BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, 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:
Aggravated Identity Theft pursuant to 18 USC 1028A FCRA 15USC 1681A- Consuming reporting agencies reported without permission or without a permissible purpose by law XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX  XXXX  XXXX Bank ) XX/XX/XXXX XXXX XXXX  XXXX Bank XXXX XX/XX/XXXX BANK XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX BANK ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  XXXX  ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/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
Consumer complaint received 2017-05-17
Company: AES/PHEAA
State: NE
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In  2005 a student loan application was processed with my name and information attached to it. I did not sign the documentation nor do I agree with the terms of the loan. My personal credit has been effecting my history and credit reporting agency. I have been trying to deal with the owner of the loan for over 11 years and they still refuse to act. My credit continues to have just one negative report on it. I deserve a timely response in this matter but no one else sees that. Please help restore my credit and step on the lower life form at AES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my consumer reports. The Credit Bureaus have stated that TWO listed XXXX accounts were properly investigated and resolved on several occasions ; but how is this possible if the Account Numbers, Date Opened, Number of Months ( Term ), Last Reported, Date Last Active, and the Date of Last Payment are not accurate across all three reports? This is grounds for deletion / removal under the following : 15 U.S.C 1681 602 [ 15 U.S.C 1681 ( a ) ( 4 ) ] 623 [ 15 U.S.C. 1681s-2 ] 611.Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] See attached and have a nice day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
Company: Experian Information Solutions 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 XXXX Account # 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.

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 2023-10-03
Company: ReliaMax Holding Company
State: IL
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:
I have been defrauded by my now defunct college, XXXX XXXX XXXX XXXX. This school, that was based in XXXX, IL, FORCED me to take out PRIVATE Student Loans, from XXXX XXXX. The debt and monthly payments were insurmountable, so my only choice was to consolidate this debt, with then XXXX XXXX XXXX. I made all my monthly payments, while struggling to make ends meet, and then had moved out state, with my husband. where we had our first child. There, I could not find work, and since have been struggling with this unlawful and insurmountable debt. A few years later, my school, XXXX XXXX XXXX XXXX, was PERMAMNENETLY CLOSED. ALL my Federal Student loans have been forgiven in a XXXX XXXX case, but I am having problems with a Private Loan from XXXX. 
This loan is OBSOLETE, and therefore should be completely remove and balance cleared.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-04
Company: EQUIFAX, 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights Treasury Department XXXX account # XXXX XXXX XXXX XXXX  account # XXXX Inquiries : XXXX Via XXXX Requested XX/XX/2022 XXXX U.S.C 1681 section 602 States I have a 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 report more than 7 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: AZ
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 been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX Card- {$25000.00}. Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. The companies above violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations. Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. The companies listed above is falsely publicizing an account addressed to me on XXXX, Equifax XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. The companies above has published my information publicly on Equifax, Experian & Transunion including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. Fact, 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. The companies above has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. Fact, Affiant is aware and has proof in attachment labeled as exhibit A and the companies above. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. The companies above has published an account they have of mine on the companies above. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I pulled my credit report and noticed that there are items that are not right. 

I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Inquiry from 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 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  I doubt this is correct, please remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

Respectfully, XXXX XXXX XXXX : XX/XX/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 2017-05-17
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
M y problem is with Wells Fargo, the ho lder of my mortgage loan. They have dragged their feet and put us through the runaround for  over two yea rs and are now setting a foreclosure sale date of  XXXX   XXXX . They have refused to initiate a review of our current financial circumstances, even though things have changed and the amount of income for the household has significantly increased. We received a letter from  Wells Fargo last month fro m  XXXX   XXXX   Executive Resolution Specialist that stated that Wells Fargo will not review your loan for mortgage assistance options again. There is no reason given. I am pretty sure that Wells Fargo is  supposed to be looking at our current and correct financial information. We have several relatives living in the home and everyone is trying to pitch in to help so that we can save our ho  me. Wells Fargo is purposely denying my family access to government programs that we could qualify for and I dont know why. Not only are they refusing to conduct a review and instead trying to set a foreclosure sale date, they also failed to offer us the option of mediation as required by New Jersey state law.
This is part of a pattern. Wells Fargo has repeatedly dragged their feet, misplaced documents and given us the runaround. We just want the chance to save our home, but Wells Fargo   will not review the current and correct financial information. There are  XXXX  of us living here including  XXXX  young children. I understand that we fell behind but we can make this work and can qualify for a modif ication if Wells Fargo gives us a chance. They are now saying we dont get any more chances. I dont know of any rule or guideline that says you cant re-apply for help if your financial situation changes. I think Wells Fargo is making this up and trying to avoid helping us so they can foreclose. Based on their actions in relation to the fake bank account scandal I am not sur prised.

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 2023-05-01
Company: EQUIFAX, 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:
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 Account Number:1986** Account name : XXXX Account Number:XXXX Account name : XXXX Account NumberXXXX 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 explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: TN
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 Account XXXX  XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX - XXXX XXXX Account XXXX  XXXX Account name : XXXX XXXX XXXX, Account XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX, Account XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX Account # XXXX has violated my rights .

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 explanation
Consumer complaint received 2017-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In the summer of XX/XX/XXXX, I was asked to leave the campus of XXXX XXXX University ( XXXX ) in XXXX, TX due to a XXXX XXXX XXXX issue. I was, at the time, living in a set of apartments on the campus of XXXX that were owned by XXXX XXXX XXXX, XXXX. The property on which the apartments were located was owned by XXXX and so when I was asked to vacate the XXXX property I was forced to leave my apartment due to it being geographically located on XXXX property. I did not do anything to break the lease agreement of the apartment complex and I reached out many times to verify that they had filled my " unit '' to which I could not get an answer from the management service themselves. These apartments were leased out by the room in a " pot-luck '' roommate fashion and so I really only rented out one room or " unit '' in that apartment. Upon my departure, I confirmed with one of my previous roommates that my " unit '' or bedroom had been rented out to another tenant just under a month after my vacating the premises. My last payment to XXXX XXXX XXXX was in XX/XX/XXXX or XX/XX/XXXX but the date that the account was reported to be open on XXXX, Transunion and XXXX is XX/XX/XXXX. This account has been on my credit report for nearly seven years, in error. I have since received treatment for my XXXX XXXX XXXX, I have been in recovery from all XXXX XXXX XXXX for nearly 4 years and am currently in the process of getting ready to purchase a home. I discovered that the remainder of the rent that I would have owed if I stayed in that apartment had been reported against me to the credit bureaus, such as XXXX, Transunion and XXXX, and I now have a {$4400.00} charge sitting on my credit report. I have done some research and found that the apartment complex is not allowed to collect double rent on any unit at any time. I feel that these fraudulent charges have been placed on my credit report in error.

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 2023-05-19
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received an email from Wells Fargo on XX/XX/2023 about a loan servicer transfer to a company called " XXXX XXXX '' occuring on XX/XX/2023 - this does not appear to comply with the notice requirements of XXXX which requires 15 day notice. The return email address was not wellsfargo.com. but instead XXXX. Upon independent verification by phone Wells Fargo at a known number they indicate the transfer of mortgage servicer is taking place on XX/XX/2023 and emailed me a pdf letter with the date of XX/XX/2023. I received no notice or alert about this letter being generated and have not received the letter by mail - I would there for have no reason to go looking for it. 

It is my opinion that this process is not in compliance with 12 CFR Part 1024 ( Regulation X ) Subpart A - General Provisions 1024.33 and should not be occurring on XX/XX/2023 because proper notice was not given. Posting a pdf letter to an online account is NOT NOTICE - there is no reason for me to check this account every day looking for notices - notice requries a positive action to reach out to me by the financial institution which did not happen here. 

Reading about the new servicer there appear to be signs of growing too fast with many consumers falling victim to the transfer process and very poor communication resulting in negative credit reporting actions as well as delinquencies when none would have existed without the transfer occurring. This is a sign of a problem that CFPB should address. 

I contacted the new servicer who states that I may not be able to make a payment with them on XXXX XX/XX/2023 due to delays in setup of the account- this is not acceptable and again does not appear to comply with 12 CFR Part 1024 ( Regulation X ) Subpart A - General Provisions 1024.33.

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 2021-09-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My checking account has overdraft protection and will automatically debit my savings account if overdrawn. At some point USAA FSB reversed this so my savings was being protected by my checking account. My checking was overdrawn and a charge was returned to a merchant and I was charged a fee. When I called USAA FSB admitted all this but were not able to fix the problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I had purchased a car back in XXXX and the dealership added additional coverage service contracts to my loan without informing me. The next day I went back to them to have the lien revised but they refused and said they couldnt do this. They told me In order for me to cancel this I had to wait 3 month and then come to them to cancel the contracts. And promised me that I will get all my money back. When I went back to them they gave me the runaround and told me they will take care of it. After almost a month, they didnt and I called the service contract and cancelled the policy in XXXX. 
Now the service contract service deducted {$1000.00} from the contract and balance of the check was sent back to dealership. They still didnt send it over to lien holder. Why should I be charged XXXX for something that I did not purchase. I would like a full refund sent back to my lien holder. Its been 9 months and I going in circles. What is the next step I need to take Please advise and help Thank you

Company response to consumer: Closed with monetary relief