BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-10
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX I came home and had a court ordered document taped on my door for everyone to see. I was out of the State for a few days because of a family emergency so I am just receiving the notice. I was never contacted by phone by a constable. I left to go out of town on XX/XX/XXXX that afternoon and it shows on the document that it was left on XX/XX/XXXX at XXXX. I was never served by the constables or by certified mail. I live in an apartment complex which anyone has been able to walk by and see the documents with personal information on it. We are in a pandemic right now which funds are very low because I am a single mom. I am being sued by XXXX XXXX which Walmart is the original creditor. The amount I am being sued for is in the amount of XXXX. A few weeks ago a lady came to my door and wanted me to open but refused to identify herself. I live alone with my son and I am taking every steps to avoid being around anyone who is sick with COVID-19. The lady kept telling me I needed to open the door so she could  hand me a document but I told her that I needed to know what this is about and there is no way I'm opening my door for a random person. I asked if she could leave the document and she refused. So again instead of me being properly notified meaning by certified mail or by a constable the court document was taped on my door with personal information and for the apartment complex to see. 

On the court document it says that the petition was filed on XX/XX/2020 but papers was left on my door on XX/XX/2020.

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 2021-08-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I can't believe this credit reporting agency has taken advantage of me. I AM VERY UPSET that they have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted ASAP. This company has negatively affected me, and this is unacceptable to me as the consumer. 

These are the items I have been demanding to be deleted! 

15 U.S code 1681n Infamis of pulls XXXX Date of inquiry : XX/XX/2020 15 U.S code 1681n XXXX of pulls XXXX Date of inquiry : XX/XX/2020 15 U.S code 1681n XXXX of pulls XXXX Date of inquiry : XX/XX/2020 15 U.S code 1681n XXXX of pulls XXXX Date of inquiry : XX/XX/2020 15 U.S code 1681n XXXX of pulls XXXX Date of inquiry : XX/XX/2020 misleading false reporting unverifiable and inaccurate reporting. Date last activity is not 100 % accurate across each credit bureas which is a FCRA violation XXXX XXXXXXXX Account Number : XXXX misleading false reporting unverifiable and inaccurate reporting. Date last activiy is not 100 % accurate across each credit bureas which is a FCRA violation XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: I.C. System, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice from IC systems in XX/XX/2023 via postal service. 

I responded also via postal service in XX/XX/2023 with the following request : I am writing to dispute this debt as well as inquire of additional information. 

XXXX Dispute XXXX XXXX XXXX last XXXX balance provided to me was XXXX. XXXX credited 15 % as a courtesy and the amount being sought is inaccurate. 

XXXX Dispute validity of debt I am disputing this debt as valid at all. XXXX XXXX recommended our daughter stay in treatment and they and the insurance company were unable to settle. We followed medical advice from XXXX and are being asked to pay for a dispute between XXXX and XXXX XXXX. We dispute this debts as ours. 

XXXX We are asking for a detailed invoice of what makes up this XXXX debt so we can further dispute its validity. Please provide details. 


End of correspondence - I have not received any response from IC systems since my letter in XXXX. This debt was fraudulently charged off without providing the details requested as part of the fair credit reporting act. As I understand, this is illegal and should result in a penalty to IC   systems. 

XXXX contacted me but did not provide the requested detail and nothing came from XXXX who was attempting to collect the alleged debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account in XX/XX/2020. There was a bonus offer associated with this account of {$400.00}. Although I met all the requirements, the company CapitalOne did not give me the bonus. I have contacted them three times but they were unable to find the problem and credit the bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-10
Company: WELLS FARGO & COMPANY
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 a loan with WELLS FARGO BANK, XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, WELLS FARGO BANK, XXXX, and XXXX  with no successful resolution. There was definitely an error on their part.

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 2020-08-10
Company: Phoenix Financial Services LLC
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 a loan with XXXX/XXXX, XXXX/XXXX XXXX, and PHNX FINAN ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX/XXXX, XXXX/XXXX XXXX, and PHNX FINAN ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
In the beginning of XX/XX/2018, I received alerts informing me that my TransUnion credit score went down XXXX points and XXXX credit score went down XXXX points due to a balance increase. I contacted XXXX XXXX asking for additional information and I was advised that the loan is still current but the interest capitalizes each month which calculates in an increase in the balance. However, they do not have control on how the credit bureaus calcuate the scoring for credit reporting. I immediately contacted TransUnion and was advised that the loan is showing it showing deliquent status ( although I am showing it was current during the time of the XXXX point reduction and to current date ). I proceeded with a despute and recently received a letter containing my credit report, no other information was provided showing the reduction in points. I would like each major credit reporting agency to actively research this information and make the necessary adjustments to the errors reported, effective XX/XX/2018.

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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number XXXX XXXX Account name : U.S. DEPARTMENT OF EDUCATION Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX I Account number : XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account number : 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 2023-11-01
Company: MOHELA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have worked for the State of Wisconsin for more than 6.5 years and I have been properly enrolled in PSLF for that entire time, updating my income and certifying my employment annually. I recertified my employer every year even though my agency has not changed. I was already enrolled in an IDR plan for that entire time, as well. 

Mohela removed me from the IDR plan I had been in. Somehow my application was submitted for an incorrect IDR plan, all I wanted was the same. It went through the US Dept of Ed only to be denied by Mohela in XXXX. Mohela then put me into a level payment plan rather than defaulting to my previous plan. The level payment plan makes me ineligible for PSLF! I immediately submitted a second application through the Dept of Ed for the correct IDF plan ( I certainly hope ) and Mohela has been sitting on that application since XXXX. Nothing has been updated. I have received no bill. Everything still shows I am ineligible for PSLF now because I am in the wrong plan. I called Mohela on XX/XX/23 and they put me in administrative forbearance but are charging me 6.8 % interest while they catch up on doing their job and I have no assurance XXXX will count towards my remaining payments. 

If my original application had been processed timely, or if my loans had defaulted to the previous, correct payment plan, everything would be fine. But none of that has happened. On the website it still shows my application is processing and the level payment plan. I have not received a bill at all, but right now, that bill would be wrong because Mohela hasn't processed my payment plan application they've had since XXXX. It should have been so easy to update my previous plan. The Dept of Ed and Mohela both had access to my IRS info. My employer has not changed. My address did not change. Nothing. This should have been so simple - but somehow Mohela has XXXX everything up completely. Was this not the company suing the federal government so they could start collecting these loans? They now say 'unprecedented ' but they knew how many loans they agreed to service and didn't invest in the staff to process them. This is all on Mohela. 

It is unclear to me why every PSLF applicant MUST use this company. The first thing they have done for me is erroneously make me ineligible for the PSLF program I have been in for 6.5 years and now refuse to fix it.

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 2020-08-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. It has well over 30 days since submitting all the proper documentation and the bureaus have given me no reprieve in the battle to reclaim my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: MOHELA
State: ID
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XXXX Mohela sent me a statement with my loan balance because payments were resuming. I confirmed it online, and paid it off. 

XX/XX/XXXX Mohela sent me a {$0.00} statement with {$100.00} in added charges and interest since I paid off the loan which is inappropriate and incorrect XX/XX/XXXX I tried to call Mohela, no answer XX/XX/XXXX I emailed Mohela, they received it and the auto response said they'd get back to it within 3 business days XX/XX/XXXX I still haven't heard anything, Mohela sent me another {$0.00} bill adding interest yet again. 
XX/XX/XXXX I called Mohela, no response XX/XX/XXXX I emailed Mohela XX/XX/XXXX XXXX files this. It looks like they are having lots of similar issues. They are trying to financially ruin a generation for their own greed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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:
I recently reviewed my credit report and found unauthorized inquiries. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XX/XX/2022 XXXX XXXX  ( Finance ) XX/XX/202XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX  XXXX Finance ) XX/XX/2022 XXXX XXXX XXXX  ( Finance XXXX XX/XX/2022 XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/2022 XXXX XXXX XXXX ( Bank XXXX XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX ( Auto ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Hotel and travel ) XXXX XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX ( Bank ) XX/XX/2022 XXXXXXXX XXXX XXXX Finance )

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 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. It has well over 30 days since submitting all the proper documentation and the bureaus have given me no reprieve in the battle to reclaim my life.

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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have noticed many incorrect and unauthorized items appeared in my report.

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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 XXXX XXXX ( Acct # XXXX ) XXXX  : XXXX XXXX XXXX XXXX ( Acct # XXXX ) XXXX XXXX XXXX : ( acct # XXXX ) has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
on XX/XX/2020 i was denied a auto loan due to a negative account that was appearing on my credit report from a company called XXXX XXXX XXXX XXXX account number XXXX i don't know who opened this account under my name.

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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX noticed some unauthorized inquiries appearing on my Transunion report I have listed the inquiries below with supporting documentation. 

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 non-monetary relief