BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-27
Company: EQUIFAX, INC.
State: NJ
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:
My rights of privacy have been breached and trespassed by this bureau which is a direct violation of federal law. This bureau is also in violation of federal law by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: Experian Information Solutions Inc.
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:
I been dealing with this same issue for months now, and the information I'm requesting is still not being delivered to me as of my rights as a consumer as transcribe within the FCRA laws. Improper information on my report is hindering me from acquiring credit. My identity has been compromised but yet I still feel victimized by the 3 major credit bureaus inwhom investigation does not include blocking these accounts from reporting on my credit report. The accounts I'm disputing are. ( 1 ) XXXX XXXX XXXX {$390.00}, and ( 2 ) XXXX XXXX XXXX {$130.00}. I need every single detail of the Method Of Verification used in your investigation into this matter. Names, titles, times, and physical documentation. This is my consumer rights as stated with the FCRA and backed up by the FTC. And if this is not met then the accounts shall be block 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 2021-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My rights of privacy have been breached and trespassed by this bureau which is a direct violation of federal law. This bureau is also in violation of federal law by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.

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 2015-10-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
All my student loan has been paid and charged off. i call department of education and the confirmed it. the even went and check the national student loan database and my account was clear but my credit report show multiple student loan thru multiple collection agency those informations are not true and needs to be removed from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-03
Company: National Recoveries, Inc.
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My situation is in regards to National Recoveries withholding the tax returns belonging to my parents and myself. My parents file taxes jointly but separate from myself. 

This withholding is reportedly for debt owed to the dept. of education ( $ XXXX ) for which my parents were co-signers of loan of origin. This debt has already been paid to completion in good faith through a mixture of monthly payments and multiple past years of tax withholding which in excess of the amount of the debt owed. The completion of these payments is reflected clearly on my credit report and with the financial aid department of the original university. For the years XXXX and XXXX, my tax return was withheld in an attempt to service the " debt. '' Receipts of completion of payment provided to National Recoveries ( XXXX ). Additionally, no prior notice was ever delivered to either household in regards to this withholding which is suggested by federal guidance. Therefore there was no opportunity to contest the withholding and present evidence. Other than this debt, neither of our households have shared any other expenses for over a decade. The IRS does not assist in these affairs. I am having great difficulty in resolving this matter and am considering legal representation.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: WELLS FARGO & COMPANY
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: Problem with personal statement of dispute

Complaint:
Dear Sir/Ma'am, Good afternoon! I bought a mattress from XXXX XXXX  in XXXX  XXXX, VA in XX/XX/XXXX and used financing through Wells Fargo to pay it off in installments. Shortly after that, military obligations caused me to move to XXXX XXXX, CA. I had trouble getting auto payments set up after getting calls and calling Wells Fargo several times. I would get calls that the payment was due, I would pay it, and then ask why auto pay was not taking out the payments. After a few months of this happening, I then ended up deploying. When I returned the account had gone to collections and also been charged off. I received no emails about any of this happening. I then settled the entire account balance with Wells Fargo in XX/XX/XXXX. My credit score had been increasing, due to no other negative remarks, and so I decided to send Wells Fargo a letter asking for a possible goodwill adjustment. The request was declined, but then I noticed that I had taken another big hit to my credit score. When I looked, Wells Fargo had updated the date reported on my account to XX/XX/XXXX. I'm not sure if they have the right to do this, but it seems unfair that an old debt could come back and negatively affect me well after it's been paid off and settled. I would just like some clarification as Wells Fargo has been unwilling to help me or give me answers. Thank you very much! 

Regards, 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 explanation
Consumer complaint received 2020-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have asked XXXX and TransUnion to investigate the late pay and accounts that do not belong to me. According to XXXX and TransUnion, they said the creditors verified the accounts and accuracy. I sent them both a letter stating that the law gives me the option to request a Method of Verification and for it not to be e-Oscar or another electronic method. This will ensure the most accuracy for my credit profile. XXXX said they do not have to honor request and will not provide their method of verification. TransUnion said they didn't know if they could do that. XXXX said they will provide a method of verification other than e-Oscar. 

I feel XXXX and TransUnion are not reporting accurate information about me. In addition, TransUnion will not allow me to view my credit report online from their webpage or from XXXX XXXX XXXX  This is very concerning to me because it appears to me these credit reporting agencies are hiding and preventing me from seeing information about, which is preventing me from getting these errors corrected and/or removed. 

They failed to honor my request even after saying it was verified.

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 2019-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Called and submitted documents via fax and certified mail. I've asked how were these documents verified to be mine and reported correctly. The rep said it wad done electronically with short codes, and there is no such thing as a manually investigation, on top of that the representative wasn't even located in the USA. I'm not understanding how this could be, for one there are so many breaches and hack on the regular, and come to find out, someone outside the country whos not even a citizen has all of my personal information. I received a notice in XX/XX/2017 from one the credit reporting agencies that all of my personal information that they had on me was exposed to XXXX  knows how. I am not at the point of trying to seek legal assistance.

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 2019-03-03
Company: CNG FINANCIAL CORPORATION
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:
It's fraud the inaccurate 's on my credit report which are the hard and soft inquires the which are due to my XXXX XXXX adult son had applied for loans and credit cards using my social security number associated with my XXXX XXXX XXXX  credit scores and credit reports my XXXX XXXX adult son and the XXXX XXXX hurts his reasoning and he doesn't know that my social security number and credit scores are my own that s why I haven't pursued criminal charges or law enforcement presents in the fraud situation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 explanation
Consumer complaint received 2015-06-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo mortgage is reporting a negative remarks on the mortgage account that was never defaulted, never included in chapter XXXX bk. Property was sold and loan was paid off. 
Numerous attempts and requests sent to wells fargo mortgage were ingored. All XXXX CRAs are reporting this closed mortgage account with remarks : WELLS FARGO HOME XXXX # XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Opened : XXXX : Individual AccountAccount Type : Mortgage AccountLoan Type : CONVENTIONAL REAL ESTATE MTGBalance : $ XXXX Updated : XXXX Payment Made : XXXX Balance : $ XXXX Status : XXXX ; Account Included in Bankruptcy & lt ; Date Closed : XXXX : XXXX ; CHAPTER XXXX BANKRUPTCY XXXX ; ; DISP INVG COMP-CONSUM DISAGRS ; CLOSEDEstimated month and year that this item will be removed : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
on XX/XX/22 I went to the XXXX Ohio branch of Huntington to pay off our loan in the amount of XXXX, they said I could not do that at the branch but I could do it online, so I went home to do it online and it would not let me pay the entire amount it did however allow me to pay XXXX, then I tried to pay the rest XXXX and I thought I was successful, the XXXX did not post until XX/XX/22 the XXXX did not post until XX/XX/22. so I went into our account to check it and it still showed a balance of XXXX, I called Huntington bank and asked to talk to someone in the mortgage dept. I did that she said I would have to wait XXXX days for a payoff quote to come in the mail, she also said we would be paying interest that whole time, because I did not do the payoff correctly? My husband was upset when I got off the phone, he had me call back and ask for a manager/supervisor, so I did, I told the supervisor our dilemma, and he said the same thing the first person said, I have never had to jump through hoops to pay off a no prepayment penalty loan before, It is just not right and we are going to move all 7 of our accounts to another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I was victim of identity theft by a person who gained access to my personal information. This person, XXXX XXXX XXXX fraudulently XXXX signed my name as co- signer on student loan no. XXXX with Chase Bank in sum of {$10000.00} on XXXX XXXX, 2009..I have provided Chase with last known information for XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: Experian Information Solutions Inc.
State: SC
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:
Called and submitted documents via fax and certified mail. I've asked how were these documents verified to be mine and reported correctly. The rep said it wad done electronically with short codes, and there is no such thing as a manually investigation, on top of that the representative wasn't even located in the USA. I'm not understanding how this could be, for one there are so many breaches and hack on the regular, and come to find out, someone outside the country whos not even a citizen has all of my personal information. I received a notice in 2017 from one the credit reporting agencies that all of my personal information that they had on me was exposed to XXXX knows how. I am not at the point of trying to seek legal assistance.

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 2016-07-27
Company: Integrated Recovery Services
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I submitted this information on Yesterday but I wanted to add more information ... I researched other complaints about XXXX XXXX but I did not have the name of the company they are posing under is Integrated Services and the phone number is XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have a cash app account with {$200.00} balance and cash app will not let me access my money in any way they told me that they would not help me at all

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2021 at XXXX, I received an email from Santander Bank regarding the opening of a bank account that I did not request. The account was attempted to be opened online using my PII. The only mismatch was the phone number. The fraudulent phone number according to Santander was : XXXX Santander said they will mail me an identity theft packet to fill out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: SECURITY FINANCE CORP
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

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 2017-01-09
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sold my house in XXXX, and realized that a debt that I had paid off years ago was still listed as a lien on my home. The title company is holding money until a release is issued in a recordable form. 

My attorney at XXXX XXXX has called repeatedly and is always told that it has been filed, will be filed, will be sent to them, and it has not been taken care of. 

Today they attempted to speak to a supervisor and was given a non-attorney XXXX XXXX who hung up on the attorneys office after she attempted to explain we have been getting the run around for months. 

The title company is holding {$12000.00} of my money for a debt that was paid off years ago. ( Blitt and Gaines Admits that it was paid off )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: Halsted Financial Services, LLC.
State: RI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For about 2 months, I have received several hangups per day. If I call back, I get Halstead Financial Services regarding an 8 year old XXXX XXXX account. If I ask for a letter or do not agree to pay in full right away, they hang up on me. I have blocked over 20 different phone numbers from them yet they continue to call and hang up on me daily. They have also threatened to contact my employer. I am being harassed daily by Halstead Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The borrower was in review for a modification and the bank motioned the court to reset the sale and received the relief it sought as the court granted the bank 's motion and the property currently has a scheduled sale date for XXXX XXXX, 2015. 
This is clearly a violation of 12 CFR 1024.41 as the bank is prohibited from seeking a sale date while the borrower is in review for loss mitigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: McGlinchey Stafford PLLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
This company is moving forward with a NOD and has entered a sale date on my home, when my loan servicer is working on a loan modification this is a violation of California XXXX laws Dual tracking and other violation XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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
Consumer complaint received 2015-06-15
Company: Ballato Law Firm, P.C.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
I received a notice from Ballato Law Firm advising me that my debt was in collections and will be prosecuted if not paid. I immediately called and made payment arrangements. I spoke with XXXX who advised me that because I made arrangements I would not have anything to worry about and would not need to go to court. Te arrangement was for $XXXX a month however I was making $XXXX payments a month. I advised XXXX that I was making a month payment in advance and she said she would document that. I had made payments without lapse since the arrangement was made. The end of XX/XX/XXXX I received a notice advising me they had filed a judgement against me for non payment and that I should make payment for the remainder immediately. I have been calling them incessantly to have them remedy this to no avail. They have been very dismissive and make excuses for why they ruined my credit. They refuse to discuss the matter although arrangements were already made. They had no reason to file judgement against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Good afternoon XXXX and Navient student loans merged and my interest rate increased significantly. I am never late and I overpay but my interest is still outrageous. Please help.

Company response to consumer: Closed with explanation