BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Unfortunately, I could not choose multiple answers. Therefore, these are the problems listed below for the 1. XXXX increased my student loan payments from {$60000.00} to XXXX  XXXX with an initial repayment plan of {$200.00} a month but changed it to {$890.00} prior to the end of a forbearance which was not affordable, contained incorrect owed amount or feasible for a non-working individual that was directed into forbearance 2. Percentage rates quadrupled during the forbearance 3. There is no indication of the origination of the student loans.

4. The amount owed is extremely higher than it should be 5. There are charges for XXXX  College that should have been removed due to the school closing prior to earning a degree.

6. Multiple loans reports on the credit report that are not accurate 7. Their credit reporting practices have caused my credit score to plummet 100 points causing undue hardship to me and my family. 8. I am a XXXX  veteran that is requesting full forgiveness or discharge of all of the reported student debt.

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 2023-01-17
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is an ongoing issue that originated with XXXX after I closed an account in person. The account was not properly closed, which was a bank error resulting in charges to myself. I made relentless attempts to resolve this matter, and now the debt has been forwarded to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: EQUIFAX, 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 was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX US DEP ED Company Inquiries 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: PA
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:
I am writing to formally dispute accounts which has been reported by XXXXXXXX XXXX  and XXXX XXXX XXXX to consumer reporting agencies. This dispute is rooted in the evident violations of the following sections of the Fair Credit Reporting Act ( FCRA ), specifically, 15 USC 1681, 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), 15 USC 1681b ( a ) ( 2 ), and 15 USC 1681e ( b ). The FCRA, under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), expressly defines that a report containing information solely as to transactions or experiences between the consumer and the person making the report is to be excluded from the consumer report. Despite this unequivocal provision, it has come to my attention that the accounts has been reported in my consumer credit report by XXXX XXXX  and XXXX XXXX XXXX. Please view attached documents along with this compliant. Proper Identification is included and attached with this complaint also. I demand a prompt response and notification of the accounts being deleted across all consumer reporting agencies reporting this adverse information.

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 2023-07-22
Company: JPMORGAN CHASE & CO.
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased an extra firm mattress at XXXXXXXX XXXX  XXXX on XX/XX/XXXX, for {$1100.00} + taxes, fees, and delivery ; the mattress has a XXXX warranty for any manufacturing defects as it states on their return policy. I tried to start my refund process yesterday, XX/XX/XXXXXXXX XXXX XXXX XXXX, through their online customer service. 

I explained in detail that the mattress has a manufacturing issue and it keeps sinking. The representative asked for a picture of the problem. I explained that you can not observe the mattress sinking unless someone is lying down on it. He then responded that as per XXXXXXXX XXXX XXXXXXXX XXXX XXXX, the damage must be " visible '' for them to accept the return. 

However, on the purchase receipt on their website, there is no written statement that there has to be " VISIBLE '' damage for the product to be returned ; it ONLY states that there needs to be a manufacturing defect. The mattress was supposed to be EXTRA FIRM and it should not be sinking. In addition, I asked the representative to show me where in the policy it was written that there needs to be " visible damage '' and he said there was NOTHING that he can show me stating that there needs to be " visible damage '' but that it was company policy and there was nothing else that he could do. 

I tried to file a dispute online through my bank but it doesn't give me the option to report a problem maybe because it's from last year. 

The bottom line, the main problem here is that they are alleging that the policy states that the issue with the product must be visible. Ive attached a copy of the receipt which includes the policy, you can see that there is no mention of visible damage. Lastly, the manufacturer issue is UNBEARABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan with XXXX XXXX XXXX. 
The first loan I was able to repay they then refused to close my account. Later they raised my credit amount. I needed some extra money for a personal emergency and went back to take out a loan that I could repay in one or two months. Unfortunately I lost my job in this time and informed them that I would not be able to repay the loan as quickly as I had planed. After one missed payment the intrest on the loan was one thouand more than the actual loan amount. I released that repayment would be impossible and requested they close the account and put my loan into collections so I could make the payment back. They refused to close the account and after informing them that I could not repay the loan they told me that not only would they not close the loan but would continue to charge me interest even with no payments being made. I have no idea how much they will try and charge me before they actually send this to a debt collection or court. I am in need of help with this company. I also requested that they do not automatically withdrawal from my account and they did so anyway. they told me it was for convenience but it caused an overdraft on my account. I have now asked them to stop two times and now also another in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: NJ
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : 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 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 explanation
Consumer complaint received 2023-05-03
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XX/XX/XXXX at XXXX I received a call from someone posing as Wells Fargo fraud , they state they detected fraudulent charges they were concerned about and then procede to help close debit card and open new debit card, they receive acount details and order new card XXXX XX/XX/XXXX they add new card to XXXX XXXX, with proof that it wasn't from my phone or number -XXXX  XXXX fraudulent transactions made to " XXXX XXXX '' 1 in the amount of {$10.00} and the second XXXX and supposedly declined according to Wells Fargo email, receive email notifying me card is being shipped ( same card used to make transactions, vendor says card and chip were present how when its just now being shipped? ) -XXXX  XXXX charge is noticed and claim is made, changed account numbers and cards Attached photos show XXXX XXXX and mobile account links with Wells Fargo come from phone that isn't mine Show the initial call from fraudsters either working in or using Wells Fargo cust service number Show card being shipped the day after it was supposedly used to make transaction, according to Wells Fargo investigation that's what the merchant said card was present, clearly XXXX XXXX was used

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 2022-11-13
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: Their investigation did not fix an error on your report

Complaint:
I have filed multiple disputes with this company by the name of XXXX XXXX with the credit bureaus ( TRANSUNION, AND XXXX ) and which all of them were deemed as verified, and in my disputes, I have asked them multiple times to provide me with original documentation with original signatures that the debt is owed by me. The Credit Bureau have been unable to provide this information every single time, but still deeming this account as verified come back as verified this leaves me, without providing me the proper documentation I have asked for which is the law. This makes me believe the investigation was improper and incomplete.

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 2022-12-01
Company: LendKey Technologies, Inc.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This complaint is a separate issue from my complaint filed on XX/XX/XXXX Complaint # XXXX I consolidated my federal student loan with LendKey on XX/XX/XXXX. During that time, my loan servicer was XXXX. I owed an amount of {$210000.00} to pay this loan in full. During the period of consolidation, Lendkey provided a payment amount of {$220000.00} to complete my private loan consolidation. This amount is {$5300.00}, over the amount required to pay off my federal student loan. When I asked Lendkey why they submitted the payment at a higher amount. I was told by LendKey customer service support that the additional fund was to ensure that any accrued interest was paid off.

1. My first concern is that all interest and payments on student loans are paused thru XX/XX/XXXX. Therefore there was no need for Lendkey to make this overpayment amount of {$5300.00}.

COVID-19 Loan Payment Pause and 0 % Interest In response to the COVID-19 emergency, we paused loan payments and set interest rates to 0 % for eligible federal student loans. On this page, you can find out if your loans are eligible and how this relief affects your loans. 

Student Loan Payment Pause Extended The student loan payment pause is extended until the U.S. Department of Education is permitted to implement the debt relief program, or the litigation is resolved. Payments will restart 60 days later. If the debt relief program has not been implemented and the litigation has not been resolved by XX/XX/XXXX payments will resume 60 days after that. We will notify borrowers before payments restart. 

COVID-19 Emergency Relief and XXXX XXXX XXXX XXXX. The additional {$5300.00} was applied directly to the principal balance ; no funds were transferred to me to fund the loan consolidation for the overpayment. 

3. I applied for forbearance in which {$530000.00} overpayment funds were not credited as ( 3 ) payments to my new consolidation loan payment, for which my standard payment amount is {$1700.00}.

4. Lendkey refused to approve my forbearance application because they stated I must make a minimum of 6 payments, in which I was not given credit for the {$5600.00} amount, which would equate to ( XXXX ) standard payments plus the payments I made on the account for the following months of XXXX, XXXX, XXXX, XXXX, and XXXX. 

5. Lendkey essentially added {$5300.00} to my loan consolidation and did not provide me payment credit for the amount applied to the principal balance in which there was no additional accused interest because all Federal Student loan payments and interest are suspended thru XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Experian Information Solutions Inc.
State: AR
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 be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I believe that this account ( s ) is invalid or contains incorrect information. Please validate this account ( s ) in its entirety or remove this entry from my credit report immediately. Thank you. 

XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2022-01-23
Company: Dovenmuehle Mortgage, 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: Account status incorrect

Complaint:
Hi. 

We have confirmed our mortgage is owned by XXXX XXXX and was eligible for Covid-19 forbearance program starting XX/XX/2020 via the CARES Act. Per the CARES Act, all eligible mortgages were granted a maximum 18 month forbearance. 

On XX/XX/2020 we contacted our previous mortgage servicer ( Dovenmuehle Mortgage, Inc. ) about covid-19 forbearance. They gave us the run around from the start ( threating us with foreclosure ), but eventually transferred our mortgage service to XXXXXXXX XXXX in XX/XX/2020. 

Meanwhile, since we had a legally standing maximum forbearance of 18 months per the CARES Act, all servicers were prohibited from reporting any negative adverse actions to any credit agencies during this period. 

Recently we went to obtain our credit reports and Dovenmuehle reported our payment status as 120 days delinquent on XX/XX/2020 ; which greatly affected our FICO scores. 

How do we remedy this since they are no longer the servicer of our mortgage? 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 a TransUnion employee that I need to submit a FTC report along with my statement and I.D . Please see the items that are attached to this complaint. Thank 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 2023-02-13
Company: EQUIFAX, INC.
State: TN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX # XXXX XXXX XXXX # 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 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 response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
my credit has been combined with my cousins who has the same name as me for some time now. I found out about this when I tried to refinance my home. at this time my credit was not locked and we were able to get thing resolved. I went to purchase a vehicle two months ago and the finance department says my credit is now locked. So now not only is my credit combined with my cousins but it is locked as well. I tried many times and wasted many hours on the phone with transunion. I even went as far as contacting a lawyer, he suggested sending a certified letter to transunion which I did more then 30 days ago I still have not heard anything. Anything you could do to help me would be greatly appreciated. Its frustrating right now because I can not apply for any type of credit at all.

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 2019-01-09
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
My Experian credit file has been repeatedly unlocked since the first of XXXX. I have repeatedly contacted idnotify-experian and my former credit monitoring service through Experian. All to no avail. Yet again this morning the credit file was unlocked. 

XXXX XXXX XXXX ssn last four XXXX phone 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