BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
These following accounts furnished my information without having my written consent and according to the Fair Credit Reporting Act I have the right to privacy. please delete the following accounts from my credit reports immediately : XXXX NUMBER XXXX BALANCE XXXX XXXX XXXX XXXX XXXX-account number XXXX balance {$2000.00} XXXXacct number XXXXbalance {$480.00} XXXX XXXXbalance {$250.00} XXXXXXXX XXXX XXXX XXXX-acct XXXXhighestbalance {$600.00} XXXXXXXX XXXX XXXX XXXX- acct number XXXX {$150.00} XXXXXXXX XXXX XXXX-act number XXXXbalance {$200.00} XXXX XXXX XXXX XXXX XXXXacct number XXXX-balance- {$1300.00} XXXX XXXX XXXX-acct number XXXX balance {$99.00} XXXX XXXX XXXX {$140.00} XXXX XXXX acct number XXXX balance- {$170.00} XXXX XXXX XXXX XXXX  number XXXX balamce {$5700.00} *XXXX  XXXX XXXX  acct number XXXX balance {$350.00} *XXXX XXXX act number XXXX balance {$820.00} XXXX act number XXXX balance {$300.00} XXXX XXXX XXXX XXXX XXXX balance {$460.00}

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 non-monetary relief
Consumer complaint received 2019-12-16
Company: Bread Financial Holdings, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a loan for XXXX XXXX XXXX  through XXXX   comenity capital. The loan was for 2 years interest free which was due on the XXXX of every month from the when the loan was approved. For two years, the loan was paid monthly on time on the XXXX until the end and when the loan was paid off completely, i recieved another statement stating i owed accrued interest for the loan since it was not paid by the XXXX XXXX. This is highly egregious and unfair since most of my payments were on time. The biggest issue is that the company should have made the due date on the XXXX instead of the XXXX to avoid the customer pay accrued interest and i feel this is a very deceptive and fraudulent  practice to scam the customer. I spoke to customer care employee #XXXX  who goes by the name XXXX and he stated there is nothing the company can do. I have paid the full amount of interest so that more interest does not accrue but i am beyond furious that this has happend to me and i wish to have this investigated by the appropriate authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Hello my name is XXXX XXXX and XXXX have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mother refinanced her home in 2008 for the amount of {$45000.00} through Wells Fargo Home mortgage and today she currently owes {$34000.00} and this is after I have paid over {$50000.00}. The major problem that I can see is that Wells Fargo approved this loan for her and she was not financially capable of paying it. At the time of approval, my mother was deemed XXXX by the social security administration and was receiving benefits roughly in the amount of {$700.00}. The other issue why she wasn't qualified is the fact that she had a car loan in her name and a judgement on her credit profile. I strongly believe that the underwriting process was fraudulent and now she's having trouble paying her mortgage. The other issue that shes on payment deferment due to covid and they are charging late fees every month.

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 2021-07-21
Company: Nelnet, Inc.
State: TX
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 would be my 2nd complaint about Great Lakes. The company responded on XX/XX/2021 through the CFPB in response to my initial complaint dated XX/XX/2021. The company keeps sending me over the same documents nothing bearing my wet ink signature. I have sent in affidavits of truths and affidavits of fact that have yet to be rebutted. I know that an affidavit must be rebutted by another affidavit. If it is not rebutted then the initial affidavit stands as true and factual. I have asked that the Great Lakes stop furnishing my information to the consumer reporting agencies without my consent. They have ignored my request. ( 1 ) Great Lakes has failed to provide me with any written documentation or proof in your initial communication which I received as to who purchased any alleged student loans under any guarantee agreement bearing my name and personal identifying information. ( 2 ) Proof of the entire chain of custody of each promissory note you claim that the entity you are collecting for was required to purchase, including but not limited to, copies of the guarantee agreement for each of the alleged loans contained within your initial communication to me ; ( 3 ) Please send me a full accounting of ALL sums due that have been applied to this alleged loan balance, including alleged default insurance payments, credit default swap payments and any other insurance that was purchased to cover the entirety of the loan should an alleged default occur, including correspondence showing the payout dates of these alleged policies ; ( 4 ) If this loan was securitized, along with other student loans, please provide me with the name of the trust and location of its trustee, including its full contact information and telephone numbers ; ( 5 ) Please provide me with the complete name and address of the original lender and/or creditor and all correspondence you have in your possession related to these alleged loans. ( 6 ) Please provide me with the exact location of my purported loan documents, signed by me, including a direct phone number ; and ( 7 ) Please provide me with copies of all correspondence between your agency and the U. S. Department of Education, including all loan documents, and any documents you have in your possession, bearing my legitimate signature, that proves you have the right to collect this alleged debt, including any agreements signed between you and the alleged creditor you claim to be representing in your initial communication to me. Lastly, please send me your rebutted affidavit if you do not agree with my claims and testimony.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please see attached letters for detailed breakdown down of complaint. Anytime a charge off is reported it is now becomes income. Therefore it should not be reported on my consumer report. 15 USC 1681e-b Compliance and procedure states that the reporting company must maximum accuracy when reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: VA
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:
On or about XX/XX/2023, I have recently encountered instances where my attempts to dispute certain accounts on my credit report have been met with responses indicating that my credit file can not be located. This has resulted in difficulties in addressing inaccuracies and discrepancies that are negatively impacting my credit standing, risk assessment, and overall financial well-being. 

Furthermore, these challenges raise questions about the credit reporting agencies ' adherence to the Fair Credit Reporting Act ( FCRA ) and their responsibilities in providing accurate credit information to consumers. It is my belief that these issues may be hindering the consumer empowerment aspect of credit reporting and potentially compromising data security. 

This practice has resulted in significant harm to my financial standing and has raised questions about the ethical and legal practices of your organization. I recently discovered, to my astonishment, that multiple accounts are appearing on my consumer report, indicating that your agency has been furnishing information without my explicit written consent. This practice not only undermines my ability to manage my financial affairs effectively but also jeopardizes my privacy rights as a consumer. I believe that this disregard for the requirement of written consent is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and potentially other applicable regulations. 

I want to bring to your attention that I have taken this matter seriously and have filed a complaint with the Federal Trade Commission ( FTC ). I am committed to seeking appropriate actions to address the harm caused by these practices and to ensure that such violations do not continue to impact consumers like myself. 

Attached to this letter, you will find a copy of my consumer report as evidence of the multiple accounts that are inaccurately appearing on my credit report without my written consent. Furthermore, I have included a copy of UCC-11, which shows that I do not have any liens or loans associated with my name. 

I will also include AGAIN a copy of my Drivers License, address, and social security card. Because every time I make a dispute. the 3 bureaus can not verify who I am

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: EQUIFAX, 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, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX have violated my rights. 
15 U.S.C 1681 Section 602A states I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish my account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I was apart of a data breach that exposed my personal information. As a result, there have been numerous unauthorized inquires placed on my credit report from fraudulent activity.

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 2023-03-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Was contacted by Portfolio recovery on XX/XX/23 about a potential debt owed to XXXX XXXXXXXX. I told them I was not aware of such debt and asked them to please send me proof of this debt and gave them my mailing address and asked them to not contact me via phone again. They called again on XX/XX/23 and I again told them I already requested proof of this debt and to stop contacting me via phone. They called again on XX/XX/23 and I refused to answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 account below has violated my federally protected consumer rights to privacy and Confidentiality under 15 USC 1681 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 1681Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer report an 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 enter dates the report by more than seven 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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A , states I have a right to privacy. 

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

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or 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 2021-02-18
Company: American First Finance, 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: Account information incorrect

Complaint:
XXXX/XXXX XXXX Balance Owed : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX  XXXX Balance Owed : {$1500.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX/XXXX  XXXX Balance  Owed : {$22000.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX Balance Owed : {$4200.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

XXXX/XXXX  XXXX Balance Owed  : {$8200.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX  XXXX  XXXX Balance Owed : {$2400.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX XXXX  XXXX Balance Owed : {$3600.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

AMER FST FIN XXXX Balance Owed : {$3200.00} - Please figure out precisely why the date of last reported is different from other bureaus, this is a violation. Also, give documentation to verify all the charges and credits in this claimed account that caused the maximum credit number you've exhibited in my file. My request to give these records is a standard information request according to my legal rights honored within the fair credit billing act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-03-18
Company: LoanCare, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have my mortgage and escrow account with LoanCare LLC. In the process of my mortgage being transferred to LoanCare LLC, my taxes were short paid, I paid them and all late fees due to the timing of taxes and the timing of sale and transfer of loan companies. Then they said they paid my XX/XX/2020 taxes but the town never received them. I have contacted them many times about this with absolutely no response. I just want them to pay my back due taxes along with all the penalties and interest ( some of which I have already paid ).

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 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-02-24
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We received a check from FEMA flood on XXXX XXXX for {$71000.00}. It had Citibank plus our names on the check, XXXX & XXXX XXXX, We has an old Citibank home improvement loan which we paid off XXXX. We took the notarized copy of the loan pay off to our XXXX XXXX with the check and they refused to cash it. They said Citibank had to sign off on check. We drove to the XXXX XXXX to Citibank in XXXX XXXX. Talked to Assistant Vice President, Manager, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX, Phone XXXX. He said he could not sign off on the check because it had to do with a home equity loan that was paid off. He sent the check and the notarized pay off letter to CitiBank Mortgage, XXXX XXXX XXXX, XXXX XXXX, SD XXXX on XXXX. It arrived ther on XXXX. It was received by XXXX and left in office. 
Citibank would not answer any of phone calls. We called FEMA Flood. We explained the situation. We sent then the pay off note and a copy of the check and bank info. They agreed to re-issue the check in only our names. They called us back and said the check was cashed on XXXX XXXX, XXXX without our signatures. Back of check said XXXX on back, so they could not reissue our check. We went back to Citibank in XXXX XXXX. They sent the info to their reserach dept in Maryland on XXXX and we still have not gotten our money. We need it for home repairs from XXXX XXXX. No one will help us get our money. Citibank owes us the money. It is our money. XXXX XXXX gave us a case number XXXX. He does not answer our calls and neither does Citibank. We desperately need 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 explanation