BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-19
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting 8 student loans that I do not recall making from them as the borrower or giving my permission to service. All of my federal student loans were made through XXXX XXXX. XXXX XXXX is reporting the loans as having been last for four months in 2017. I was a student during the periods that they are reporting late payments. My other student loans are reporting as in good standing during the same months reported by XXXX because my federal student loans were in in-school deferment. I consolidated all of my student loans. The XXXX account has been closed for several years. My complaint is that ( 1 ) XXXX is reporting a total of 36 late payment to the credit bureaus and, when I asked them to send me a copy of the contracts, promissory notes, or any other documentation that defines the actual loans made, for what school, and when, they sent me a short ledger page that had no discernable information on the loans themselves or how XXXX came to service them. Reporting 36 late payments on my account that I challenge requires XXXX to produce those documents upon my dispute. Moreover, since the loans were consolidated under a federal program, I am entitled to accounting so that I can check XXXX ' information against the individual loans in my consolidation account. Sending me a generic printout of something purported to be a balance sheet without supporting documentation is a clear violation of the FCRA and demonstrates a reckless disregard for the impact that their 36 late payment allegations have on my credit and potential debt obligation for loans that I did not take out from them.

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 2023-10-14
Company: CL Holdings LLC
State: MO
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:
Cease and Desist Communication Regarding Charge off I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it. 

According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws.

Therefore, I insist that you : 1. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt.

2. Do not report this debt to all credit reporting agency and request for deletions to credit reporting agencies.

3. Do not sell or transfer this debt to any other third party.

4. Provide written confirmation, within 30 days of receiving this letter, that you have ceased all collection activities related to this debt.

Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request. 

I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion. 

Your immediate attention to this matter is expected and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX have 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 an 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 2023-05-04
Company: MicroBilt / PRBC (formerly CL Verify)
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:
Credit reporting agencies is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
They all are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information they're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

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 2023-02-08
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2022, I gifted my fianc a {$500.00} Visa gift card as a token of my love and appreciation. However, much to our surprise, the card was fraudulently used and its balance had depleted to around {$50.00} a few months later.

Determined to resolve the issue, I reached out to the customer service department by calling the number on the back of the gift card. After speaking with a representative, I was advised to send a fax of the receipt proving my purchase and a copy of my government-issued ID. Despite multiple attempts, the fax was never received by the customer service department.

Today, I had the displeasure of speaking with a representative named XXXX, who informed me that the only way to send the documents was via fax. When I asked for an alternative method, XXXX was unable to provide one and hung up on me after I requested to speak with a supervisor.

Frustrated with the situation, I am now filing a complaint with the CFPB against US BANK, the issuer of the Cardholder Agreement, and have attached proof of purchase, the gift card, and my government-issued ID. I hope to receive a prompt and satisfactory resolution to this matter

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 2021-03-14
Company: U.S. BANCORP
State: LA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Someone at the XXXX XXXX XXXX XXXX XXXX XXXX La around XX/XX/2020 after filing early XXXX address stole my identity by creating account and linking bank account to my unemployment account from XXXX to XX/XX/2020 I have copys of reference number after access the credentials for that account stating that my identity was stolen I have to file taxes on something I wasnt even distributed due lack of security and privacy allow anybody any. Number any souls who provided my stolen information to allow XXXX for 6 months straight and never inform me

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 2023-08-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$400.00}

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 2023-09-29
Company: Self Financial Inc.
State: MA
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: Investigation took more than 30 days

Complaint:
DEAR SELF LENDER ; CREDIT BUREAU ; XXXX XXXX XXXX XXXX XXXX ; I am writing to dispute an inaccurate late payment notation on my credit report. These late payment was wrongfully reported on my account for SELF FINANCIAL/LEAD XXXX  ACCT # XXXX XXXX - as being late on my credit report. 
However these late payments are incorrect, inaccurate, and violations of my credit report and privacy, and I have proof on-time payment for those months. Having inaccurate late payment on my credit report are damaging my credit score and ability for any company to extend credit to me.

Therefore, I request that you immediately DELETE these late payment on my credit report, and please send me detail notification of correction once completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: XOOM CORPORATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have submitted a transaction via xoom which was cancelled after I was charged. I received an email saying that I was not debited but I was. I would like a refund as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
XX/XX/XXXX : Bank of America claimed a {$600.00} CC payment check from me, dated XX/XX/XXXX, had been " not been received. '' It charged a {$25.00} late fee on XXXX account. 
XX/XX/XXXX : That check was replaced, and the total credit card outstanding balance ( approximately {$790.00} ) paid, by bank transfer from our account to Bank of America. 
XX/XX/XXXX : The credit card account was closed, all agree, with zero balance. 
XX/XX/XXXX : Bank of America endorsed and presented the long- '' lost '' check for payment to my bank, XXXX & XXXX ; it was paid despite being a stale check. ( I had requested it be stopped, but apparently from my not going to the branch to sign a form, it was not. ) XXXX XXXX, XXXX : I got XXXX & XXXX bank statement and contacted BoA customer service ; call was escalated ; I was promised repayment in " 2-5 business days '' and was asked for my bank account info so that BoA could transfer {$600.00} to my wife 's and my account. 
XXXX XXXX, XXXX : No funds returned by BoA in 9 days. Received instead ( by mail ) a XXXX statement, for period supposedly ending XXXX XXXX, XXXX, showing a {$600.00} " credit ''. Our BoA credit cards were long since destroyed, no way to use this " credit '' even if the account were open. We have no other relationship to Bank of America. 
XXXX XXXX, XXXX : I visited my bank and the XXXX XXXX XXXX branch manager called Bank of America with me, was told the CC account " is closed with a {$600.00} credit ''!! BoA representative said the {$600.00} would be returned in " 1-2 billing cycles ''. I protested their keeping this fraudulently acquired money for three months XXXX XXXX XXXX. Call was again escalated. My branch manager was promised return of the {$600.00} in " 1-3 business days '', and an immediate fax of confirming document. 
XXXX XXXX. No fax to XXXX & XXXX bank branch manager. No {$600.00} returned to our 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 monetary relief
Consumer complaint received 2023-10-15
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XX/XX/XXXX, I contacted Navient and spoke with a male representative to inquire about applying for the Navient Rate Reduction program. I explained that my loans last qualified for the program more than a year ago, yet I had not been able to apply for it since it last expired in XX/XX/XXXX. The representative reviewed my account and informed me that my student loans were " gray listed. '' He further explained that although I have 9 years remaining on paying my student loans, my loans have been internally " gray listed '' and that prevented me from being able to apply for the Navient Rate Reduction program. He further stated that the company tends to " gray list '' student loan accounts with payments of 5 years or less remaining ; however, he was unsure as to why my account had been " gray listed '' when I had significantly more years left on my student loan payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: ID Analytics, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Thre major Credit reporting companies XXXX, XXXX XXXX and XXXX reports Fico number on me between XXXX to XXXX and here is a compny call SageStream LLC scoring my name and my credit at XXXX as of XX/XX/2020. 
I was trying to cosign for a frien with good credit to get a car loan at a better rate of interst because I thought that my score been higher will help, is matter of fact at did the day that day we sign the contract the car dealer gave us the worst case % that will be charging. 
then on XX/XX/2020 I get a letter indicating that they regret to infor me that they can't agreed to the terms first writen in the contract beacae of the score I got from Sage Stream. When I try to contact them they don't have anybody I can ask about my score only if I give Lots of personal information to them, I was worn by XXXX XXXX not to share such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: EQUIFAX, INC.
State: LA
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 submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: CORELOGIC 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:
Credit reporting agencies is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
They all are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information they're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

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 2023-06-13
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage was moved from XXXX XXXX to Mr Cooper on XXXX XX/XX/2023 Mr Cooper onboarding said that the auto pay would transfer and that I would be able to see this on their web portal from XXXX XX/XX/2023. 

XXXX XXXX were unsure if the autopay would automatically transfer, so I checked with Mr Cooper by telephone and they could not confirm. 

On XXXX XXXX I went to the web portal and it showed that no autopay was set up and that my XXXX payment was late, so I set up a one time payment for the next day and set up autopay from XXXX XXXX onwards. 

I checked again on XXXX XXXX and found that Mr Cooper had processed XXXX payments on that day and changed the auto pay to be from XXXX XXXX and added a further one time payment scheduled for XXXX XXXX. 

I called Mr Cooper and spent over an hour speaking to XXXX in Escalations who was able to cancel the second payment but was unable to cancel the scheduled one time payment or update the autopay- she told me it would all be resolved within 24 hours. 

I checked at 24 hours, 48 hours, 72 hours and 96 hours and the problem was not yet resolved. 

I called Mr Cooper again on XXXX XXXX and was told that nothing could be done and that I needed to wait until the following day. 

I called Mr Cooper again on XXXX XXXX as the problem still exists. I spoke with XXXX in escalations who said they were having IT issues and had no idea when or if the problem will be fixed. So I asked to speak to a manger and she refused to connect me and said that it was policy that I had to wait for a call back which could not be guaranteed but should be within 48 hours. 

At this point, I have no idea what payments have been requested, or taken, or scheduled and I have no idea whether I am up-to-date with payments or if I will go into default in XXXX or what I need to do to stop that happening. I never had a single issue with XXXX XXXX but Mr Cooper, whilst promising an increase in service, =have been terrible and continue to be so. 

Surely there must be some way I can stop my mortgage being purchased by this inefficient and disreputable organization? Or at the very least some way to ensure they meet minimum standards of fiduciary responsibility? 

Please can you help?

Company response to consumer: Closed with explanation