BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
On XX/XX/2017, i, sent out dispute letters certified mail to Transunion, XXXX and XXXX with return receipt with time, dates and signature received .On XX/XX/2017 transunion and experian received dispute letters, XXXX received dispute letters on XX/XX/2017. I, mailed verification request to verify inaccurate information on my credit reports.The inaccuracies ; a Bankruptcy Chapter XXXX dismissed / clsd and a Chapter XXXX Bankruptcy discharged, Along with XXXX account listed included Chapter XXXX Bankruptcy discharged. I have asked the XXXX credit Bureau to give me the furnisher of the information on the two public Bankruptcy and the XXXX account that 's included in the bankruptcy, I asked specifically for the name, number of the person that they verified this information with. According to FCRA laws, I thought i was entitled to this information. the 3 credit Bureaus completey ignored my request alone with previous request. all 3 credit reporting Bureaus sent back a letter stating the items are accurate. They also stated that the furnisher of the information is the US Bankruptcy Court - XXXX. I have written document from the US Bankruptcy courts states that they do not report or give out information to the credit reporting bureaus, states they use 3rd party database collectors to get and sale public information, I feel that all three credit bureaus has violated me and the FCRA Act, by giving incorrect false information about how they verified my request. And by NOT validate the accuracy they claim to have. The credit Bureaus should have to remove any derogatory information they are reporting. Completely because they are not validating any documentation not even bearing my signature and penalty and violations should be impose on them.

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 2018-03-30
Company: WELLS FARGO & COMPANY
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
" WFDS '' pulled my credit twice without authorization. Once on XX/XX/XXXX and again on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 2 fraudulent accounts. the bureaus just ignore 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 2019-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have monitoring services with all three credit bureaus which allow me to unlock and lock my credit report, since I am a continuous victim of identity theft. On XX/XX/XXXX, someone unlocked my credit report without my consent and then called and changed addresses, phone numbers, added accounts, credit cards opened, rented a place with my social security number. When I called to see how my credit report was unlocked when I had locked it back in XXXX, they kept transferring me to one department to another and manager to manager. Nobody could answer my question. I was left having to clean up the mess when I am paying them a monthly fee so that I and I alone can unlock and lock my report. I asked them if there was an additional step I could take so that someone impersonating me could not call and unlock my report and they told me that no

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 2021-05-21
Company: NAVY FEDERAL CREDIT UNION
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:
Unauthorized hard inquiry reporting on XXXX report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Halsted Financial Services, LLC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My account has been placed with Halstead Financial Services. here are the details : Halstead Financial Services : Original Creditor : Credit XXXX XXXX| XXXX. 
Current Creditor To Whom Debt Is Owed : XXXX XXXX XXXX Total Balance Due : {$1600.00} I had not spoken to Halsted at all until today XX/XX/2020. My mother called and said someone from Halstead called from XXXX on XX/XX/2020 and divulged information about the debt including phone numbers, amounts owed, and addresses. They said to my mother that she was a reference on the account, which she was not. I never listed her down anywhere on any account. I know they got the information from a skip trace report. I called Halstead today on XX/XX/2020 at XXXX EST and spoke to a XXXX  about this and said they would remove her number from the account. She ended up transferring me to a manager whose name I couldn't understand. The manager confirmed they did call and said in her notes that " they spoke to the debtor on XX/XX/2020 '' and said they had been sending statement after statement, which I have not received. I have only received an email from them on XX/XX/2020. When I confronted the manager about divulging the personal information about the account balance and creditor name, she said " That's how we run things here, and is out process and policy. '' I said no, per CFPB regulations, you can not divulge sensitive account information to anyone other than the debtor. She then said that they would have to go back and listen to phone calls to investigate. After trying to ask for more info on why this happened, she said they would list my account as " Cease Collections '' and hung up on me. I have also never gotten any communication from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On or about XX/XX/2018, Citi sent a credit balance check to me for {$23.00}. I have been making payments and charges for weeks. The reason stated was that I requested the return, which I did not. 

I had made a {$3.00} parking charge to that card on or about XX/XX/2018. This charge was not deducted prior to sending me a check. This would mean that I would have been responsible for late charges and interest charges, which I have not yet looked to see if they were charged or not. If the charge was made 4 days prior to them sending a check a did not request, this amount should have been deducted from the credit balance. 

Federal law says they are supposed to contact me to see if I want a refund of a credit balance that remains at 6 months. If I am charging and paying intermittently, how are they determining a balance remained for 6 consecutive months. New charges should be deducted from the oldest credit balance.

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 2020-05-18
Company: EQUIFAX, INC.
State: CA
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:
Equifax ; XXXX  and XXXX  should not be reporting the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old and it is a violation of the Fair Credit Reporting Act to not reflect accurate information on a credit report. This false reporting of an account that exceeds the time frame to report is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: HUNTINGTON NATIONAL BANK, THE
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:
Huntington Bank Voice MasterCard XXXX XXXX deception. 
We have a Voice MasterCard issued by Huntington Bank and at the time we signed up for the card we were told it covered any rental car damage not covered by our insurance. We had a minor accident with a rental car charged on our Huntington Voice MasterCard. The total damage was {$360.00} and {$110.00} was paid by our insurance company, leaving a {$250.00} deductible charge that should been covered by our Huntington MasterCard.

Our bank Relationship contact told us we were covered and just file a claim. After trying to file the claim it was rejected. We have talked to many people at Huntington including the branch manager and called the manager of the Huntington Voice MasterCard credit card division, none of whom had any knowledge that this card did not cover car rental damage. 
Attached is a copy of the " XXXX XXXX '' given to customers to file claim. On this XXXX XXXX   letter it even specifies to " decline the collision/loss damage waiver offered by the car rental company ''. Attached is a copy of the unpaid {$250.00} deductible bill that I had to pay. 
I am sure that somewhere buried in the vault of Huntington there is a document that says that there is no coverage, but this is clearly a very deceptive and unfair practice and should be put to an end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Experian Information Solutions 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:
Dear Sir or Madam : I am a victim of identity theft. The information which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Resulting from the identity theft that should be blocked, Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely,

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 2018-07-12
Company: EQUIFAX, INC.
State: OH
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:
Applied for a conventional mortgage in XXXX for a new home. Lender said I had a previous " Forclosure '' on my credit report. I have limited time to qualify for this loan in order to close on my new home, which is scheduled for XX/XX/XXXX. 

The mortgage servicing company, XXXX XXXX XXXX, is reporting that my " account was paid for less than full balance '', indicating that there was a forclosure and short sale. This is innacurate as the loan was indeed " paid in full with no balanbce due I have provided the HUD-1 statement from the sale of the subject property, and the payoff letter from from XXXX. I have contacted XXXX, who confirms that there was a forclosure started, but it was retracted since the loan was " paid in full with no short dale '' and that the payoff was not due to foreclusure. 

I recieved notice today from Equifax that they have completed my dispute regarding the inaccurate Information on my report. They said they confirmed the information, stating that the " Account ( was ) Paid For Less Than Full Balance ''. 

The lender said that this inaccurate reporting will prevent me from obtaining the loan necessary to close on my new home. 

I am enclosing all pertinent documents, showing that the XXXX reporting on my credit report is inaccurate. Their reporting is, and has been causing me financial harm. Please help me. I have done everything I can to get this corrected, and don't know where to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My account has been placed with XXXX XXXX XXXX. here are the details : XXXX XXXX XXXX : Original Creditor : XXXX XXXX XXXX XXXX. 
Current Creditor To Whom Debt Is Owed : LVNV Funding LLC Total Balance Due : {$1600.00} I had not spoken to XXXX at all until today XX/XX/2020. My mother called and said someone from XXXX called from XXXX on XX/XX/2020 and divulged information about the debt including phone numbers, amounts owed, and addresses. They said to my mother that she was a reference on the account, which she was not. I never listed her down anywhere on any account. I know they got the information from a skip trace report. I called XXXX today on XX/XX/2020 at XXXX EST and spoke to a CSR about this and said they would remove her number from the account. She ended up transferring me to a manager whose name I couldn't understand. The manager confirmed they did call and said in her notes that " they spoke to the debtor on XX/XX/2020 '' and said they had been sending statement after statement, which I have not received. I have only received an email from them on XX/XX/2020. When I confronted the manager about divulging the personal information about the account balance and creditor name, she said " That's how we run things here, and is out process and policy. '' I said no, per CFPB regulations, you can not divulge sensitive account information to anyone other than the debtor. She then said that they would have to go back and listen to phone calls to investigate. After trying to ask for more info on why this happened, she said they would list my account as " Cease Collections '' and hung up on me. I have also never gotten any communication from LVNV Funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: EQUIFAX, INC.
State: OR
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 a payday loan from XXXX XXXX XXXX in XX/XX/2020 and I paid it back on time one month later. Then I received another payday loan XX/XX/2020 and paid it back on time one month later. I have recently noticed I have two hard inquiries from them I did not authorize them to do a credit check, nor did they disclose to me that they were doing a credit check it was literally a four minute interaction I was borrowing money from my own paycheck..On top of that they did too hard credit checks within a one month period for the exact same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Checkr, Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I had XXXX of XXXX  without a XXXX and the XXXX were dropped, and checkr reported to XXXX that I was XXXX this is not true

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Navient Solutions, LLC.
State: NY
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 regularly check my credit reports, and noticed it's been over 7 years since my Sallie Mae account transferred to XXXXXXXX XXXX XXXXXXXX XXXX. I reported it to all bureau asking that Sallie Mae listed on my report dated XXXX be removed as its over 7yrs. I received several letters from Navient, stating the information they have provided to the bureau 's are correct, meaning that I have an account with them. I immediately responded asking Navient to provide document to support an open and active account with them, as they've been reporting. They have provided nothing to support my having any obligation to pay them. As noted my account was transferred prior to Sallie Mae going defunct in XXXX and Navient taking over. To date my account with XXXX XXXX XXXX XXXX is in good standing and payments made on time. Navient is not listed any where on my Student Loan as having any  association with my account at all. I've asked them on several occasion to provide documents to support an open active account. They provided me with my promissory note dated XXXX, XXXX, which is NOT in any way showing that I'm obligated to pay Navient, but the XXXXXXXX XXXX   XXXX which again is in good standing to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XX/XX/2018 I sent a letter with a copy of my social security card, utility bill, and photo id to update my personal information to only include my current information and to delete the other information reported by the credit agency on my credit file. No updates have been made as of XX/XX/2018.

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 2017-08-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I been working with this company since 2012 for a modification. i kept paying and she kept saying we were good then sale dates were postponed. now we lost the house. And I now have to move and get my things out and still waiting for a answer of what to do.

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 2021-11-29
Company: BARCLAYS BANK DELAWARE
State: MA
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 disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The information for this account listed on my credit report is : BARCLAYS BANK DELAWARE, BALANCE {$1800.00}, OPENED XX/XX/2019, ACCOUNT 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 2018-09-24
Company: Navient Solutions, LLC.
State: OH
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 originated a private student loan from Sallie Mae, that is now Navient. I have been unable to pay the company, they would not allow for any further deferrance or a forbearance, at the time. The debt has now been sent to collections. On two occasions, I have recieved information that people associated with family members, who are not a spouse of me or the cosigner, have been contacted by the company regarding the debt. I am not sure how the company got the information of these individuals because they are not involved with the debt, and were never listed as contacts or references on the loan.

Company response to consumer: Closed with explanation