BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Account has been paid and closed, paid before terms. 

XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Balance - Updated on XX/XX/2019 2019

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 2022-01-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Formal Complaint On XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Chex Systems and XXXX XXXX XXXX ) These Companies are Running A Sort of Underground Blacklisting Subsystem Database & Reporting What Is Sometimes False Information To Some Banks That Try And Use These Services Outside The Scope of Fico scoring or the three empirically derived credit reporting agencies. For Example, If A Person Received A Check in the mail, cashier or legitimate compensation of any sort, they deposit the check into their bank, it may fail to clear for any unknown reason, after three days or so, even if no money was drawn, accessed or spent from the bounced check, some banks are reporting that a check bounced to these blacklisting subsystem databases, therefore completely blocking or blacklisting an innocent person 's ability to open any new bank accounts at any bank that looks at these, aside from regular normal credit agency scores, In Addition, when Phoning in or Contacting These XXXX XXXX and trying to dispute or clear these types of blacklisting from an individual 's account, They are Beligerent and Won't Remove, Clear or Provide a way to clear those databases, They Refuse to Clear Erroneous or Frivolous Complaints, it should be deemed as illegal blacklisting! Those Subsystem Databases Should Be Forced To Halt Their Collecting of Personal Data, Social Security Numbers, and Information On People as well as Using It As A 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 explanation
Consumer complaint received 2022-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
inacocordance with the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under XXXX usc XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . 

XXXX u, XXXX XXXX section XXXX A. states i have rights to privacy. 

XXXX u, XXXX XXXX section XXXX A. section XXXX ; it also states a consumer reporting agency can not furnish a account with out my written instuctions. 

XXXX u, s.c XXXX ( a ) ( XXXX ) section states ; no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates to the report by more than seven years XXXX u, XXXX XXXX ( a ) ( XXXX ) 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 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 2022-06-05
Company: HYUNDAI CAPITAL AMERICA
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The Company XXXX XXXX XXXX whose address is XXXX XXXX XXXX XXXX XXXX, TN XXXX deposited a 1099-C for the amount of {$40000.00}. They assigned interest in the contract to KIA MOTORS FINANCE. On my credit report the company XXXX XXXX XXXX whose address XXXX XXXX XXXX XXXX XXXX, CA XXXX has been collecting already discharged debt. I need my account updated to reflect that all payments have been paid as agreed.

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 2022-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On or about XX/XX/21, I made a purchase in the amount of approximately {$4400.00} from XXXX XXXX. An associate suggested we open a XXXX XXXX credit card to get 10 % of the purchase back that could be applied to future purchases made on the card. 
I asked for clarification regarding whether there were any limits to how this could be applied, including whether we had to spend at XXXX XXXX or certain stores. I was told no, that we could apply this to any future purchases. 
This was apparently false. 
I called XXXX XXXX and they said the rewards can only be applied to spending with that or their related brands. Which is not what I signed up for ; I was specifically NOT interested in that, but only in an option where the 10 % back could be applied to ANY future purchases made on the card. 
Had I been given accurate information, Id have not opened the XXXX XXXX card, instead made the purchase on an existing card, and benefitted from my preferred awards. 
XXXX XXXX offered no resolution whatsoever, and has taken zero accountability for providing this false information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-30
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Every month regions takes money from my account for overdraft fees. I can't say how long it's been since I had access to my full paycheck.

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 2022-06-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I, XXXX XXXX, federally protected Consumer, have ordered my written instructions Cease and Desist pursuant to 15 U.S. Code 1692c ( c ). 

XXXXXXXX XXXX I demand you to remove all Negative Information according to federal law definition any form of default which is stated in my Cease and Desist. 

My Consumer Report shall be reporting 100 % positive and 100 % on time payments. 

If XXXX XXXX dishonor my Cease And Desist you shall be fined and imprisoned for not more than 20 Years or both pursuant to 18 USC 894 ( a ) ( 1 ) ( 2 ) as you are causing substantial harm to me and ruining my financial reputation for non repayment which validates you are extorting me by furnishing negative information and this is how XXXX XXXX shall be fined and imprisoned for 20 Years under title 18 U.S. Code 894 - Collection of extensions of credit by extortionate means.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unXXXX XXXXknown items. Please remove these fraudulent accounts from my report. Thank you.XXXX   XXXX {$1700.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$130.00}

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 2022-01-17
Company: AES/PHEAA
State: IA
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:
I graduated with approximately {$30000.00} worth of student loan debt in 2012. I was already working full-time as a XXXX  at the time so immediately tried to enroll in the PSFL program . Due to the fact that I made very little money as a XXXX, and I was eligible for the PSFL, I was enrolled in an income based repayment plan which stated I owed {$0.00}. Eventually, I made enough money not to qualify for this and to my shock, was also told that the payment plan I was in did not qualify for PSFL even though I was told that it did. Even though I owed {$0.00}, the interest on the loan was not forgiven so I essentially ended up owning more than I started with because of this repayment plan that was pitched to me as the savior and the easiest way for me to put in my 10 years of public safety and get my loans forgiven. Eventually I refinanced out of fed loan servicing into a private loan company because I was tired of being lied to and misled. Regardless of the repayment plan they put me on, every one except the standard 10 year repayment plan was structured to COST my more money than I was paying off. 

With the new PSFL rules in place, I feel like Fed Loan Servicing stripped me of the ability to have my loans forgiven, even though I have had 12 years of continuous public service and continue to do so. I had to make a choice between continuing to participate in a broken system that was never going to follow through with its promises or cut my loses and walk away. I don't know if there is any hope for help, but I feel like FedLoan Servicing acted intentionally and with malice in an effort to deceive me for monetary gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
1. I refinanced my old loan issued by Nationstar with a new loan from XXXX XXXX NA. The settlement of refinancing was done on XXXX XXXX, 2015 with a settlement company named XXXX XXXX XXXX XXXX ( " XXXX '' ). 

2. The new loan was issued by XXXX XXXX on XXXX XXXX, 2015 ( see Exhibit1 ). 

3. On XXXX XXXX, 2015, XXXX XXXX ( apparently using XXXX XXXX XXXX ' account ) wire transferred {$240000.00} through the XXXX XXXX ( which is XXXX ) to XXXX XXXX XXXX ( which is Nationstar 's bank ) as instructed in the payoff quotation issued by Nationstar on XXXX XXXX, 2015 ( see Exhibit 2 ). 

4. On XXXX XXXX, 2015, XXXX XXXX received a request for information from XXXX XXXX demanding information about me ( date of birth, place of birth, and so forth ) ( see Exhibit 2 ). On the same date, XXXX XXXX sent the requested information about me to XXXX XXXX Bank by email ( see Exhibit 2 and for the attachment to the email, see Exhibit 3 ). 

5. On XXXX XXXX, 2015, XXXX XXXX XXXX released the funds to Nationstar ( see Exhibit XXXX ). And on the same date, XXXX XXXX demanded Nationstar to pay off the old loan as of XXXX XXXX, 2015 since it was the date on which Nationstar 's bank received the payoff amount ( see Exhibit2 ). 

6. On XXXX XXXX, 2015, Nationstar told me that the wired fund was short of {$170.00} to pay off the old loan, and the loan was still pending and would keep accruing interest of {$39.00} a day ( see Exhibit 4 ). Nationstar explained to me that it did not apply the funds to pay off the old loan because the old pay-off quote was valid only until XXXX XXXX, 2015 ( see the Payoff Quote in Exhibit 2 ). 

7. On XXXX XXXX, 2015, Nationstar called me again and demanded additional interest amount of {$470.00} to pay off the old loan ( see Exhibit XXXX ). XXXX XXXX wire transferred the shortage amount to Nationstar 's bank ( XXXX XXXX XXXX ) ( see Exhibit 7 ) on the condition that I reimburse XXXX XXXX 's additional cost ( see Exhibit 6 ). On the same date, I sent out a check of {$470.00} to XXXX XXXX ( see Exhibit 8 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: DISCOVER BANK
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:
I, XXXX XXXX, federally protected Consumer, have ordered my written instructions Cease and Desist pursuant to 15 U.S. Code 1692c ( c ). 

Discover Bank I demand you to remove all Negative Information according to federal law definition any form of default which is stated in my Cease and Desist. 

My Consumer Report shall be reporting 100 % positive and 100 % on time payments. 

If Discover Bank dishonor my Cease And Desist you shall be fined and imprisoned for not more than 20 Years or both pursuant to 18 USC 894 ( a ) ( 1 ) ( 2 ) as you are causing substantial harm to me and ruining my financial reputation for non repayment which validates you are extorting me by furnishing negative information and this is how Discover Bank shall be fined and imprisoned for 20 Years under title 18 U.S. Code 894 - Collection of extensions of credit by extortionate means.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-17
Company: EQUIFAX, INC.
State: IL
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:
Both Equifax and XXXX  updated my credit report for the issue I previously reported with XXXX. Original issue was, XXXX added a statement 'affected by natural disaster ' ( COVID ) and then removed it causing a massive hit to my score. After the investigation, XXXX added the statement BACK to my report as well as 'Current '. 

Outstanding Issue : My credit score never went back up from that massive deduction on either reporting agency report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: Experian Information Solutions Inc.
State: SC
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:
The following accounts are not reporting properly on my credit report. Due to the inaccuracies, this is a FCRA violation and these account should be deleted immediately. 
I previous requested for these account to be investigated on XX/XX/22 and XX/XX/22. 

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 explanation
Consumer complaint received 2015-05-13
Company: NATIONSTAR MORTGAGE LLC
State: WY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have repeatedly requested the mortgage be released on a mortgage with Nationstar Mortgage that was paid off XXXX XXXX, 2015. Repeated requests have also been made by the title company and the owners ( XXXX and XXXX XXXX ) of the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: EQUIFAX, 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:
15 u.s.c 1681 section 602 A. States I have right to privacy 15 u.s.c 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
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: 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 the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is a XXXX account on my personal consumer report that does not belong to 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 non-monetary relief
Consumer complaint received 2023-07-06
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!

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 2022-07-23
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have contacted the credit bureaus in regards to this incorrect reporting on several occasions. The incorrect reporting has cost me several financial opportunities due to the incorrect posting. I am asking that you assist me with clearing my credit reports of all the inaccurate reporting on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called Transunion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was an Account : XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Bank statement, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking this account is inadvertently resulting in me being extorted.

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