BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-07
Company: EQUIFAX, INC.
State: TN
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 had a problem with equifax since  XXXX  of  2017 .   XXXX   XXXX   has submitted multiple requests to have some hard inquiries removed off of my report. I have previously submitted letters to cfpb that show where the   XXXX   XXXX   submitted the request. They submitted the request again on  XXXX   XXXX ,  2017  and spoke with equifax business at  XXXX  option  XXXX . They were given case number  XXXX  as proof that the inquiry 's were removed but they 're still on my personal credit report. Equifax is a horrible company who gives consumers the run around. I was told to send a copy of the letter from   XXXX   XXXX   and they would remove the inquiry in which they have not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently ran my credit and come to find that Barclays Bank is claiming that I owe a sum of {$620.00} to an account that is not mine. They are claiming I had used their credit card, made 3 payments and then let the account go into collections. Barclays Bank is claiming I opened this account XX/XX/2019. I have tried to reach Barclays several times, through different numbers found on their website with no luck of being able to talk to an actual person about this matter. This issue can be due to identity theft, mistaken identity, or fraud on Barclays behalf. I have tried to reach out to Barclays to see what bank account these " payments '' were given from, but again, it has been difficult to reach anyone at the bank. I have a perfect history of paying off my accounts, and can show proof of this if needed. I have absolutely no knowledge this account existed and have received absolutely no paper work, letters, e-mails, or phone calls regarding this supposed account. I have disputed on XXXX  concerning this matter, their findings of my dispute has been verified as accurate, which is considered to be completely false.

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 2017-06-20
Company: U.S. BANCORP
State: OH
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:
Pulled my credit and seen a hard inquiry from a company I do n't know what it is and I never got nothing from them.

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 2017-06-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Duplex  XX/XX/XXXX   {$10000.00} purchase price   XX/XX/XXXX  per manent financing -payoff of {$48000.00} rehab loan {$6300.00} paid {$47000.00} loan amount - {$360.00} payments - {$370.00} annual taxes - {$590.00} annual insurance {$69000.00} payments  XX/XX/XXXX  streamline refinance {$43000.00} balance - {$290.00} payments for 84 months.   - {$270.00} remaining {$15000.00} payments  XX/XX/XXXX  refinance - XXXX  payoff - {$9300.00} plus {$3900.00}  'cash out '  to commerce - {$590.00} to   XXXX   XXXX   {$54000.00} payments {$1000.00} in escrow account {$1000.00} unapplied funds {$18.00} fee returned {$15.00} late fee {$410.00} payment returned XX/XX/XXXX  {$540.00} {$560.00} {$530.00} checks returned in  XXXX  No payment in XX/XX/XXXX   XXXX  foreclosure notice  ( news clip ping from a lawyer ).  <P/> Dozens of calls and faxes to cancel  XXXX  foreclosure. Modification offer increased {$360.00} payment to nearly $  XXXX .  <P/> Did not sign. Request for terms reducing the payment. No response as of  XXXX  mailed {$2300.00} payments - All returned. ( {$500.00} application fee sent   XXXX   XXXX   never collected ) foreclosed 2 days after denial ( ( by   XXXX   XXXX   ? ).   XXXX  was n't late yet. Reinstatement quite -less than  24 hours prior to sale- showed ONE late fee.

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: MRS BPO, LLC
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:
My account with  XXXX   XXXX  was closed after I voluntaried surrendered my vehicle to them. For years it reported as closed & now it 's being reported as open with  XXXX  of the credit bureaus & I would like the information on my credit report to be reported accurately.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: LD Holdings Group, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/19 a payment through ACH was scheduled today is now XX/XX/19 to my knowledge the mortgage refused said payment my bank provided me with a transmittle form showing the mortgage refused payment stating this fact putting me further behind amd mortgage now states they will not accept anymore payments on my behalf and want to move forward with foreclosure The bank im referencing is Loan Depot

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I received charges of {$26.00} on both XX/XX/XXXX XX/XX/XXXX on my credit card for a monthly membership that I never signed up for. I was able to cancel the " membership '', but unable to recoup the money already charged without my consent.

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 2017-06-07
Company: BARCLAYS BANK DELAWARE
State: OH
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:
Juniper AKA Barclays took my payment out of the wrong account which I have n't used for over a year, put that account {$190.00} in the negative. They refuse to do anything about it besides try to give the money back which could take 30 days and more fees spiralling my account farther into the negative. Barclays also r efused to cover the charges to my account caused by non sufficient funds.

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 2021-04-20
Company: Early Warning Services, LLC
State: CA
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:
I, XXXX XXXX has never owned an account with XXXX XXXX. The account on my consumer report on EarlyWarningSolutions states I had an account with XXXX, it has my name on it with no personal details correlating with my personal details. I believe this is a computer error or personally not my own account. The account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
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:
XXXX continually does a HARD credit inquiry EVERY month alleging " approaching credit limit '' which causes my credit score to not only go down BUT adds additional inquiries to my total destroying my score. THERE IS NO REASON TO ADD HARD INQUIRIES EACH MONTH JUST TO SAY APPROACHING LIMIT AND RUIN MY SCORE. This is an ABUSE of the credit reporting system and is done in retaliation by XXXX to attack customers holding balances on their account. My account is current, NOT over limit and not in violation of terms and conditions STOP THE ILLEGAL HARD CREDIT INQUIRIES BY 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 2017-06-07
Company: EQUIFAX, INC.
State: DC
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:
-There are two XXXX student loan accounts that are negatively affecting my credit report ( A redacted screenshot is attached. ) -The " first account '' was opened in XXXX. I experienced financial difficulty beginning in late XXXX. Despite making minimum payments, XXXX  charged-off the account in XXXX.
<P/>
-The " second account '' appeared on my credit report in XXXX. This second account is listed as being " In Collection. '' -There are separate telephone numbers for each of these two XXXX accounts. I called the number associated with the " first account '' and the recording indicated that XXXX no longer services student loans and that I should contact " XXXX XXXX. '' Upon contacting XXXX XXXX, I gave them my identifying information and they indicated that they could not find an account for me. I called the number associated with the " second account '' and the recording indicated that the number dialed was no longer in service.
<P/>
-Thereafter, I filed a dispute with the three major credit reporting agencies ( XXXX , Equifax , and XXXX ). The results of my disputes with the major credit reporting agencies stated that the information for both XXXX accounts is " accurate and has been updated. '' -Request for resolution : 1. How can the information related to these two XXXX accounts be " accurate '' when neither telephone number will put me in touch with someone with knowledge of these accounts?
<P/>
2. How were the major credit reporting agencies able to contact someone to allegedly validate this information when I can not do so with the information provided in my credit report?
<P/>
3. XXXX has neither notified me about the " second account '' that is allegedly " In Collection '' nor have they provided me an opportunity to address this collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Transunion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 8 complaints informing Transunion that I was a victim of identity theft. Transunion is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Transunion has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: PA
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 is 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 Experian Credit Bureau the date of the last letter was on XXXX XXXX. And now we are in the month of XX/XX/XXXX, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX 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 non-monetary relief
Consumer complaint received 2020-11-13
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
A payment of XXXX was deposited into PayPal account and they have denied service to me and are holding my money for 180 days. They gave no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: WELLS FARGO & 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: Information belongs to someone else

Complaint:
Company name : XXXX XXXX XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX, XXXX Address : XXXX XXXX, SD XXXX Company name : XXXX ( XXXX Bank Delaware ) inquiry date : XXXX XXXX, XXXX Address : XXXX, DE 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 2022-04-06
Company: EQUIFAX, INC.
State: MO
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 XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy.

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

15 U.S.C 1666 B : a creditor may not treat a payment or a credit card account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
im writing this complaint because ive obtained my credit report and seen the some questionable items on there that are very dangerous and a burden to my consumer report. the unjust and unfairness of the credit bureaus has caused me a great deal of financial stress. please help me resolve this matter as it is a surprise to me that these items are on there when never authorized for my permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: SYNCHRONY FINANCIAL
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving MULTIPLE phone calls per day sinceXX/XX/2019 ( today is XX/XX/2019 ) from the following phone number ( XXXX ) associated with XXXX XXXX XXXX XXXX : XX/XX/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, 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 Furthermore, I have also started receiving multiple phone calls from ANOTHER phone number ( XXXX ) associated with XXXX XXXX XXXX XXXX on the following dates : XXXX. XXXX : XXXX, XXXX, XXXX, XXXX, XXXX XXXX. XXXX : XXXX, XXXX XXXX. XXXX : XXXX, XXXX, XXXX XXXX. XXXX : XXXX, XXXX, XXXX, XXXX, XXXX I am now starting to receive letters via certified mail from the company as well.

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 2021-02-19
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Sallie Mae keeps harassing my family and my boyfriend. Not only is this embarassing but the customer service representative can't even pronounce my last name properly. They called so many times that XXXX thinks it's a spam caller. This is a pandemic, I have not been working since XX/XX/2020 and can not find a job that will hire me. I don't know how they got my brother 's cell phone # or my boyfriend 's phone # after explaining my situation. I don't have much source of income and struggling with health condition. I need this to stop, I do receive letters and can barely make ends meet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Experian Information Solutions Inc.
State: IL
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:
I don't recognize this inquiries, i never applied for this companies. I never get any service from this companies.

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 2017-06-07
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:
I have contacte d Trans Union with two letters, whic h first was mailed  XXXX   XXXX ,  2017  and second  one  on  XXXX   XXXX ,  2017  requesting Identity Theft Block in accordance with Sectio n 605B of the  FCRA and they clearly are refusing to block all the information I sent them by mail twice, with  USPS Certified  Mail with Return Receipt. They sent me a letter stating the declined due to either : a ) Been made in error, b ) is a misrepresentation of material fact relevant to the request to block. I have no idea what they mean in ( b ), but this definitely is not an error. I am a victim of identity theft and do n't understand what this is about. I want these block with accordance to Section 605B of the FCRA.    Trans Union is clear ly violating my FCRA rights. I am uploading both letters I mailed them and the return receipts.

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 2023-04-04
Company: Westlake Services, LLC
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Reference XXXX I have never had a car repo nor had a bad payment history with this company internal error that they refuse to fix nor with their affiliate I applied for a loan and was denied by Westlake reason for denial is repossession with Westlake or one of its affiliates but I have not had a repo with any company this is an error and they keep denying me when I had a perfect credit history with this company and was never late and paid my loan in full and closed it therefore I do not understand the denial letters I called their office on multiple occasions and they advised they have no record of repo or account not paid their records show perfect history but yet they are getting incorrect info and denying due to internal error that they refused to fix

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 2019-12-04
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Hello and thank you for taking the time to review my issue. 

I have been struggling to have my federal student loan consolidated for over 4 years now with multiple late payments resulting on my credit score. I am currently paying on the Great Lakes Stafford Loans ( serviced by NelNet ) separately from the rest of my student loans as a result of their refusal to consolidate even after multiple requests and applications for them to do so. I am attaching record of my consecutive late payments on my credit report resulting from my struggles stemming from this issue with Great Lakes and severe health issues that my father underwent during that time which forced me to relocate and assist my family. At this time I am struggling to pay my car loan that sits at a 19 % rate, my credit cards and other debt that is feasting on me with high interest rates due to the derogatory marks from my student loans. Please, if there is anything you guys can do to assist I would be forever grateful. I have not gone late since this past streak on any of my credit accounts.

Company response to consumer: Closed with explanation