BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion refuses to remove false derogatory information from my credit report. They say that they investigated the issue but as far as I can tell, their investigation lacks any credibility. Apparently they just take the word of anyone who says they are owed money and damages my credit report without having a serious dispute process. I have the right to see the proof of debt and demand that this be provided me. I have a right to a serious dispute process and that my side be taken into account. This was not done. It should be illegal for TransUnion to cause me this harm and refuse to correct it. I need to see all documentation that was provided to them as part of what they claim is their investigative process. I must be able to dispute the false information. They have no proof of a legitimate failure on my part to pay a legal debt, since I do not owe any money that is being claimed and they have no proof ( not unfounded comments ) to the contrary. Attached please find documentation I sent TransUnion and which they have failed to act upon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Accounts on my report I dont recognize

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 2023-12-11
Company: ENOVA INTERNATIONAL, INC.
State: NJ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was entered into a reputable debt relief program in an attempt to settle an outstanding debt with NetCredit due to severe financial hardship. The settlement agreement was dated XX/XX/XXXX and listed the agreed settlement amount and monthly payment schedule. All proofs of payments are available and can be provided. Despite the settlement agreement and accepting the monthly payments, NetCredit has been incorrectly reporting the account as Past Due with an incorrect amount. I reached out to NetCredit in XX/XX/XXXX and they refused to update the information on the account. As a result, my credit score has been tanked for whole a year due to false reporting by NetCredit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: U.S. BANCORP
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX, I authorized XXXX to withdraw my {$150.00} transaction for my monthly premium. This month, however ; I was charged twice. I dont have pay day until XX/XX/XXXX, but I am overdrawn in my account now with pending charges. I called my Bank ( USBANK ) to dispute or atop the pending transaction I didnt authorize, but they told me I couldnt do anything until it goes through. I also asked if I was going to be refunded the overdraft fees for my account being negative, and I was told no, because its not the banks fault. So I am going to be negative on my account and get charged overdraft fees for something out of my control. XXXX also said they only see one transaction, so they can not stop any payments. I tried with Usbank and XXXX to fix this before I get charged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: EQUIFAX, INC.
State: NC
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: NY
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 Account # XXXX, has violated my rights.

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
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:
A few years ago our mortgage was purchased by Carrington Mortgage. Since then we've had nothing but trouble. We got a few payments behind and caught up only to have them keep charging us strange fees to " keep us in the hole. '' As of now, they are showing that the last payment made was in XX/XX/2019, which shows on my credit report as 30-59 days late, which is dragging my score down. I have made both XXXX and XXXX XXXX payment but Carrington refuses to update that information. I have a print out from Carrington 's own site showing those payments were made as well as statements from my bank showing those payments were made. I have read through hundreds of complaints online about the same things happening to other people. This company needs to be investigated and shut down. In the meantime, I simply want my payment information reported accurately. This company will find anyway to keep collecting more money from you or to ruin your ability to refinance with another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions 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:
My name is 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. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$0.00}

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 2021-01-20
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Santander Consumer USA is in litigations with my State of New York. As of today i have not received any guidance on how this lawsuit will be helping get through this unaffordable loan. I have been with them since XX/XX/2018 and after all the payments i have made not even {$5000.00} has hit my principal account. I struggle to pay my loan but i do so i do not have to continue paying so much interest and hurt my credit. I did reach out to the executive office and received a call that i am not entitled to any relief. Yet my name comes up in the suit through XXXX XXXX. They spoke down to me and treated me like i was the one doing something wrong. Santander basically washed their hands in regards to this lawsuit and refuse to provide me any information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I transferred from my personal checking # XXXX ( that i used as single business owner using my own name or my DBA ) to my personal saving account about the amount of $ XXXX. 
Citibank sent {$12000.00} to the federal government to : Citi Bank account seizure, Case no. XXXX XXXX XXXX Assistant United States Attorney XXXX Asset Recovery Division, Chief United States Attorneys Office | District of Colorado XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CO XXXX XXXX : XXXX XXXX ) XXXX which amount of {$12000.00} I received back from the federal government but the remaining funds I've never received it because the district attorney never received the remaining balance. I went to the local bank branch in XXXX, but they said don't know where the funds are located. Nobody knows where the funds can be found. 
The frozen funds were borrowed during covid19 from the SBA for my business that I run under my name. I am a single business owner using a DBA name : XXXX XXXX XXXX, XXXX # XXXX. 
I did take the loan using my ss # XXXX, the sba deposited the funds to my personal bank account and Citibank didn't like the funds to be put into a personal saving bank account instead of a business bank account. Citibank closed the personal saving account and froze the 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 explanation
Consumer complaint received 2021-01-19
Company: FISERV INC.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
EIP card for stimulus. Was given directions on how to activate card for use. Call the phone number on the information and asked for card number. Upon entering card number into system, it then ask for my password. I do not have a password as I am suppose to call this number to activate the card and create a password when I call. Can't give a password that doesn't exist. There is no one available to answer this issue as every time I call, it ask for the exact same request for a password that hasn't been made yet!!!!

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 2022-04-28
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX Account # shows XX/XX/2019 and XX/XX/2019 as 30-day late payments. This should be changed to paid on time. 

I attached a letter from XXXX XXXX stating that I have no late payments with the company.

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 2019-04-10
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a XXXX year old woman trying to take care of myself with my properties and Shellpoint has taken advantage of me and is trying to steal my source of income from me! I am very concerned with the actions of this company, Shellpoint Mortgage ... I have a sale date in 2 days, XX/XX/XXXX, and my new documents have all been received but the underwriters continue to ask for silly things, like the date over each column on my Profit and Loss Statement isn't enough, it needs to be at the top of the page also and must read " XX/XX/XXXX to XX/XX/XXXX '' .... each column had the date written in this order but this bothered them. Many, many questions of clarifications like this yet the last review Shellpoint added 3 properties I didn't own, added mortgage amount that weren't correct etc. Dual tracking is alive and well with Shellpoint and their " new '' ( old really ) Trustee XXXX XXXX   who are really XXXX XXXX XXXX XXXX XXXX XXXX/ same crooked company that has been under many different names as they've been shut down!!! I've seen them all, XXXX, XXXX, etc ... .I know that my property qualifies for a modification as I have had 4 other modified yet Shellpoint  is XXXX bent on stealing my property in 2 days! As per their own calculations provided to me for qualification for their modification, I should be given a modification yet so far they tell me they are going through with the sale. This leads me to believe that they possibly don't own the loan or they would be interested in modification. I have many disputes unanswered including a qualified written request unanswered, yet they walk over these state and federal laws as well. I am asking that these Federal Agencies paid by taxpayers dollars hold these companies accountable to the law of the land and stop robbing the american homeowners ... .enough is enough! I am demanding that this sale date be cancelled and a rightful, qualified modification be issued along with the requested documents for review by my legal team. I have asked for an appointment to view the wet ink signed Note and Deed that they are claiming they have in their possession as legal standing to modify my loan and service it, i.e. the Assignments and Substitution of Trustee recorded documents, yet no valid documents nor appointments have been offered to date ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Wells Fargo sold my to XXXX XXXX XXXX XXXX without anyone contacting me or giving me any notice that it was going to be sold.

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 2021-01-20
Company: EQUIFAX, INC.
State: LA
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've disputed numerously about inaccurate information that is not mine.They have included this information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports the publish.According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I have made numerous attempts to have this account and inquiries removed to no avail. Please can you assist me in getting this account as listed and all inquiries removed immediately. This has been very time consuming and has caused me a lot of undue stress due to these circumstances. I thank you for your help and assistance and look forward to a resolution in this matter. 

XXXX XXXX XXXX XXXX Acct # XXXX. 
And all inquiries listed on my credit report that I did not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: JTM Capital Management, LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
There is a money judgement against me from JTM Capital Management LLC from what I believe to be a payday loan. 
I finished a Chapter XXXX bankruptcy in XXXX of 2018, I am done making payments and received all my court documents finalizing and closing this chapter XXXX, everything is in good standing. 
Under chapter XXXX bankruptcy payday loans are prohibited, this means this payday loan was taken out under my name, without my permission while I was still making payments under my chapter XXXX plan. 
I never received a court summons, have not been served any court hearing documents notifying me of any dates for a court appearance. 
I now have a money judgement claim under my name and fear that I will have wage garnishment without anything I can do to stop it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received a letter in the mail on XXXX from a Law Firm company named XXXX XXXX XXXX XXXX, XXXX Attorneys at Law. The letter was titled " Dear XXXX XXXX RE : Wells Fargo Bank XXXX XXXX XXXX XXXX courthouse records indicate that the above referenced creditor has filed a LAWSUIT against you for the collection of a debt. It also stated that the creditors are attempting to " GARNISH MY WAGES '', OR " PUT A LIEN ON MY BANK ACCOUNTS OR other PROPERTY! I almost had a XXXX XXXX from hyper ventilating while reading this as I was sitting in my truck. 

Monday morning XXXX, I IMMEDIATELY called the number on the letter to find out what could this possibly be about. Of course, they said I would have to call Wells Fargo and so I did. I called several numbers not getting any answers, so I called the Legal department hoping to get some answers. Not even they could tell me anything. I looked up the corporate location in the XXXX 's and got a phone number to call, but it led nowhere. I then thought to call the Ga XXXX XXXX XXXX XXXX and that is where I found the information from XXXX XXXX XXXX. He informed me of what was going on with the fraudulent activities that Wells Fargo had done and how they did it. My Line of Credit was compromised by XXXX of Wells Fargo 's own employees to get their own satisfaction at someone else 's expense. I have been very upset since I received this letter missing sleep, not being able to eat and have had no response from Wells Fargo. I want this settled and punitive damages will be requested by me for all that they have put me through.

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 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 information is being sent by me, not a third party. My proof of identity, and address are attached. On XX/XX/2020 I sent a certified letter with return receipt to XXXX. They have sent the return receipt back but as consumer ignored the requested of proof. I have attached along with this statement the letter I sent. I was inquiring about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by law to verify through the phyiscal verification of the original signed consumer contract. Under FCRA I requested verifiable proof that they had on file of ( an original Consumer Contract with my signature on it ). Because of there failure to do so by law under the FCRA, unverified accounts must be removed and if unable to provide me a copy of verifiable proof, they must remove the items of the accounts I listed : 1 ) XXXX XXXX ( 2 accounts ) : sitll on my credit report supposed be deleted 2 ) XXXX. XXXX XXXX Company : still on my credit report supposed be deleted 3 ) XXXX XXXX : still on my credit report supposed be deleted 4 ) XXXX XXXX XXXX : was deleted 5 ) XXXX XXXX XXXX : still on credit report suppose be deleted There failure to positively verify these accounts has hurt my ability to obtain getting a house and other credit. As actived military solider serving my country this has cause me and my family much sadness. None, of the credit agencies, creditors and collection companies have given me proof of what I requested in writing. So, by law these items should have been deleted if this proof wasn't given.

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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Reinserted a collection in the past due amount of {$430.00} also, a opened date of XX/XX/2022. This account was removed and resolved with previous assistance of a cfpb complaint and has been reinserted without my knowledge and or a written notice. 

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. Also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681i 5 ( B ) section states Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information ( ii ) Notice to consumer ( iii ) Additional information : written notice to consumer ( C ) Procedures to prevent reappearance ( D ) Automated reinvestigation system

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