BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Dear Sir/Madam, I am writing to formally dispute information on my credit report that I believe is a result of identity theft. I have attached a copy of the police report filed for this incident, which details the unauthorized access and use of my personal information. 

According to my credit report, there are several accounts that I have not authorized or opened, and I request that you investigate and correct the inaccuracies in my report as per the Fair Credit Reporting Act ( FCRA ). 

The following unauthorized accounts have been listed on my credit report : XXXX Account : Account Number XXXXXXXX XXXX XXXX XXXX Account : Account Number XXXXXXXX XXXX XXXX  Account : Account Number XXXX I dispute the accuracy and legitimacy of these accounts, as I have never authorized or had any dealings with the aforementioned companies. Therefore, I am not responsible for any debts associated with these accounts.

Under the FCRA, I kindly request that you : Conduct a thorough investigation into these accounts.

Provide me with the results of your investigation.

Remove the disputed accounts from my credit report if they are found to be inaccurate or unauthorized.

Correct any inaccurate information on my credit report.

I also want to bring to your attention the Fair Debt Collection Practices Act ( FDCPA ). If any debt collector is associated with these unauthorized accounts, they should cease any collection activities until the dispute is resolved.

Please provide a written response within 30 days as per FCRA guidelines. If the investigation is not completed within this timeframe, please notify me of the delay.

I appreciate your prompt attention to this matter and the correction of my credit report. If necessary, I am prepared to take further legal action to protect my rights.

Please remove or delete I can't purchase a home for me and my XXXX. I'm a XXXX mother that need assistance.

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 2023-07-12
Company: Experian Information Solutions Inc.
State: AZ
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
When my identity was first compromised, I reported it and requested for these unknown and unauthorized accounts to be removed and yet the credit reporting agencies still hasn't taken the proper action to do so. So before taking further action on my end I'm demanding that these unauthorized accounts be removed and blocked immediately. The following accounts are not mines. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX Account {$3700.00} 3 ) XXXX XXXX XXXX {$2000.00} 4 ) XXXX {$410.00} 5 ) US Dept of ED/XXXX {$1700.00} 6 ) US Dept of ED/XXXX {$3500.00} 7 ) US Dept of ED/XXXX {$200.00} 8 ) US Dept of ED/XXXX {$900.00} 9 ) US Dept of ED/XXXX {$350.00} 10 ) US Dept of ED/XXXX {$1700.00} 11 ) US Dept of Education {$490.00} 12 ) US Dept of Education {$1000.00} 13 ) US Dept of Education {$1000.00} 14 ) US Dept of Education {$3700.00} 15 ) US Dept of Education {$290.00} 16 ) US Dept of Education {$1800.00}

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 explanation
Consumer complaint received 2020-04-13
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I accrued medical debt when I was not on my own insurance at the time I was under my mothers. So because I was under her insurance at the time the bill in my name was wrong and it should be corrected

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
From XX/XX/2017 to present, 4 additional months of payments were made on mortgage account. Ocwen didnt update my account for these additional payments. PHH Mortgage is now servicing and investigating but Ocwen should be help responsible for not maintaining customer account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: NAVY FEDERAL CREDIT UNION
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 was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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 2023-10-21
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2020-04-12
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 recently check my credit for accuracy and to my surprises there were a number of accounts reporting in my name, credit accounts that where not mine and I didn't have any knowledge of, this is when I realize that I have been breached and my identity stolen, immediately I started to investigating in what steps I should take to mitigate the damage in my credit, I found out that a report with the FTC has to be made. So I'd like to ask for you help to resolve this issue and restore my credit reputation. Thank you.

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 2021-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I XXXX XXXX entered into a consumer credit transaction on XX/XX/2019 where CAPITAL ONE AUTO FINANCE took the alleged ASSIGNEE role in this transaction. With this consumer credit transaction that took place there was a finance charge that was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. Also in this transaction my right of rescission was not disclosed to me pursuant to 15 USC 1635 which goes against 15 USC 1601 ( a ) Informed use of credit. Also be advised 15 USC 1602l defines credit card as Any Card existing for the purpose of obtaining money, property, labor, or services on credit and in this case my credit card was used via my social security card for this consumer credit transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Nelnet, Inc.
State: FL
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:
On XX/XX/XXXX I requested my reinstated loan groups from my covid pandemic refund to be put on to my previously approved SAVE repayment plan. 

I had to do this because when I checked my student loans account on Nelnet, there were 3 reinstated loan groups that were NOT on the SAVE repayment plan. This can all be verified via the attachments ( call history, screenshots of my loan groups not on SAVE plan ). 

The Nelnet # called is XXXX. The customer service representative told me they submitted my request to the Repayment Plan Enrollment team, and also told me that it would take 5-10 business days to process the request. It is now XX/XX/XXXX so it has obviously been more than that amount of time. I have already had to pay for XXXX as I opted out of the 1-month on ramp under the belief that my reinstated loans would also automatically be put under the SAVE plan. This obviously did not happen either. 

I want Nelnet to expedite my request and immediately put my reinstated loans on my ALREADY approved SAVE plan. They have my approved SAVE application so I don't know why this is so hard, unless they are intentionally trying to get money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have recently applied for credit. Unfortunately have been denied due to erroneous information being supplied by the credit bureaus. 

XXXX XXXX has been reporting erroneous account status, last payment history and account balance to the credit bureaus. The credit bureaus refuse to update my reports with accuracy. 

Ive reached out to the credit bureaus on numerous occasions and have been advised that they have investigated the dispute and have verified the debt and amounts. The credit bureaus have not and will not send any supporting documents to validate the errors being reported on my credit report. When I try and open a new dispute the Transunion credit bureaus shut down the request as frivolous. 

XXXX continues to report incorrect balances as of today XXXX/XXXXXXXX  they have indicated via my credit report that I owe {$28000.00}. The recent fraudulent update states that the balance increased {$290.00} due to non payment. The last payment on the car was XXXX XXXX the account is closed and charged off. How am I still incurring charges? There was a judgment placed against me in the amount of XXXX via XXXX XXXX courts on XXXX XXXX. 

Please help!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing in regards to a late payment on my credit report from for XX/XX/2019 on my Chase account # XXXX, highest balance {>= $1,000,000} that occurred due to a third-party error. 

My due date is the XX/XX/XXXX of the month. On XX/XX/XXXX I received a payment confirmation from XXXX stating that my payment was successfully submitted. However, one month later I realized that I had a late payment reported. On XX/XX/XXXX, I received an email from the third-party company stating that they committed an error and my payment did not go through. 

This was a situation that I could not control. I had over {$50000.00} in the bank, which was more than enough to make the payment. This was not a money issue or even worse, because I did not want to pay. Now I have a perfect record of on-time payments. 

Please send the attached document to JP Morgan Chase Bank. 

Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: TN
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:
Company- XXXX XXXXXXXX XXXX payments XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX & XXXX 15 U.S. Code & 1681a- Definition ; rules of construction ] U.S. Code ] US Law ] LII / Legal Information Institute 15 U.S Code & 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 } Prohibition ( A ) Reporting information with actualknowledge of errors 15 USC & 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report ' does not include- ( A ) subject to section 1681-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX alerted me that someone made a hard inquiry on my credit report XX/XX/23 through Bank of America. This is identity theft as I do not use that bank and did not make a credit inquiry. XXXX has filled a dispute and I am contacting Bank of America now. I would like my credit files marked as identity theft attempts.

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I LOOKED UPON MY CREDIT REPORT AND DISCOVERED THESE ACCOUNTS THAT NEED TO BE DELETED.

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 2023-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
For past years, Bank of America - Bank has charged a " Check Image fee ''. It seemed to be only kicking in once a year. I would call in and they would refund the fee and promise that they would fix it. It usually was just a once a year issue, but now it is EVERY MONTH issue ( Even after calling in every month to have it removed ). 

In XXXX, XXXX, XXXX, XXXX and XXXX- it kept happening. I would call in and they would fix the problem and refund the fees. 

In XXXX, I reached out to the CEOs office about this- with some investigation I was ASSURED IT WOULD NEVER HAPPEN AGAIN! There was a full depth analysis of this from that office. 

Well on XX/XX/XXXX - It happened again. I was assured in XX/XX/XXXX ( Don't have exact dates on conversation ), but they refunded me. 

I tried calling the bank tonight ( the male rep at XXXX disconnected the call ). I called back and I accidently hung up on the rep. 

I never authorized for this check image fee to be on my statement. We went through the settings in my profile and on the website. The fee is only {$3.00} per month, but still! 

The bank needs to take corrective action on making sure that I am not getting charged for this fee. For me to keep calling into the bank costs TIME = $ $ $ as a small business. This is about the 10th call in attempting for this to be fixed.

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 monetary relief
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: AZ
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:
Attn : Experian XXXX XXXX XXXX XXXX ACCT # XXXX The account was paid in full over a year ago, but today when reviewing my credit report, I discovered that this account has been placed as a " COLLECTION ACCOUNT '' This needs to be removed immediately, as this has been previously disputed and cleared by Experian. Now today, it has been inappropriately and erroneously been replaced as a collection account again!

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting 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 XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX, XXXX XXXX XXXX I Account number XXXX, XXXX XXXX XXXX I Account number XXXX XXXX Account number XXXX, XXXX, Account number XXXX, XXXX XXXX XXXX XXXX Account number Account number 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