BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-10
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was on forbearance with my mortgage company XXXX sub-serviced by Loancare from XX/XX/XXXX to XX/XX/XXXX. I still made payments, only pushing out a few months until the next month. I was fully caught up XX/XX/XXXX and made extra principle payments. I knew that escrow could be a potential problem so I calculated sufficient funds each month. However, my loan servicer did not calculate correctly and my monthly payment began to fluctuate higher and higher each month. I called and talked with many agents, at least 20 times, and each time I was given different information. I asked specifically for the escrow department. I was given the run around and bounced around from department to department spending endless hours on the phone only to get to someone who acted like they did not understand the situation. On XX/XX/XXXX, I sent a detailed accounting spreadsheet of my escrow payments to XXXX Subserviced by LoanCare. I started at the beginning date of my loan XX/XX/XXXX with initial escrow payment at closing and charted all the way to my most current payment. My current balance is over {$6000.00}. XXXX Subserviced by LoanCare sent an annual escrow account statement dated XX/XX/XXXX with a balance of XXXX shortage and yet another increase to my monthly payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 my credit report showed an inquiry from XXXX XXXX ( XXXX & XXXX ). I am unaware of any contract with this company & there has been no permissible purpose for this inquiry made clear to me. I am requesting full validation such as, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this inquiry accordingly & the remedy to the damages thereof.

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 2023-08-23
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I've been calling Nelnet for about 4 weeks now and have sent XXXX emails during that time. I've sat on hold for hours and hours and hours. No one picks up and the call often gets disconnected after a few hours. I've tried obtaining answers via their website but the website does not address my concerns. Of the 3 e-mails I sent thru their online email system, I received one reply The reply was that my questions are better addressed via phone call and that they recommend I call rather send an email. This is INSANITY! 

I've done a bit of research and Nelnet has more complaints ( all similar to mine ) than any other student loan servicer at this time. I've seen many complaints on many social media platforms. I can not continue to take time away from my work and life to sit on hold. So instead my time is now spent researching who is appropriate to send a complaint to. I am at my wit 's end simply attempting to speak to someone. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2022-11-02
Company: Experian Information Solutions Inc.
State: PA
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 several unauthorized accounts opened fraudulently under my personal information please see attached documents

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 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
sent letters out to transunion, XXXX, and XXXX. on XX/XX/2022 and XX/XX/2022 still havent got a response back and it has been over 60 days. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of the letter. 

1. Validate Account XXXX XXXX Please remove it from my credit report. 

2. Validate Account XXXX Account Number : Please remove it from my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXXXXXX Account Number : Please remove it from my credit report. 

5. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

6.3. Validate Account 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 2022-05-29
Company: EQUIFAX, INC.
State: TX
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 actXXXX XXXX XXXX account # XXXX & 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Charge amount XXXX, XXXX XXXXXXXX XXXX charge amount XXXX, XXXX XXXX XXXX charge amount XXXXXXXX XXXX XXXX XXXX charge amount XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX charge amount XXXXXXXX XXXX XXXX XXXX charge XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States i have the right 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 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 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I've been calling contacting transunion about the error they made for my address that's reporting to my Transunion Credit report. Please remove XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX And change it to XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. As shown in pictures below from my XXXX and Transunion Credit reports.

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 2022-07-13
Company: EQUIFAX, 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:
The CFPB own report shows that the agencies only solve 2 % of the disputes it receives. and the question is, are the agencies unwilling or incapable of handling these issues? 

Under the fair credit reporting act, my right has been violated. 
I have a right to privacy based on the law and I did not give written permission that any of the mentioned creditors in the case to share any information. 


15 U.S. Code 1681i - Procedure in case of disputed accuracy Equifax had 30 days to investigate my mailed dispute. The dispute was mailed certified on XX/XX/22 and was received on XX/XX/22. I did not receive any response from Equifax. 

I have challenged factual inaccuracies and incomplete information on my file with Equifax. they did not respond in time according to the law. I have included tracks that they received the dispute. I have included the dispute itself. I have included a copy of a credit report to verify the inaccuracies. 

I also understand that Equifax will say that they do not compare their file to other XXXX but that is irrelevant when the consumer provides factual proof of reported inaccuracies. And the Credit reporting agency has an obligation to complete an investigation that is reasonable, that is according to 15 U.S. Code 1681i ( a ) 4 which states that the agency must consider and review all relevant information provided by the consumer. 

INcluded are the Full credit report to show factual inaccuracies, a copy of the original letter sent to Equifax that was received and proved by the attached certified mail receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: CA
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 reviewed a copy of my credit report and I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The disputed information is not related to any transaction made by me. 

The accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and FTC report. 

I am requesting for these accounts to be blocked and deleted from my credit report : XXXX. XXXX XXXX XXXX. XXXX  XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX. Account number- XXXX I am requesting for these inquiries be removed from my credit report : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XX/XX/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 2022-11-02
Company: EQUIFAX, INC.
State: IL
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 sent a letter on XX/XX/22 to Equifax to remove the erroneous account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Equifax is required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been a victim of identity theft /fraud I have report this over and over to XXXX XXXX and Bank or America and also XXXX XXXX I did not sign up for these cards. To save my credit score, I went on payment plans. I needed to move out of my home. I have an active DVRO against my ex wife. She likely signed up for these cards without my permission. I have reported this to all the credit card companies. I have reported Fraud through my XXXX account. These credit card companies call me repeatedly to a point of me having a break down. I can not afford the debt, and I did not sign up for these cards. I never gave approval. I never even held these cards in my hand. My court filings also state this. XXXX XXXX XXXX CA Case number XXXX XXXX XXXX XXXX XXXX XXXX I am demanding a copy of the application that was signed opening up this credit card. I want IP addresses, and proof from BOFA that I applied and wanted this credit card. I have never held it, used it, ever. This was opened by my ex wife without my permission! 

I demand proof that I opened this account, gave permission to open this account ( i did not ) and with a copy of the application with my signature. 


This is fraud committed by my ex wife. It does not matter if I lived under the same roof as her, I never gave permission to open any cards in my name! 

Please provide what I am asking 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 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent all of the credit bureaus letters about removing addresses and incorrect names and the still will not remove inaccurate 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 non-monetary relief
Consumer complaint received 2023-06-01
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 made multiple attempts to rectify this issue by reporting the fraudulent inquiries that appear on my consumer report. Your actions have caused me significant mental and financial distress, as you have issued an inquiry that is not associated with me and for which I bear no responsibility. This incident is a clear case of identity theft, and I am prepared to pursue legal action if my complaint is not addressed promptly and appropriately. These inaccurate and fraudulent entries on my consumer report have prevented me from fulfilling my dreams, such as purchasing a house and meeting my family 's needs.

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 2023-02-27
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: Personal information incorrect

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. XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX 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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take 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 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 2019-10-28
Company: CHARLES SCHWAB CORPORATION, THE
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I have a retirement account with Charles Schwab. I have been trying since XX/XX/2019 to activate my account after a move from XXXX to XXXX. I have continuously sent in documentation about my current address. I kept being told that it was approved and currently processing ( I have emails, dates, names and locations of service reps stating this ). As of XX/XX/2019, I called again and spoke with an individual from XXXX. This individual finally sent in an urgent request to active my account so that I may take a withdrawal for a home purchase I have been planning. I still do not have an active account however they continue to take fees from my account without processing my order since XX/XX/XXXX as well as possibly being unable to close on the home.

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 2020-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
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:
I have contacted Capital One Credit Card Serves and tried to get help with lower payments and to stop interest on my account until I get to a better place. XXXX XXXX were great and I have been on their program with 0 % interest and a lower payment since last year. I have been faithful and they have been decent. I have had several physical health challenges since XXXX of 2019 and as a result I had to down size on one of my occupations and finally stop it all together. I also had a sudden crisis XXXX of 2019-XX/XX/2019.with my home and contents that resulted in over 5,000.00 out of pocket ( credit cards ) expenses that were not covered by my home-owners insurance. To no avail Capital One will not work out anything with me except to waive a late fee. So, I have paid nothing, which seems to be the only alternative getting their attention and for lack of a better term, forcing them to work out a plan with me. I owe them XXXX I have expressed my desire twice to be accountable. I've expressed that I want to pay what I owe and that I am not looking to shun my obligation and it is like it falls completely on deaf ears. I am married, but, it is my responsability and my husband can not afford to pay this debt for me. I need fair treatment as I desire to give fair treatment to Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions 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:
XXXXXXXX XXXX  {$340.00} XXXX {$340.00XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$5400.00} THIS ACCOUNT WAS ADDED TO MY CREDIT REPORT .I WAS A VICTUM OF FRAUD AND HAVE NO KNOWLEDGE OF THESE ACCOUNTS. I NOTIFIED XXXX EXPERIAN AND XXXX WITH A IDENTITY THEFT REPORT TO LET THEM NO THESE WASN'T MY ACCOUNTS. I HAVE NOT HEARD ANYTHING BACK FROM THEM AND ALL ITEM ARE STILL ON MY CREDIT REPORT. CAN YOU PLEASE LOOK INTO THIS MATTER AND DELETE FROM 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 explanation
Consumer complaint received 2022-05-29
Company: Experian Information Solutions Inc.
State: AL
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, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpo
se

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 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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