BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-29
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: Account status incorrect

Complaint:
These accounts have Inaccurate and erroneous information on my credit file. I have n

otified Notified Trans Union on several times on top of the companies listed below. They continue to say they verified information that I know they have not verified because it is incorrect so there is no possible way they could have verified information that is not true. Because of their negligence in reporting and inaccurate information it is causing me to have difficulty renting or purchasing a car. Covid seems to be the excuse for every Company not to follow the Federal law where credit reporting is concerned. They have not verified, any of the debt that they are claiming belongs to me. I have never done business with any of these companies and none of these companies have contracts from me or assignments that show any proof that I have done business with 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 2023-11-21
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: OH
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 MY CREDIT REPORTS, I HAVE A XXXX DAY LATE PAYMENT ON MY SUN FEDERAL ACCOUNTS WHICH WAS DONE IN ERROR. I SPOKE WITH A REPRESENTATIVE FROM XXXX XXXXXXXX BY THE NAME OF XXXX XXXX WHO ACKNOWLEDGE THE ERROR AND STATED THAT THE CREDIT BUREAUS WERE CONTACTED TO CORRECT THE ERROR. I HAVE DISPUTED THIS INFORMATION WITH THE CREDIT BUREAUS AND THEY CONTINUE TO SAY THAT THEY INVESTIGATED THE INFORMATION AND FOUND IT TO BE CORRECT ; WHEN IN FACT IT IS AN ERROR THAT THEY REFUSE TO FIX. MY ACCOUNT WAS NEVER XXXX DAYS LATE AND THE XXXX XXXXXXXX XXXX XXXX SUBMITTED THE CORRECT INFORMATION WHICH XXXX, XXXX AND EQUIFAX WILL NOT FIX. 
THIS IS A VIOLATION OF THE LAW TO HAVE INCORRECT INFORMATION REPORTING ON MY CREDIT FILE, NOT ONLY THAT, MY CREDIT SCORE DECREASED OVER XXXX POINTS BECAUSE OF THIS. IT ISN'T FAIR THAT MY CREDIT SCORE AND MY CREDIT FILE HAVE TO SUFFER DUE TO AN ERROR THAT HAS BEEN DISPUTED NUMEROUS TIMES AND THESE CREDIT REPORTING AGENCIES REFUSE TO FIX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: WELLS FARGO & COMPANY
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX I was contacted by an unknown company using phone # XXXX stating that I needed to call their office at XXXX because they have some very important, time sensitive documents for me to sign for. The address they have is over XXXX years old. When I call back I talked to XXXX XXXX. She informed me that they are trying to serve me legal documents for a debt that is outside of the statue of limitation. The debt is XXXX years old. I informed her that I claimed bankruptcy on that account in XXXX. She demanded that I send her my bankruptcy documentation via fax XXXX. Again, a different number! So I thought about it for a day and sent her a letter via Fax asking for proof of debt and for all communication to be done via e-mail because I was not giving her any additional personal information. I also informed her that if I don't receive it within the 30 days I would consider this account closed. I have not received anything from her. Not sure if this is even a legitimate debt or company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was told by a navient representative that if I made XXXX on time payments and sent in all the proper information that I could get my co-signer released. I've made these on time payments. Last XXXX there were fires in California where I live. I got a message from Navient saying that because of the fires they were giving a disaster relief forbearance. I called them to make sure this wouldn't effect my co-signer release and I'd be able to keep my XXXX consecutive payments with no problems. They assured me it wouldn't effect me negatively. Fast forward to now. I sent them all my tax info, my diploma and proof of citizenship. My XXXX payments have been made and now they're telling me that I do not qualify because last XXXX there was a late payment. My loan history shows nothing of a late payment and this is contradictory to what I was told when I called in to make sure I'd be ok if I accepted the disaster relief. I'm stuck and they are not helping. I've been paying on these loans for 16 years, I just want my co-signer released. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: American Student Assistance
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In XXXX I went to college took out students loans has some difficulty sometime paying them I was a divorced at that time I finished college since XXXX I have paid my loan on and according to jobs and job loses. Now here we are in XXXX. 

I borrowed XXXX XXXX paid back XXXX XXXX towards the loan paid back XXXX XXXX in interest and still owe XXXX XXXX plus more interest They started to garnish my pay take my taxes and that is when I tried to do bankruptcy I am now pulling out of bankruptcy because they can not discharge a student loan. 

It is very unfair for a loan to to charge me over XXXX XXXX for a XXXX XXXX loan How can I go about getting involved in a class action suit against them taking advantage of me. They are nothing but predators, putting me deeper and deeper in debt when in reality, My loan has been paid off almost 2 times plus. I need some help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions 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:
This is a fraudulent inquiries from a dark web exposures are as follow XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-10-29
Company: U.S. BANCORP
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: Account status incorrect

Complaint:
In mid XX/XX/2020 my wife and I contacted US Bank representative XXXX XXXX at XXXX XXXX to inquire about applying for a home equity line of credit. 

I was a mortgage broker in the past and familiar with underwriting requirements credit inquiries and scores, specifically asking XXXX if the proceeds could be used for a down payment on another home, otherwise we would not apply and damage our perfect credit rating. 

Being suspicious, to make absolutely certain I asked again and again because no other lender allows proceeds to be used for this purpose. 

Well we do! was the response from XXXX. Over and over. Again and again. 

He assured us it was an allowable use many many times in multiple subsequent phone conversations and emails. 

In addition, I spoke with XXXX in detail numerous times about every other aspect and requirement to make sure we complied with everything otherwise again we wouldnt waste time applying knowing wed be declined. Who would? 

Well we applied based on XXXX statements, assurances and declarations. 

And of course we were declined. 

Reason given : proceeds could not be used for a down payment on another property. 

Huh? What? 

I contacted XXXX XXXX at XXXX several weeks ago who represented herself as XXXX XXXX XXXX for that area. 

Upon hearing the situation she immediately graciously apologized and assured me that this was indeed a banker error in her words and that she would reverse the credit inquiry ASAP and we should expect a letter of confirmation to that effect within a few weeks. 

We just received a letter from the US Bank Credit Report Dispute Dept saying that they would NOT in fact be removing or reversing the inquiry on the credit report. 

We feel misled and abused. We need help. We are good solid senior citizens with no criminal records and perfect credit scores and consider this elder abuse. I am XXXX and a XXXX patient. My wife was a nurse for over 50 years. Were good people who have been taken advantage of. 

Please contact us ASAP @ XXXX or XXXX XXXX XXXX and 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 2021-04-29
Company: Longbridge Financial, LLC
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Following a refinance on a reverse mortgage with Longbridge Financial L.L.C. I received correspondence via mail of a Release of Lien paid off for the amount of {$530000.00}. The amount of my monthly statements reflect the my current total loan balance is XXXX, XXXX. There are no delinquencies on my property. The explaination by the company representative did not in anyway detail the facts of my personal documentation. A difference of {$260000.00}. Please advise me as how I can mitigate this discrepancy.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: EQUIFAX, 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 belongs to someone else

Complaint:
Dear XXXX Equifax Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 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. Enclosed are the following 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. 
See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: AL
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:
Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent inquiries and Personal information from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any inquiries and Personal information listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of inquiries and Personal information that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
This account was paid in full I also received a letter from company it self stated its XXXX  out on there end. My credit report still saying a balance of {$200.00} this is the third time Im disputing it thru Experian I even send prove over from the company it self .. keep getting false 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 explanation
Consumer complaint received 2020-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have submitted 4 times certified letters to the bureau to investigate my inaccuracies on my credit report in regards to unverified accounts that are severely damageing as we are trying to buy our first home and can not get a loan with the unverified accounts. As a result of our letters to the bureau they keep writing back that they have verified the accounts in question but have provided no proof as I have demand to see Verifiable Proof of ( an original Consumer Contract with my Signature on it ) for the accounts which According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify and to show proof of verification. The Bureau sent letter back saying all was verified but they didn't provide how and proof of any signature from me on any contract with the company in question. why cant they show the proof? 

The last letter we sent which was dated XX/XX/20. 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

The Bureau wrote back they have verified but again no proof of anything.

Transunion wrote us a letter back saying we were correct as they could not verify the accounts and promptly deleted them. So i am asking Transunion to do the same here.

So once again we are submitting a letter in mail today XX/XX/20 to Transunion and a copy to XXXX  to verify see copy below.

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 2021-07-23
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Im having issues with Coinbase. My account has been locked since XXXX Im not receiving any response from them after numerous contact. I received a push notification from them about my account been compromised on that day. 

Also a {$1000.00} was withdrawal from my bank account on XX/XX/2021 ... Im working with my bank to resolve that issue. 

I want Coinbase to contact me and unlock my account. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-20
Company: DISCOVER BANK
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have 2 private student loans (#XXXX  & #XXXX) that are serviced by Discover Student Loans.  As I did not receive my billing statement in the mail, I reached out to Discover and was informed that a system upgrade automatically changed the billing statement method of receipt (paper to paperless).  Apparently, this system failure happened back in XX/XX/XXXX and impacted my XX/XX/XXXX and XX/XX/XXXX (and conceivably every month thereafter if not for my intervention).  Discover never reached out to me. I never received any phone calls, emails or letters.  Furthermore, and most disturbingly, Discover never did anything to correct their mistake.  Since they knew the error, why not correct it?  Instead, they continue with their dishonest behavior and allow the account to become past due and possibly worse if not for my intervention.  Another deplorable and despicable example of student servicer engaging in BAU.  They should be penalized to the fullest extent of the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In the whole year of XXXX XXXX the where making my account goes on overdraft and keep charging me when the money waw there they keep taking the money then added the money back there again changing the amounts in available balance sometime I got some money and then there money wasn't there for some reasons transactions. The amount on the ATM withdrawal crazy

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 2019-01-28
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have not received communication from the account servicer, Navient, about the change in interest from this loan. 
I have noticed that every month, they have been raising the payment due for the loan without providing a notice that such a change has ocurred. 
I want them to be transparent about how they handle the payments and why that required payment keeps going up in just a matter of months. 
I assume that the interest rate of this loan is not supposed to go up this quickly. 
The rate just months ago was 8 % and suddenly without proper notice, it has been increased to 9 %

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Professional Collection Company
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX called from Professional Collections in XXXX, LA. I was sitting in my office during this phone call and my assistant was helping me answer phone calls. When we answered the calls, XXXX said she was calling for XXXX and went straight into listing my debts and amounts, some of which were medical. She did not confirm my identity nor did she read the mini XXXX rights. My assistant heard the entire call and unfortunately knows about two of my debts- medical and utility. When I asked to speak with a supervisor, I was forwarded to someone who asked if I was just not intending to pay my debt or why I was making such a ruckus. Once again, dismissing my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Mercedes Benz Financial Services
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my auto loan payment on XX/XX/XXXX. I requested a loan payoff online on Mercedes Benz Financial Services ( mbfs.com ) and payed the entire amount indicated. The website said the title would be sent out. I waited patiently for the title to be mailed and followed up the week of XX/XX/XXXX after not having received it. I called XXXX XXXX and they said that they would expedite it. I received a call today XX/XX/XXXX that there was a misallocation of funds to my auto account in XXXX of XXXX. I asked the representative why was I not made aware of this in XXXX of XXXX, particularly in writing. She claimed that the customer just recently called about it. How coincidental that once I pay off my vehicle, I am now encountering an issue with my account. I understand that mistakes can be made because we are human, but to not notify me in a timely fashion. This does not add up for me. I am not seeing any data that shows a misallocation of funds in XXXX. I see 2 reallocation line items in XX/XX/XXXX that cancelled out each other and another in XX/XX/XXXX but is not cancelled out. I feel that this is another XXXX XXXX move and that I am likely not the only one experiencing this and Mercedes Benz Financial Service needs to be held to a higher standard.

Company response to consumer: Closed with explanation