BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-26
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, while using my XXXX computer I received an Popup firewall alert notification from XXXX that locked my computer with instructions to call XXXX Tech Support @ XXXX. I called the number and spoke with tech support representative XXXX XXXX who created a XXXX # - XXXX. I was informed that this ticket will be forwarded to TCF Bank Fraud Department. 

XXXX minutes later I received a call from XXXX ( TCF ) The person introduced himself as TCF Fraud Department ( XXXX XXXX ). I was told that there were two wire transfers against my savings account. I was sent a document with information on it and was told to take to bank so the wire transfer can be captured by TCF and then place back into a new TCF savings account for me. 

I followed instructions on the two wire transfers and received call back from this person on XX/XX/XXXX saying that TCF was able to recover my money and that they will send through postal mail the new savings account information where the money was returned. 

I waited a few days to receive postal mail from TCF and since I have not received anything, I drove the the TCF Bank location to speak with a manager to check on the status of receiving information on new savings account numbers.

The manager informed me that TCF had not contacted me about my savings account, so I informed the manager what I have experienced on everything that has happened. The manager said they will start an investigation on what happened to my account. I had been mislead by false pretense of someone falsely representing TCF bank.

TCF merged with Huntington Bank, and there has not been any resolution or recovery of my savings. 

This is why I'm filing a complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-29
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent my FTC identity report to this company and they sued me as well as still reporting these fraudulent accounts on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-29
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
Hello. A representative XXXX from XXXX called me to get payment from a loan my ex husband took out for our daughters college tuition. He applied for that loan in XXXX from Wellsfargo. Since then, Wellsfargo sold the loan to XXXX. I talked to XXXX to let her know that my name was signed electronically and she said there is nothing she can do. XXXX admitted on a recorded line that I did NOT co-sign on that loan for my daughter. Now, I have a missed or late payment on my credit for something I have no dealings with. Here is the contact person at XXXX to validate what the conversation was about on XX/XX/XXXX around XXXX XXXX XXXX Recovery Specialist II XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o : 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 2020-10-07
Company: Conduent Incorporated
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have yet to receive my way2go Florida unemployment benefits card it has been over 2 weeks I have called repeatedly waiting on hold for hours only for them to say there servers are down and call back later and hang up before I can say anything or I wait on hold forever and they act like they cant hear me and hang up on me they have my card with {$1200.00} on it I dont know what to do They said they tried to contact me thru a number I dont know if I have updated my contact information to XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury & this has caused deformation of character & has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
TransUnion continually updates the address on my credit report to an address that I have not used in many years. TransUnion has just again updated the address on my credit report to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX It has been at least 4 or 5 years since I have lived at that address and as far as I know none of my current creditors even have that address listed. Still, TransUnion updates my credit report to reflect that wrong address as my current address. I have called TransUnion and asked them precisely which creditor or entity is providing that address to TransUnion so that I may contact them, yet TransUnion refuses to provide me that data.

This is causing serious problems since when I apply for credit and give the potential creditor my actual address, they see the wrong address on TransUnion and do not believe me.

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 2022-10-15
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Accts # XXXX, Has violated my rights 1. Acct # - XXXX Acct Name - XXXX XXXX XXXX 2. Acct # - XXXX Acct Name - XXXX XXXX 3. Acct # - XXXX Acct Name - U.S. DEPARTMENT OF EDUCATION 4. Acct # - XXXX Acct Name - U.S. DEPARTMENT OF EDUCATION 5. Acct # - XXXX Acct Name - XXXX XXXX XXXX 6. Acct # - XXXX Acct Name - DEPARTMENT OF EDUCATION/XXXX XXXX XXXX Acct # - XXXX Acct Name - DEPARTMENT OF EDUCATIONXXXX XXXX XXXX Acct # - XXXX Acct Name - XXXX XXXX XXXX 9. Acct # - XXXX Acct Name - XXXX XXXX XXXX  15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX was supposed to delete any negative information on my credit reports with all 3 bureaus once the loans were brought to positive status with XXXX XXXX XXXX. The student loans were fully paid off in XXXX of XXXX with XXXX XXXX XXXX XXXX, the company my loans were transferred to. The negative reporting was successfully deleted from my XXXX and XXXX credit reports but for some reason is still showing on my Equifax Credit Report. I need the negative reporting from XXXX deleted off of my Equifax credit report. This inaccurate information is hurting my credit score with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Chime Financial Inc
State: CT
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:
On XX/XX/XXXX at approximately XXXX XXXX  ET, I received a transaction notification on my phone from Chime regarding a transaction for {$1300.00} from XXXX XXXX of XXXX, TX. I did not authorize this transaction, so I immediately opened the Chime banking app and XXXX transactions on my Chime card while I attempted to contact customer service. 

At XXXX XXXX  ET, I received a " transaction declined '' alert for a second transaction, for the same amount, from Chime. 

I immediately contacted Chime customer service via phone, where I spoke to XXXX, to whom I explained that the transactions were fraudulent and that I wished to file a dispute. XXXX directed my call to their Disputes team, where I spoke to a male with an odd manner of speaking, whose name I didn't catch. He explained that, because the transaction was pending, that I would be unable to dispute the charge until the transaction either dropped off my account, or settled. He started the process of issuing me a new debit card, and instructed me to watch my account for the next few days, and file a dispute if/when the transaction settled. 

On Saturday, XX/XX/XXXX, I saw that the transaction had been settled, so I proceeded with filing a dispute. On Sunday, XX/XX/XXXX, I received an email from Chime, informing me that my dispute had been closed and they determined that no error had occurred, and my account would not be credited for the amount in question ( {$1300.00} ). 

I contacted Chime customer service once again on XX/XX/XXXX, explaining that yes, in fact, an error HAS occurred, because not only have I never done business with XXXX, I also do not live in TX, my card has not left my possession, and I live thousands of miles from TX ( in CT ), so I clearly have not authorized this transaction and that I expect them to do a proper investigation and return the stolen money to my account immediately. Chime customer service responded that my message would be forwarded to their Disputes team, however, my dispute is still showing as closed on the Chime app, and I am still out {$1300.00}. 

I have also begun the process of removing my money from Chime, as I no longer feel that I can trust them with my money because they've allowed someone to commit fraud and steal my money right out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: ZIONS BANCORPORATION
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: Their investigation did not fix an error on your report

Complaint:
Visa Card issued by Zions National B ank 30 day late payment has been noted on my credit report.     My law firm has  XXXX  times contested this negative mark on my credit report.      Zions National Ban k refuses to remove it from my credit report.      Visa    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   2001  The statute of limitations has passed.     Please remove this 30 day late notice from my credit report.     Thanks in advance.      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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
n accordance with the Fair credit Reporting Act, XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2019-03-20
Company: Nelnet, Inc.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
had decided to refinance my loans with XXXX in XXXX and began the process with contacting Firstmark and XXXX for payoff amounts. 
Firstmark on XX/XX/XXXX emailed me asking if I would like to use forbearance prior to the loans being paid off by XXXX. I immediately made contact and requested to use the forbearance for the months of XX/XX/XXXX and XX/XX/XXXX payments which would place my account up to date while XXXX completed the refinance. 

I was informed that I would receive an email with instructions for completing the forbearance request but that it was noted I was already pre-authorized. I waited 5 business days as they said it may take a few days before receiving the email before I contacted Firstmark again. They apologized and stated that they would send it out and make note on the account that I did not receive it and would submit it once received and completed. 

I received notification that I was reported 60 days past due to the Credit Bureau for non-payment and still had not received the documentation. In calling Firstmark to follow up and question the negative reporting I was informed that my loan was paid off by XXXX and they can not change their reporting. 

I have consistently made monthly payments without issue and during the time of the refinance stayed in constant communication with Firstmark and agreed to utilize the offered forbearance to avoid further past due days or to be delinquent. Now Firstmark is stating the loan is paid off and the reporting was completed ; I now have a negative report documented with no assistance or reversal by Firstmark when I have been told and offered 2 months of forbearance. I have documented and attached email correspondences and days and times of contact with First Mark. If I had known the forbearance was not an option I would of resume payments to avoid delinquent reporting. My contact with Firstmark representatives were always positive and helpful as they stated they would be sending the requested documentation along in which I still have not received but have received other correspondence from them by email and mail. When I called to question their processes I was told there was nothing they could do it was reported and you have to take that up with the credit bureau. The representative was short with me and dismissive of my questions and frustrations with not received the necessary documentation to finalize the forbearance. 

This negative reporting is unfair and honestly I feel lied to. XXXX has since paid off my loan and the dates will accurately match up to the dates of Firstmarks initial email and all following phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Letters were sent to dispute the public records. In the first attempt, the CRA responded with a generic reply stated that the public records have come back verified. The second attempt no response. I have reached out to the public records vendor and received a letter with letterhead and signature stating that they in fact DO NOT report to the CRA 's. The CRA 's have failed to provide me with original signatures and/or contracts. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the CRA 's are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts the CRA post on a credit report. Otherwise, anyone paying for that reporting services could fax, mail, or email in a fraudulent account. 

I have requested to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) the CRA 's have on file of the accounts listed. The CRA 's have yet to positively verify these accounts and this has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if the CRA 's are unable to provide me a copy of the verifiable proof, they must remove the accounts listed below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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: Account information incorrect

Complaint:
THIS ACCOUNT IS SHOWING THAT STILL OPEN ON MY CREDIT REPORT, WHEN THIS ACCOUNT IS CLOSED SINCE 2018. THIS ACCOUNT IS A JOINT ACCOUNT, AND MY HUSBAND SINCE THE FIRST DISPUTE, HE SEND THE CERTIFIED LETTER WITH THIS INFORMATION, AND THEY DELETED FROM HIS CREDIT REPORT AND ON MY CREDIT REPORT, THEY STILL CHANGING THE ACCOUNT STATUS FROM OPEN TO CLOSED TO OPEN ATTACHED I INCLUDE THE CREDIT REPORT COPY AND THE CERTIFIED LETTER NUMBER RECEIPT.

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 2017-06-13
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX XXXX approved a loan modification for me then transferred my loan to Ocwen inXX/XX/XXXX. When my loan got to Ocwen they wouldnt accept the modification that was already in place with XXXX. I have been trying to find out what happened to the notarized package that was sent in XX/XX/XXXX, and why Ocwen wouldnt accept what XXXX had already approved for me. Please help me! I have been in my home 24years and I dont have anywhere else to live once my home is sold on XX/XX/XXXX. I didnt just leave my home like many other homeowners would have done. XX/XX/XXXX to Present Ocwen has been denying me the Modification that I had in place in XX/XX/XXXX. Ocwen didnt acknowledge ever receiving my XXXX Notarized Documents of XX/XX/XXXXuntilXX/XX/XXXX. I continued from XX/XX/XXXX to present to ask for my modification but I continue to get letters from Ocwen saying " Investor Doesent Participate in the HAMP ''. Ocwen wanted me to leave my home and I didnt. I did nothing wrong. My loan transferred to Ocwen and once my documents go to them, the process stopped. Ocwen didnt tell me about my Notarized Documents until 5years later. When my loan transferred to Ocwen in XX/XX/XXXX, I owed {$31000.00} in Arrears, today my Arrears are {$370.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Experian Information Solutions Inc.
State: CA
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:
I have tried NUMEROUS TIMES to get my PAYMENT HISTORY corrected with They continue to go in and make changes that make matters WORST! They are NOT being legal, honest or FAIR! 

I am asking that you hold them accountable and make them take those late payments OFF! I have NOT been late on my payments and their continual ERRORS and MISREPORTING make me further confirm that THIS INFORMATION IS NOT CORRECT! 

I WANT THESE PAYMENTS DELETED FROM MY ACCOUNT. I WANT THE ENTIRE ACCOUNTS DELETED AS THEY ARE NOT REPORTING CORRECTLY BY LAW AND THEY DO NOT REFLECT ME AND MY CREDIT HISTORY. 


I HAVE ATTACHED DOCUMENTATION THAT SUPPORTS THE ERRORS THAT ARE BEING MADE ON MY ACCOUNT.

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 2022-09-13
Company: Freedom Mortgage Company
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have two loans that are being serviced by Freedom Mortgage who continues to find every excuse to use " forced placed '' insurance on my properties. I have owned these properties for many years and have never been without insurance on these homes and yet I have to continue to fight with Freedom Mortgage to inform them that in fact, I do have insurance. As servicers, I thought they manage the insurance payments by managing the escrow funds. They appear to search for reasons to defraud the consumer by placing these predatory " insurance '' products on consumers that already have insurance. For consumers that are struggling to pay the basic mortgage, this type of dishonest practice will surely push them into default. I can hardly believe this practice is legal. Please do something about this and use Freedom Mortgage as an example.

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