BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-31
Company: Williams & Fudge, Inc
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On a recent credit report this company Williams & Fudge reported a Collection on my XXXX report dating a debt of {$7500.00}. I do not know of this debt & it is not mine. I have not received any information, not a dunning letter or anything from this company regarding this so called debt. They are not suppose to place a collection account on my credit report without sending me a letter stating what this is anyway. I do not owe this debt & want this deleted from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX/XXXX-XXXX-Balance : {$990.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Open the account at suntrust bank on XX/XX/2021 with XXXX then my account was closed on XX/XX/2021 they refunded my money

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 2016-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Upon getting my credit report, I noted an address of XXXX XXXX XXXX XXXX IL on there with a possible loan/store credit card and possibly more obtained/attempted and possibly Utilities use connection using MY NAME. This address is/was my ex-husband and his new wife XXXX XXXX XXXX XXXX and XXXX XXXX. They have tried this before in getting cell phones. I would like more information on what/who they used my info for and what I can do about it Please. These were noted on my Transunion credit report and I am unable to get my XXXX XXXX right away because it shows accounts I do not recognize on there.

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 2022-05-05
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
I sent in a letter on my first police report XX/XX/2022 ( XXXX ) and letter for identity theft. Tracking Number XXXX USPS to have the account removed from my credit report. Wells Fargo XXXX, XXXX and XXXX all removed this account from my credit On XX/XX/2022 These items where place back on my credit report by XXXX and XXXX. I called in to dispute these items immediately. I was told I can not dispute these items because the creditor said the debt was mine and the debt had been validated. I asked for proof of validation. I was told that was something that could not be provided to me as consumer. I filed another Police Report ( XXXX UPDATE ) XX/XX/2022 and sent it certified mail ( XXXX ) I attempted to dispute this account again However XXXX rep told me the account would stay on my report. On XXXX I spoke with XXXX a specialist that XXXX made me pay for in a membership benefit form. XXXX told me to send in another police report. But there was not much she could do. I explained the COST of sending in information and my lack of transportation due to being affected by the pandemic. Documents sent XX/XX/2022 Tracking XXXX According to the Fair Credit Reporting act 15 USC1681.Section 602A I have a right to privacy. According to 15 USC 1681 Section 604A Section 2 No financial institution is suppose to share my information to a third party. I did not give written permission to have the accounts added to my credit report. I have also attached a recent copy of my XXXX report to support and show inaccuracies. This is my second complaint with CFPB- First case number XXXX ( XXXX XX/XX/2022 ) Closed ( XX/XX/2022 ) This clearly violates my federally protected consumer rights

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 2017-11-20
Company: Experian Information Solutions Inc.
State: PR
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:
To whom it May concern : Verifying my report with the Experian agency I noticed that there are accounts that do not belong to me affected my score and credit history with them, I have never had an account with XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXy # XXXX, XXXX XXXX # XXXX. 

Also variations of names such as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Variation of social insurance # XXXX that does not belong to me are reported. 

I wish only to report my correct address XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, P.R 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 2022-05-05
Company: NAVY FEDERAL CREDIT UNION
State: GA
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 filed a fraud dispute claim with Navy Federal Credit Union a few months ago and never heard anything back. I would try to call when I get off work but it'll either be extremely long wait times or they would close. I finally was able to speak with someone and she told me that the fraud personnel was out of the office so she couldn't provide me with any accurate information in regards to my claim. After an hour wait on the phone, she informed me to login into my NFCU account online and send them a message through the portal to request an appeal since she didnt see a valid reason why my claim was denied. There was a list of charges disputed on my account. However, I just came to realization that NFCU never honors a claim. I've had maybe two small claims over the years and I've been a member since 2017 and they always declined my claims. This is no coincidence and I'm starting to feel like I'm being racially profiled and my XXXX American money isn't worth protecting and claims arent worth being approved. I've accepted the losses in the past but I refuse to let this behavior continue. I submitted an appeal on the NFCU website and I would like to request a reinvestigation immediately. I would like my account balances updated correctly, all fraudulent charges removed, a temporary credit applied while they reinvestigate this account as well as my bill amount due updated correctly. I request immediate attention to this matter and If this isn't handled professionally in a timely manner then I am willing to consult with an attorney to seek monetary damages for charges on my account, damages to credit, and more. This is a FINAL appeal request and NFCU have a list of the charges filed in the dispute in their system already.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX had dispute plenty of times to Experian about the fraud committed by XXXX XXXX to me Im requesting to Experian to remove this negative account because was fraud involved into this account by XXXX XXXX and was law sue bu the FTC to XXXX for this gigantic fraud Experian is the only one not taking my dispute seriously After the fraud report I did to XXXX  and XXXX  committed by XXXX XXXX with physical undeniable proof XXXX  and XXXX  remove that inaccurate negative account from my Credit report except fro one agency the most ruthless one Experian Im sending again physical proof on this attachment below of the gigantic fraud committed by XXXX XXXX to me and many other people

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 2021-09-30
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 HAVE BEEN DISPUTING AND REQUESTING FOR VALIDATION FOR THIS ACCOUNT FOR OVER 280 DAYS. THEY HAVE FAILED EVERY TIME TO SEND ME ANY SORT OF DOCUMENTATION PROVING THIS IS MY ACCOUNT IN ANY WAY. I HAVE REQUESTED THAT THEY REMOVE THE ACCOUNT FOR FAILURE TO ABIDE BY THE FCRA. THE LAST TIME I SPOKE WITH THEM THEY TOLD ME IT WAS REMOVED AND THEY WERE NOT REPORTING IT. THAT WAS A LIE. THAT WAS OVER 60 DAYS AGO. THEY HAVE NOT COMPLIED BY THE LAW AND REFUSE TO REMOVE THIS FROM MY REPORT MY LAST LETTER STATED This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date.

Federal law requires you to respond within thirty ( 30 ) days or more, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have filed before, but this time a found the XXXX XXXX of my Loan. They are removing you as servicer of the loan and reassigning the Deed of Trust. I have attached the Letter he sent me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I called Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to try to get my address updated. On 2 separate occasions a wrong address was added to my Equifax report causing me to not be able to access my credit file electronically via a credit monitoring system. I have faxed all supporting documentation via fax to XXXX as instructed by a representative that I spoke with on XX/XX/XXXX. I called again on XX/XX/XXXX to confirm whether or not the information that I faxed in had been received. Then again called on XX/XX/XXXX and was told that my fax was indeed received and that a dispute would be put in to update my information. The confirmation I was given on XX/XX/XXXX shows a status of complete, but an incorrect address was updated once again. On my call on XX/XX/XXXX, I am now being told that the confirmation number I was provided was for an account by the name of XXXX XXXX which is incorrect as that was a dispute put in prior to my phone call on XX/XX/XXXX. I was told that Confirmation # XXXX was the dispute of my address which was done on XX/XX/XXXX and completed on XX/XX/XXXX. If that confirmation was indeed for XXXX XXXX then there is no way that account could have come back verified with 1 day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I was a victim of Transunion 's inquiry issue. I spoke with Customer service rep from the XXXX call center. Transunion would not help me resolve the issue. 
Here is a list of the inquiries that were affected. 

XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Any assistance in this matter would be greatly appreciated.

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 2016-09-12
Company: Pinnacle Credit Services, LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX/ Pinnacle Credit Services is attempting to collect on a debt that I do not owe. I never received the service for which I am being charged. XXXX XXXX was not even allowed in my area at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to the COVID-19 pandemic, I experienced a dramatic cut in employment and income. So I reached out to my Mortgage lender " Lakeview Loan Servicing, '' to apply for forbearance under the CARES Act, due to meeting the qualifications ( i.e. FHA loan etc ) ; this allowed my forbearance to began XX/XX/XXXX. I applied for a 90 day term of forbearance on Lakeview 's website. After being approved, I received a pdf document from Lakeview saying that my " Forbearance Plan has been Approved. '' On this same document, it says that the " term of your forbearance plan will be up to 180 days '' ( although my initial request was only 90 days at first ). Having no improvement in my previously mentioned work and income status, I logged onto the Lakeview Loan Servicing website, to attempt to extend my forbearance ; to use the 180 days. Although the Lakeview website appears to direct you to the previous online process for requesting/extending your forbearance, the actual webpage 's call-to-action button labeled " Extend Term '' when clicked onreally only produces a phone number with the message : " Call Customer Service. To learn more about extending your forbearance plan, please call our Mortgage Assistance team at XXXX. '' Upon calling the Customer Service number to extend to 180 days, multiple times on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I get the same response from the reps : " To extend your forbearance, we have to first review your loan ; we will contact you as soon as we do to let you know our decision '' or " we will escalate the handling of your request and contact you within 3-5 days to let you know our decision after we have reviewed your loan since our notes indicate you called earlier. '' When I ask the customer service reps " What is it that needs to be reviewed regarding my loan, that is taking so long ( more than a month ) to review? '' the responses vary, from being told that I've been " denied, '' to the latest being : " We have it in our notes that you have forbearance but the forbearance code is not showing up in our system, so we need to review it. '' Lakeview diligently communicates with mevia phone and email to let me know that my 90 day forbearance request is coming to an end or ending, but has not been able to contact me onceas they promised regarding my multiple requests to extend/update the status of my forbearance to 180 days, in harmony not only with the CARES Act, but really also with the initial approval letter from them that already indicates that my forbearance term is 180 days.

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 2016-12-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a charged off loan with Citizens Bank and I informed them that I wanted a true statement of what I owe to the bank. I feel as though I do not owe the amount listed. I also requested a loan forgiveness due to the fact that the vehicle was not fully operable and there was a significant likely hood that the City would tow the vehicle because it did not have tags. I made the request to donate to charity ( School XXXX ) I was told that they were only willing to initially accept 80 % of the balance. After additional conversations I was told 55 % or make an offer. I made an offer and was told that was not sufficient and when I inquired about the true amount owed I never received a straight answer. I was more or less told that the bank was willing to have a liens placed against my home from the city with the intent to still collect the said balance. I was told if I wanted to escalate this issue I had to write the Office of the Chairman. I received a response from the representative that was in the customer relations department because apparently that is the only way to file a complaint with company. This is a bit discerning because if the letter was sent to the Office of the Chairman and the Resolutions department responded, did the letter actually go to the Chairman 's Office ( if it even exists ). There is no means to reach anyone at the bank and there seems to be a lot smoke and mirrors when customers attempt to manage their accounts. The practices are not consistent and leave the customer to be concerned about it their issue is being truly addressed because the level of deception that the customer is presented with dealing with various representatives that work within the various departments. I would like them to forgive the loan as it is my understanding that once a business charges off the account the Federal government gives them a tax write off. Also companies have insurance to protect them from certain debts. My loan was paid off essentially the day that it was charged off. The bank if very well aware of this. However they still want to collect no matter the circumstances that befall the client. That appears to greed. Without the true knowledge of what is the said true amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I have disputed this bankruptcy several times. However this time I provided proof that The Us court does not report to them.. They refused to remove the this item.. They also completely ignored the other request! I requested to have them both removed immediately.. They Denied one and ignored the other..

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 2021-09-30
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My rights continue to be violated! There is fraudulent activity that I have reported that remains on my credit profile.

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 2020-04-07
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
the credit card company ( barclaycard ) put a hold on my {$1500.00} payment despite the fact that the {$1500.00} was debited in the checking account ending in ____. what pains me is that i have used this checking account to make my payments for the last three years. this is the second time that they have done this to me. kindly please penalize them to the maximum amount that the law provides. 

i have emailed the credit card company twice and no response. i have called the customer service and got a hold of someone but he told me he can not help me. 

Respectfully, 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