BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-03
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 Acct # XXXX has violated my rights. 

15 USC 1681 Section 602A states I have the right to privacy.

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.1681 15 USC 1681i section 611 ( a ) ( 5 ) states that the reinsertion of Previously Deleted Material if they don't notify me of the reinsertion within 5 business days is not legal. The documented reinsertion violations without 5 days notice is listed as follows ; XXXX XXXX XXXX who identified himself as a Dispute Supervisor deleted 30 day late with confirmation # XXXX. A second deletion after reinsertion was stated to be completed on XX/XX/22 with XXXX XXXX ID XXXX at XXXX as well. 

Transunion XXXX XXXX who identified himself as a dispute Supervisor stated on the call XX/XX/22 at XXXX am that the 30 day late was being removed. XXXX referenced file # XXXX as documented proof of the 30 day late deletion

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 2022-10-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I saw a car loan from XXXX, and it is charged off, which is not my account, but it is stays on my credit report for long time. 
I call Experian today ( XX/XX/2022 ) ask them to remove that from my credit report, they told me I have to come to FTC.GOV to file a claim, then submit a document to their website. So they can help me remove that fraud.

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 2022-11-20
Company: LEXISNEXIS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
4th attempt to remove illegal information This complaint is for Lexis Nexis. Everytime I send them a letter in the mail they claim my " identity can not be authenticated ''. No matter how many documents I send them such as copy of my drivers licence and social security card, copy of my current lease, and copy of utility bill which should have been more than enough information to authenticate my identity. So my next step was calling them. When i got a representative from lexis nexis on the phone I informed him that i wanted this bankruptcy removed from my consumer reports because I never gave them or any other company permission to put information on my consumer reports.He told me XXXX sends them this information. Which we all know is a lie. I have contacted XXXX and I have contacted The Bankruptcy Courts and both have informed me that they do not report to credit bureaus and is not responsible for verifying or validating information to credit files. So by you going out and fishing for information you have caused me and my family great hardship. I would also like to add that by lexis nexis going out obtaining my information illegally you have broken the law. 
1. My right to privacy. Lexis Nexis has infringed on my right to privacy pursuant to 15USC 1681 ( a ) ( 4 ) 2. I never gave Lexis Nexis permission to put any information on my consumer report. You need " Permissable Purpose '' pursuant to 15 USC 1681b ( a ) ( 2 ) No permissable purpose/No written instruction. Please remove this bankruptcy from all of your files immediately. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit reports that were not open by me. This has been hurting me and I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: Freedom Mortgage Company
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Freedom mortgage company purchased my loan but didn't attach XXXX exempt form to the loan causing my loan to be reported XXXX month behind on my credit report decrease my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: FL
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 notice there is a violation of my consumer rights 15 USC 1681a which states that transaction and experiences between the consumer and the person that's making the report are Excluded. I am also being violated under 15 USE 1666B which also states a creditor can not report a payment as Late unless there were a statement sent within 21 days of my payment, which this is a billing error. The third violation I notice was 15 USC 1681b I never gave written permission to report anything to my consumer report. FCRA says that there is to be Maximum accuracy in a consumer report according to 1681e ( b ) which I don't find to be in this case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: U.S. BANCORP
State: IL
Product: Credit 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:
The last time I used my credit card was to a company called XXXX, on XX/XX/2023, for a specialty shampoo for my XXXX XXXX XXXX mother who I caretake. 

Someone in XXXX XXXX got ahold of my credit card number and charged almost {$700.00} worth of goods and services over a three day period in XX/XX/2023. All of these charges came with foreign transaction fees. One was for sports direct. My XXXX XXXX XXXX mom pays our cable bill. We would never charge sports direct ( were not even sure what it is but we dont have that channel ) and dont live in XXXX XXXX XXXX Further. XXXX was charged!!!! According to the credit card company, I mustve charged all these things online. XXXX!? Another appears to be for XXXX ( XXXX  XXXX XXXX ). Really? How on earth did I do that?!?!? Ive NEVER been to XXXX, nor has my mother. And all the other charges were made at the same time as these two charges! 

I will try to attach copies of my statement. I made zero charges in XXXX and have cancelled the card. Please help. I dont have a job beyond caregiving for my mother and cant afford to pay charges that are not mine as theyve obviously been made by the person enjoying their XXXX and XXXX XXXX 

Thanks for your help.

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 monetary relief
Consumer complaint received 2023-07-13
Company: SANTANDER HOLDINGS USA, INC.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Every so often I get phone calls about an auto loan I have had with Santander Consumer and that I owe the company the remaining balance for a default loan that went into repossession. I have reached out in the past to Santander as well as today as far as this and they stated then as well as now that the account was closed and sold off to a 3rd party. I went to court in 2016 in regards to the past due balance and currently making payments still with the same company so I am unsure as to why I am getting these calls still but I have been getting these calls every few years since 2016 and this being processed in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5700.00} ; XXXX XXXX XXXX Balance Owed : {$6200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, 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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$780.00} ; XXXX XXXX Bankruptcy Reference # XXXX Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: Kramer & Frank, P.C.
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XX/XX/2016, I received a letter from Kramer and Frank that states I owe {$100.00} to XXXX XXXX XXXX. I have not received a bill for this amount from XXXX XXXX XXXX, and they have not attempted to contact me about the amount owed. 

I have no problem paying the amount owed, but Kramer and Frank needs to send me an itemized bill of medical charges. Simply stating I owe {$100.00} to XXXX XXXX XXXX is n't enough to demonstrate that I owe this debt. Furthermore, I have attempted to match the unpaid amount to my XXXX XXXX XXXX XXXX XXXX claims, and there are no matching dollar amounts. In addition, once they have provided an itemized bill, proving I owe the amount stated in the letter, I am willing to pay the amount under the condition that they completely remove the collection item from my credit bureau reports, specifically because XXXX XXXX XXXX has not sent me a bill for this amount prior to placing the account for collection with Kramer and Frank. 

Thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-20
Company: U.S. BANCORP
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:
XXXX Compliance Verification and Dispute I hereby request that this account is electronically evaluated as to whether all data is mandatorily perfect and complete XXXX XXXX Formatted Reporting Standards was properly reported within the compliance standards set forth by the Fair Credit Reporting Act ( FCRA ). This includes the mandatorily perfect and complete XXXX XXXX Formatted Reporting Standards, the applicable requisites of the FCRA and the applicable requisites of the FDCPA, and or any other standard or regulation otherwise, be it mentioned or no. All data must follow the XXXX, Credit Reporting Agencies ( CRAs ) and XXXX XXXX XXXX XXXX ( ACDV ). 
The Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ) has been violated by the furnishing of such derogatory account. This account hinders my ability to apply for accounts that others can apply for which denies me the opportunity to obtain credit. 
As the consumer I am being harmed by the data furnisher ( DF ) and or the Credit Reporting Agency ( CRA ) for non- compliance reporting of items on my credit report. I request this item be removed. 
I request to be provided verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it you have on file for accounts listed below.

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 2023-12-15
Company: DISCOVER BANK
State: FL
Product: Credit 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 got scammed by a seller on XXXX  for XXXX. Discover Card gave me credit but then sided with the seller because all sales are final. The credit was revoked and I called Discover to explain further my point that I was scammed & that the seller suspended my account ( which should be suspicious on its own ), so I cant even reach out to them ... the item is defective, faulty and not as advertised ; a scam. Discover agent proceeded to tell me I had to get documentation that the company that scammed me would issue me a refund & then hung up on me. I got scammed and Discover Card will not cover me or even offer me decent customer service. Why would the company that scammed me and suspended the account I used to buy the item offer a refund for me? Why would I even need to reach out to Discover if the seller agreed to refund in the first place?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Submitting a complaint claim XXXX. Wells Fargo claims assistance Center In XX/XX/XXXX A check made out to XXXX XXXX XXXX was stolen, altered and cashed. [ See attachment check # XXXX }. 
I did not become aware of this theft until XX/XX/XXXX because I was out of state helping my daughter who had just given birth. 
I submitted a claim on XX/XX/XXXX It took a few stressful months for them to send me an affidavit and submit a claim On XX/XX/XXXX I received a letter from Wells Fargo saying I would hear from them in 90 to 120 days. Funds would either be returned to my account or I would receive a letter explaining the outcome. It has been 120 days, I have not heard from them. I reached out to them twice and was told that some one would call me back in 24 to 48 hours. In both instances they did not contact me [ See copy of Wells Fargo Letter } My husband and I are XXXX  and XXXX years of age and we have been long term responsible clients of Wells Fargo I am hoping that you can help me reclaim these funds.

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 monetary relief
Consumer complaint received 2023-08-25
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
On or about XXXX Nationstar transfer the service to Mr. Cooper. I have been requesting a loan modification on my loan and I really thought Mr. Cooper will give me a loan modification, everything they request from me I send it to them. I have Never denied to make my mortgage payments but they always decline my request even though I prove to then that I can make my payments. They are violating the Homeowner Bill of Rights that became a law XX/XX/XXXX, XXXX in XXXX XXXX gave a very predatory loan and discriminated me when I went to their office to get a loan for my house. I purchase a house for {>= $1,000,000} put 20 % as down payment, have excellent credit and I was making good money to qualified but instead of giving me just one loan, they give me TWO LOANS, INTEREST ONLY ADJUSTABLE RATE NOTE WITH A 6.25 % AND THE SECOND LOAN WAS HOME EQUITY CREDIT LINE INTEREST ONLY ADJUSTABLE AT 8.25 %, I was paying {$7200.00} dollars every month with out any XXXX going to the principal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXX XXXX XXXX {$1200.00} ; XXXX  XX/XX/XXXX ; Original Creditor : XXXX XXXX ) XXXX Balance : {$26000.00} ; XXXX XXXX Balance : {$4600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA 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 2021-05-14
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX i sent the first dispute about negative information being reported on my credit report. i noticed that my name has been spelled incorrectly and that I have seen some unverified accounts being reported on my account in error. Experian, XXXX  and XXXX stated that all of the information as been verified. How is that so if i continue to see that it has not been updated in the last reported and date last active? i have not received a response since XX/XX/XXXX. They have just ignored my disputes and i know under FCRA section 611 ( a ), the CRA must provide a investigation within 30 days. It has now been over 60 days and no response. I have enclosed a copy of my latest credit report which I highlighted all of the unverified, erroneous data that is being reported. I will be forced to seek litigation toward these companies if this situation has not been corrected. This is causing me lots of grief.

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 2023-12-16
Company: EdFinancial Services
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Edfinancial services is purposely making it difficult or impossible to enroll in automatic payments for XXXX loans. This is causing me to lose out on the 0.25 % interest rate deduction. 

I have attempted to enroll in autopay several times with Edfinancial. on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each time I receive an automated message with the text " Your request to enroll in auto pay has been received '' There is no reflection of pending or approved auto-pay status on my Edfinancial account. 

I contacted Edfinancial on XX/XX/XXXX asking about the status of the auto pay request submitted that same day. I also asked for clarification on their auto-pay policy, which states : " Your payments are generally drafted on your due date but if that date falls on a weekend or holiday, the payment will be deducted the next business day '' Asking if that would lead to late payments, and clarification as to whether or not payments would be deducted on the business day before the weekend or holiday to avoid late payments. 

I received a reply on XX/XX/XXXX which stated " Thank you for contacting Edfinancial Services. According to your account, an AutoPay request was submitted on XX/XX/XXXX. If you apply for AutoPay again, it will reset the process. Let us know if you have any other questions, and we will be more than happy to further assist you. '' With no answer to my question of the auto pay weekend/holiday policy.

I believe Edfinancial are intentionally delaying/denying autopay enrollment to not allow the 0.25 % interest rate deduction, and their auto-pay policy is designed to create late payments for the collection of late fees.

Company response to consumer: Untimely response