BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: AZ
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:
The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX/XXXX  A XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX 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 2022-12-12
Company: The Receivable Management Services LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile XXXX, I identified a discrepancy with the account listed under The Receivable Managment and requested validation as this was an account I did not recognize. Its been over a month and I still have not recieved any correspondence from the creditor validation that the account belongs to me. I reviewed my credit report again XXXX and the account is still reflected on my account. I sent a second letter of debt validation and have yet to receive any debt validation. I do not believe this account belongs to me, nor do I believe that the creditor has the authorization to access this account or authorization to attempt to collect on this account. this account continues to negatively affect my credit profile. Please remove this account from all three credit bureaus.

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 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Mailed four written request to each credit bureau to dispute an unverified account on my credit profile. Under the FCRA you are required to have a copy of the original creditors documentation on file to verify that the information is correct. Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it.

Received four written letters in return from each credit bureau after each investigation stating that the account was verified.

Despite all four letters mailed I was never provided a copy of any documentation with my signature on it as requested. Yet, the account XXXX XXXX XXXX XXXX still remains on my credit profile unverified. According to the FCRA section 611 ( 5 ) ( A ) you are required to promptly delete all information which can not be verified. 

Date letters mailed : XXXX XXXX XXXX XXXX XX/XX/2022 XX/XX/2022 Account : XXXX XXXX XXXX XXXX # XXXX Amount : {$760.00}

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 2021-05-13
Company: FREEDOM FINANCIAL NETWORK
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I called freedom debt relief to cancel monthly ACH due to me losing my job they said I can't and I can only reduce the Amount and I should be calling them monthly to reduce, I called XX/XX/XXXX to reduce its to {$20.00}, and they confirmed. Today I checked my account they withdrew {$780.00} without my approval, causing an insufficient fee charge of {$30.00} from my bank and another {$35.00} from my mortgage company I had schedule a mortgage payment which bounced. Please I need your help, Freedom Debt Relief has being charging fees for non negotiated settlement and other fees,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
( 1 ) I have had online paperless billing with my conventional mortgage serviced by Nationstar Mortgage XXXX  d/b/a/ Mr. Cooper. They had been generating an online statement by the XXXX of previous months. It is now XX/XX/XXXX and there is no statement available on their website. When I tried chatting on the app, the computer said no representatives were available. When I phoned just now, the telephone representative claimed their computers were inoperative and told me no account help was available. She told me to call back tomorrow. ( 2 ) I requested last month that Mr. Cooper eliminate and close my escrow account. This year 's insurance and tax bills have both already been paid from that escrow account. I can not view any escrow history anymore, and have NOT received a refund for the remaining payments to the escrow account that resulted in a leftover excess balance. Looking in their website, it is as if I never even had an escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Nelnet, Inc.
State: MD
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 complaint is concerning accounts Great Lakes is furnishing to the consumer reporting agencies. Please see the attached documents to view the specific details about this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
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: Account status incorrect

Complaint:
XXXX XXXX XXXX Account # XXXX was paid XX/XX/2020 and was advised with payment it would be deleted off account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Experian Information Solutions 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 following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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

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 2022-08-23
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX. 
This account has been paid in full. Late payments still report and loan still reports on credit report. 
XX/XX/2019, account has been paid in full. 
Amount of {$16000.00} Has been disputed previously before, but still reports on credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX Account # XXXX account was paid XX/XX/2020 and was advised it would be deleted off credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-11
Company: CCS Financial Services, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an auto insurance policy on XXXX XXXX XXXX then they increase my policy payment from {$110.00} to {$150.00} without telling me because I was paying auto payments they just increase my policy payment then I called them and I told am going to cancel their policy I cancel XXXX XX/XX/2022 while two days left my for my regular payment due, even I owe them two, despite all this they sent my information to credit collection They not told me anything that they owe me Because they didn't owe nothing This is not fair, increasing the policy payment without notice and then sending me to collection when I cancel their policy

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: SC
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 am in the process of buying a home. I been analyzing my credit to making sure my debt is truly mines. These hard pulls are not mines at all. I did not authorize these inquires now do I do them. The follow items are what I do not recognize and they are repeatitive : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-12-12
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 am a victim of Identity theft. This is my official statement about the crime. 
Contact Information Personal Statement Accounts Affected by the XXXX XXXX XXXX XXXX XXXX XXXX FTC Report Number : XXXX First Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Other Identity Theft Company or Organization : Total fraudulent amount : {$0.00} Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO Under penalty of perjury , I declare this information is true and correct to the best of my knowledge.

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
XXXX XXXX XXXX XXXX XX/XX/2022 Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police.

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 2022-12-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This was back in 2016 I was trying to stop a foreclosure in my home address was XXXX XXXX  XXXX XXXX in XXXX XXXX XXXX XXXXXXXX I wasnt able to stop the foreclosure because I was just trying to keep my home I tried really hard to reach out to the company but to avail I still lost my home

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 2021-10-30
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Resubmit to CFPB XX/XX/2021 : FYI : have not heard back from CFPB -- - sent 4 attachments with documents spanning XX/XX/2021 to date to CFPB to settle issue with the involved companies. BBT continues to charge ongoing late fees and interest charges on my credit card since XX/XX/XXXX.

BBT/Truist Bank and impacts XXXX XXXX insurance as well -- - Communication to BBT CEO , Email, and multiple customer website communications to both organizations ; multiple discussions with Dispute Ctr BBT by phone and documents sent, also spoken with BBT Collections when they called me 2 weeks ago. The latter individual " XXXX '' ( they " do not give '' phone call confirmation numbers ) knew what needed to occur and should have occurred already, " a charge-back '' to BBT. Also informed her that the USA CFPB has a written online complaint from me about this impasse. 

No one resolves it. Every other credit card group contacts the merchant involved and will directly resolve the problem, not BBT.

BBT charged for the health insurance premium which had been paid for quite some time by me with them. For some reason, XXXX, the health insurance provider did not receive the summer payment although paid to BBT, and their letter indicated I would have my insurance cancelled if not paid promptly to them. I paid them at that point to avoid insurance contract cancellation. So, XXXX in the meantime was paid by both BBT and myself. 
Recently, I return-mailed to the BBT Dispute Center another synopsis of the above and all my health insurance identifying information for them to settle with XXXX. 

I have/have had for years a terrific FICO scores & now this.

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 2022-08-01
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received an alert from MYFICO.com that prompted me to contact Transunion by phone on XX/XX/2022 regarding an unauthorized inquiry on my credit. I was informed by the Agent that the inquiry had been removed and my credit report would be updated within 48 hours. However, the offending inquiry is still reporting. I have since called back and the agent I spoked with this time refused to review the notes on my account and delete the fraudulent inquiry. As such, I am hereby demanding for the following offending unauthorized inquiry listed below to be immediately deleted from my credit report : XXXX  XXXX XXXX XX/XX/2022 Please remove this offending unauthorized inquires from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
Company: PNC Bank N.A.
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am submitting this complaint on my own behalf regarding attempted debt collection activities from PNC Bank. Back in XXXX of 2021, I received a notice from PNC Bank stating that I allegedly owed them a debt. I have NEVER entered into any consumer credit transaction with PNC Bank. I sent PNC Bank a letter by certified mail with return receipt that they indeed received ( See attachments ) In XXXX of 2021. In this letter I asked them to provide me with debt validation pursuant to the FDCPA. In this notice I also told PNC Bank not to contact me by telephone. I gave them consent to mail me any correspondences ( see attachments ). To this date I still have not received debt validation which is a violation of the FDCPA 15 usc 1692g yet they continue to mail me statements and demand payment. PNC Bank is also in violation of 15 usc 1692d. I asked for them not to contact me by phone in my notice to them in XXXX. PNC Bank has continued to call my phone all throughout the day into the late evening. I've asked multiple reps to note the account for them not to call me but the calls have continued. One rep even told me they would call me until they received a written request, which I've done. I am a truck driver who works various shifts, their calls break my rest all the time which could be harmful to myself and others as I have to drive over the road, they call me at work and other times which are ALWAYS inconvenient for me which is why I told them NOT to contact me by phone. This is a violation of 15 usc 1692c. Because I know that I never entered into a consumer credit transaction with PNC Bank I asked them to provide me with documented evidence that showed my alleged indebtness to them, the original promissory note and a letter of sale or assignment from the " original creditor '' ( see attachments ) to PNC Bank, which again they have not provided. I am now submitting this complaint to the Arkansas Attorney General and any other regulators and legal counsel who will assist me in this matter as I have enough proof to move forward with legal suit for willful noncompliance of the FDCPA and seek damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
This is my second time seeking a response from this company. The last response made absolutely no sense. The card was issued in XXXX 2022 and the funds were stolen in XX/XX/2022 yet bank claims they mailed a refund check in XX/XX/2022. Unless they invented time travel, they are clearly lying. 

-- -- -- This garbage bank allowed thousands of cards to be compromised through their dinosauric computer systems. When customers try to complain, they are given the run around. I had a {$25.00} card drained by a hacker into their horrible computer system. Per their website I followed the instructions to dispute the card : https : //www.myprepaidcenter.com/faq? type=generic " How do I submit a dispute? { Option 2 } : Submitting a dispute by phone Call the number on the back of your card or the number listed on this website Listen to the prompts on the phone and select the option to dispute a transaction and select this option '' When I called, I had to call 3 times where I was hung up on and then finally the fourth call, I had to wait over an hour and was forced to talk to three different operators on that one call alone. None of which would take a dispute over the phone despite what their website said I could dispute over the phone. This bank is a fraud. They know they compromised their customers secure data and then make it impossible to recover the stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: MIDFIRST BANK
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX ( recently rebranded as MidFirst ) illegally withheld interest earned in my checking account. On XX/XX/XXXX, I called to close my XXXX account. The representative informed me that although I had brought my balance to zero, my account had earned interest that had not yet posted. She asked whether I wanted to forfeit that interest by closing the account before the interest posted. I said no, I did not want to forfeit the interest, so I would wait to close the account until after the interest posted. I asked when the interest would post. She said early XXXX. I told her I would wait until the interest posted, then call back in XXXX to close my account. My bank statement dated XX/XX/XXXX accurately states that I had " interest earned '' on my account. But that interest had not yet posted. On XX/XX/XXXX, I called to ask when that interest would post. A representative named " XXXX '' claimed that I had forfeited that interest by closing my account. I said no, I had neither forfeited the interest nor closed my account, as evidenced by the XX/XX/XXXX recorded call. He said XXXX had closed my account. I asked when XXXX would send me the interest earned, as other banks do after an account is closed. He argued with me and interrupted me repeatedly, and finally agreed to submit a " call review request '' for a supervisor to review the recorded call and then contact me about it. No one has contacted me. In sum, XXXX blatantly disregarded my instructions, closing my account prematurely so that it could avoid paying out earned interest. XXXX has rebranded itself as " MidFirst, '' apparently to avoid the stigma XXXX earned for treating customers badly. REAL banks pay out interest earned, even after account closure.

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 monetary relief
Consumer complaint received 2022-07-30
Company: EQUIFAX, INC.
State: UT
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 following Account has violated my rights : XXXX XXXX XXXX Account # XXXX, Amount {$1200.00}, Opened XX/XX/2017 15 U.S.C. 1681 Section 602 A States that 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 an account without my written instructions.

Company response to consumer: Closed with explanation