BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-14
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: Old information reappears or never goes away

Complaint:
I have an account that appeared on my credit last year from XXXX XXXX on behalf of original creditor XXXX College and it was deleted off of my XXXX, XXXX and Transunion report by XXXX the dispute date was XX/XX/2017. Some how it has been reinserted this month on my XXXX, XXXX, and Transunion reports by a new collection agency going by the name of XXXX XXXX XXXX XXXX. I was not notified in writing or phone call about this debt nor does this account belong to me as I have placed a fraud alert on my credit files due to breach. It was previously removed from not being my debt and it was resold to another collection agency. I want this account removed back off of my credit reports immediately this is a violation of the FCRA by reinserting a deleted account back on my credit report.

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 2023-06-23
Company: OPORTUN FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On or around XX/XX/2021 Oportun ( Lender XXXX ) opened a credit card in my name without my permission. I have extended fraud alerts on my credit files, with all credit bureaus which specifically state that all information before an application is approved, must be verified by ME first before approving the application. This a fraud victim statement and my phone number is listed on the statement. Oportun chose to ignore that and instead went ahead and opened the account. I never signed any documents and I did not receive any credit cards. Nor did I ever make any purchases on this account because again I never received any cards. I tried to retrieve the login information based on what Oportun gave me, and I can not login. Nor can I retrieve the credentials because it is tied for a fraudulent email address ( XXXX ) and a Fraudulent phone number that ends in XXXX. Which again, Oportun stated they verified, and that phone number is not my phone number, nor is that what is listed on my credit files either. Oportun allowed payments to this account from a bank account that has been closed due to identity fraud, I never owned that bank account either and it was closed immediately. I am a victim of identity theft, and Oportun believes it's in their best interest to charge me for something I did not authorize. Nor did I approve said account, or any charges for that matter. Oportun shows a balance of {$730.00} and a limit of {$450.00} as charged off. This is false because again, I never applied for this account nor did I make any transactions on this account, and Oportun DID NOT verify my information clearly since I can not retrieve the credentials, and It's tied to information that doesn't match mine. Oportun was sent a FTC Report which is a valid LAW ENFORCEMENT IDENTITY THEFT AFFIDAVIT, but again Oportun refuses to assist because I did not complete their own Identity Theft Affidavit Allegedly. Again, I have a ID Theft Affidavit already and I attached it to this complaint. I want this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
This complaint is on behalf of my parents, they took a loan against their home with a fully paid-for home and a credit rating of XXXX my pops is a veteran, and they were paying XXXX interest, eventually, the rate after refinancing 2 times came down to XXXX Mom kept saying the bank was ripping them off. Every time that they would get to where they were no longer paying interest only the bank would tell them they needed to refinance, they were both in their XXXX and believed they had to refinance because the bank said so. Each refinances added more money they owed and they never received a penny it all went to fees etc. up to {$20000.00} A few months ago my mom passed and I took over caring for Pops, both my parents thought pops would have gone first and always said they had loan insurance so that the house would be paid off, so I looked into this with moms death, and find that the bank Wells Fargo had no loan insurance on mortgages, they refinanced at the same interest rate in 2021 taken moms name off as survive and co-signer, they made {$20000.00} dollars XXXX to my parents and increased the length of the loan, my pops would have to be XXXX yrs old to pay off the loan in addition to these issues it is a non-assumable loan .which means the bank will get the house no matter what, .My Pops is confused about the entire matter he said whenever the bank contacted him and said he needed to sign he went and signed. This is predatory I believe and this is wells Fargo

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 2022-01-14
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
For the past 18 months I've tried to resolve an inaccuracy issue that was reported to all 3 credit bureaus. I have reached out to XXXX, XXXX XXXX, and Experian regarding this matter ( disputes were also filed online ). I made a credit card payment for XXXX dollars in XXXX of XXXX to XXXXXXXX XXXX. I was kicked out of the system due to the website 's nightly maintenance. The issue resulted in me receiving a derogatory remark ( 30-day late payment ). I've spoken with 2 supervisors and several customer service reps in XXXX credit card department on several different occasions regarding the issue. XXXX advised that letters were sent to all 3 bureaus to have the discrepancies removed. After speaking with XXXX XXXX on XX/XX/XXXX I was told to request the letter be sent directly to me, I was instructed to upload the letter in the dispute portal online. I called XXXX on XX/XX/XXXX. I was told by the credit department that the system wouldn't allow them to send the letter directly to me. The representative tried to locate numbers to speak with the agencies directly. Unfortunately, he was unsuccessful. After speaking with his supervisor, he was instructed to send yet another letter ( the 4th attempt sent ) to resolve the issues. I'm not sure why the letters aren't arriving to the proper departments but, at this point the inaccurate reporting is affecting my ability to secure my mortage loan. I can't be approved by my lender with any late payments under 2 years old.

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 2022-12-28
Company: MOHELA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had student loans for grad school and XXXX through XXXX. I have been working as a XXXX XXXX XXXX XXXXXXXX XXXX since XX/XX/XXXX, which is a non-profit legal assistance law firm ( provides legal assistance to low income people in civil matters. ) Believing that I should qualify for 8 years of payments ( approximately XXXX of the required XXXX payments ) under PSLF, I applied for such before the XX/XX/XXXX deadline. I was required to consolidate my XXXX and grad school loans with Mohela to do this. I would never have consolidated these loans, except to get the PSLF ( my XXXX interest rate was very low ). Now, my loans are consolidated with Mohela, and I was approved for PSLF, but it is showing XXXX qualifying payments. Their website shows my PSLF application was processed on XX/XX/XXXX on the " documents received '' screen. My employer and I filled out the document correctly. ( Or if we did not, I never received any notification from Mohela that we did not. ) The only payments that appear to count, per their website, are the 4 since consolidation. It also states that it needs employment certification, but it processed that certification on XX/XX/XXXX. I should have about XXXX qualifying payments. This mistake if it stands will cost me over {$100000.00}. I submitted a question to Mohela and received a response on XX/XX/XXXX that I must call their XXXX. They did not attempt to reach out to me or to fix the problem. The same thing happened to my husband who XXXX XXXX at a XXXX XXXX He will make a similar complaint also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: CAVALRY INVESTMENTS, LLC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
IN 2013 I wasn't working and had no means of paying my debt. I could not make payments and XXXX refused to work with me. They said I had to pay the minimum. At this time I also had other debt that I was falling behind in. Therefore XXXX sold my information to Calvary SPV l.LLC who in turn hired attorneys to take me to court XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX UNITED STATES US. I did not receive a Certified Letter to let me know what was happening as they claim. Also XXXX refused to work with me. I could not afford the minimum and they offered no resolution, I was in dire straits. I'm XXXX years old and am still paying for debt that I had back then. I've worked hard to clean up my debt and this XXXX DEBT was from XXXX until it was sold to SPV l.LLC who again sending me amounts of payments which I could never afford. They destroyed what credit I have worked to improve and with my not having more years to work and will retire with nothing but Social Security as my main income, I am besides myself that now I am being sued by their attorneys.As I said there isn't a record of phone conversation to XXXX with me imploring them to be patient with me. There wasn't anything except monthly bills and a collection agency SPV l.LLC and now a law suit threatening me that they are bringing me to court and have a judgement against me for the amount of XXXX.I hope that the PREFERRED DIAMOND CARD by XXXX be investigated along with SPV l.LLC and a reminder to XXXX XXXX ATTORNEY I did not receive a certified letter. The Lawsuit was lying on the cement step of a front step which i hardly noticed. No signature required of accepting, just a flat envelope on an entrance I never use.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-01-14
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
A purchase was made from XXXX on XX/XX/XXXX using my credit card, phone number, email, and billing address, but with a different shipping address. Total amount : {$840.00}. XXXX has already shipped. 

Another charge from XXXX XXXX on XX/XX/XXXX for {$740.00}. 

Reported both purchases to credit card company on XX/XX/XXXX. 

Investigation ongoing XX/XX/XXXX. Credit card company suggested I also open a case with the FTC. Trying to intercept package from XXXX to return to sender.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-07
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: Personal information incorrect

Complaint:
There is incorrect information on my credit report

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 2021-02-09
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AFNI is claiming that I owe them {$350.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
There are Inquiries that are reflecting on my credit report that I have not authorized.

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 2022-12-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

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 2022-04-19
Company: OneMain Finance Corporation
State: NV
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 spoke with a representative of this company and I was promised that the inquiries made on my credit reports would be removed from my credit reports from 2021. This company never honored their word and removed the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: CA
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:
XXXX, Equifax, and XXXX Credit Bureaus are violating my rights as a consumer. In accordance with the Fair Credit Reporting Act, the list of accounts below are in violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX Account XXXX XXXX Account # : XXXX XXXX Account # : XXXX The above-mentioned accounts have all 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. section ( a ) ( 5 ) states : ( a ) Information excluded from consumer reports ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: FIRST NATIONAL BANK OF OMAHA
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried to send money to my mom in XXXX using XXXX. I accidentally connected my FNBO direct account to the XXXX XXXX account on the FNBO XXXX  website. FNBO directly held my account and told me to reach out to the company. I did call 5 times. The customer care agents just emailed the Fraud department requesting the information and reaching out to me for more information. but no one contacted me. I finally talked to a customer care agent named XXXX who reached out to the Fraud department. he said the investigation would take 1-2 months and I have no access to my money in the accounts. The process of investigation is not able to disclose and I will receive a check after the investigation. I did not know if this was a typical procedure to hold my money for XXXX months for just the simple mistake I made on the website. I would like to ask if you tell FNBO direct to speed up the investigation.

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 2022-12-28
Company: Experian Information Solutions Inc.
State: VA
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:
There are Inquiries that are reflecting on my credit report that I have not authorized.

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 2022-12-14
Company: National Credit Systems,Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX ; National Credit Systems reported to XXXX a debt from XXXX XXXX of {$1600.00}. 
I disputed with XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) about the validity of the debt. XXXX only listened to the National Credit Systems and repeatedly sided with them stated, the debt was verified as valid. 
XX/XX/XXXX, I filed a complaint with Magistrate Court of XXXX XXXX and the debt was reduced to {$230.00}. This debt was paid on XX/XX/XXXX. 
This debt is still posted on my credit file.

Company response to consumer: Closed with explanation