BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I never was late in XXXX and XX/XX/2023 ACCOUNT XXXX XXXX XXXX XXXX XXXX per 15 USC 1681i ( 5 ) I am writing to file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding the late account reporting on my credit report for the months of XXXX and XX/XX/2023. Pursuant to the Fair Credit Reporting Act ( FCRA ), I believe that this reporting violates my rights under 15 USC 1681i ( 5 ). I have reviewed my credit report, and it has come to my attention that the above-mentioned creditor has reported my account as late for the months of XXXX, XXXX, and XX/XX/2023. However, I would like to assert that this reporting is inaccurate and is adversely affecting my creditworthiness and financial standing. Under 15 USC 1681i ( 5 ) of the FCRA, I have the right to dispute any inaccurate information that is being reported by a credit reporting agency. I am hereby requesting an investigation into the accuracy of the late account reporting for XXXX and XX/XX/2023. My reasons for disputing this information are as follows : I kindly request that you conduct a thorough investigation into this matter as soon as possible and make the necessary corrections to my credit report if it is determined that the late account reporting is indeed inaccurate. Additionally, I request that you inform me of the results of your investigation in writing and provide me with a copy of my updated credit report once the necessary corrections have been made. Please consider this letter as a formal request to initiate the dispute process under 15 USC 1681i ( 5 ). I understand that you have 5 days to complete your investigation, and I look forward to a prompt resolution of this matter. Thank you for your attention to this dispute. I am hopeful that the CFPB will help ensure the accuracy of my credit report and protect my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX ( acct. # XXXX ) is my first mortgage and Select Portfolio/XXXX  XXXX XXXX  XXXX ( acct. # XXXX ) is my second mortgage. I am in significant hardship due to Covid-19. I'm trying to sell the house because I can no longer pay both mortgages. I have repeatedly filed hardship letters to both companies and they continue to misplace my request for a short sale. They are continuously losing my personal documents and then closing my cases. I filed everything by fax ( XX/XX/XXXX ) from a XXXX branch for a hardship/short sale. It was over 100 pages with my loan number on every page. I was then told more documents were needed. So on XX/XX/XXXX, I emailed additional documents to XXXX XXXX XXXX and now I'm told my request for a short sale has been closed? WHY? I have had the 2nd loan since XXXX. And just learn that a XXXX loan will not be paid off until XXXX at 11.5 %. INn the past I tried to refinance and was told I couldn't. To date I have paid {$54000.00} on a {$31000.00} loan. And have been stuck with it. The investor on that loan is XXXX XXXX XXXX  XXXX. That loan has been sold many times as well. I have a buyer who has patiently been waiting. XXXX and Select Portfolio has copies of the settlement HUD. I have called XXXX and Select Portfolio several times..and each time I spoke with a different representative and was told different scenarios. I was told things were missing from the XX/XX/XXXX fax... but was recovered when I complained. I am in dire default of my loan because of Covid-19. And facing significant hardship. I am trying to sell the house and XXXX snd Select Portfolio representatives are very misleading in my case. As to XXXX : I need someone to explain why I'm {$51000.00} in behind payments? My principal amount prior to default was approximately {$210000.00}. My payments were approximately XXXX which was interest and principal. So being in default ... shouldn't interest be the only thing ongoing? I now owe approximately {$260000.00}? Please explain how in 25 months of default im getting hit with my principal on top of interest. In any case, I need this all clarified and resolved ... as I am trying to sell it. I need a recalculation of what is owed and a short sale. As the settlement is XX/XX/XXXX and IRS had liens on the house too. They are releasing the liens for only 30 days. XX/XX/XXXX to XX/XX/XXXX. Again, I applied for both short sales on XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
I have made several dispute about XXXX XXXX XXXX XXXX with XXXX, TransUnion, and XXXX on reporting inaccurate information on my consumer report. The consumer reporting agencies stated that they properly investigated my account with XXXX XXXX XXXX on these two accounts. 

The first one # XXXX for {$350.00}, last active date or to be removed on TransUnion has XX/XX/XXXX, XXXX has XX/XX/XXXX, XXXX no data. 

Second acct # XXXX for {$640.00} Last active date or to be removed on TransUnion has XX/XX/XXXX, XXXX has XX/XX/XXXX. 
I didn't give my consent to report on my consumer report to XXXX XXXX XXXX and didn't have validation of debt sent me as I requested a long time on XX/XX/XXXX. I did not receive notice and disclosure from XXXX XXXX XXXX until after I dispute the debt in XXXX. Received a threatening letter for judgement and disclosed my private information to third parties. 

XXXX XXXX XXXX XXXX already have been ordered by CFPB but they continue to violated my rights. 

They have violated my rights and since my consumer report is inaccurate and incomplete I demand immediately deletion from my consumer reports. See proof below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: MI
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. 

Account Name : 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  has violated my rights. Or 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Public records information was never validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed XXXX Credit Bureau and Experian has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. You needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted. You needs to provide me with copies Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 15 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). You went past that 15 days. It is required by law to give me full disclosure of information and description on the procedure. I wasn't given any proof. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account 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 2023-08-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2023 at approximately XXXX on Monday morning I called Experian to clean up my credit report and noticed their was addresses on my credit report where I had never lived in my life, I have been in XXXX XXXX for 35 years, Well some of the addresses they removed but their is still this XXXXXXXX XXXX XXXXXXXX XXXX. Which the agent just refused to delete because he's in charge and that I was having my mail sent there, Now what sense does that make, Experian had me living in XXXX XXXX also, I had to argue about that, they had me living at XXXX XXXX in XXXX, please help me, This company Experian is sabotaging 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 2021-11-16
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I filed my XXXX IL income taxes late. This resulted in a penalty. Illinois Department of Revenue billed me about {$1000.00}. I entered a payment agreement with them. To date, I have kept up my end of the agreement. I have made two payments for {$100.00}. One was made before agreement was set up, other was made XX/XX/XXXX, on schedule. Additionally, I paid a {$180.00} down payment. 

The purpose of entering the agreement was to PREVENT the debt from being sent to a collection agency. I did not want a smear on my perfect credit rating. 

Yet despite this, Illinois Department of Revenue sent my debt to Transworld System Inc. 
XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, IL XXXX XXXX XXXX Transworld made a derogatory credit bureau filing which has already impacted my relationship with XXXX XXXX, and now they're harrassing me by calling my cell phone XXXX XXXX XXXX. 

Please cause Illinois Department of Revenue and Transworld to cease and desist collection action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I attended XXXX XXXX in XXXX. I didn't attend the full 2 years of schooling due to me already having college credits that were transferrable. The school charged me for the full 2 year of tuition with outstanding interest. This school is now close, and I don't have any contacts to get anything resolved. I was wrongfully charged and severely defrauded by this institution. I can not advanced the way that I want to, or make the money that legitimate college graduates make. I still owe as much money for student loans as a person that went to a four year university. This is highway robbery and so unfair to innocent people like myself. I have struggled for years trying to make payments on these loans, and I haven't made a small dent in anything. The interest is so high that I'm paying pennies on the dollar on the principle of the loan itself, and the bulk is going on interest. The total loan that I still owe is over {$38000.00}, in which I have been paying since the year of XXXX until now. The interest on this loan is just that much! This is outrageous! This school has been closed down for years now, so there is no one who I can contact to try to resolve this matter. I have tried making all kinds of arrangements with my loan officer, but nothing is working for the betterment of me and my family. I believe that I should be forgiven for these loans completely, because I have been mislead, taken advantage, and completely defrauded by this unprofessional for-profit institution. I know that I'm not the only person that is in this situation with the same institution. Please help me with this major situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-12-12
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: DailyPay, Inc
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
CFPB employee, im mainly sending this into you for this complaint to be on your records because it needs to be, and if you think another agency should be aware of it, then please forward this to them as well. 

I started my job and worked the day, i called out the next day to do a stomach bug, i received an email from dailypay saying i earned {$67.00} on a workday that was $ 120+. I  thought i was short changed which ended up causing me to quit, ill get back to that. Because of that i used {$60.00} of it and about a week later on on payday, dailypay deposits an extra {$62.00} into my bank account, i also receive a paycheck from my employer, I reached out to my employer and called into dailypay to figure out what happened, the agent i spoke with at dailypay said i owed dailypay nothing and my account was in the clear, which i have on recording. after a few days of being the middle man, and dailypay not replying back to my emails, i was told dailypay reached out to my employer and was trying to figure something out, No one wanted to mention what happend there, for all i know, my employer paid it off for dailypay to continue saying i owe them money. Anyways, in there terms of service in section 2 it says if my employer short changed dailypay, i wont owe them a cent and yet here we are, They kept insisting i owed them money, so just to get this borderline illegal harassment over with, i paid it off, and the account is still deactivated, still! 

If i were to take this to court, you do realize the amount of crap i could get dailypay in, Thats not even including the fact that my personal information was transferred inbetween my employer and dailypay without my consent. 

Im still contemplating what to do so there wont be a final point to make other than Dailypay, you seriously need to get your XXXX together, like, REALLY BADLY!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2022-11-30
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: Information belongs to someone else

Complaint:
Upon review of my consumer report I have found false and inaccurate information being reported. FCRA states that I have the right to have accurate information be reported and these items are not.

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 2019-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Due to lack of communication by the business on how payments would be allocated I was charged back interest. I called the bank and they advised they were unable to wave back interest of promotion. I made enough in payments to cover amount of purchase. Call with business took place XXXX XXXX 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
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: Information belongs to someone else

Complaint:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I had very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were.

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 2023-01-14
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received a check, thought it was legitimate deposited it in an ATM and it was fraudulent. US Bank contacted me of the fraudulent check and asked me questions about it and they decided to close my account because of scammers trying to log into my account and blaming me for giving out my login information to them but I have not done that, its been XXXX or XXXX weeks when they said it was been closed. I have not received my money yet. I had in the XXXX accounts. I had just checking and savings account. I have contacted them many of times and they say that they dont know when I will get my money back theres no time limit. And they also have hung up on me XXXX times and are very rude and will not give me any information of whats going on with it. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief