BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-16
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
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 was in the beginning stages of applying for a HELOC ( Home equity line of credit ). I was told over the phone on a recorded line by XXXX XXXX at Huntington National Bank ( XXXX # XXXX ) that my credit score would only be hard pulled once. The phone ( XXXX ) conversation took place approximately XXXX XXXX on XXXX/XXXX/XXXX. 
The next day, when looking at my credit report ( XXXX/XXXX/XXXX ) I 'm seeing there were two hard pulls by Hunting National Bank. Fist one on XXXX/XXXX/XXXX, then another on XXXX/XXXX/XXXX. I did not authorize the one on XXXX/XXXX/XXXX nor did I expect to see two hard inquiries pulled back to back within two days. 

I 've sent numerous emails out to XXXX XXXX concerning this matter, but no responses or reply 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
GOOD DAY I SUBMITED MY LOAN MODIFICATION REQUEST AND WAS GRANTED A LOAN MODIFICATION. I HAVE FOR THE LAST THREE MONTSH HAVE BEEN MAKING MY TRIAL MODIFICATION PAYMNET ON TIME. EACH TIME SENDING THE PAYMNET VIA CERTFIFIED FUNDS AND MAIL. 
I RECIVED A DOCUMENT FROM FAYE SERVICING THAT SAYS MY MORTGAGE PAYMENT WILL INCREASE ANOTHER XXXX XXXX DOLLARS NOT TO MENTION THAY HAVE INCREASED SEVERAL XXXX  OF DOLLARS TO MY PRINCIPAL MORTGAGE. I HAVE ATTCHED THE CORRESPONDENCE. 
I WILL CONTINUE TO MAKE MY TRIAL PAYMENT AMOUNT WHILE I ASK FOR YOU HELP IN GETTING SOME ONE FROM THERE EXCEUTIVE OFFICE TO PROVIDE A PAYMENT HISTROY, IN ADDITION AS TO HOW MY PRINCIPAL HAS BASCIALLY INCREASED BY XXXX  OF DOLLARS. 

I am writing to you regarding my loan modification document which I received on XX/XX/2021. I have left 2 messages for XXXX XXXX with no response. 
My principal balance on my Fay Servicing XXXX statement shows as {$240000.00} and my escrow balance shows as - {$9400.00}, total being {$250000.00}. The principal balance on the loan modification document shows as {$270000.00}. Thats a discrepancy of {$20000.00}. In my messages to XXXX I asked for a explanation of this discrepancy. 
I can not sign these documents without an explanation as there was never an agreement for Fay servicing to add {$20000.00} to my principal balance. 
As you are requesting these documents be signed, notarized and returned by XX/XX/2021, this issue is paramount. Giving me 5 days to review, sign and notarize is not acceptable. 
Please advise me of the discrepancy between the loan modification documents principal balance and my most recent statement from Fay servicing immediately. You may respond by email or you may call me at XXXX and/or call my HUD representative, XXXX XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, 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:
my Identity was stolen. 

I am a victim of identity theft. 

the following accounts below are UNauthorized. 

Please block and remove these UNauthorized accounts. 

These accounts are fraudulent. Please block and remove 1 ) Company or Organization : XXXX  XXXX XXXX Account Number : XXXX amount {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I submitted an investigation request to Equifax on XX/XX/XXXX. They were supposed to respond with the results within 30 days, but have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMES TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT

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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMES TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT

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 2019-07-25
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hello I filled a dispute with EQUIFAX regarding information on an account that was closed XX/XX/XXXX. As of XX/XX/XXXX - XX/XX/XXXX they had reports that payments were being accepted to this account. XX/XX/XXXX was listed as 30 days delinquent. So I filed a dispute I have a dispute number # XXXX. When I tried to view the the results online per there instructions, I get please call this number. I have called this number no less then 12 times, only reaching a live person 3 times, each time they say " sorry we can not access your file at this time, please call back in 30 min to an hour. '' I believe this is an organized FRAUD they are perpetuating on consumers. This may be grounds for a Class action suit against EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Navient Solutions, LLC.
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/XXXX - Navient shows full funds were disbursed to XXXX XXXX XXXX for a 2 year degree in XXXX  XXXX. The actual date of attendance would have been in XXXX XXXX XXXX. The full course XXXX XX/XX/XXXX - XX/XX/XXXX ) was not completed, at less than 50 percent attendance. XXXX falsified their records showing that I had attended beyond 60 percent attendance. This was revealed by Navient on XX/XX/XXXX. 
XX/XX/XXXX - XXXX closed all for profit locations. 
XX/XX/XXXX - I sent a letter stating all pertinent facts regarding the education I did not receive from XXXX XXXX XXXX, however was being forced to pay for. This included employment - only available through temporary agencies though this is not what was promised at the time of entering, the closing of the school and therefore their credentials were no longer being accepted, after several attempts to obtain loan documents ( XX/XX/XXXX,, all that could be provided was the signatory page, an attempt was previously made to complete the coursework online prior to the closing, however was told that I needed to start all over and pay again. 
XX/XX/XXXX - I contacted the Department of Education and they forwarded me to the Federal Student Aid Ombudsman Group. 
XX/XX/XXXX - I contacted the Nebraska Attorney General 's Office. They forwarded me to the Department of Education. 
XX/XX/XXXX - I contacted the Office of the Customer Advocate for Navient. They suggested I seek legal counsel regarding the handling of my account and loans. 
XX/XX/XXXX - Borrower Defense to Repayment application submitted to Navient. 
I have received XXXX emails, both dated this year, that state that I do not qualify. 
XX/XX/XXXX - I applied for an income sensitive repayment plan due to the inability to make payments, but was told that I must pay the interest which amounted to $ XXXX. In XXXX, my payments were entered into forbearance without my consent and are set to resume XX/XX/XXXX at the amount of $ XXXX. 
I could not seek work outside of the home due to the major medical needs of my youngest son. This has never been taken into consideration. Due to spending a majority of his life being hospitalized, I will never put this student loan above his medical or medication needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, 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:
Hello i'm writing regarding account on my credit reports that do not belong to me and was opened fraudulently i tried to handle the issue with credit bureaus but not a big help its still there.I checked my credit report and they had a wrong date of birth and addresses there to which i sent credit bureaus copy of my driver license with my real date of birth and an ftc report in which they did not responded and the account still remains on my report dramatically lowering my credit score.I will go ahead and attach the FTC report to my complaint and i expect credit bureaus to block inaccurate information.I also went ahead and talked to the creditor and found out that whatever information they have on their end the account that was opened under my social security number did not match with my date of birth or address that i reside on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Investigation took more than 30 days

Complaint:
Some time in XX/XX/XXXX, XXXX XXXX sold my mortgage to XXXX. I did not authorize this, initiate or suggest this change. My mortgage was with XXXX XXXX since XXXX. When XXXX sold this mortgage, they closed my account. This caused my mortgage history to be eliminated with the credit bureaus, and showed up on XXXX, Transunion, and XXXX  as a closed account. I did not authorize nor request the account be closed. 

This change also resulted in a 69 point drop on all my credit reports. When I called to dispute this, Transunion said there was nothing they could do about this, and to keep paying on time as I have been doing, and the score would rebound. 

This is absolutely absurd. I work hard on paying my bills on time in an effort to keep an outstanding credit report. 

Please address this situation. It's devastating to see your credit score is in the 700 's, but a business takes this action, dropping your score to 600 's, and the consumer has no say in the matter.

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 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have four civil judgments in court they are not my accounts, the credit profile was mixed with mind I called the creditors and all three Credit bureaus to have them delete theses accounts

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 2020-09-17
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi and hope you're doing well during this Covid-19 pandemic? Be safe! Listen, I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before for XXXX bill for {$1200.00}. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2023-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my account due to a scam I had no part of, someone that I did not know sent me a XXXX, I later got a call saying I had to send that money back which I did. It seems that the actual owner of the account that sent me money reported me saying that I scammed then when I in fact had nothing to do with it. As a result of this Bank of America closed my account even when I made a report about this, this happened last year

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 2020-09-17
Company: Broward Adjustment Services
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Im shocked, surprised, XXXX out both physically and mentally to find this XXXX collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXXBalance : {$20000.00} XXXX XXXX Balance : {$6200.00} XXXX XXXXXXXX Balance : {$13000.00} XXXX  XX/XX/2023 XXXX  XXXX XXXX XX/XX/2023 XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023XXXX XX/XX/2023 XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXXXX/XX/2023

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 2023-03-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have asked flagship to remove this off my credit, I did not give written consent for this loan to be reported, late payments has been reported inaccurate. This has cause several denials for other things Im trying to purchase. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 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 a account without my Written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Please remove this account from my credit file.

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 2019-06-07
Company: EQUIFAX, INC.
State: TX
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:
confirmation # XXXX I field a disputed with Equifax about an account that has shown up on my credit field, asking to find out when and where the account was open and to removed. I receive a statement from them lowing the amount and still not the information i requested. I called the number XXXX in the XXXX and all they could do was read the file back to me. 
XX/XX/2019 account now states {$50.00} XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under. 15U.S.C1681 Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX  # XXXX Account XXXX XXXXXXXX Account # XXXX XXXX XXXX  # XXXX. Has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.15 USC 1681 604A section 2 It also states a consumer reporting agency can not furnish a account without my written Instruction. 15 USC 1681 c ( 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 then convictions of crimes which antedates the report by more then seven years.15 USC 1681 c 2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have 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 2021-05-04
Company: PNC Bank N.A.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
PNC bank issued me 2pin number for same debit card discriminated against me then closed my XXXX bank account with them 2diffrent pin numbers for the debit card and wouldn't correct the problem declined transactions everwhere

Company response to consumer: Closed with explanation