BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 never gave TransUnion any verbal or written consent to report anything on my consumer report. No consent is Identity Theft.

You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

As a consumer, I am demanding a deletion of the following account : XXXX  acct # 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 2022-02-25
Company: Aargon Agency, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the cancellation fee to terminate my membership shortly after signing up. 
I never once used their gym. They informed me that i would no longer be charged. I'm now seeing they charged me for a whole year. When i called to resolve the problem they told me they don't know what went wrong and refuse to take the collection off.

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 2018-03-10
Company: Bread Financial Holdings, Inc.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XXXX XXXX XXXX c/o PayPal Credit performed a credit check illegally and unauthorized. I paid a charge of {$7.00} at Paypal on XX/XX/2018 and they in turn ran an application for a PayPal credit card that I did not want, need, or authorize them to do. Unfortunately, due to this, a hard credit check was performed and my credit score was lowered. I did not get approved for the credit card due to the fraud alert on my credit report. This hard check needs to be reversed and I am unclear why this happened to me. This company needs to be notified of their actions that were illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
It is not belong to me. It is fraud! This is causing me a lot of stress and 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 2022-02-25
Company: EQUIFAX, INC.
State: IL
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 without 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 719XXXX has me at a score around 590. 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 us 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 n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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:
My identity and information was used without my authorization. There are several inquires on my report that I did not authorize. Please investigate and remove all unauthorized inquires on my credit report listed below XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: LoanCare, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX my husband and I lost our home to an EF-4 tornado in XXXX, KY. It was a complete loss. Our insurance company promptly issued us a check to cover the property. They issued us a two-party check, listing my husband and I, and LoanCare Servicing as mortgagee. The balance owed on the mortgage was {$35000.00}. The check was in the amount of {$140000.00}. We contacted LoanCare and per their instructions, we overnighted the endorsed check to the address they provided. LoanCare returned the check to us stating the was not endorsed. We then signed the check and again overnighted the check to LoanCare. We received confirmation it was received by LoanCare on XX/XX/XXXX. However, LoanCare did not apply the proceeds to payoff the mortgage until XX/XX/XXXX in violation in Regulation Z. Once we contacted LoanCare they further stated they would not release our funds until 15 days from the date of payoff ( XX/XX/XXXX ). On XX/XX/XXXX we received a check in the mail for {$1.00}. We again contacted LoanCare to inquire as to the reason for the {$1.00}. They stated this was for " overpayment interest. '' We need this payoff to be credited upon receipt of delivery as required by the law. Further, we expect our money to not be held hostage in this interim period as we seek to purchase a new home. We are also concerned there are other families that are also being subject to this unlawful treatment as a result of this life altering natural disaster.

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 2020-03-03
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
1 ) I logged into my online wells fargo banking account on XX/XX/XXXX my checking account balance was {$50.00} 2 ) Went to Wells Fargo XXXX XXXX branch in XXXX VA to file a fraud claim spoke to XXXX XXXX the manager 3 ) Looked at all transactions made and started claim was told I would get money back and my old account would be closed 4 ) Was also stated that the resolution team would take a look at all transactions and see what they could do, they would have a " specialist '' investigate and i would receive a call from their team 5 ) The claim had every transaction starting with two transfers from my savings to my checking accounts of {$2000.00}, then two transfers of {$500.00} through XXXX to an unknown name of XXXX XXXX, everything else was transferred through increments of $ XXXX through XXXX XXXX ( an application I deleted before the money was taken ) and using a cardless ATM number and my PIN - the transactions say XXXX XXXX XXXX XXXX and XXXX XXXX XXXX GA 6 ) No one had permission to log into my online bank account or have access to any of my account information, I was never in XXXX, GA so I myself did not use my own card to take money out at an ATM. 
7 ) After the claim was finished with being filed i was set with a new checking and savings account 8 ) 10 business days later {$1000.00} in total was sent to my new bank account - XX/XX/XXXX 9 ) No call was received from resolution team, no email for contact along with no email of suspicious activity 10 ) Went back to 10 High Wells Fargo branch and was told that all my accounts were to be closed and they were not told why - XX/XX/XXXX ) A letter was received in the mail explaining, my case was to be closed along with my bank accounts because it was claimed that I did it myself or gave permission to someone else for this. - XX/XX/XXXX 26th

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 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I sent Transunion my identity theft information on XX/XX/22 they responded stating they are waiting on the companies to respond which can take 60 days. The Law stat that credit reporting agencies have to block all information reported within 4 business if the consumer identifies information that is a result of identity theft 15 U.S. Code 1681c2 consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. The information is still reporting on my report. Please erase and block fraudulent information.

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 2021-02-10
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My checking account was put on pending closure on XX/XX/XXXX without my consent, I called to better understand what was going on when i wasn't able to use my account. I had a balance for {$4400.00} at that time, and I was advised to wait 30-60 days for the account closure review to be done, and that i will be receiving a letter from the bank, with a check for the funds remaining on the account. I chatted with a rep on the mobile banking app on the XXXX of XX/XX/XXXX, for details on the status of the refund and letter, and he said " I can see here a check was issued on the XX/XX/XXXX and that i have to wait 10-15 days .... Today being the XXXX, i called again to get the status, and the rep i spoke to suddenly told me I won't be receiving a check because i have no funds that belong to me! Contradicting what the previous reps i had spoken to, told me. Now i asked her to explain in details, and she refused. I asked about the letter i was supposed to receive, and she kept dodging the question. I told her i remember vividly the last credit that was made in my account from an XXXX buyer 's purchase, for a watch in the amount of {$8100.00}, and she claimed the account is already closed and she can't provide any information. They refused to send me the letter explaining everything, and have kept my money! Causing me to almost lose my apartment and owe bills. I am tired of banks lying and ripping people off! I want my money back!

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 2022-02-25
Company: Movement Mortgage LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
The client is in review for loss mitigation. The client was approved for a forbearance in XXXX. A forbearance is meant to buy time and protect against foreclosure for those who can not pay their mortgage due to a temporary loss of income. This client has plenty of income to be reviewed for a permanent solution ; a loan modification. The client is able to resume making payments. There is no reason to throw a band-aid on this when the client meets the requirements for a permanent solution. Back in XXXX we explained all of this verbally and we resubmitted the file for review again in XXXX. We submitted a loan modification request along with a proposal. I am now told as of XXXX that the client was again approved for another forbearance. I was told that underwriting is asking for clarification on if the client wants the forbearance or not. Im concerned about why there is so much confusion when we have spelled every detail out for Movement. Even the first time we submitted the file for review on XXXX, that submission included a proposal and a request for a loan modification, so - exactly what the client was requesting- should have never been a question. I have requested call backs every single week and no one ever reaches out. The lender is ignoring the fact that we call them on a weekly basis and they are acting like they don't have all the information that they need. They are asking questions that are clearly spelled out in the modification packet. The lender needs to decision this file immediately and stop delaying.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: MRS BPO, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have received multiple credit collection notices from MRS Associates, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, XXXX. I have sent a letter indicating that this debt has been dismissed on a final Chap XXXX Bankruptcy in XX/XX/2017, however, they continue to send notices. I have received numerous phone calls from this company and I have either referred them to my attorney and/or have told them to stop harassing me. I have also informed them by phone that this debt has been included in my personal/business bankruptcy. They persist and this has caused me and my family undue XXXX XXXX.I am a XXXX XXXX and have been housebound for the last three months due to a service connected injury. I am suffering from XXXX and XXXX and can't take anymore of this harassment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
On XX/XX/23, I received a notification from XXXX that a new inquiry ( hard pull ) of my credit was requested by several banks ( XXXX, XXXX, and Bank of America ). I reached out to XXXX & XXXX, and their teams promptly addressed my issue and resolved it in less than 1 call. 

That same afternoon I called the B of A number listed as the contact on the inquiry and waited on hold for 20 mins. I gave up and called back on XXXX, finally reaching a representative that couldn't help but instead transferred me to their fraud team. The fraud team could not locate anything and returned me to the applications team. I was again on hold for another 15 mins waiting for someone to pick up. The representative was still unable to locate the application after several minutes, saying she needed a zip code and ssn to pull up any application. I let her know a fraudster could have given 1 of over 40k zip codes in the US. I then asked to speak with a supervisor, and she repeated the same line of questioning from the initial representative and then offered to transfer me to fraud which I had already talked with. 

Eventually, she said she would have to escalate this to a special team, and it would take 48 business hours for me to receive a phone call. In this day in age of identity theft, for one of the 4 biggest banks in this country to have this broken process of reporting identity theft is baffling.

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 2019-10-01
Company: EQUIFAX, 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:
Until my bankruptcy in XXXX ( discharged in XX/XX/XXXX ), XXXX ( XXXX ) reported my mortgage to all 3 major Credit Bureaus. I was told by their customer service, that they would stop reporting during the bankruptcy and start reporting again, when the bankruptcy is discharged. I exempted the mortgage from the bankruptcy, even if XXXX showed absolutely no interest in reaffirming the mortgage. 
However, the bankruptcy is now discharged for over 8 month and XXXX ( XXXX ) is still not reporting to the Credit Bureaus. I called there several times and wrote numerous emails and letters, but did not receive any answers. Their customer service is almost impossible to reach, and if I get through to them, they have absolutely no knowledge about my mortgage and are completely unable to provide any advise or help with this issue. Needless to say, with them not reporting my ( always on time ) payments, my credit score suffers a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The 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 need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/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 2020-03-03
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the USDOEXXXX partial account number XXXX. ( Please see attached credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted XXXX ; Experian and XXXX  and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2018-07-31
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I can not afford my monthly payment of almost {$700.00}, Navient has offered me programs in the past to help lower this payment. For some reason I am no longer eligible, and Navient will not give me a reason why. I have never been late in 8 years and have always handled my obligations with Navient. Now I am being punished by them and forced to pay double my payments and triple my interest rate. I don't mind paying my student loans but this much is outrageous!!

Company response to consumer: Closed with explanation