kind of junk. 

CAPITAL ONE : check your Marketing process! Where are you getting your solicitation list from??? And STOP DOING THAT!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Radius Global Solutions LLC
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 received alerts within the past few weeks from all 3 of my credit bureaus showing that a collection company called Radius Global Solutions has entered two new collections into each report. I do not recognize either and have no idea what these accounts belong to. I have never received any communication in writing, by phone, fax or otherwise from this company or anyone representing them stating what this is for, who the original creditor is or anything else. All I know is the amounts are for {$850.00} and {$72.00}. 

I am including screenshots of the most recent ones.

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 2021-11-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I have a been a Chase customer for over 20 years. I received a notice in the mail that all my checking and savings accounts have been closed. I went to a bank branch. They said they couldn't help. They told me to call the number on the notice. I called and waited 30 minutes and my call was disconnected. I called and was asked for my number so I could wait for a call back. I waited 19 minutes for a call back. When it came I was told to hold. I waited another 10 minutes. Then the call was abruptly disconnected. This was not a cell phone issue. I was calling from a lan line. I simply want to know why all my checking accounts were closed with little notice and I would like to know why my accounts were closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi I called loan care who services my loan which transferred me to lake view who has my mortgage. They gave me the runaround but finally sent me to someone who was supposed to help answer questions regarding refinancing. This man was really agitated and said it didnt matter what questions I had because I would not be able to qualify because I am on forbearance. I let him know, I know but I was asking for the future once I was making my payment, so I can remove privarte mortgage insurance in the future. He said I should worry about making my payments and would not answer any questions regarding refinancing. I told him I needed this information to make an educated decision on wether I was going to do a partial claim or modification when my forbearance ended and he said to just pay my mortgage on time, or I wont qualify for anything. This call was done XX/XX/XXXX XXXX Ca time and the entirety of the call including being transferred was XXXX minutes.

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 2022-04-01
Company: Sequium Asset Solutions, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Guess this new company bought this from someone if it is spectrum I never have had thier service I have XXXX XXXX if it is another company I have no knowledge of this keeps popping back up after it was removed the dollar amount has been the same

Company response to consumer: Closed with explanation