BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX XXXX XXXX and I am submitting this complaint to you today to inform the Credit Reporting Agencies that I was a victim of identity theft. I researched on how to remove the fraudulent accounts from my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an IDTHEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$1800.00} XXXXXXXX XXXX XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance XXXX {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$50000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have read that according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of 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 2022-04-28
Company: National Credit Adjusters, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
It is under the law and model XXXX and XXXX that I be given notice about information being reported to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have received repetitive texts from Cardinal Financial about a mortgage inquiry. My husband owns a mortgage group so I am obviously not interested. Today, XX/XX/XXXX I received another batch of texts around XXXX p.m. consisting of XXXX ( TWELVE!! ) texts in less than one minute. Its clearly spam from the fake conversations. The name of the person was XXXX tonight but similar texts have been sent like this in the past. This is harassment. My husband will be filing a complaint through XXXX channels as well as Cardinal Financial is violating best practices as a lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX  otherwise know as XXXX XXXX XXXX started unlawfully sending me collection notices on XX/XX/2022. This had been resolved in XXXX. XXXX  threatening again for ( 2 ) debts that are over 7 years old. Now they are somehow harassing me when make an inquiry on current credit cards, Im placed on hold, redirected to XXXX, where They claim that they didnt call me, rather, I called them. Obviously, this collection agency has found another way to harass 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 explanation
Consumer complaint received 2021-11-20
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Unauthorised transactions made with my MoneyGram online account in which I had to cancel because of fraud MoneyGram refunded one but did not refund the other because they said it was picked up already by the receiver I told them I didn't authorize this so my bank charge me for it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: Southwest Credit Systems, L.P.
State: NJ
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:
An individual in Tennessee opened an account under my name with Spectrum I received a collection notice from Southwest Credit XXXX XXXX XXXX XXXX XXXX. I spoke to XXXX  about this speaking to a rep named XXXX, I asked XXXX why XXXX does not verify a consumers ID by running a credit report through XXXX of the reporting agencies. To my surprise XXXX stated that XXXX does not even ask for a persons SS number when they apply for credit which I found odd because apparently this fraudulent debt is tied to mine. I think its appalling that a company does not perform their due diligence when handing out credit, had XXXX  checked with just ONE reporting agency they would have immediately discovered that all my files are FROZEN and that I am a victim of ID THEFT. I have a consumer statement on ALL reporting agencies XXXX XXXX, XXXX, XXXX which states that I am a victim of ID THEFT and that my SS # has been compromised, it also states that NO CREDITOR is to issue credit to any individual unless they verify their IDENTITY by emailing me, calling me or via mail these instructions were not followed and now they want me the consumer to unravel their mess. XXXX should have never issued credit under my name with out verification. Also I live in NJ  why would I apply for Spectrum in Tennessee?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX   ( original creditor   XXXX   XXXX   ) calls my place of employment every single day, all day. They ask the receptionist to transfer them to my boss a nd after leaving messages on his voicemail they continue to harass the receptionist with several calls.

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 2017-04-24
Company: EQUIFAX, INC.
State: MI
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 sent several letters to the reporting agency. It has been more that 45 days since they received my letter yet I have not received a response nor have they corrected the errors involved

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have open a bank account a couple of weeks ago and they are telling me mixed up questions on checking my identity they have frozen my account cause they said I do n't have the proper requirements to close my account I have said several times to the manager every time I go to the bank that I have seen my exboyfriend from  XXXX  New Jersey around that bank area. I have showed the manager my state indentation, social security card, my birth certificate and a letter from the hotel I have been residing at he has told me still I ca n't close my bank account with that type of address he is now saying I need a physical address to close my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: PNC Bank N.A.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My lender made adjustments to our closing disclosure after closing since they did n't disperse the correct funds to the correct places. I was issued several additional closing disclosures, but they did n't balance and some of the numbers were stating amounts that were n't accurate. The lender sold the loan to a servicer and is no longer responding regarding corrections to the closing disclosure. I requested a copy of my final closing disclosure from the servicer and the only send me the original and not the revised versions. Keep in mind that I still do n't have a closing disclosure showing the correct amounts paid at closing that balances. We closed on  XX/XX/16   . We originated with  XXXX   XXXX  and the loan was purchased by PNC Mortgage. I have contacted both many times to fix this, and they have only sent the original one. I attached the correspondence with PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Dispute against Wells Fargo Bank XXXX occurred : XX/XX/XXXX {$580.00} reversed made on my account ( incorrect ) XXXX received a notification that there was a duplicate deposit made and XXXX decided to reverse the funds without investigating. This has been ongoing since XX/XX/XXXX. They made me contact my employer and other banking institution to resolve this matter and even being on a conference call with all parties, XXXX still was not able to assist or just hung up. I have spent hours and days from XX/XX/XXXX til today XX/XX/XXXX XXXX speaking to many reps and everyone has a different answer. That or the reps were fed up with me calling in so many times and disconnected the call. XXXX led me to believe that the claim was being worked on and every couple days the claim would close for the first reason. Some reps would say the claim numbers I provided did not exist and would submit another. I had no say in the doing so, so I just let them create another claim. One rep told me there is no use in me filing anymore claims because it was just going to close for the same reason. Others couldn't find my claims and others did not help. Transferred to thousands of depts with no help and each day was like that. I was told that my employer needed to dispute the case and others said my other bank needed to dispute and some said I needed to dispute it. No answer was consistent with the other. I am tired from calling and spending days and hours on the line waiting for no help. If they reverse my funds it would only be right if they put it back. Going through all this is like pulling teeth and at this point I'd rather go through teeth pulling.

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 2022-04-28
Company: AMERICAN HONDA FINANCE CORP
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:
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 a open end consumer credit plans as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Experian Information Solutions 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:
The credit report agency is reporting inaccurate information on my credit report. They have the collection account contract caller Inc on my credit file This is not my account. This belongs to someone to someone else.

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 2018-03-12
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XX/XX/XXXX a purchase was made with my prepaid card for XXXX for a XXXX XXXX reservation. I never stayed there nor did i make the purchase. I contacted navy federal on the XX/XX/XXXXwhen i discovered the charge and was given a credit temporarily. They then took the credit back and told me to contact the merchant for a refund and they refused to refund me and told me to contact my financial institution to be refunded. I shouldnt be charged for a purchase i did not make.

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 2018-08-01
Company: PNC Bank N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
PNC Bank visa card had a promotion which I selected -- 10 % cashback at XXXX XXXX restaurant. On XX/XX/2018, I went to XXXX XXXX and spent {$100.00}. The charge appeared on my statement but PNC will not give me my 10 % back because XXXX XXXX the payment as XXXX XXXX XXXX, which is the location of the XXXX XXXX. Nowhere in the promotional material viewed by the consumer does it state that the promotion was location specific nor is it possible for the consumer to know prior to the purchase how XXXX XXXX titles their restaurants credit card payment. PNC states since it does not say " XXXX XXXX '' I don't get the cash back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: Statebridge Company
State: WA
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: Information is incorrect

Complaint:
On XX/XX/XXXX, I received an alert message from all three credit reporting Bureaus ; XXXX, XXXX  and XXXX that my credit scores has decreased by 120 points  as a result of an adversely Negative report on my credit files by Statebridge Company ( company ), a debt collection and Mortgage Servicer. When I checked the report from this company, it reported on XX/XX/XXXX that I am delinquent by 180 days on a mortgage Loan I received from them on XX/XX/XXXX. 
This information on my credit files reported by this Company is false and inaccurate and has to be removed. I did not receive or apply for any loan from this company in XX/XX/XXXX ; I do not have any signed monthly payment plan with them and did not borrow {$50000.00} dollars from this company. 
I received a letter from this company on XX/XX/XXXX and XX/XX/XXXX that they are the new servicer of a {$48000.00} debt they bought from XXXX XXXX XXXX , XXXX, on XX/XX/XXXX. 
I reached out to Statebridge Company on XXXX XXXX with a dispute letter and informed them that I DO NOT OWE THIS DEBT. This debt was disputed and the previous servicer and debt collector namely XXXX XXXX XXXX who sold the debt to them was unable to collect any money from me regarding the debt. This debt was disputed and was written off by the original lender XXXX XXXX  in XX/XX/XXXX and they stopped reporting this debt on my credit report. 
This Loan servicer and debt collectors threatened to foreclose on my primary residence and sent a foreclosure appraiser to appraise my house for sale and I have a copy of the appraisal they sent me.They also told me they have a lien on my property. 
I was in the process of refinancing my Mortgage since XX/XX/XXXX and was at the final stages at the Title Company. The Title Company noticed that a lien was placed on my house. They reached out to them to find out what interest they have on my house and wanted to work with them to remove the Lien and requested for a settlement offer if any to enable them to finalize the refinance by XX/XX/XXXX. 
On XX/XX/XXXX when we were getting ready to go and sign the closing documents, the Lender informed me that my final credit report check before closing had dropped below 600 points and was unable to proceed with my Loan, and therefore, the refinance was cancelled. 
I reached out to Statebridge by phone and mail to remove the inaccurate report from my credit files, but they refused.This adversely Negative credit report by Statebridge Company has affected me tremendously, and they need to remove this report from my credit files and stop reporting on my credit report. It has harmed my Business by a Loan denial from XXXX XXXX  on XX/XX/XXXX and this inaccurate reporting will prevent me from Refinancing my Mortgage to have needed funds to repair my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Someone got and stole my personal information and has been receiving my unemployment benefit money in their 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 2022-01-05
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
To whom it may concern : In 2018 I applied for and XXXX, I sent in my application as well as my proof of income which at the time was all I was told to send in. Nelnet stated that I was missing information ( one or more items missing ). They stated that they tried to send me the items that was missing in the mail and when I asked what address they sent it to, their reply was that they did not have my address on file ( if I turned in an application, I would think that my address would be listed on my application ) which is a contradiction because later on in their letter they miraculously found my address of which they claim they were sending bills out to my address, but it was only after I sent this to the CFPB that they so call found my address. They stated that they were sending me emails and calling a number that I did not have. Any time I get a new number or new address I know it is protocol to call and update my information which is something I have always done so I don't understand why they are saying they didn't have any of my updated information! 
This is all just a misunderstanding and they are punishing me for their mistake! This is not fair because this has caused me hardship and damage to my credit report! I have attached a copy of the letter where they are contradicting themselves. I would like for these late payments to be removed within the next 30 days or I will have my consumer lawyer get involved with the matter and sue for damaged to each of my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Stern Recovery Services, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt is by someone with a similar name.

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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am writing this complaint to remove information from my credit file. I just reviewed a copy of my Transunion credit report and found the following information to be an error. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission.

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