BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent disputed to Transunion and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-11-08
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
To the Consumer Financial Protection Bureau, I am writing to submit a formal complaint regarding the inaccuracies in my student loan payment history. As of my last review, my student loan account shows an incorrect payment history, with outstanding payments when I am in pay-ahead status and do not owe any further payments. I kindly request that you investigate this matter and rectify the inaccuracies in my payment history. 

I would like to draw your attention to the fact that the Consumer Financial Protection Bureau ( CFPB ) has identified cases where borrowers ' monthly payment amounts, due dates, and payment plans have been inaccurately reported. In one specific case ( Fall 2022 ), CFPB found that inaccurate information resulted from a servicer 's failure to include current repayment schedules for hundreds of thousands of borrowers ' accounts. Furthermore, another servicer sent statements to over XXXX borrowers with incorrect information about their next due date and the date federal student loans were set to return to repayment. These findings by the CFPB highlight the importance of ensuring the accuracy of payment history and the potential negative consequences that can arise when such inaccuracies occur. 

For your reference, I have attached a document that provides clear and conclusive evidence of my payment history, clearly demonstrating that I am indeed in pay-ahead status. The document highlights the payments I have made, the dates on which they were received, and the subsequent reduction in my loan balance. I believe this evidence, along with the CFPB 's findings, will help you understand the discrepancy between my payment status and the information displayed on my account. 

My payment history shows a total pay-ahead status of {$2500.00} ( see attached ). I have outlined the payment dates in red ink for ease of following. I have totaled the amount of the payments on the last page as well, which matches the Timeline of payment history document I uploaded. Unfortunately, uploading these documents to MOHELA has not resulted in any resolution. 

I kindly request your immediate attention to this matter, as it is causing unnecessary stress and confusion for me. I trust that the attached document, combined with the information from CFPB 's findings, will shed light on the issue Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
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:
Accounts considered charged off/Collections. These accounts are still on my consumer report and should not be. Wrongfully garnished wages with XXXX XXXX XXXX and I want my money back. Was never given XXXX for any of these debts. I believe these companies are committing tax fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I took out a TD retail card for XXXXXXXX XXXX XXXXXXXX for {$4100.00} on XX/XX/XXXX. 

The account has the wrong mailing address and wrong last name. Furthermore, none of my 3 payments were processed. I was not informed of this by the company, instead I got a XXXX XXXX notice several months later in XXXX that my score decreased by XXXX points. I was also unaware that I had the following charges : - XX/XX/XXXXXXXX  I was charged {$29.00} late fee - XX/XX/XXXX I was charged {$40.00} late fee - XX/XX/XXXXXXXX  I was charged {$40.00} late fee Total : {$100.00} This is predatory and fraudulent because I did not receive any emails that the payments did not go through or that I had late fees. However, I received confirmation emails the 3 times I submitted payment that each payment was processed. Due to the credit company 's OWN error of having the wrong mailing address, I never received any paper notices that money was past due. I thought this whole time that I was in good standing, and not aware of the issues until AFTER the card services reported 2 missed payments. 

- XXXX, paid {$440.00} over the phone to bring my account to good standing so I could update my address. I was told they could reach out to the credit bureau to remove the false late payments. Customer service could not tell me why the payments were not processed, and blamed this on me. 
- XX/XX/XXXX, called to confirm the payment was processed, and was told my address was still incorrect, I owe more money, and that the company does not contact the credit bureaus. 

Prior to this I submitted payment : - XX/XX/XXXX {$1000.00}, email confirmed received XXXX, {$800.00}, email confirmed received XXXX, {$1000.00}, email confirmed received Total : {$2800.00} I am requesting that all late fees be reimbursed, that the 2 late payments be permanently removed from my credit report, and that my credit score be adjusted to what it was prior to those 2 marks. 

I have never missed a payment in over 7 years, this is the first incident, and it is not even my fault. My highest score in XXXX was XXXX before all this. I appreciate your understanding and help to resolve this dispute and reinstate my correct credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-06
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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-04-21
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Debit card information was used on XX/XX/2023 at a XXXX XXXX and three unauthorized transactions took place totaling {$250.00}. A fourth charge was attempted on XX/XX/2023 but was flagged as fraud by the banking company. I was immediately notified of the fraud attempt and called the bank fraud line and spoke to one of their representatives. It was during this time the other unauthorized charges were discovered. My card was canceled at this point as well. On XX/XX/2023 when the charges were posted to my account, I disputed the transactions as requested by the banks representative.

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 2023-04-21
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: Was not notified of investigation status or results

Complaint:
I sent letters to Equifax regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: DE
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

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 2018-06-05
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I had a promise to pay credit acceptance XXXX for my car XXXX XXXX XXXX. On XX/XX/XXXX I paid XXXX on XX/XX/XXXX I paid XXXX and on XX/XX/XXXX since the website would not let me make a payment on the XXXX I paid XXXX have my car not paid in full. Well on XX/XX/XXXX I was about to go pick my son up and my car was gone! My car had been repoed. So I called credit acceptance and asked had they repoed my car cuz I paid my Carnot they said they did not have a repo out on my car to call the metro police to see if my car had been repoed. Well I called the police to see and they said yes it has I'm wondering why since last week I paid my car note. So wen I had called credit acceptance back they said my car was repoed since I paid on the XXXX not the XXXX but why would u take my money if I was past the promise to pay date. They also said they could not do anything that I would have to pay XXXX to get my car back and I jus gave them XXXX the week before sucks

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 2023-12-13
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have an open account on my credit report that is not mine. I don't know what this credit card is and I did not open it. It is showing a balance higher than allowed number one and it is not mine. It is and has hurt my credit report because the payment is late. I have never received a bill from this company and I don't even know what this is?? 

XXXX is the name of the company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Chime Financial Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I called a Chime Bank to update my phone number to my account. I was scammed and bamboozled by the Representative, the person stole over {$800.00} from my Cheaking and Savings accounts. I did not authorize this transactions and now Chime Bank is refusing to send my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 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 2022-05-06
Company: EQUIFAX, INC.
State: DE
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: AMERISAVE MORTGAGE CORPORATION
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
EVERYTHING WAS GOING SMOOTHLY when I applied for a home loan through AmeriSave. The loan officer XXXX XXXX said that we qualify for X amount of loan and that FHA only looks at one year of income. So, we send our two years of tax returns and every document they asked us ( e.g., three months of bank statement, profit and loss, transaction history, etc. ). He stated that the " underwriters '' have examined our case and approved your loan. So, he sent us the preapproval and told us to shop for a house. 

After multiple attempts, we got lucky, found a house, and made a bid with a large amount of appraisal waiver and X amount of non-refundable earnest money. The seller accepted our offer ( although he had other offers with conventional loans ). We went under contract and started signing several documents. We paid the earnest money right away scheduled an inspection ( out of pocket ) and FHA appraisal. We informed our landlord and paid a fee to cancel the lease agreement, and the landlord started to look for other tenants. We told everyone the good news and started packing. Not to forget to mention that the FHA appraisal report required the deck to be repaired by the seller, and the seller magnanimously agreed to fix it immediately since he was also planning to move in less than two weeks. 

Then came THE PHONE CALL from our loan officer two weeks before the closing date. It was like a collision coming from nowhere. He mentioned that the " underwriters '' are saying that XXXX income is low and needs a co-signer. I was not sure how to respond. He specifically mentioned through a text message that we are only looking at XXXX income, which is why you are qualified for X amount of loan. Now, he is saying that FHA guidelines are to look for two years of income. I have included the text message to show that we were given false information and are not being unfair. Why wait until two weeks prior to closing to tell us that we need a co-signer? How did the FHA guidelines change within two weeks from 1-year income to two-year income? 

My wife and I are devastated. I am not sure who to blame but have decided to blame myself for trusting the loan officer ( XXXX XXXX XXXX and the underwriters ' work and judgment. We feel that AmeriSave has robbed us of our time, energy, and joy. We believe that we have been misled and given false hope and information. We are not the only ones suffering here. The seller and his family, both real estate agents, my family are all under emotional turbulence. Now, we have to beg people to co-sign for us or plead with the landlord to reconsider our lease, or we are homeless. What would you do in this scenario? What did we do wrong?

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is in relation to claim XXXX and a response also submitted on XX/XX/XXXX. Shellpoint continues to change the date of when they think a payment was missed. Their latest claim was the account has been delinquent since XX/XX/XXXX. Due to time needed to get old records from the bank, records were sent to them ( and attached here ) on XX/XX/XXXX illustrating payments made back to XX/XX/XXXX and no evidence of a missed payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. 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 non-monetary relief
Consumer complaint received 2023-06-28
Company: Synovus Bank
State: MO
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:
Accounts considered charged off/Collections. These accounts are still on my consumer report and should not be. Wrongfully garnished wages with XXXX XXXX XXXX and I want my money back. Was never given 1099-C for any of these debts. I believe these companies are committing tax fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: WELLS FARGO & COMPANY
State: AZ
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:
Wells Fargo insists on reporting information they know is false despite multiple requests. XXXX XXXX and XXXX report this knowingly false information despite multiple requests. Now Im ready to take legal action against all parties involved as the refusal to correct this literally asinine error has caused and continues to cause me significant harm.

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