BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 went to XXXX XXXX dealership in XXXX on XX/XX/2021. I repeatedly asked and demanded the representative to not shotgun my credit. He disregarded my request and shotgunned my credit to all of his lenders. He was never given written consent to do this and he can not prove any written signature from me stating that I gave him permission to run my credit multiple times. I have repeatedly tried to take this information off of my Transunion report but Transunion refuses to cooperate with me. 

Transunion has actually not cooperated with any of my requests in regards to my credit report. They have stayed their company policy exceeds the federal law & Fair credit reporting act. I have demanded these inquiries off but they refuse to cooperate with me. I understand that i am the consumer & they refuse to work fairly with the consumer.

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 2017-02-27
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I paid ALL of the open collection accounts on ALL XXXX my credit reports during the summer of XXXX. In XX/XX/XXXX. I received notice that collection account from XX/XX/XXXX had been added back to my reports ( for a second time ). The collection account appeared on my report several years back, but due to issues with the original creditor changing management companies, my collection account was removed. It is my understanding that a collection agency can not " re-age debt ''. I called all XXXX agencies explaining that this was the second time that this account had disappeared and reappeared on my credit report. After rude conversation with multiple agents, I gave up. This past week the exact same thing happened. The collection account was removed and added back to my report due to a " glitch '' in their system. I was told that a glitch in the system was confirmed and that I needed to call back within a few days to discuss having the debt removed frm my report. I was also told they would not remove the debt until they figured out what caused the system to fail. I then spoke with someone else who would not confirm anything and was MORE than unwilling to assist me. Within days, this collection account and multiple inquires were removed and added back to my account. This has happened several times particularly with this one collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have mailed my documentation of late payments that have been forgiven. There still has not been a change in the status of my credit report concerning this. It is damaging my credit. This is a violation of 15USC 1681. I demand that this be removed immediately.

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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have mailed my documentation of late payments that have been forgiven. There still has not been a change in the status of my credit report concerning this. It is damaging my credit. This is a violation of 15USC 1681. I demand that this be removed immediately.

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 2022-04-21
Company: Monterey Financial Services LLC
State: MO
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:
On XX/XX/2022 Monterey Collection Services XXXX XXXX at XXXX XXXX maliciously placed a {$4800.00} amount on my personal credit report with XXXX, XXXX and XXXX. They have NO supporting documents or any evidence or me owing the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: NAVY FEDERAL CREDIT UNION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Also refer to pending CFPB Complaint # XXXX. 

After the death of my spouse in XX/XX/XXXX, I discovered that Navy Federal had blocked me from any access to mortgage information. Their justification was that since the initial mortgage processor, XXXX XXXX, deleted my name from the account because it was my husband 's VA guaranty certification that was being used ( not mine. ) I continued to research the issue, including determining that a previous VA-related mortgage with Navy Federal under the same circumstances maintained my status as a co-borrower. I recently located the loan documents for the current loan that Navy Federal personnel have blocked me from and which Navy Federal has refused to include in my credit report for on-time payments since XX/XX/XXXX. The certified/recorded loan documents, including the loan, Deed in Trust and VA addendum all contain my initials, my typed name and my signature in addition to my signature as attorney-in-fact for my husband. 
Navy Federal personnel for four months have refused to acknowledge or repair the damage from their failure to process or service the mortgage documents properly, including credit reporting on my file and providing online and all other access to the current mortgage. 
Over these months, not one of fourteen online and branch employees-including the 'Survivor Relations Counselor ' could be bothered to even research the documents that clearly illustrated Navy Federal 's error. 
It was easier for all personnel, especially mortgage supervisors, to threaten and pressure me to apply for a new mortgage instead of the VA-directed correction of a surviving spouse assumption. 
There is no excuse for such systemic, corporate-approved deliberate negligence and misfeasance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I signed up for a corporate funding package with XXXX XXXX XXXX I paid {$3900.00} upfront fee to have a corporation setup and some files and things put in place to help me qualify for corporate funding. I never received any corporation formation documents or anything pertaining to anything we discussed. I became suspicious after he never called to give me any kind of update and would only respond to my emails here and there. Once I got tired of the excuses and the game of cat and mouse, I officially asked for a refund in XXXX five or so months after I'd paid. He then stopped responding to me completely and I reported this to my attorney at legal shield and they sent the first collection letter XX/XX/XXXX and the second one XX/XX/XXXX because he never responded to it. In between all of that and filing this complaint today, I reached out to my bank Regions and asked if the could reverse the transaction because I was scammed out of hard earned money and it is causing financial hardship. They said that because I imitated it they could do nothing. I explained that I was swindled and needed there help in retrieving the money that I'd wired in good faith but was being deceived the entire time. This merchant has disappeared it seems with my money and is not responding to any letters, emails, or texts.

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 2015-08-18
Company: Northland Group Inc
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I sent a letter asking for debt verification and to be placed on the do not call list. I received a letter today but not with the indormation I requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-20
Company: Professional Credit Management, Inc
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Professional Credit Management Inc hired a lawyer and filed suit on XXXX XXXX, 2015. I have not been notified by mail that they intended to pursue the matter in court, and was given no opportunity to discuss any potential settlement or payment.. I have not as of XXXX XXXX, 2015 been notified of their intent to sue or that they have actually filed suit as of XXXX XXXX, 2015. Research indicates this company has a D rating by the Better Business Bureau. This company has not called me as it does not have my phone number.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: GA
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:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 38 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: DISCOVER BANK
State: DE
Product: Credit card
Issue: Credit determination

Complaint:
discover bank closed my credit card 5-6 months ago, I just submitted an application today but got rejected because Discover bank said I had a closed card with discover ( discover closed my account without any explanation ). I feel this is a violation of Equal credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: N.A.R., Inc.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
This debt collector was continuously calling me on the phone and I had to tell them to please stop calling my phone my job to just stop bothering me. So now they went out of their way to actually send a physical person to my girlfriend 's house with fake documents stating that they are suing me for the debt, that is harassment and I want something done about it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: DISCOVER BANK
State: GA
Product: Credit card
Issue: Rewards

Complaint:
Rewards points incorrectly subtracted from account in the first quarter of 2015 on a purchase and my account has been negative in excess of over despite me continuously using my card and earning rewards. Spoke with XXXX via Discover chat who confirmed that this should have not occurred. Transcript attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24
Company: DISCOVER BANK
State: TN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
on XXXX XXXX, 2016, discover card services pulled my credit report without my consent. I did not apply for any credit, nor obtain any goods from Discover card services. there is a fraud alert on my credit report and the company failed to verify any information. There are XXXX inquires showing up on my credit report. XXXX and XXXX. Both dated XXXX/XXXX/16. I have not received a letter from the company. I only knew the company pulled my credit report by an alert from all three credit bureaus. This company has engaged in fraud and identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: GA
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:
Experian is in violation of 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Experian is violating federal law under 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) by not removing the inaccurate accounts from my credit report. Please see the attached dispute letter. Dispute letter was mailed certified on XX/XX/22 under tracking # 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 2021-09-06
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern : I submitted two dispute letters certified mail acting in good faith, showing delivered on XX/XX/2021 and another one on XX/XX/2021. I disputed this account and the inaccuracy of this inaccurate, invalidated, unveriable debt on my credit report. I asked KIA Motors for my verified signature and how they validated this inaccuarte account and all the corresponding information. They have not responded not once in over 45 days. Not only have they violated multiple rights they're also hurting my ability to obtain good credit. They are reporting to the consuming reporting agencies inaccurate and unverifiable information. I didnt authorize this debt to be on my report. They are reporting in error. Provide me proof of signature and proof of debt of {$720.00}. This debt is inaccurate and does not belong to me. I asked them to investigate this account and immediately delete this account or update my credit report to positive/current. It's been over 45 days with no results. I did not consent to, authorize nor benefit from the following account. Please remove or correct my credit report. They have violated multiple laws and I would like for this to be resolved immediately. Please see attached a copy of all of my supporting documents. This is very Frustrating.

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 2016-11-28
Company: DISCOVER BANK
State: IN
Product: Credit card
Issue: Transaction issue

Complaint:
Today, I was issued a XXXX that I did not approve This has happened to me more than once Usually, I just pay it, but I just was released from the hospital and can not afford this Please take this charge off I 'll close the account after this is satisfied, and there 'll be no more problems Any questions, please notify me on my email account Thank you in advance for correcting this XXXX XXXX email ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A creditor is currently reporting incorrect information to XXXX, Experian, and XXXX credit bureaus. I sent each credit bureau a letter on XX/XX/XXXX disputing the inaccuracies, however, their research into the disputed did not net the results I requested. I asked for original signed documents/applications associated with the account. I also spoke with the original creditor about the error but was ignored. The item shows up as XXXXXXXX XXXX XXXX on my XXXX report, account opened on XX/XX/XXXX ; the item shows up as XXXX on my Experian report, account opened on XX/XX/XXXX ; and the item shows up as XXXX on my XXXX report, account opened on XX/XX/XXXX. The company is reporting inaccurate information, as my wife and I did open an account with these companies on XX/XX/XXXX. As such, I've requested signed documentation that XXXX and XXXX XXXX opened an account with each of these companies 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 explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A creditor is currently reporting incorrect information to XXXX, XXXX, and TransUnion credit bureaus. I sent each credit bureau a letter on XX/XX/XXXX disputing the inaccuracies, however, their research into the disputed did not net the results I requested. I asked for original signed documents/applications associated with the account. I also spoke with the original creditor about the error but was ignored. The item shows up as XXXXXXXX XXXX XXXX on my XXXX report, account opened on XX/XX/XXXX ; the item shows up as XXXXXXXX on my XXXX report, account opened on XX/XX/XXXX ; and the item shows up as XXXX on my TransUnion report, account opened on XX/XX/XXXX. The company is reporting inaccurate information, as my wife and I did open an account with these companies on XX/XX/XXXX. As such, I've requested signed documentation that XXXX and XXXX XXXX opened an account with each of these companies 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 2017-11-08
Company: JPMORGAN CHASE & CO.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from XXXX of XXXX XXXX and in an aggressive manner she stated I owed a debt for someone I co-signed for. I have not co-signed a loan with anyone other than my husband in well over 10 years. I tried to ask for something in writing but she would not answer any of my questions. She did state the debt was to First USA for over XXXX. The phone number on my caller ID was XXXX and I received another call shortly after from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: DISCOVER BANK
State: MO
Product: Credit card
Issue: Transaction issue

Complaint:
I have been trying to dispute several charges on my Discover credit card and after the last time I contacted your agency Discover opened the disputes and told me that they had issued provisional credits and allowed the merchants 45 days to respond or the credits would remain permanent. Two merchants provided responses that I am refuting, however, I have not heard anything on the remaining charges since. I would like someone to communicate the status of my disputes with XXXX on XXXX/XXXX/16 in the amount of {$500.00}. 
XXXX on XXXX/XXXX/16 in the amount of {$5500.00} XXXX XXXX on XXXX/XXXX/16 in the amount of {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XXXX I had the money in my account for 2 automatic payments and they didnt pay them right away, leaving me with a negative balance which. They charged me over draft fees for

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 2015-11-27
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have a complaint against Wells Fargo relating to the refinancing of a mortgage loan that I have with them. I requested a XXXX Loan and they told me that I was not eligible for it, even though I was never late with my payments, had a XXXX Loan and the property was worth less than the loan. 
They processed my loan as a conventional loan, had me pay for an appraisal and then said that they would offer the loan if I would bring a large sum of money to the closing.. 
I believe that they were unethical in their dealings with me, because while they would not have known to value of the property, to assume that its value would have increased in the last 10 years enough to make us invalid for XXXX would not make sense, even to an lay person.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation