BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-11
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On this current account I have inaccurate information that can not be verified and I have a question documentation to verify this information. On this account I have unverified late payments during this time the account was in forbearance and there should not be any late payments. I have called to request a forbearance to avoid any form of late payment due to the fact I was continuing education with this particular loan service. According to several agents the individual who took the information did not update the information or did not process the information and result causing derogatory late payments on the account. I have requested the original contract of this account on three different occasions and have yet to receive anything. And if there is indeed late payments I am requesting the original signed contract with my original signature agreeing to these practices. If none of this information can not be provided I request that the unverified late payments to be updated to positive & current.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I filed a complaint on XX/XX/18. File number XXXX. There response was to retaliate by quadrupling my minimum payment. In addition, they charged me for a second time, a transfer fee, and yet again charged me interest on my account. At what point does, CFBP step in and fine them for this?

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 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am a human being a natural person and I have rights under the Fair Debt Collection Practices Act. Transunion and XXXX XXXX XXXX are governed by this act. I am disputing the below referenced inquiry because I do not recognize nor recall this debt. Please verify this debt, specifically the contract, note or other instrument bearing my signature. 

XXXX XXXX XXXX- Inquiriy because I am disputing this debt, it should not be reported to or by the credit reporting agencies. It has already been reported, so please contact Transunion and inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctl violates the Fair Credit Reporting Act. 

Aside from the verification of this debt, the creditor MUST NOT CONTACT ME ABOUT THIS DEBT. The Fair Debt Collection Practices act, 15 USC Section 1692c requires that they honor this request. Their cooperation is 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 2023-06-29
Company: Block, Inc.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My debit card was locked due to me simply moving addresses. Cash App has locked my card and have requested the same documentation on three separate occasions to verify my new address. I have been waiting for at least 3 months for an update and when I call to check in no one can help and Im told to continue waiting. This is a complete scam because even though I can still send/receive money I have to constantly pay a fee to them to send my funds to another account to use my money instead of my Cash App card. Supervisors/Managers are never available to answer an escalation and the department handling my issue doesnt accept calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2019 a fraudulent account was opened in my name without my consent for a XXXX  XXXX credit card From Midland Credit MGMT in the total amount of {$6000.00}. I've made contact with the company and opened a dispute through XXXX. This debt is due to Fraudulent actions and Identity Theft i Want all collections to Cease And Desist!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 about the Heroes Act passed by the government. Per the act, Credit Agencies were not allowed to report negative items during the COVID-19 Pandemic, plus an additional 120 days. The attached accounts violate that act and violate my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: ENCORE CAPITAL GROUP 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:
Midland Credit Management , LLC shared my nonpublic personal information to credit reporting agencies ( XXXX, XXXX, Transition ) without my permission and shared that I owe debts with them without verifying with me I owe those bogus alleged debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Specialized Loan Servicing Holdings LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I was the beneficiary of a Federal Emergency Homeowners Loan Program ( EHLP ). I got a {$50000.00} forgivable loan as long as I kept making my payments and used my house as a principal residence. Thirteen years later, I wanted to sell my house and discovered that HUD had put a lien on my house when I took the emergency loan. In the meantime, I lost all my documentation due to a malfunctioning sump pump in my basement in XXXX. HUD is asking me to repay the {$50000.00} forgivable loan unless I can prove that I paid my mortgage on time between XXXX and XXXX. They won't even accept bank statements because they didn't show when payment was due, only when payment was made. Specialized Loan Servicing LLC refused to provide me with all the billing statements between XXXX and XXXX, stating that they didn't service the loan during that period. If I can not prove to HUD that I made these payments, they want me to repay them {$50000.00}. I met my financial obligation if I still have the same mortgage since XXXX. 
I want to file a complaint against Specialized loan servicing LLC for refusing to provide me with my billing statements from XXXX to XXXX or write a letter stating that I have paid my loan on time for the past 18 years. Their inaction could result in me having to pay {$50000.00} to HUD. I want to file a complaint against HUD /Federal Emergency Homeowner 's Loan Program for not letting me know that I had a lien on my house at the end of the program in XXXX. But six years later, asking for documents that are difficult to find. Instead of helping, they are doing everything to get their money back. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ct 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 2019-01-20
Company: Experian Information Solutions 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:
Experian was contacted over 30 days ago regarding items that were not verified correctly as mine.Experian is the only company that is not investigating this item. It is violation of FDCPA, FCRA and I have no knowledge or ownership of this item. Expeiran has  shown no indication that they've investigated as well. Also, there was an account reinserted/added without my knowledge

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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I requested an investigation and update to my credit reports, the Credit Bureaus claimed they did a full 100 % accurate investigation and update my reports, yet items remain inconsistent. 


The following information is outdated. I would like it removed from my credit history report XXXX XXXX  Account Number : XXXX Statue of limitation expired Furthermore, based on the confirmed State of Arizona Statute of Limitations in respect to Auto Loans and repossession limited at 4 years of reporting, the item listed below has expired. I have attached a screenshot of the Arizona Statute of Limitations in respect to Auto Loans and repossessions.

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 2023-06-30
Company: TOWNEBANK
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Security fraud, Ignoring the power of attorney, Identity theft is taking the promissory note that the P.O.A. gave a signature to and credited that promissory note as it belongs to them. We need to see the actual copy. Please mail it to the power of attorney because it was made pay to the order of TOWNEBANK transferring the interest on the note to TOWNEBANK. Power of Attorney XXXX, XXXX XXXX/ Agent authorizing one party to the interest of one instrument specific and clear to the point so, Identity theft the moment a signature was put on that promissory note it was XXXX XXXX XXXX promissory note and I XXXX, XXXX XXXX / Agent perfect performance of the transfer of the interest in it to the secure party creditor who must credit the face value. Identity theft is stealing the signature and putting that instrument in street name not giving XXXX XXXX XXXX the credit which is the face value of the instrument. They act like they gave consideration, that's what this is all about authorizing one party to the interest of one specific and clear to the point, the moment a signature was put on that promissory note, that was XXXX XXXX XXXX promissory note. I XXXX, XXXX XXXX / Agent did perfect the transfer of the interest in it to the secure party creditor who must credit the face value of the note. XXXX XXXX in XXXX, NC.

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 2022-01-04
Company: DISCOVER BANK
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I initially submitted this complaint on XX/XX/2021, case # XXXX. The response from Discover was inadequate and did not address any of my concerns so I am resubmitting it. 

I signed up for automatic payments with my private loan servicer, Discover. During this process, I was able to make an " extra '' payment and was given the option of applying any extra payments to either the " principal balance '' or to the next month 's payment. I chose to apply extra payments to the principal, and have been making an extra {$50.00} each month for at least the last year. When I reviewed my statements for the past 4-5 months I noticed that all of my additional payments are being applied to " interest '' and not the principle balance as I request. 

Discover stated that " This payment and subsequent automatic payments, including any additional payments, have been applied to the principal and interest owing on your loan, in accordance with the payment hierarchy provided when you enrolled in automatic payments for the Minimum Payment Due plus the additional amount. You were informed that payments would be applied first to late fees ( if applicable ), then to the Minimum Payment Due amount and that the additional amount you designated would be applied to your highest interest rate loan in repayment ( or to the higher balance for loans with the same rate ). The additional {$50.00} monthly payment is being applied to your loan ending in 20 as this is the loan with the highest interest rate. '' Their own response does not make sense and they do not provide any evidence or support for their assertions. For example, it says that extra payments will first be applied to the Minimum Amount Due. However, this is a payment that is, in addition to, the Minimum Amount Due. So by their own description, the full {$50.00} extra payment should be being applied to the principal balance of the loan with the highest interest rate. Second, Discover 's response does not contain any evidence of how the extra payment was applied to " principal and interest ''. They say it went to both, but in fact, they are just applying the extra payment to the interest. This is not only counter to my clear instructions but also has the effect of extending the length of the loan period and unjustly enriching Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The Fair Credit Reporting act 15 USC 1681 law, mandates that rights of a consumer be respected. The accounts listed below has violated my federally protected consumer rights to privacy and confidentiality in relation to the LAW. 

1. Date of Closure : XX/XX/XXXX XXXX # : XXXX 2. Date of Closure : XX/XX/XXXX XXXX # : XXXX 3. Reported XX/XX/XXXX ACCT # : XXXX 4. Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  5. Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX LATE PAYMENTS 6. XXXX  XXXX XXXX LATE PAYMENT Hard Inquiries 1. XXXX XXXX XXXX Inquire date XX/XX/XXXX 2. XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX 3. XXXX XXXX XXXX Inquired on XX/XX/XXXX 4. XXXX Inquired on XX/XX/XXXX 5. XXXX XXXX XXXX  XXXX  Inquired on XX/XX/XXXX All soft inquiries All home addresses Wrong Names These accounts, home addresses, hard inquiries, and wrong names have violated my privacy rights.

15 U.S.C 1681 section 602 A. States that I have the rights to my privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : That No consumer reporting agency may make any consumer report containing any of the following items of information, a ) any other adverse item of information b ) 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 2023-04-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 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 non-monetary relief
Consumer complaint received 2021-06-28
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Forbearance due to Covid. Resumed normal payments but have an outstanding balance due to the forbearance of about {$9000.00} requested loan modification in XXXX of XXXX  and to date have not heard from mortgage company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-06-29
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was under the understanding that I was still under XXXX reporting protection for my mortgage. I was able to bring the account current with some assistance for the State but during that time I was reported delinquent for 2 months when I was under the understanding that it was protected. I declined the repayment plan because I was working to get the account made current. SLS reported my account XXXX delinquent for XX/XX/2022 and 60 days for XX/XX/2022. I have reached out to SLS for assistance with this problem without any success. Can CFPB help out lines of communication with the right department to get this simple issue resolved? The account is present and will remain current. 

Thanks

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 2021-07-27
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:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2023-08-19
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 OTHER 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 items 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 XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$140.00}XXXX XXXX  Inquired on XX/XX/2023.

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