BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite my repeated efforts to rectify this situation, it has become painfully evident that your organization either lacks the ability or the will to correct this glaring issue. 
I initially brought to your attention the existence of fraudulent accounts associated with my name and social security number. Since then, I have submitted multiple dispute letters, along with all the required documentation, including a copy of my driver 's license, an identity theft report filed, and any other evidence I could muster to prove my case. To my astonishment, my pleas for assistance have fallen on deaf ears, and the fraudulent accounts persist with impunity. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .... 
This ongoing debacle has wreaked havoc on my life, making it virtually impossible for me to secure credit, obtain reasonable interest rates, or pursue my financial goals. I am forced to question whether your agency is more interested in protecting fraudulent creditors than it is in upholding the Fair Credit Reporting Act and the rights of consumers.

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 2023-09-18
Company: National Credit Systems,Inc.
State: OK
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX I emailed them this. XXXX " I called to pay like always but was informed you will no longer take a full year up front. With that new policy and not being able to come to XXXX these last years we decided to just move our stuff out. I am in Oklahoma so I needed to find a family member to move my stuff for me. XXXX XX/XX/XXXX he called and said they were headed down tomorrow. On XX/XX/XXXX he cleaned out the unit, on XX/XX/XXXX I turned in the 30 days notice and then tried to pay a little later. I don't not remember what day but it was early in the month. I couldn't get anyone to take payment over the phone, they said they couldn't do it although that's how I paid for years. So I went online to pay and it said my account balance was XXXX. I thought they ran the card that had been on file. Then I get a letter in the mail from a collection agency saying I owe XXXX. I called and couldn't get through so I found a chat option that your company uses through XXXX. I have the old manager admitting that I did turn in notice on XX/XX/XXXX. I saved the entire chat if you'd like to see it. 

I don't understand any of this. 

In XXXX, I tried to pay the full year in advance. 
XX/XX/XXXX my cousin comes to move my stuff out and I fill out the 30 day notice online. 
Few days later I went to pay but it said I owe XXXX. 
I get a letter in the mail later that is dated XX/XX/XXXX from a collection agency saying I owe XXXX. 
I have been trying to resolve this issue ever since. 
I didn't even get 30 days from the XX/XX/XXXX before somebody turned me over to collections '' If I no longer had an account like they claim when I was turned over to National Credit Systems how was I able to log into the system with my account number and unit # and have the system tell me I had a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: NJ
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TransUnion Credit Reporting Agency, & XXXX XXXX XXXX XXXX is in violation of 15 U.S. Code 1666b. They did not notify me 21 days before my payment date on any of the four accounts they reported late payments on.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure tha
t each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 



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 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 2023-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On XX/XX/XXXX, I reached out to the capital one credit card customer service line to request a payment extension from the billing due date of XX/XX/XXXX to XX/XX/XXXX based upon my pay day is XX/XX/XXXX. When speaking with the first representative she advised that the request was declined and they do not offer payment extensions and they would not waive any late fees if fees incurred. I requested to speak with a supervisor. 

When speaking with the supervisor, i explained the situation and i was informed by the supervisor that if my payment was recieved on XX/XX/XXXX, there were no guarentees late fees could be waived. The supervisor wanted to transfer me again to another department to discuss waiving my fees along with amending my payment due dates. Prior to making a decision I requested for the supervisor to recap my concerns that was supposed to be noted to my account. The supervisor failed to recap the most important reason for my call is the payment extension of two days. I told the supervisor " I was now uncomfortable with this conversation because the purpose of my call was missed during the recap, and I need to begin recording this conversation. '' The supervisor told me I can not record our conversation as she does not give me permission to record and I asked the supervisor ( paraphrasing ) " why is she declining me recording her, well I decline her recording me during this call. ( Please be advised, I never recorded the supervisor ) The supervisor then says " I have warned you not to record me, you do whatever you got ta due. I am disconnecting this call. '' I advised the supervisor I will be filing a formal complaint with CFPB and she hung up on me. 

I have been a customer of Capital One since XX/XX/XXXX ( 5 years ) I have gone from having credit card being hacked, to late payments years ago. The purpose of my call was not to pay my bill at all, but to pay it 2 days later without incurring a penalty. 

The treatment I received during this call was uncalled for and disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
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 information incorrect

Complaint:
American Express incorrectly decreased my credit limit from {$10000.00} to {$9400.00}, I supplied my XXXX showing income of {$160000.00} in 2017. They increased my limits back to {$10000.00}. BUT XXXX  only acknowledging the decrease which in turn caused all other credit bureaus to report decreases, now my score is XXXX, I have no late payments to AMX and in being punished in my scores for their errors. XXXX is impossible to contact and im Really angry they are reporting inaccurate information. Their records do not show my incomes, so their ratios are wrong and Im a consumer that never just makes a minimum payment I have aged accounts and Im so upset they can just create their own version of the truth and I cant get them to even acknowledge their fraud much less correct. Im hoping I can report to XXXX  and OIG. Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
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: Account information incorrect

Complaint:
I HAVE SEND IT PAPER WORK AFTER PAPER WORK AND THEY WONT REMOVE THESE ACCOUNTS OR INQUIRES OFF MY REPORT THESE ITEMS ARE NOT MINE I HAVE BEEN A VICTUM OF MAJOR ID THEFT ... PLEASE HELP ME GET THESE ITEMS OFF MY 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 2023-09-18
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Notice to principal in Notice To Agent and Notice to Agent is Notice to Principal Account Name : National Credit Systems Account XXXX Notice to Dispute Debt I dispute and debt your company claim to have on me. 
You must stop all collection activities. My demands are : For you provide me with the audit trail : Account File Ledger All accounting documents The transactional history Please be sure to provide everything demanded in this letter. IF you are unable to provide the demanded information you must delete this account immediately. 

If your fail to communicate to the consumer reporting agencies that this debt is in DISPUTE, that would be a violation Pursuant 15 usc 1692e8 False or misleading.

This law is very clear as to the Civil liability and the remedy available to me, according to 15 usc 1692k. Furthermore, failure to honor this requested DEMAND will lead to fully intend on pursing litigation in this matter suing your company for actual damages sustained. 
Please be aware that freezing this account is not an update to my credit report. 

Thank you for giving this letter your prompted attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Section 604 ( a ) ( 2 ) allows CRAs to furnish consumer reports in accord with the written instructions of the consumer to whom it relates. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Company responded STATUS Company responded on XX/XX/2023 RESPONSE TYPE Closed with explanation Company 's Response Due to this dispute, we have removed this account from the consumer 's credit report. The account is still open in our office. The consumer is free to contact our office to discuss what they believe is incorrect about this balance/account. 

Feedback provided STATUS Feedback provided on XX/XX/2023 Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS This is still reporting on my credit report under XXXX XXXX XXXX I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS This is still appearing on credit report. Please delete from credit profile THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS Did not delete from credit report What happens now? 


Company agreed to delete still showing on my credit report has been over 14 days Still reporting on TransUnion under XXXX XXXX XXXX Last reported XXXX XXXX, 2023 XXXX XXXX XXXX  Last reported XXXX XXXX, 2023 XXXX XXXX XXXX Last reported XXXX XXXX, 2023

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 2023-05-01
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
in 2021 recorded assignments after 10 years. 

communicating with me trying to collect without owning the debt after 10 years of original lender assignments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I would like to submit a complaint regarding Transunion. It has been well over 30 days and Transunion never investigated and did not send me results of the accounts and inaccurate information I disputed on my Transunion credit report. I mailed a written dispute to Transunion on or about  XXXX / XXXX / 2016 . I disputed several inaccurate, erroneous and unknown accounts reporting on my Transunion credit report/file and requested an investigation by Transunion. The following information and accounts were disputed and investigation requested ;  XXXX  #  XXXX ,   XXXX    XXXX   XXXX  #  XXXX ,   XXXX   XXXX   XXXX    XXXX , and   XXXX    XXXX  #  XXXX .       It is well settled, per the Fair Debt Collection Practices Act that credit reporting agencies/bureaus have  XXXX  to review and respond to consumer disputes, if this provision is not met in a timely manner, the credit reporting agency must delete the accounts and/information that was disputed by the consumer. Transunion has continued to report the aforementioned disputed accounts and/or information without responding to my disputes and request for investigation regarding the inaccurate and erroneous accounts and/or information. I have made Transunion aware that some of the accounts their company is reporting on my credit report have inaccurate and erroneous amounts owed and/or financed, open and close dates are incorrect, dates of delinquency are incorrect, a number of accounts are obsolete and time-barred and some of the accounts I am no longer liable for.

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 2023-09-18
Company: WELLS FARGO & COMPANY
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have filed two bankruptcy cases in the last 7 years. In the first one, my Wells Fargo mortgage was included. That one was dismissed. In the second one, my Wells Fargo mortgage was NOT included and the court has allowed me to pay the mortgage OUTSIDE of the bankruptcy. 

I have made MULTIPLE requests for Wells Fargo to continue CORRECTLY reporting my monthly payments. For THREE YEARS, they kept reporting inaccurate information and had made credit report look like I was up to three years behind on payment. THIS TANKED MY CREDIT SCORE!!! 

I have made several complaints to the CRAs and they have had me to send in my current bills to show that I was indeed current. So, the CRAs removed the inaccurate reporting. But, Wells Fargo is REFUSING to correctly report my current mortgage payments. 

Right now, they are the ONLY company that is NOT reporting accurately, and they are not even part of the bankruptcy!!!

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 2023-04-30
Company: Experian Information Solutions 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:
A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Section 604 ( a ) ( 2 ) allows CRAs to furnish consumer reports in accord with the written instructions of the consumer to whom it relates. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Company responded STATUS Company responded on XX/XX/2023 RESPONSE TYPE Closed with explanation Company 's Response Due to this dispute, we have removed this account from the consumer 's credit report. The account is still open in our office. The consumer is free to contact our office to discuss what they believe is incorrect about this balance/account. 

Feedback provided STATUS Feedback provided on XX/XX/2023 Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS This is still reporting on my credit report under XXXX XXXX XXXX I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS This is still appearing on credit report. Please delete from credit profile THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS Did not delete from credit report What happens now? 


Company agreed to delete still showing on my credit report has been over 14 days Still reporting on XXXX under XXXX XXXX XXXX  Last reported XXXX XXXX, 2023 XXXX XXXX XXXX  Last reported XXXX XXXX, 2023 Experian XXXX XXXX  Last reported XXXX XXXX, 2023

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 2023-09-18
Company: Maximus Education, LLC dba Aidvantage
State: NY
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 requested to pay via the new SAVE plan. Aidvantage is not following through on approval of my application. 

They sent me notice that they removed me from IDR for some reason. I am still trying to figure that one out. I did not request to leave IDR. I requested to sign up for SAVE. 

They charged my old payment amount to me in XXXX of XXXX, which I paid. 

I applied for SAVE on studentloans.gov and the application page says it has been approved by my servicer for just shy of {$510.00} per month, not the {$710.00} they charged me. 

In addition to this, they do not show any balance for the next month 's payment. Their website explains that this is due to the fact that I'm signed up for autopay. There is nowhere else on the website where I am able to view payment amounts due. 

I am trying to get a mortgage and need proof of the lower amount, which Aidvantage never sent to me. 

They never sent me the notice of the reduced payment amount, even though DoE is telling me they've approved it and should send me a notice. They still have {$710.00} autopay amount. 

I am attaching the notices which I did receive, along with screenshots from the official student aid website.

Company response to consumer: Closed with explanation