BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-26
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:
In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instruction.

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 2022-08-28
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2022 I sent a dispute letter to the 3 credit bureaus to do a proper investigation for the all the incorrect or incomplete information in my credit file..On XX/XX/2022 I received a return receipt USPS for XXXX XXXX On XX/XX/2022 I received a return receipt for XXXX and on XX/XX/XXXX a return receipt for Experian. Experian, XXXX and XXXX did not do a proper investigation according to FCRA and 15 US Code - 1681.I have uploaded my disputed items for inaccurate or incomplete information .This is in violation of my consumer rights.

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 2022-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2016-11-28
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was sold to XXXX and I have not received any information on how to make payments, including a new loan number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Money disappeared and overdraft payments

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 2021-07-11
Company: Franklin Credit Management Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Initial loan amount XXXX +/-, 11.5 % interest rate, 2nd mortgage, closed in XX/XX/XXXX. Been after Franklin for yrs to help modify the mortgage. I have a mountain of documents, never went anywhere ... .The loan changed hands a few times so dont know the original lender. My letter to the State of Oregon is below.

Dear Staff, Hope this email gets to you. I'm having a difficult time with Franklin Financial in modifying my 2nd mortgage on the Oregon home that I purchased in XXXX. I was in the mortgage business that went south in XXXX to XXXX and lost everything ; given the terms of the BK judgment agreement, had to liquidate any assets I held. After BK, my source of income was SS and a XXXX from XXXX XXXX XXXX. The XXXX XXXX XXXX modified my mortgage but was unable to do so with Franklin. At one point I believed we had a mortgage modification agreement. I dont remember the original lender of my 2nd mortgage that Franklin Financial no owns. The interest rate is 11.5 %, crazy in todays financial world. 
In XXXX I elected to move to FL due to health issues and the wife at the time insisted we move. The mortgage holder for my home in FL modified my mortgage, which is current to this day. Staff, I am XXXX years old and now a single dad and raising my twins that are XXXX years old. The wife had medical issues and left the family in XXXX. 
I dont work as I care for the kids. Im a XXXX XXXX the VA has classified and 80 % disable, I have war related issues ; Im not crazy or violent. 

The home is rented now, and the renter has Covid 19 financial difficulties as the rest of us do. I cant throw him out on the street with a wife and child ( ren ). All I seek is for Franklin Financial, in the spirit of President Obamas Making Home Affordable legislation, to modify my mortgage. 11.5 % interest, even today and back in XXXX is totally unnecessary. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX, NJ XXXX Loan No. XXXX Phone for Franklin XXXX Or XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
A fraudulent credit card was opened in my name with XXXXXXXX XXXX. I am a victim of identity theft and my personal information was stolen to open accounts with sofi and other lending institutions. I contacted XXXX regarding this matter, and after investigation they deemed no fraud occurred. XXXXXXXX XXXX  has failed the duty by not doing a proper investigation, only telling me the account is accurate due to the fact a fraudulent/stolen identification was used.

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 2021-07-11
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: Credit inquiries on your report that you don't recognize

Complaint:
I had some false information on my credit report and had submitted it on XX/XX/2021 and a follow back letter was sent XX/XX/XXXX and I still haven't received a response for why these inquires are on my credit report and according to the CFPB a credit consumer agency has 45 days to investigate or all of the negative and false items must be removed from the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: CITIBANK, N.A.
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:
CITI CREDIT SERVICES IS IN VIOLATION OF THE FDCPA & FCRA. 
PLEASE REFER TO THE DOCUMENTS ATTACHED TO THIS COMPLAINT

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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 recently received a copy of my ( XXXX and Transunion ) credit report, and I noticed that you are still reporting a medical collection under the {$500.00} threshold. Starting in XXXX XXXX XXXX XXXX  less than {$500.00} will no longer be reported on consumer credit reports. Medical bills under {$500.00} are significantly more likely to remain on a credit report for longer than medical bills over {$500.00}. For patients and families who have only relatively small outstanding medical bills, the {$500.00} threshold could mean a large reduction in coercive credit reporting. 

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 non-monetary relief
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account, XXXX, XXXX, 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 XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
when i open my account i have Problem with credit limit what they give me i have high Credit sore and theyt lie to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  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. XXXX XXXX - XXXX XXXX This inquiry should not be on my report. I did not apply for any credit with XXXX XXXX. XXXX- This inquiry appears on my report twice. XX/XX/XXXX and XX/XX/XXXX. There should only be one inquiry. XXXX XXXX - This inquiry appears on my report twice. XX/XX/XXXX and XX/XX/XXXX. There should only be one inquiry, which is XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: PA
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: Investigation took more than 30 days

Complaint:
THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND DATE LAST REPORTED IS NOT ACCURATE. THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: CT
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:
My name is XXXX XXXX and Im a victim of Identity Theft. I have two phone bills on my credit report that's not mines. XXXX XXXX XXXX {$710.00} and XXXX XXXX XXXX {$130.00}. Attached is my FTC report with my ID and social. Please update this as soon as possible.

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 2021-07-11
Company: ERC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: Kriya Capital, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have several issues to report. I never went by the names of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX. I never lived in XXXX, KY at XXXX XXXX XXXX. The XXXX XXXX XXXX account that is being handled by XXXX XXXX XXXX for {$150.00} I have the equipment that needs to be turned in. Account # XXXX. Was opened XXXX XXXX. The account XXXX XXXX XXXX XXXX opened XXXX XXXX for XXXX XXXX XXXX XXXX the amount of {$270.00}, # XXXX is not mine. I never received this service. Credence Resource Mana for XXXX-XXXX  in the amount of {$150.00}, account # XXXX opened XXXX XXXX I'm assuming is for the XXXX XXXX XXXX bill so I don't know why it's on my credit report twice. My address is XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX so you can mail me any paperwork that I need to fill out. Thank you very much! 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-13
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My original home loan was with XXXX made in 2006. XXXX did not charge me a fee for making my mortgage payments online. Several years back XXXX XXXX XXXX sold my loan to Nationstar Mortgage, who charges me a fee of {$9.00} each month for paying online. My loan was sold to Nationstar Mortgage unbeknownst to me and I never signed any paperwork agreeing that I would pay a fee to make payments online. I 've spoken to several representatives with Nationstar who will not waive the fee. I received a mortgage loan from one financial institution who did not charge me a fee for making payments online and through no fault of my own ended up with another financial institution that charges for paying online. It 's not fair to me the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/XXXX/19 myself XXXX XXXX and my wife XXXX XXXX went to Ashley Furniture in XXXX Ca. 

The salesman XXXX XXXX offered us a 18 month no interest store credit. I put XXXX down on XXXX on a separate receipt. 

My wife on a separate credit account with same terms 18 months, spent about the same. 
Also present was XXXX XXXX our adult son. 

The print out I was given to sign showed 12/months. I told the salesman that I refused to sign that because it said 12 mos. not 18. 


He said he it was wrong, took it to the back office, then returned. He said they put in the correction, that it is 18/mo for both of our orders, not to worry. He said paperwork would issue when the furniture was delivered. 

I informed him that I not sign anything that said 12/months. He not to worry. He gave me his card and cell number if I had a problem. 

The bed set was delivered, nothing mentioned 12/mos. I set the automatic payment up at XXXX month to end just short of 18 months. 

Last month my wife noted the promotion period to end in XXXX 2019. I called and to my dismay, we both are stuck with either a XXXX payment to clear it up, or 30 % interest. 


I checked my receipts, I found the unsigned receipt showing 12/mo. I called synchrony and was told to contact Ashely Furniture. I called the Mr. XXXX the salesman XXXX/XXXX/19, that made the contract with me for 18/mos. He said he recalled that 18/mo, no interest given to us. 
He said he no longer works there, and told us to speak to XXXX. I called XXXX today and he gave me a message that he doesnt no how to help me. 

I am returning to speak to XXXX the store XXXX. I have 3 witnesses, 2 documents that show the 12 month was NOT signed. 
I have the salesman that told us it was 18 months promotion, XXXX XXXX card. His number is XXXX. 
My bank shows every payment was made timely in an amount that was divided evenly between 18/mo. 

I wouldnt have bought that if it were a 12 month payoff promotion. 

I feel this was extremely wrong. I was denied the opportunity to terms of no interest by being given information that ensured we would not pay it off in time to enjoy the benefit. I think it was someone just forgot to make the change, rather than deliberately being deceptive. I am not sure why the salesman no long works there, but we know what he told us : 18/mo no interest. 
Through meeting of the minds and absence of my signature on documents ( we were told were a mistake ) misstating terms, us 3 adults confirmation of facts and the salesmans corroboration of facts, We want to be given the terms we were promised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Credit Fresh Holdings Inc
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
excessive : billing cycle fee service fee principal interest rate current ytd fees and charges XXXX since XX/XX/2023 total current loan amt XXXX ( so i have paid over XXXX in fees in 3 months and almost nothing toward my balance ) I have contact customer service multiple times with no success. I have asked why total amount due increases despite having automatic payroll deductions. Multiple customer service rep have assured your total loaned does not increase, but minimal ( 1 % ) of your payment is applied toward principal due to fees. When I have reviewed statement balances the best a representative could tell me was " Oh, you are off billing cycles. '' Which makes no sense. I am paying over XXXX a month in payroll deductions and have paid nothing toward my balance and actually my balance has increased you can only call customer service to adjust payment in order to apply more toward your principle. However, it is difficult to get through, agents often ask you to call back or agree to return call when network is back up with no return call. You are unable to adjust your payment or make an additional payment online. When I tried to make an additional payment online I was charged an additional service fee. This was addressed with customer service and fee was reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have contacted Transunion, XXXX XXXX, and creditors in regards to negative inquiries on my credit report. They weren't much help with assisting me with the deletion of those fraud inquiries. I have been a victim of fraud activity. Here is the list of fraudulent inquiries made on my account : TRANSUNION : XXXX XXXX XX/XX/2021 XXXX ATL XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

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 2019-08-02
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
My biggest problem is the predatory nature of Santander Bank. I was told many months ago that my bill was current when it wasn't. This combined with the insanely high interest rate means that I have been paying a ton on interest. 

I owe {$10000.00} on the car, and it's maybe worth $ XXXX- {$1500.00} at best. I would like to explore any available options so that I can be done with this vehicle. 

Santander customer service agents have not been very helpful at all to me when going through this situation. I would recommend that nobody take a loan out with this bank for any reason.

Company response to consumer: Closed with explanation