BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This account was never late for XX/XX/2023 In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an 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 2023-08-19
Company: M.A.R.S., Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Written letters of cease and desist dated XXXX, and XX/XX/2023.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance : {$530.00}

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I ama victim of identity theft. The paperwork I have sent to the credit agencies is not being attached to my disputes. They say that the address is not clear but it is. And I have filed a police report and a FTC report. And I have asked for copies of the verification process according to the FCRA and am not getting anything back. This is a clear violation and the FCRA says that the agencies are violating the law and can be fined.

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 2023-10-06
Company: Experian Information Solutions Inc.
State: FL
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:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 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 2023-09-21
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I still disagree that my balance is incorrect and researching with the information that the government site provides, I was able to realize that they placed my account into forbearance numerous times, sometimes for only one day and then the amount of times my account had capitalization doesnt add up. I want statements with all of the times my account was placed into forbearance, all of the times it had capitalization, all of the reasons and all of the times my account was moved into/out of payment plans. I also want to know how many payments count towards each loan. Its crazy I have paid on these for a decade almost and owe quite more than I borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
CFPB- 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM 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 2023-08-13
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I have disputed the same accounts multiple times and after the so called investigation by the credit bureaus it has not been resolved. With the indisputable truth and failure to disclose all information on credit reports even after disputes and still withholding information of my credit report from me. In regards to the following accounts : XXXX account number XXXX and account XXXX account number 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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 monitors illegal internet sites on the dark web and notifies me if a match to my personal information is detected. Unfortunately, my Social Security number ( SSN ) has been found on the dark web. 

It may not mean I was a victim of identity theft. However, identity thieves can use my SSN in a variety of ways including to apply for credit in my name, file a fake tax return or obtain medical care. It can also be used to steal Social Security or unemployment benefits or provided to law enforcement in connection with a crime. 
Additional Info Details First 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX D.O.B. : D.O.B. FOUND Found WithSOCIAL SECURITY NUMBER. I have contacted XXXX  fraud department and was made aware of the 5 numbers listed under my name, none of which I have had direct access to only one was active. 

XXXX XXXX fraud department these are not active but were in the past. 
( 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 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 an 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 moreover 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 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am not liable for this debt with XXXX XXXXXXXX XXXX  for {$1200.00}. I do not have a contract with XXXX XXXX XXXX, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.

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 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. Among others. This is grounds for removal.

They also violated my rights under : 15 USC 1681 section 602A states I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : that no consumer reporting agency may make any consumer report containing any of the following items of information.

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.

XXXX, TransUnion, and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquiries/accounts below be removed immediately per my instructions enclosed :

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 2024-01-07
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My Mortgage was sold to newrez. Newrez seems to be unable to recieve information or do math. We double paid XXXX payment they could not find, and we have reported the insurance 5 times. They do not respond. They now are charging me for insurance and have setup an impound account XXXX communication, does not seem to process any data, just terrible

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: Advance America, Cash Advance Centers, Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
This loan with express check advance was brought out by advance america or XXXX XXXX I paid this payday loan off in XXXX. I spoke with the state system XXXX they advised me this is still showing unpaid. I advised the three companies I can provide a paid in full letter I received. They still have not updated information in the state system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There are unauthorized accounts and inquiries that need to be removed from my credit profile. I am human there is no XXXX party involved. I have reported to XXXX and XXXX XXXX XXXX. I have attached documents provided.

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 2019-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
BK and a few accounts are on my report that's not mine.

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 2023-11-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My wife and I decided XXXX day to try XXXX XXXX because we heard of their great service. So, on XX/XX/XXXX, we went to XXXX XXXX and got XXXX cell phones. XXXX XXXX XT, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. We tried the cell phones for XXXX days and we were very disappointed with their weak coverage in our area. We had to go outside the house to get at least XXXX bar. You can't do that when it's raining. I always use XXXX to listen to music in my car, but with XXXX XXXX I couldn't even download the XXXX that comes first. Finally, XXXX days later, me and my wife decided to take back the XXXX-cell phones where we initially got them from. We took the cell phone back before the XXXX XXXX  expired. XX/XX/XXXX, XXXX cell phones were return to XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. I have my paper receipt that states all XXXXcell phones were returned on XX/XX/XXXX. A XXXX weeks later, I got a letter from XXXX saying that I owed around XXXX USD. I went to the XXXX store with my XXXX  receipts, and they told me to give it a XXXX days to clear that I didn't owe anything. I went back XXXX more times to the store since the bill kept arriving at my mailbox. I was finally told to talk to XXXX main office because it was clear on their side. To make matters worse, a XXXX XXXX started asking for payment to cover a missing cell phone. As a result, I contacted XXXX support office more than once. Phone calls always turned long and with the same result. I quote here XXXX agent " I see that we only received XXXX phones at our warehouse. This is why you are being charged with the missing phone. Do you have proof that you returned all XXXX cell phones? '' I did email copies of my receipts. But I never got confirmation when asked to get XXXX. I was always told " I am still working on this, but I will send to you confirmation about this case ''. Never received anything from XXXX. However, this XXXX dispute has caused a negative impact on my credit report. This is not fair to me that I am being held responsible for a cell phone that did not make it to the warehouse allegedly. I got XXXX phones at the store, and I returned the same XXXX phones to the same store on time. I have receipts of those XXXX cell phones returned. My credit report has been tarnished from XXXX to now. How am I responsible for the delivery of goods from the store to a warehouse?

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 2018-10-05
Company: FIRST ADVANTAGE CORPORATION
State: MN
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: Public record information inaccurate

Complaint:
I recieved a copy of my background check. The information below in not correct. I have never lived in XXXX County. I have only ever lived in XXXX County. Someone must have used my name or information. Please remove this from my criminal background check. 


Date of Search XX/XX/XXXX Search Period XX/XX/XXXX - XX/XX/XXXX Address Covered XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address City Covered XXXX Address County Covered XXXX Address State Covered MN Location XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX COUNTY Given Name Searched XXXX XXXX XXXX Source Status History Status Date Description XX/XX/XXXX XXXX XXXX Search in progress. Estimated completion by XX/XX/XXXX Order Process History Date Description XX/XX/XXXX XXXX XXXX Search In Progress. 
XX/XX/XXXX  XXXX XXXX Search In Progress. 
XX/XX/XXXX XXXX XXXX Record Judged. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Select Portfolio Services own my mortgage loan On XXXX XXXX XXXX I wired SPS {$20000.00} Wire instructions provided on SPS website Verified the account number on SPS website is same as XXXX  wire status Now a year later SPS wants to foreclose Verified SPS did not credit my mortgage account with {$20000.00} payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have two issues with BBVA USA 1.My financial advisor XXXX XXXX and XXXX XXXX from BBVA Compass start managing two of my Life Insurance in XXXX XXXX.1 Insurance company XXXX, Policy number XXXX, Beneficiary XXXX XXXX Trust , Face amount {$15.00} XXXX XXXX 1.2 Insurance company XXXX  XXXX, Policy number XXXX, XXXX XXXX XXXX XXXX, Face amount {$18.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX / Tel. XXXX Building / XXXX XXXX XXXX, XXXX, CA XXXX / XXXX  XXXX XXXX, XXXX Senior Vice President | Financial Advisor III BBVA Compass INVESTMENT SOLUTIONS, a division of BBVA Securities Inc. 
Tel. XXXX XXXX XXXX - Fax XXXX XXXX XXXX - Mobile XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX Right now financial adviser XXXX XXXX and XXXX XXXX any officer of BBVA Compass dont give my any informations about my Life Insurance They close my collateral account {$1.00} XXXX XXXX I did not receive any money back and they control my two Life Insurances Please help me return my Life Insurance 2.BBVA USA close my account XXXX stole {$710.00} and i filed complain to FDIC Here is email from FDIC XX/XX/XXXX Ref. No. : XXXX Re : BBVA USA ( XXXX XXXX  ) Dear XXXX XXXX : Thank you for your correspondence, which was received by the Federal Deposit Insurance Corporation ( FDIC ). 

The FDIC 's mission is to ensure the stability of and public confidence in the nation 's financial system. To achieve this goal, the FDIC has insured deposits and promoted safe and sound banking practices since XXXX. We are responsible for supervising state-chartered, FDIC-insured institutions that are not members of the Federal Reserve System. 

Based on our review of your correspondence, the bank you referenced is under the direct supervision of the Consumer Financial Protection Bureau. We are forwarding a copy of your correspondence to this agency at the address below : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, IA XXXX Website : www.consumerfinance.gov XXXX : XXXX Please direct any future concerns to the Consumer Financial Protection Bureau. Thank you for taking the time to submit your correspondence. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Telephone : ( XXXX ) XXXXSK-FDIC Fax : ( XXXX ) XXXX cc/enc : Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/23, I lcvd a txt alert from Synchrony Bank about fraudulent activity on mu Lowes acct, I spoke with rep and account closed. 

XX/XX/23 I rcvd in the mail a XXXX credit card opened in my name with a charge of {$2700.00}. Spoke with Fraudulent dept, the acct was closed. 

XX/XX/23 I dcvd a notice in the mail from XXXX that someone was attempting to open a XXXX credit card in my name, spoke with Fraud dept and application closed

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