BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-09
Company: Statebridge Company
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I do not know this company. I have never signed any agreement or borrowed any money or shared my credit information with this company. All known debt associating with me has been settled in full or discharged in full ; through a bankruptcy, liquidation or payment in full within 36 months. I do not know or have any record of any new debt I owe to anyone. No outstanding debts show up on my credit report. This company began sending statements out of the blue. I have sent them multiple Debt Validation requests, Proof of Claim requests and Dispute of Alleged Debt with no avail. They have been leaving voice mail messages to a phone number multiple times, and they wont stop calling. In recent months, I sent two Dispute/Debt Validation requests via certified mail ; one was confirmed delivery on XX/XX/2020, and the other was confirmed delivery on XX/XX/2020. I have not received any response to the debt validation requests / debt dispute notices as of today, but I continue to receive their calls and statements. I dont know how to stop them from calling and sending statements that I do not believe I owe to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I received a US Bank Reliacard in the mail XX/XX/2020. I did not ask for it, I can not make it work. I think the us government is sending me money via this card, and I am unable to access the funds, and unable to obtain a balance on the card. I tried two different phone numbers, and they are too busy to speak with me, so I am unable to solve the problem thru US Bank. the numbers I tried are XXXX and XXXX. 
So I think my US Bank funds are held up in limbo. Can you contact them and have them contact me so I can use the card and obtain my funds? thanks XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: NY
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 recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$24000.00}

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 2022-05-13
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:
accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I was approved for a Walmart credit card yesterday on XX/XX/2018 and they refuse to send out my credit card and told me that I have to go through another security verification and I just fax in my notarized documents and my id and they wanted me to do a phone number verification and I explain to them I only have one working number they said its not a good number and this credit card account is showing up on my credit reports as a active account and they refused to mail my card out to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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 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. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-13
Company: ALLY FINANCIAL INC.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
On XXXX, Ally mailed a letter to my home indicating that my mortgage assistance application was incomplete. Ally requested additional documents no later than XXXX. On XXXX XXXX, I faxed Ally the requested documents : 30 days earnings, hardship letter, homeowners insurance declaration page and real estate tax bill. On XXXX, Ally mailed a letter to my home informing me that the deadline to submit the missing documents has passed and unable to review my application for mortgage assistance. 
On XXXX, I called Ally and spoke with one of their Reps, XXXX XXXX, who confirmed that Ally received a fax with all the requested documents on XXXX and XXXX XXXX XXXX stated that she will advise the Loss Mitigation Department to review my completed application for mortgage assistance. 
On XXXX, I contacted Ally and spoke with a Rep inquiring about the status of my application for mortgage assistance. I was informed by the Rep that I would need to reapply. I immediately requested to speak with a supervisor. The Rep verbalized that a supervisor was not available to speak with me regarding my concerns and to expect a call from a supervisor sometime during the day. I waited throughout the day on XXXX and I never received a call from Ally. 

Please review the attached letters, faxed documents on XXXX including a print of the faxed log reflecting that all documents were received by Ally on XXXX. 

Ally is deceiving financially distressed homeowners, in particular, XXXX by falsely promising to preclude foreclosure and providing them with mortgage assistance. I am a victim of their deceit. They are in violation of the Mortgage Assistance Relief Services Rule. I will be filing additional complaints with other agencies.

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 2022-11-13
Company: Experian Information Solutions Inc.
State: MS
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 the accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name :XX/XX/XXXX# : XXXX Account Name : XX/XX/XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX 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 with my written instrutions. 
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 XXXX 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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX BV XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX. XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX  XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX - XXXX XXXX Inquired on XX/XX/XXXX 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 2020-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Hi cfpb, please send the following to NEIMAN MARCUS CARD  and capital one. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
I appied for a {$1000.00} loan and was initially approved by XXXX XXXX. Then, at the last minute, the loan request was denied because of some policy of the XXXX concerning my academic status in the school. My contention is that the claim that my academic status is bad is fraudulent and caused by mismanagement on the part of the school teachers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX, XXXX and Transunion are reporting that I have inquiries on my report that I have no knowledge of.

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 2020-06-30
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried to get a modification or forbearance or sing they did not need the information, they explained that my am getting confused on what is going on. I feel I am being strung along. Ocwen and PHH are both not being honest with me on what is going on. I want them investigated as to why all the information they provided me was wrong. Since XXXX I lost my job and have tried to find a way to pay, I even file for bankruptcy but lost my job again. When I got back on my feet I tried for a forbearance and modification for the over 9.75 % rate and the additional 5,5 % added to arrears portion making it over 14.75 % I asked for help and they gave me all fictitious information that was wrong. I finally got a fulltime job in XXXX but was turned down twice for assistance. 
My problem is that twice I received letters asking me to send information to them so they can review for assistance. I sent what was required they kept stating they did do modifications on my type of loan. I kept seI want the right to directly to investor XXXX XXXX  and let them see I am now able to pay and make a direct request to XXXX XXXX, know that is would be a win win situation. They save money on foreclosure and I get to stay in my home, I build over thirty-eight years  ago on a lot my father bought over forty years ago, I want to stay and pay. I need them to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
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:
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX. 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 more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666-B 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 explanation
Consumer complaint received 2022-05-13
Company: Mullooly Jeffrey Rooney & Flynn
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have an outstanding debt with XXXXXXXX XXXX. I called to settle this debt in XX/XX/XXXX. I am not residing in the United States, have no current plans to return to the United States, and I have expressed this to the XXXX representative. During the call, a settlement amount was discussed. The XXXX representative assured that a letter would be sent to my mailing address for me to confirm the settlement amount, however, this never happened. 

I called XXXX back XX/XX/XXXX, to inquire about the letter. There was no explanation, and the settlement now " needed to be renegotiated ''. I reiterated that I was unable to pay the full balance, and that I was outside of the country. Due to me not having a job, or stable income, I decline a payment plan. I let the XXXX representative know that I was able to make a lump sum payment but a payment plan was unrealistic. A settlement was not reached and I was told the debt would be sent to a law firm. 

XX/XX/XXXX, I received confirmation that the debt was sent to a law firm : XXXX, XXXX, XXXX, XXXX. 

I contacted the law firm XX/XX/XXXX, I was told a letter was sent to my mailing address XX/XX/XXXX. This was never confirmed, I am not there to receive the mail personally and my family did not receive it. I mentioned that I wanted to settle this debt, explained my financial troubles and that I am living outside of the country. A settlement amount was offered that I had to decline. The law firm representative suggested that I get a job and call back when I can pay the amount offered. 

I spoke to another representative XX/XX/XXXX. I further stressed that I am living outside of the country on limited funds. I asked for a lower settlement amount, it was denied. I was told that all I could do was keep in contact ; I should call back. I explained that I am living in XXXX, offered my phone number and email address. The rep refused email communications. I was informed that a summons was sent to my mailing address XX/XX/XXXX. 

I called and spoke to a law firm representative XX/XX/XXXX. I stated that I still wanted to settle my outstanding debt. No change in the amount was offered. I was told that I am being sued and it was suggested I seek legal advice. I confirmed that a civil case docket exists and it was filed XX/XX/XXXX. 

I did seek legal advice, and I was encouraged to contact the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Nelnet, Inc.
State: CA
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:
My payment amount is not being evenly dispersed to all my principle balances. Instead nelnet is applying the total amount to the interest portion of the loan rather than the principal which will elongate the loan further. Ive also asked if there are options for me refinance or lower interests rate but was told to visit StudentAid.Ed.gov. 

As a graduate student, mother to be, and full time worker I'm hoping there are more options for people like myself who are struggling with these large companies like Nelnet. Please put regulations in place and make sure our money is being put towards our loans and not the companies pocket.

Company response to consumer: Closed with explanation