BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: NV
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX 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 2022-06-03
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
I didn't apply for a card in process of buying a 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 2016-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
There is a paid collection from 2012 that i had an agreement with creditor to remove after final payment which never happened i faxed copies to all XXXX credit bureaus, they all deleted this collection from my file, transunion was the only agency to re add the collection back on my file after the investigation and deletion further dropping my credit 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 non-monetary relief
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: NJ
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I believe I have been a victim of identity theft for the last few years. I have been in a relationship with someone who has been abusing my credit for their own personal needs. I recently reviewed a copy of my credit reports from all XXXX bureaus to find several unfamiliar and unauthorized accounts and inquiries. To be specific this account from XXXX XXXX XXXXXXXX XXXX was allegedly opened XX/XX/2021 and is reporting an overdue balance of XXXX and which I have no knowledge of this account being established. I have tried several times to contact all XXXX bureaus regarding this inaccurate information on my credit report. In addition to that, I have submitted several disputes to each bureau regarding this as well.Neither company has tried to contact me or to update any of the reported 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 2020-03-28
Company: AES/PHEAA
State: KS
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:
Said theyd implement 0 % interest on loans backdated to XX/XX/XXXX. It is XX/XX/XXXX and my loans are still accruing interest. I emailed them this week, havent heard anything. Many people have asked on their XXXX page about it but I still havent found information about when they will follow through on applying the 0 % interest. 

Both my former servicer and my friends servicer have already implemented 0 % so I dont see why FEDLOAN has not. Please make them implement this. Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: CA
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, I have a few accounts that have violated my rights. 

XXXX XXXX XX/XX/XXXX & XX/XX/XXXX LATE PAYMENT XXXX XXXX XX/XX/XXXX LATE PAYMENT XXXX XXXX XXXX XXXX XXXX & XX/XX/XXXX LATE PAYMENT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XX/XX/XXXX LATE PAYMENT XXXX XXXX XXXX ACCT XXXX XXXX & XXXX LATE PAYMENT XXXX XXXX XXXX XX/XX/XXXX LATE PAYMENT XXXX XXXX XX/XX/XXXX XXXX & XX/XX/XXXX LATE PAYMENT 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any 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 non-monetary relief
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I used XXXX to attempt to build credit. I purchased an item with their online store credit for a total of {$240.00}. When it arrived it wasn't what I expected but had issues returning it due to a damaged return label. I requested another one but had difficulty receiving it until after the 90-day return policy. During this time I made payments. The payments were returned to me and I spoke with them about this. I made the payment with a person on the line and she agreed it went through. The account said that. They still reported me 30 and 60 days late on my credit report. They didn't use the date I made the initial payments but rather the day that I corrected the issue. I would like them to remove the late 30 and 60 day reports from all three credit reporting agencies. This has caused a XXXX point drop in my credit score over something under {$250.00} and because of that my mortgage was denied according to my mortgage agent. I spoke with free legal advice experts at the Veterans Affairs who referred me to you. I have tried resolving the issue with the company and they can not give me timelines to fix the issue as I have a child on the way and I desperately require moving into a larger home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX XXXX this is the wrong name. 
XXXX XXXX XXXX XXXX XXXX XXXX LA, XXXX XXXX XXXX PL XXXX LA, XXXX XXXX XXXX XXXX XXXX LA, XXXX never lived at any of these addresses result of identity theft ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX the only familiar number is ( XXXX ) XXXXbbecause it is my old phone number but still needs to be removed the other XXXX are results of identity theft when I was under the age of XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX Both accounts are results of identity theft when i was under the age of XXXX and are the only XXXX that haven't been removed from my credit. 
I don't know if it's still on mt report, but my birth year was also incorrect it should say 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 2022-10-11
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. 

per section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. 

These accounts XXXX XXXX  XXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) XXXX XXXX XXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) XXXX XXXX XXXX XXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) 168i ( c ) - Statement of dispute required by CRA after 30 days following a reinvestigation. 

No statement was issued that this account was in dispute so how can it even be verified if it's not listed as disputed? its been way over 30 days and still no results on any investigation Cleary my dispute wasn't taken seriously and my rights as a consumer have been played with like a child. This has been causing my family stress that we can't move due to these accounts. 

I thought a cra had 30 days to complete a full investigation please detail me on why the law has been violated?

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 2019-10-15
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Back in XX/XX/2019, I got a call from This business with a man name XXXX on the phone. Calling about debt with Kia for a car I co-signed with my son. He went on to explain to me since I have a current car with Kia, they have offered a deal. A deal of XXXX instead of the full almost XXXX I explain to him I did not have that amount on me. He asked if I could pay 10 % then they would lease XXXX I would only have a balance of XXXX. I did not have the money then. I told him that the day wasn't a good day for me. My father had a XXXX XXXX and XXXX. He went on to tell me how I did not want to look as if I was refusing to pay and then it would hurt my credit. He goes on to offer a monthly payment plan he lowered it to XXXX and once the XXXX another XXXX would be reduced since I'm paying my current Kia account on time. I said ok it would hurt me but once I made the XXXX I'm good and I can then chip away at the XXXX. I requested proof to be mailed to me. 
Made XX/XX/XXXX and XX/XX/XXXX payment. 
Today XX/XX/XXXX something isn't feeling right to me about the payment plan, other than I have no money after making the payment. I called today and spoke with XXXX ( XXXX is no longer with the company ) she tells me she doesn't see the offer. she does see where the company offered the XXXX but nothing about the XXXX in payments it would reduce it more. That I did not have a set time to pay this amount. XXXX also wanted me to pay with a portion of my tax return. ( I don't even get refunds ). Everything he told me was a lie ; I was thinking about making these payments I could have less debt reporting on my credit report and pay that large amount down. so I stopped paying other debts to take care of these. This is why I don't answer unknown numbers. I feel like he took advantage of me during a time my father was sick and I was there, and me not trying to be rude.

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 2022-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/2022 was the payment due date for my Capital One credit card account statement ending XX/XX/2022. Prior to XX/XX/XXXX, I sent three separate payments to Capital One which arrived on XX/XX/XXXX. These were sent via a bill pay service. As these payments did not fully cover the statement balance, I intended to use the Capital One website or mobile app to initiate payments from my bank account on XX/XX/XXXX to cover that remaining statement balance amount. When I went to do this, the Capital One app declined to process my payment, saying that I could only schedule at most three payments at a time. I received no prior notice of this restriction. I called Capital One and spoke to XXXX  based XXXX or XXXX with ID number XXXX. I requested to make a phone payment from my bank account that would have covered the remaining statement balance. This request was declined by this agent, citing his system restrictions that I described prior. I indicated that I would make the payments as soon as the system allowed me to do so and requested that no interest be charged for this delay that was caused through no fault of my own. 

On XX/XX/XXXX, the Capital One app allowed me to make these payments from my bank account and I made sufficient payments to cover the statement balance.

Capital One charged me interest of {$22.00} on XX/XX/XXXX. I paid the subsequent statement in full by the payment due date. Capital One then charged me interest of {$10.00} on XX/XX/XXXX. 

The key difference I have noticed with how Capital One processes payments compared to other banks is the following : Capital One deems all received payments as scheduled payments on the date they are received. XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX  ( all of whom I have accounts with ), only deem payments initiated from their websites or apps as scheduled payments on the date they are initiated. They do not deem XXXX XXXX service or phone payments or branch payments as scheduled payments. As a result, these banks will accept payments from customers on the due date. There may be limitations on a customer 's ability to make a payment via the app or website, but some method exists for making a payment to these banks. This is not the case with Capital One as described and so the bizarre outcome can arise where a customer has the means and willingness to settle a debt with the bank, the bank declines to settle that debt and then charges the customer interest for not settling that debt. This situation should simply not arise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to you because I am concerned about the accuracy and honesty of credit bureau 's data I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted. I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.

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 2019-10-15
Company: C/C Financial
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2019 to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Mr. Cooper Group Inc.
State: OR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Mr Cooper had a mortgage for my parents, they passed, has the executor I sold their home and funds were owed to the estate that were escrow after the house closed. Mr. Cooper acknowledged they owe the estate but still no funds this house was sold XX/XX/2019 and it is XX/XX/2019. I understand there are three checks one {$600.00} and the other two around {$25.00}. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureau is reporting inaccurate information on XXXX XXXXXXXX. Per FCRA, reporting must be 100 % accurate or the information must 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 non-monetary relief