BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX a fraud account I have the FTC report filled out my information was stolen thru data breach I have all documentation to show prof I would like that account that dont belong to me to be removed

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 2023-09-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX Notification from XXXX XXXX about Your Credit Card Application Indicates a score an XXXX Credit Score of XXXX. 
XXXX is not reporting this score!! 
Multiple unauthorized inquiries by auto dealerships in order to attempt to acquire vehicle funding to sell vehicles. 
I DID NOT AUTHORIZE THESE INQUIRIES!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Experian Information Solutions Inc.
State: AR
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 is XXXX XXXX and I am submitting this Complaint to you once again to request that you update the status of the following accounts. I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 
XXXX XXXX Balance : {$340.00} XXXX XXXX  Balance : {$3100.00}. Also, I previously requested that you send me copies of documents resulting from your investigation and yet I received nothing. Under the Fair credit Reporting Act, it should have been expected that the disputed accounts be corrected.

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 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Apond checking my credit report, I have notice that I have had several fraudulent accounts and inquiries on my report. I have reached out to the credit report agencies to fix this problem due to identity theft.

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: Experian Information Solutions Inc.
State: NC
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 non-monetary relief
Consumer complaint received 2023-03-03
Company: John C. Heath, Attorney at Law, PLLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Lexingtonlaw.com - charged me fees without sending any kind of notice. There was no email, phone call, letter, nor text message about these fees being applied. I only discovered them upon checking in the web portal account details. When I first chatted in about the fees, an agent agreed to refund the most recent two, and that a manager would call me back. Well, that never happened. Then the next few times I called and text messaged in, they refused to issue any refunds. 



Invoice # Date Status Description Amount XXXX XX/XX/2022 PAID Monthly Subscription Fee {$23.00} XXXX XX/XX/2022 PAID Monthly Subscription Fee {$8.00} XXXX XX/XX/2022 PAID Monthly Subscription Fee {$59.00} XXXX XX/XX/2022 PAID Late Fee {$9.00} XXXX XX/XX/2022 PAID Monthly Subscription Fee {$45.00} XXXX XX/XX/2022 PAID Late Fee {$9.00} XXXX XX/XX/2022 PAID Monthly Subscription Fee {$59.00} XXXX XX/XX/2022 PAID Monthly Subscription Fee {$59.00} XXXX XX/XX/2022 PAID Monthly Subscription Fee {$59.00} XXXX XX/XX/2022 PAID Late Fee {$9.00} XXXX XX/XX/2022 PAID Monthly Subscription Fee {$59.00} XXXX XX/XX/2022 PAID Late Fee {$9.00} XXXX XX/XX/2022 PAID Monthly Subscription Fee {$59.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX  XXXX {$0.00} XX/XX/XXXXXXXX XXXX  XXXX {$760.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} 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 non-monetary relief
Consumer complaint received 2021-03-17
Company: EQUIFAX, INC.
State: CA
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 need expedited removal of the account that has been re-aged on my credit report. The Date of First Delinquency field on previous reports contained an incorrect date and I disputed this date over and over again with both the CRA and the Furnisher and it was never corrected, always verified as accurate. Now the Date of First Delinquency field is blank, showing no date at all. This date is important in order to calculate the 7 years for the account to be removed. Please note : Per the complaint instructions, attachment does not include my personal identifying documents.

Company Involved : Equifax Information Services, LLC ( CRA ) Company Involved : UTAH XXXX XXXX XXXX XXXX ( Furnisher )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I received an statement dated XX/XX/2019 including fees and amount past due with a new balance of {$840.00} and Synchrony Bank is refusing to properly and accurately solve my dispute bellow : I made several attempts to receive assistance from Amazon and Synchrony Bank but I receive extremely poor assistance and no assistance at all while requesting account number XXXX to be updated and to investigate any unpaid balance and phony gift cards as form of credit. Such account should have a credit balance and it should be mailed to my address XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX and payable to XXXX XXXX XXXX. 
All or any correspondence must be in writing and sent to me by certified mail. 
You should send me a refund, investigate with any merchant the validity of any unpaid balance and or send me the merchants and reason for the unpaid balance information for me to escalate the situation personally. The account number regarding this matter should be permanently closed with zero balance. 

Respectfully, XXXX XXXX XXXX____________________________________XX/XX/2019 CC : CFPB Amazon and Synchrony Bank are not responding to solve disputes and hide credit by not disclosing that returned items are not credited to store card balance saying credit was applied but never applied and when asked they say a gift card was issued but nothing is issued. 
I am not aware if business malpractices are still on going because I closed my account. 
The real resolution is stated above and Synchrony Bank must stop calling me so many times within a day because I did call Amazon and Synchrony Bank many times and they both did not solve my request to properly apply credit and close the account. 
In addition, I don't accept any phone calls because all has to be in writing and the letter I sent on XX/XX/2019 was ignored and the resolution has become harassment when in fact I should be reimburse for being required to make payments when they both were refusing to apply credit and close the account. 




Feedback XX/XX/19 Company is misleading and deceiving by using old settled data within the account in question and such do clearly avoid my dispute and demand to provide account closure and refund or to directly investigate the any current balance which was not in any shape or form solved.

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: 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

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 2023-03-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I pay my bills via Chase " bill pay ''. On XXXX XXXX XXXX I paid a vendor, XXXX XXXX the same way that I have paid him monthly for the last ten  years. Of all my bill payees, this is the only one that is an individual private company as opposed to a large corporation ( utility company , insurance co, credit card co, phone co, etc ). The payment for this vendor has always been sent as a hard copy Chase check to his home address. I went into my account, selected " bill pay '', entered the amount, checked that it was withdrawing from the proper checking account and clicked " pay ''. 

A month later, the vendor came to me to tell me that he didn't receive my May payment of {$1400.00}. I looked at my online banking and after careful scrutiny, saw that it went to an email address XXXX via XXXX. The vendor told me he does not have an email address associated with his business and doesn't know whose email that is. CHASE or XXXX assigned that email address, not me! 

I went to my bank branch where I have had a long standing relationship and they told me unfortunately there is no way for Chase or XXXX to trace a transaction once it is sent and that I probably have no recourse! They told me to file a complaint with the Escalation Dept. of Chase. I filed the complaint and after several months, they let me know that there is nothing they can do and that by me clicking on " pay now '' when entereing the transaction, I authorized the transaction and absolved them of any wrongdoing. I was not satisfied with the outcome, so they told me to call the Chase Executive Office and file a complaint, which I did. After more that a month, without anyone contacting me for any further details or discussion, they left me a phone message that my inquiry and case is closed.

If you look closely on the attached document, there is a very small " z '' is next to the P icon for that vendor ( attachment 2 ), meaning it can go via XXXX. It wasn't there several months prior ( last 3rd attachment ). Chase added the unknown email address to make it eligible for XXXX. Chase 's menu choice for " pill pay '' and " XXXX ' ARE THE SAME MENU. I DID NOT choose " XXXX '', it chose for me!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
We have been issued foreclosure notices by Wells Fargo on a second mortgage. The reinstatement quotes include lender placed insurance. We have had insurance without lapses for the entire period indicated by their quotes. We have provided them with proof of this on many occasions. They have not corrected it and are continuing on this foreclosure mission. They will not accept any payments from us unless it includes the insurance premiums.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
1. Told XXXX servicer loan XXXX of financial hardship due to the COVID-19 emergency and are requesting a forbearance. 
The CARES Act grants the right to forbearance by submitting a request, it was on XX/XX/2021. 
2. XXXX XXXX sold to XXXX new servicer Rushmore XXXX XXXX. Loan # XXXX. Rushmore service ignored documentation sent over by XXXX XXXX ignored documents of XXXX XXXX as trustee executor. Ignored Cares Act and propagated false default. Would not speak to XXXX XXXX did not accept faxes letters of trustee nor XXXX and Care Act documents. Trapped this mortgage into a situation that could not be cured due to their reluctance to talk to XXXX as the trustee and look at the proper documents. 
Uncooperative did not designate fact and downright predatory in subjugating Miss XXXX no processing time before sending a default letter the first week of XXXX when supposedly there is a change of servicing and mortgage holder is allowed 90 days for processing unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/, MOHELA uploaded a letter in my message center notifying me that my account was placed on an " Administrative Forbearance '' due to more processing time needed on their behalf to update my account information. The letter was dated for XX/XX/XXXX  but uploaded on XX/XX/. This is in regards to me updating my *family size* for my already- approved IDR SAVE plan. 
The administrative forbearance was said to begin on XX/XX/XXXX  until XX/XX/3, where no payment was due towards my loan and my loan amount was set to {$0.00}. 

I called immediately on XX/XX/XXXX  and clearly asked for this Administrative Forbearance to be removed, as I do not want it to hinder my progress towards achieving Public Service Loan Forgiveness ( PSLF ). The XXXX $ payment would have jeopardized the month of XXXX ( no payment due ) to not count as a qualifying month towards my PSLF. 

Mohela submitted the paperwork to remove the " processing forbearance '' on XX/XX/. The customer service representative ( in-training ) said the request should take 3-5 business day from that day. 

I called MOHELA on XX/XX/, which was the 5th business day from my request being submitted formally. I also called on XX/XX/, which was the 10th business day from my formal submited request. The forbearance is not yet removed. 

XXXX I willingly made the payment of {$35.00} towards my account even though no payment was due for XXXX. This is the amount that was determined for me following my IDR SAVE confirmation. 
XXXX- Upon calling on the 10th business day to check in on my request to remove the forbearance, the agent told me that Processing forbearance will count towards PSLF. Its not your fault its because we are backed up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: EQUIFAX, INC.
State: MA
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:
EQUIFAX furnished a consumer report in my name including a bankruptcy discharge, which was obtained and provided without permissible purpose pursuant 15 USC 1681b ( a ) ( 2 ) ; such actions also violate my right to privacy under 15 USC 1681 ( a ) ( 4 ). In addition, EQUIFAX claims that XXXX XXXX is the source of bankruptcy information although XXXX XXXX does not include a bankruptcy. With that said, EQUIFAX has neglected to assure the accuracy of the consumer report they've furnished in my name pursuant15 USC 1681e ( b ). As a result, EQUIFAX is civilly liable for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : 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 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 2023-10-06
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Mohela is currently stating that XX/XX/2023 is not a month that counts as a payment month for Public Student Loan Forgiveness because that was a month without a bill. How can they not count it IF NO BILL WAS PROVIDED? Per the repayment restart information, payments were to resume in XXXX. After counting months that were in forbearance due to the pandemic, how can they not count a month when there was no bill provided to pay??

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 2023-04-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The Following Inquiries Are Not Mine, I AM STATING THAT I EXPLICITLY DID NOT AUTHORIZE THESE CREDIT INQUIRIES. They are invalid and were not performed by me - thus please delete them. 

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 Experian Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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