BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
Company: Experian Information Solutions 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. 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. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXXXXXX - Account XXXX has violated my rights. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

These Credit Inquiries has violated my rights 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 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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-11
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:
MY COMPLAINT AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAN 30 day they are in violation of the " FAIR CARES ACT '' XXXX  XXXX Reported : XXXX. XXXX, XXXX - {$690.00} Closed Overview You're currently using 139 % of your account 's limit. Balance {$690.00} Credit limit $ 500 Monthly payment No Info Opened XXXX XXXX, XXXX ( 3 yrs, 6 mos ) Payment History Youve made 59 % of payments for this account on time. Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Amount past due {$690.00} Worst Payment Status Charge-off Account Details Account status Closed Type Credit Card Responsibility Individual Account. Remarks Consumer disputes- reinvestigation in progress Times XX/XX/XXXX days late XX/XX/XXXX Closed No Info IT IS NOW THE DATE OF XX/XX/XXXX DISPUTE 15 U.S. C ode 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 results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
I am writing to formally address the ongoing and egregious violations of the Home Equity Line of Credit ( HELOC ) Agreement, as well as the Real Estate Settlement Procedures Act ( RESPA ) and pertinent consumer protection statutes by Specialized Loan Servicing LLC ( hereinafter referred to as " SLS '' ). This correspondence serves as an official notification of the breaches of contract that SLS has committed and continues to perpetuate. 

SLS is in clear violation of the terms stipulated within my HELOC Agreement, specifically concerning the obligation to provide monthly statements delineating the status of my account. Despite the explicit terms mandating the provision of these statements ( section 4b. ), SLS failed egregiously to fulfill this fundamental obligation, constituting a direct breach of our contractual agreement. 

Furthermore, in accordance with RESPA and other consumer protection laws, SLS is legally bound to comply with the requirement of furnishing monthly statements to borrowers. The consistent failure to provide such crucial documentation not only violates our contractual arrangement, but also constitutes a violation of the aforementioned federal statutes designed to safeguard consumers. 

Repeated attempts on my part to rectify this matter through communication and also filing complaints with SLS, have been met with disregard and an absence of appropriate action.

SLS has regrettably neglected to acknowledge its breach of contract and the concurrent violations of RESPA. Such behavior is unacceptable and undermines the trust and obligations inherent in our contractual relationship. 

It is pertinent to note that this is not an isolated incident, as evidenced by the Consumer Financial Protection Bureau 's Consent Order against SLS, highlighting prior transgressions concerning RESPA. This recurring pattern of non-compliance with federal laws demonstrates a systemic issue that requires immediate rectification on the part of SLS. In light of the aforementioned breaches and consistent disregard for contractual and statutory obligations, I demand prompt remedial action. Specifically, I insist on immediate rectification of the failure to provide monthly statements and a comprehensive plan to ensure future compliance with the terms of the HELOC Agreement and relevant federal laws. Please consider this correspondence as an earnest attempt to amicably resolve these concerns. Your prompt attention to this matter is anticipated and appreciated.

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 2021-08-21
Company: GLA Collection Company, Inc.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I noticed today on XX/XX/21 that I had a negative mark on my credit report from a collection agency called GLA Collection Company. One, I have never received anything in the mail form this company validating that this is a debt that belongs to me. Two, I have never received any calls from this company before they decided to place this on my credit. 
The original owner of this debt is XXXX XXXX XXXX and I have tried to call them multiple times to let them know that this fee doesn't belong to me. Before I left there property I spoke with the manager and was informed that there were many roommates in our apartment and I wasn't going to have to pay this. 
Regardless, this derogatory mark was placed on my credit report on XX/XX/21 and I consider it threatening and extreme harassment of my emotional and financial well being to do this without even a single attempt at contact written or otherwise. If this is not closed and removed from my credit report, because I was told I would not have to pay it, I will take legal action.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: AR
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( names, accounts or inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX Dept Of EdXXXX XXXX Balance {$0.00} XXXX Dept Of EdXXXX XXXX Balance {$1900.00} XXXX Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of Ed/Nelnet XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$480.00} XXXX XXXX XXXX XXXX XX/XX/2022 ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of Ed/XXXX  XXXX Balance {$1900.00} XXXX Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$480.00} XXXX XXXX XX/XX/ ; XXXX XXXX XXXXXXXX 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 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 called XXXX  XXXX XXXX and asked for them to remove my late payments from 2014 due to negligence from a third party company who was supposed to have a " proven program '' to eliminate or reduce monthly student loan payments. I also learned that the company was fraudulent and doing basic income driven repayment plans that anyone could do. I paid less than {$50.00} a year for them to do this but learned from the news coverage they were cheating the wealthier out of thousands a month. All my account have exceptional payment history and this company has scared my credit report and I have been back and forth between XXXX XXXX XXXX as well as the credit bureaus and they are both telling me that it is the other responsibility to update the files. I am lost at this point with no resolution and no way to go from here. I thank you for your assistance and any help that you can offer.

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 2021-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My complaint is pursuant to my recent Notice of Intent to Sue, which was sent to TransUnion in XX/XX/2021. TransUnion is reporting several inaccurate items on my credit report, which I have made countless attempts to correct so far to date. Said 'Notice of Intent to Sue ' ( NIS ) specifically demanded that several disputed items be removed from my report. This came after TransUnion ignored a prior letter demanding evidence and/or documentation of the inaccurate items on my consumer report, and failed to respond. The Fair Credit Reporting Act ( FCRA ) only allows for a maximum of 30 days for a dispute to be resolved. Failing to resolve a dispute in that timeframe, and/or failing to provide requested documentation pursuant to Sect. 609 of the FCRA can result in a {$1000.00} fine per unresolved item.

As per the US Postal Service, my demand letter was picked up by TransUnion on XX/XX/2021 and the Post Office in XXXX, Pennsylvania. This began a 30 day timeframe for TransUnion to resolve my dispute. This timeframe elapsed on XX/XX/2021. As of now, TransUnion is now in violation of the FCRA and is not only legally compelled to make the corrections, but is also now liable for civil penalties associated with an FCRA violation.

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 2023-09-16
Company: DISCOVER BANK
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XX/XX/XXXX I received a warning from XXXX XXXX XXXX that Discover Card had reported me for an unpaid bill after 60 days due. I have had a Discover card since XXXX, and I have never missed a single payment, so I thought it was fraud. 
Though I use the credit card irregularly, I had agreed to paperless billing on the conditions that they would send me email alerts when a statement was posted or a bill was due ; I have always paid the full balance of the statement before due date. I attach screenshots of the XXXX report ( via XXXX ) and of the Discover website with checkmarks showing that I was due to be sent these email alerts to my work email ( which has not changed ). I also attach a screenshot with a search for all incoming Discover emails. It shows that I received none of these required notices after XX/XX/XXXX. 
I called Discover Card immediately. I found that my husband had used the card twice in XXXX of this year, and I would have paid for them as soon as the statement came due - but Discover sent me no notices of posted statements or bills due. As I use the card infrequently, I noticed nothing wrong, since they don't post statements if the card isn't used, and as they no longer send paper statement, I had no idea that the bill was due. What is more, they obviously could contact me, since they were sending me advertisements for their services and new cashback bonuses. 
Their representative agreed to eliminate the penalties I had been assessed over the past XXXX months without knowing it, as she admitted that their web service department had always had the correct email address for me, and that I had required that they notify me of statements and bills due, and they had not done it. In fact, I paid the full bill due, with penalties and interest, that very moment online, in order to make sure that they could not hold it against me that I had not. ( I have no idea whether I will really get the unfair penalty payment back, as she agreed, since I no longer trust Discover card. ) But she refused to notify the credit agencies that this delinquency in payment was due to an error on Discover 's part, not on my part. This means that Discover has ruined my otherwise perfect credit rating, due to their own incompetence, and they refuse to admit it or make recompense for it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-03
Company: Mobiloans, LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I contacted Mobiloans to ask if they were doing anything to help consumers who had lost income due to the coronavirus pandemic. They stated that at that time they were not doing anything, but that I could push back my payment to the next payment date, and that I could just pay both payments on that date. That doesnt help me because at this time I dont have an income, so I looked into more information on the company, and discovered that in several states including my own, they were charging interest beyond the cap that is allowed, so Im trying to find out if I can try to settle for a lesser amount than is owed since I have paid a substantial amount of interest already to them. Also, a few days after I called, they lowered my credit limit to {$1900.00}, whos was {$500.00} less than what I owed, then a couple of days later, changed it to {$2400.00}.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Back in and around XXXX XXXX my account was error or frozen of currency that I only received around XXXX amount of it and I tried and fix the problems and I was inform there was a heck of glitch.

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 these accounts ( 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 following erroneous information that needs to be investigated and correct : 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 non-monetary relief
Consumer complaint received 2023-10-03
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I lost my t-mobile phone and money and my account was accessed through it. My money was taken from my savings account and sent to my checking account, then sent to my cashapp, then sent to a XXXX banks while locking me out of my cashapp account. I called as the transactions were still pending and told to call back once they went through. I did so then was blamed for the money taken from my account. Chime has not gotten the amount of money I need refunded correct since I placed the claim, it is only supposed to be for XXXX total. XXXX I had to set up another account in order to dispute the charges and they too blamed me. They are both stealing people 's money and not protecting them when supposed to. Please assist this has been going on in Disputes for over a year and u also have a police report that was filed and given to them as evidence. Along with multiple screenshots showing my whereabouts and the transactions that were taking place and the struggle I encountered trying to not get my account hacked.

Company response to consumer: Closed with explanation