BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-28
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
SOMEONE USED MY SS # AND DATE OF BIRTH TO OPEN A XXXX XXXX  ACCOUNT FROM XXXX AND USED IT TO CHARGE ALMOST {$8000.00} AT A COMPANY IN 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 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
On XX/XX/21, I found out that someone filed unemployment benefits in my name. I contacted the state agency. They advised me to visit identitytheft.gov. Following the prompts on that website, I decided to freeze and put fraud alerts on my 3 credit reports. 

When I got to Transunion, I was required to create an account and it said I could view my credit report so I did so. When I viewed it, I saw various " Account Review Inquiries ''. See attached. This listed the inquiry I made that day, XX/XX/21 ( via " Transunion XXXX '' ) as well as other inquiries that seemed plausible ( for example, XXXX, with whom I have an account ). However, it also showed me as having viewed my own credit report at least 3 other times via " Transunion XXXX '' over the last 3 months. This had me concerned someone had managed to get unauthorized access or create a Transunion account in my name. I could not tell if this is another " symptom '' of someone stealing my identity or if this is how aspects of my identity were stolen. 

I called Transunion. The first person took my information and said that she could only see the inquiry on XX/XX/21, not the others. She also indicated that the e-mail address I gave was the only one connected to the account. She said I should talk to " Disputes. '' The person in " Disputes '' said there was little point in disputing an account review inquiry because it didn't affect my credit score. I explained that I didn't want to dispute it per se, but rather needed Transunion to prevent other people from accessing my credit report. She told me I'd have to call " Transunion XXXX '' ( saying it was a separate company from the " Transunion XXXX XXXX' she worked for ) and gave me a different XXXX number. That number in fact routed back to the same Transunion main menu. I got a third person who offered to delete my online account but could not otherwise 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 non-monetary relief
Consumer complaint received 2019-08-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After reviewing my credit report I discovered several fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-24
Company: Resurgent Capital Services L.P.
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In   XXXX   XXXX     while trying to refinance my home, i found a lots of credit inquires i did not initiate, including a   XXXX   XXXX   CC i did not apply for. I Filed with   XXXX   XXXX   XXXX   and completed the process ultimately freezing my credit. I had multiply accounts removed from my credit and thought i was done. One of the accounts removed from my credit by  XXXX  was from  XXXX  funding who i assume once it was removed from my credit sold it to  XXXX   XXXX  bank. i then disputed the information again with  XXXX   XXXX  bank and received no response from them. And now a new company called Resurgent capital Services is try to take over the already deleted debt, sending me threatening letters and providing vague information in letters saying it is the information i requested. I specifically requested information regarding the bank account information they supposedly sent the funds to, because i received no such funds, in addition i have never lived at the address they have listed in association with my name. I have filed police reports and they are included in these reports. I am requesting the CFPB take action against this company because now they are sending letters stating i have not provided enough information to " support your claim '' of fraudulent charges. i am very concerned because now they are sending forms to fill out requesting all of my information ( id. drivers lic number address, SS number, past addresses, DOB, Police reports, ETC. ) which given the lack of information they seem to posses now feels like even more of an infringement of my privacy. Please advise. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
on XXXX XXXX HELVEY & ASSOCIATES IN Original creditor : XXXX XXXX XXXX had an update on my credit report for $ XXXX.i contacted both companies the same day on recoreded phone call and told them i never received anything about a final bill or balance.both companies said that they had my email and never emailed me a notice or call.XXXX XXXX acknowledged that there was no forwarding address or a new moving address at the time of the closing of the account no past due amount was given.i expressed that i will pay my balance and would have paid my balance if i was informed of the past due amount. XXXX XXXX Rep told me there was no balance given because they would have to read the meter both companies said they that they had no forwarding address on file.HELVEY & ASSOCIATES IN Original creditor looked up the current address which was a different address and never sent anything over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient ( formerly  XXXX   XXXX   ) ha s taken my private student loan and turned it into a repayment extending to 17 years! At this rate I will pay back {$87000.00} for a {$24000.00} private student loan. While the rate is variable between 6.0 % - 10 %,   Navient has not been shy about jacking the rate to 10 % for the last couple of years.
I should n't have taken the money, but they definitely should n't have given it to me! I come from a low income family and had little financial understanding when signing my life away. Now that I am more savvy, Navient has made it difficult for me to optimize my student loan repayment process.
For years now I have attempted to remove my cosigner ( who now has terrible credit ) just to have another Navient obstacle put in the way. The private student loan is currently so high that no other lenders will consider refinancing it given my income ( regardless of my husband 's income ). Now tha  t I 'm a stay-at-home mom, my chances of releasing a cosigner seems even more bleak since I have no income.     Customer service is rude and unhelpful every time I call. I have added my husband as someone authorized to speak on my account and they lost record of it. They make it seem as if I am already taking the most optimal path to liberating myself from this crushing debt.     Their website promoted a 0.25 % interest rate decrease for signing up for autopay. While I saw the benefit initially - my loan is now being charged as if I had never enrolled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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:
In accordance with the Fair Credit Reporting act XXXX  ( Account # XXXX Name - XXXX XXXX XXXX ), ( Account # XXXX Name - XXXX XXXX XXXX XXXX, ) ( Account # XXXX Name XXXX XXXX XXXX ), ( Account # XXXX Name - XXXX XXXX XXXX ) and has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2021-06-14
Company: GOLDMAN SACHS BANK USA
State: CA
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:
I purchased an item from XXXX and did not receive it on time. After waiting a week to receive it, I contacted XXXX who told me to contact my financial institution which I did and an investigation from Apple was performed and they denied my dispute. I ended up receiving the package the next week. I ended up not liking the shoes and returned them to XXXX who then proceeded to refund me. But I waited for a while and the refund did not hit my card. I then contacted Apple Card who then put in a dispute and then they continue to deny my dispute even with my proof. It appears that they are not looking into the evidence provided but are just siding with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: American Accounts & Advisers, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have reviewed the statements that were sent by  XXXX   XXXX  on  XXXX / XXXX /  XXXX  .   First of all, you have violat ed HIPAA on m ultiple accounts for myself and minor children. My requests have specifically ask ed American Account & Advisors ,   Inc. to p rovide a signed contract between myself and  American Account & Advisors , Inc. pro ving that I owe this debt to you. Never have I asked for verification of service.   Secondly, there is a discrepancy between the statements you sent me and what you are reporting on my credit report. The amounts and number of accounts does not match. You are in violation of reporting the credit bureau inaccurate information.   Third of all, these dates of services were included in my bankruptcy and should not have been sent to collections. I have attached my discharge papers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 for the investigation with inaccurate information on my report with the CRA 's and creditor XXXX XXXX XXXX. I kept getting ignored. I feel that my investigate was not conducted with reasons according to the FCRA. I do not think that my evidence was look at. I'm asking my evidence and my investigation be looked at. Also, provide how the investigation was performed. I have attached 3 reports from XXXX, XXXX, and Transunion. All show different account number, payment history, and status dates. Should it be that the furnisher report to all CRA 's one accurate and complete report. 

XXXX XXXX Account number : XXXX XX/XX/2021 2021

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 2021-12-09
Company: Shellpoint Partners, LLC
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a a loan with New Rez. I have set up a auto payment with XXXX XXXXXXXX XXXX. 

1 ) The payment comes out on XXXX of the month 2 ) In month of XX/XX/2021 since XXXX and XXXX were Saturday & Sunday respectively the payment was made by XXXX on XXXX XX/XX/XXXX3 ) NewRez systems did not recognize this payment. The marked XXXX late 4 ) We called them and informed them of the issue when we became aware. They requested documentation what we provided 5 ) The applied the payment in XXXX towards XXXX rent but reported late to the credit bureau. They also increased our principal payments and fines etc.

6 ) We talked to them on several occasions. First a lot of representatives are impolite and would not like to talk, hanging the phone.

7 ) We send a letter from our XXXX after they were not ready to talk 8 ) I called them on XX/XX/XXXX and they said that I should upload all the documents through website since they do not have any other way. I went on the website but was not able to find any place to upload the documents 9 ) They have not responded to my attorney. My attorney recommended that I should contact your esteemed office PRAYER I WORK FOR XXXX XXXX XXXX AND I NEED TO HAVE A VERY GOOD HISTORY FROM EVERY ANGLE TO BE AN EXAMPLARY EMPLOYEE. THIS ISSUE HAS CAUSED A LOT OF AGONY AND FINANCIAL IMPACT ON ME INCLUDING REFINANCE our refinance has been denied because of this reason. NewRez contacted us in XXXX to refinance but we refused. Looks like they are penalizing us for it and are sending weird reports to Consumer protection. We have paid them a lot of extra money and still not been able to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I was using BoA cash back deal for XXXX by XXXX. Which is {$15.00} off for over {$20.00} transaction. But BoA did n't give me the cash back. Account type BankAmericard Cash Rewards Visa Platinum Transaction description XXXX BY XXXX Posting date XXXX/XXXX/2017 Transaction date XXXX/XXXX/2017 Order date XXXX/XXXX/2017 Amount {$23.00}

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 monetary relief
Consumer complaint received 2021-12-09
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I am in the process of purchasing a new home. SunTrust now Truist was the holder of my original loan. Since beginning this process, it has been almost impossible to get in touch with SunTrust now Truist. My new lender has called and faxed with no response and experienced impossible hold times. I was contacted by the buyers lawyer because they could not get through to SunTrust now Truist for the payoff. After being on hold for 3 hours the payoff was finally faxed to the Lawyer. My house closed on Wednesday XX/XX/XXXX, and I am set to close on my new home tomorrow, XX/XX/XXXX. I have been on the phone with SunTrust now Truist since XXXX am and my small request remains unresolved. The final ask of the underwriter is a written confirmation that a forbearance amount was actually included in the payoff and there was nothing else owed on my part. I reached out this morning unsure of whether it was included, if it was not included in the payoff, I was prepared to wire the money to wipe out the remainder. I talked with several people who fed me misinformation to get me off the phone as they were not able to tell if this amount was included in the payoff. I was sent to HUD twice who had no record of a lien being transferred to them. I spoke with SunTrust XXXX XXXX, Home Preservation Specialists, and Loss Mitigation. I was on hold waiting for a manager over 2 hours before walking into the SunTrust Bank in XXXX NC for assistance at XXXX. A very nice lady at the branch called someone that was able to get to the bottom of the issue and misinformation. He found that the Forbearance was still active when the mortgage was paid off on the XXXX and the payoff amount included the remaining {$8400.00} ( forbearance ) in the total. He went on to confirm that no information had been forwarded to HUD. Now all I need is documentation to prove this to my underwriter so that I can close on my home tomorrow. The team that is able to provide this information was contacted and advised that it would take at least 72 hours to receive this info. I asked if this could be escalated to a manager that could assist with generating this document today as I am on an extreme timeline and need help. I remained on the phone until XXXX, when I was told that XXXX XXXX would be calling me in 20 minutes and could help with my request. Unfortunately this call never came. I really need help as I explained to everyone I talked to today. I am set to close on my home at XXXX tomorrow and only need this one document for the lender to release the funding. I will return to the bank first thing in the am hoping they will be able to assist.

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 2022-04-28
Company: EQUIFAX, INC.
State: IA
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 checked my credit report and there where inquiries from identity theft reported on their on my equifax and my XXXX  and when i tired to have them remove it they wouldn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
Experian has a dismissed bankruptcy on my credit report and I would like to have that information validate, along with providing me proof that 's my debt. And if that is n't possible, have that and ALL other accounts attached to the bankruptcy remove 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 explanation
Consumer complaint received 2021-12-09
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Comenity Bank XXXX XXXX XXXX is continually contacting me with letters for debts not owed. I have notified this company that previously I was a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been in the process of building my credit and received a notice from  XXXX   XXXX  that my credit scored changed. When I logged on it had dropped significantly! When I reviewed why ... .there are  XXXX  debt collections on there that are from  2013 . I do n't recall ever receiving a letter to settle and I do believe it 's from a previous bankruptcy charge off - it 's been well over  four  years.     Not sure how I can get this off my credit so that I can continue to rebuild it. Any help / information would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
This company is reporting to my credit report. I have never done any business with this company and I do not owe them any money. After my own investigation, they bought an account from a company that was created with my stolen identity. They are erroneously reporting to my account. Delete this account from my credit report in accordance with FCRA 605 ( b ).

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 2021-12-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I granted the right to extend credit today, XX/XX/2021 to XXXX OF XXXX! XXXX of XXXX financial and XXXX XXXX XXXX both received payment off of my transaction! I continuously told the representative repeatedly that I was completing a consumer credit transaction and that my signature and social security card is sufficient enough to secure the car! Federal law states The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit pursuant 15 usc 1602 ( l ). I told the representative I was giving an oral consumer report and assuming a vital role over my life. 15 usc 1681 ( a ) ( 3 ). I am the consumer, natural person and original creditor. I am not the fictional entity. 15 usc 1602 ( f ) Credit is my XXXX given right granted, not a privilege and no organization can tell me what I am worthy of! They used my credit card ( ssc ) and placed an hard inquiry on a consumer report, but denied me. Its aggravated identity theft! 18 usc 1028a I am well aware of the process of a consumer credit transaction & the banks are borrowers, I am a lender! A Security Exchange was supposed to take place, but it did not! They took my security and gave me nothing for it!

Company response to consumer: Closed with explanation