BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account 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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : EXPERIAN : XXXX XXXX  Date of Inquiry : XX/XX/2020 XXXX XXXX XXXX Date of Inquiry : XXXX/XXXX/202 XXXX : XXXX XXXX  Date of Inquiry : XX/XX/2020 XXXX  Date of Inquiry : XX/XX/2020 XXXX : XXXX XXXX  Date of Inquiry : XX/XX/2020

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 2022-05-16
Company: EQUIFAX, INC.
State: FL
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: WELLS FARGO & COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Wells Fargo Reresentative XXXX XXXX contacted me about charged off Wells Fargo credit card. Never verified account. Continued on with collection practice & options. Representative then released all account information, home address, amount of debt, my cell phone number, my business #.

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 2017-05-22
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I initiated a mortgage loan on  XXXX / XXXX / XXXX  and the only insurance requirement indicated was for hazard insurance. Since origination, the loan servicing has been transferred twice. At no time did either of the servicing companies state a requirement for any insurance other than hazard insurance. On  XXXX / XXXX / XXXX , Specialized Loan Servicing LLC  ( SLS ), th e current loan servicing company sent a letter stating that windstorm insurance was required. I promptly ordered and paid for a windstorm policy, which became effective  XXXX / XXXX / XXXX . I was further notified by SLS that I was required to have windstorm insurance for the period  XXXX / XXXX / XXXX  through  XXXX / XXXX / XXXX . I called and spoke with t he SLS Insurance Center p ersonnel, explaining that there was no indication of requirement for windstorm insurance prior to their letter of  XXXX / XXXX / XXXX . I inquired why a policy was required retroactively. SLS personnel advised that the mortgage required it. SLS then force-placed a windstorm on the property, for the period  XXXX / XXXX / XXXX  through  XXXX / XXXX / XXXX , and they charged the {$2000.00} premium to my escrow account. I call ed the SLS Insurance Center again and asked that the charge for that premium be removed from my escrow account for the reasons already cited. SLS has refused to remove the premium charge .

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 2020-06-11
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
In XXXX of XXXX, American Express began trying to collect, for the second time on a 3 year old account. They sent multiple emails stating that I could settle the account in XXXX and XXXX. When I did not respond. The re-aged the debt.The account had been closed and charged off in XXXX. They are showing an incomplete payment history on the account and reporting new late payments on this account. They also have tried to make the account look as if it is a recent charge-off in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been a battle going through this and I am writing to delete the following fraudulent items in my file. These items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that these items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not alleged to the following items listed below that are showing on my credit report. I therefore request that you immediately remove/ block these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2021 ; XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XX/XX/2021, XXXX XX/XX/2021 XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-05-16
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: Information belongs to someone else

Complaint:
It has been a battle going through this and I am writing to delete the following fraudulent items in my file. These items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that these items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not alleged to the following items listed below that are showing on my credit report. I therefore request that you immediately remove/ block these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have a private loan through Navient which they took from XXXX XXXX. I finished XXXX XXXX in XXXX and was told I had already used my deferment, though I was not aware of this, and no one was able to tell me when I had used it or give me details regarding it 's use. They simply stated " it had been used '' and refused to provide further detail. Because of this, when I was unemployed and trying to get a job ( waiting on paperwork from the Board of Counselor 's to come through ), I was missing payments. I called as well as answered when they called, several times and asked if there was any deferment or forbearance or anything available and was told there was not. I was yelled at by the employees of Navient multiple times, interrupted while speaking and then at another time essentially told they could n't do anything so I should simply cease to answer the phone. I finally called the main office and reached my " case manager '' and was told if I made a payment that month my account would not be sent to collections and we could start on a manageable payment plan the following month. I paid the requested amount, and a week later was receiving calls again ( the month had not changed ) stating that the previous amount " simply brought [ me ] current '' but that I needed to make an additional payment. I expressed that I was informed by my case manager of the amount required and that I had already paid that, to which the response was that it was not enough. I called the following month to set up the payment plan and was given an amount that was not " manageable '' as I had previously been told. I was informed this was my only option without a credit check, review of my finances, and review of my co-signer 's finances. I informed my case manager that I would speak with my co-signer and we would determine our next step. She then called another individual, who was NOT my co-signer, but simply a reference on the loan, and left a voicemail speaking about my private loan information with someone who was not on the loan. I have a copy of this voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account 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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : XXXX XXXX  Date of Inquiry : XX/XX/2020 XXXX XXXX XXXX Date of Inquiry : XXXX/XXXX/202 XXXX : XXXX XXXX Date of Inquiry : XX/XX/2020 XXXX Date of Inquiry : XX/XX/2020 TRANSUNION : XXXX XXXX Date of Inquiry : XX/XX/2020

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 2021-12-09
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was told by Navy Federal Credit Union that I would have to wait 90 to 120 for a refund. I purchased an extended car warranty with a company names XXXX XXXX. They are no longer in business and they have filled for Bankruptcy. The bank has changed there policy from 7 to 10 days to 90 to 120 days for a refund.

According to the FDIC - The standard insurance amount is {$250000.00} per depositor, per insured bank, for each account ownership category. The FDIC provides separate coverage for deposits held in different account ownership categories. 

With that being stated the {$2800.00} should be refunded to be due to services not met by another company. 

I ask that NFCU follow FDIC protocol for the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-16
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX 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 non-monetary relief
Consumer complaint received 2018-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hello - Two years ago I went through a divorce. As part of the divorce settlement my ex-wife was given one of our cars that we had a loan on. It was a joint account through XXXX XXXX XXXX. I asked my ex-wife to remove me from the account though she never did. She changed the mailing address for the account and login information online, so I was unable to access the account. The loan was nearly paid off, so I did n't worry about it too much. In XXXX of this year I got a notification from my credit monitoring service that the account was over 30 days past due. I contacted my ex-wife and she said it was due to a change in her billing account and fixed the issue and paid off the outstanding balance. 

Still as a result of this I now have a 30 day late payment notice on my credit report. My credit score took a hit as well, dropping from XXXX to XXXX. 

Recently, I contacted XXXX XXXX to explain the situation and inquire about having the negative mark removed from my credit report. Since I no longer had access to the account online and my ex-wife updated the mailing address to her new address. I received no notice of a past due balance. XXXX said they were sympathetic but unwilling to remove the mark.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: Bronstein & Weiss Arbitration
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received phone calls from my ex brother in law ( no communication with him for 10 years ) and my ex and both stated a law firm company called stating I owed debts and they were on their way to my work to serve me papers at my work unless I called XXXX. I have received at least XXXX to XXXX calls stating my bank account is going to be frozen within XXXX hrs, numerous calls stating that I need to be home/work to be served papers between XXXX pm have ID. A XXXX says he is from XXXX XXXX process servers and will be serving me ... he does not exist with XXXX XXXX. I called and the phones were answered XXXX and XXXX. I had informed them that family was getting phone calls in regards to a so called debt and they were disclosing info to people illegally. I asked for their attorneys name and bar # ... the woman fumbled and could not give me an answer and yelled at me asking for my attys info. I asked for an address and was given a XXXX store address in XXXX, New York. This woman continuously kept putting me on hold and was agitated. I ended the call after things did n't seem right. This company goes by several different names XXXX and XXXX, Law offices of XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX. The phone numbers change XXXX, XXXX. This entity has broken almost every debt collector law there is- disclosure of a debt to others, threatening to freeze bank accounts, threatening to show up at my work to serve me unless I call the number, stating they are a law firm. I have not received any letters stating the debt, amount, and what it is for ... nor have I received a demand letter from an attorney. I XXXX this entity on tje internet and scam/fraud keeps popping up and suggests to not call this number back. I have called the State Attorney 's Office, my bank, XXXX, and my credit report. I have a couple items on my report that are XXXX XXXX XXXX ( past the statute of limitations and they are coming off my report in the next couple months ) and a couple current debts that I am taking care of. I do not see this entity on my credit report. I included a Ceist and Desist letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is a follow up to my last complaint. Sending me what I sent you is not clarification. I do not know when the fraud began, I reported it as soon as I saw it on my reports. I have several student loans, all of which are in good standing, but I do not have knowledge of this one. The random letter you sent doesn't even have an account number, and you are not XXXX XXXX. My loans are all federal, not private. I see nothing authorizing this loan. I demand proof of signing for this loan be sent to me, or you have failed to verify the debt.

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 2020-06-11
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My father is an elderly XXXX XXXX XXXX man who moved out of his apartment due to his partner 's XXXX XXXX When he moved out he delivered his last rent check by hand to the front desk. He thought he was done with the apartment. 

Months later, we discovered on our credit report that we have an outstanding balance with our old apartment building. Well, we never got any notices about this. How would we know to pay this? 

It was apparently sent to collections, who also did not notify us. They claim they did not know our current address and sent the notices to the same address for the apartment we had just moved out of! Obviously that is not going to work and we would not have received that notice. Our credit report clearly shows our current address and they also could have called us, but nobody called or contacted us. 

Thus we never received fair notice that we could pay or dispute the debt. The debt is apparently for all sorts of move-out charges we were not made aware of ( and would have been happy to pay ). 

This should never have been sent to collections. We called the collections agency to explain this but they refused to assist and keep insisting that they provided sufficient required notice. They also lied to us and told us it would be illegal to remove the information from the credit report in error and that our only option was to pay it.

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 2019-12-13
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
During the course of the lease in question, I, the customer, consistently paid on my account early and in excess of the minimum amount due. When the lease had ended, I returned the vehicle in pristine condition. GM Financial had agreed, but had charged $XXXX in over-mileage charges, with the final payment due on XX/XX/2019. I am not disputing this charge, I want to pay it. GM Financial offered only ONE method of payment for their final bill, via check and using a slip attached to the final bill. On XX/XX/2019, a payment for $XXXX in the form of check (from my account, check #XXXX) along with the final bill slip was sent via USPS to the address provided by GM Financial: XXXX. XXXX XXXX, XXXX, AZ XXXX as instructed by the final bill sent by GM Financial.I have not heard from GM Financial directly since. However, GM Financial, without indication, warning, or otherwise, reported to XXXX  a serious delinquency on my account. The only way I found out about this was through a credit monitoring service. GM Financial lost my check. GM Financial did not send any additional notices. A dispute from XXXX  confirmed what was stated in my initial paragraph: I, the customer, consistently paid on my account early and in excess of the minimum amount due. However, the end result of the dispute was inconclusive. When reaching out to GM Financial to see what the problem was, they simply refused to help or even look into the matter further. The date, time, and person I spoke to from GM Financial was recorded for reference.

Company response to consumer: Closed with explanation