BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to XXXX XXXX XXXX to share my information with a non affiliate third party. The Gramm Leach Bliley Act 15 USC 6801 Says that a financial institution is not suppose to share nonpublic personal information to a third party. XXXX XXXX XXXX is furnishing " Charge Off '' accounts onto my consumer report. The IRS definition of charge off is income. Income is not supposed to be furnished onto a Credit report. XXXX XXXX XXXX did not clearly and conspicuously give me the option to opt out of credit reporting as it states in the Gramm Leach Bliley Act. I am asking XXXX XXXX XXXX to Cease and Desist all communication through any and all mediums unless it is for a specific remedy that i am invoking. The telecommunication through any and all mediums would be telephone, email, social media and any consumer report. This Notice is pursuant to 15 USC 1692c. The Term communication pursuant 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. This alleged debt directly onto my consumer report which is a form of communication and i need this charge off account removed. This is als a direct violation of 15 USC 1992d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation i am entitled to compensation as per USC 1692 ( k ) of monetary relief of ( {$1000.00} ).

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 2023-03-17
Company: Freedom Mortgage Company
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Maximus Education, LLC dba Aidvantage
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:
Under 15 US CODE 6802, ( A ) a financial institution may not disclose non public information to a non affiliated third party unless such financial institution clearly and conspicuously discloses to the consumer in writing or an electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to a third party. ( B ) the consumer is given the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such third party. ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. This means that by law, I have the right to opt out of having such information reported. I demand that all DEPARTMENT OF EDUCATION/AIDVANTAGE  accounts be DELETED AND REMOVED from my Credit Report IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Westlake Services, LLC
State: IL
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, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX XXXX  #XXXX  Not my account tried getting account removed still remain on credit 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 2022-08-17
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 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 non-monetary relief
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I filed a complaint with XXXX in XX/XX/2022 and never heard anything. Per XXXX XXXX missed payments that were incorrectly reported were removed. I contacted XXXX and they informed me that the dispute was closed. I asked why didn't I receive some updated information and XXXX mentioned that they do not update consumers that we have to call in. I have several items on my report that are not mine or reported incorrectly. This is affecting me from getting approved for a mortgage. My score has dropped well over 100 points actually XXXX  points without any explanation. I asked for signed documents of my signature and they couldn't provide it.

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 2019-06-11
Company: WELLS FARGO & COMPANY
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have 6 Promotional balances ( 0 % ) with Wells Fargo. The balances are due at varying times starting XX/XX/2020. 
I am paying large payments to pay off each separate balance before it is due, but they are spreading out the payment a little to each balance. 
I called them and spoke to 3 people. They said the payment first covers the minimum due and then is applied equally to all balances, not the one that is due earliest. One rep told me that they apply the payment to the balance with the most risk, which would be the one due the soonest, right? 
The only thing stated in the offer close to regarding this is this : Your minimum payments will be applied first to lower APR balances before higher ones. ( mine are all 0 % ) Payments in excess of the minimum payment will generally be applied to balances with higher APR 's first. 
This must be illegal, to not pay off my balance that is due the soonest.

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 2023-04-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase Bank unfairly closed my checking/savings account about 3 years ago. 
I had over {$4000.00} on it, plus my stimulus checks were also sent to this account. 
I try probably dozens of times via phone or at one of their physical locations. At first I was told the issue was gon na be resolve within the week by one of their representatives. Later I was told my account was going to be permanently closed but that I will be receiving a check on the mail with the amount of money I had in such account. Finally they have been telling me that the account is under investigation. This investigation has lasted more then 3 years. Chase bank practically stole all my money for no reason at all. For someone of a low income this has affected me greatly, both financially and emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, 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:
This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1200.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$410.00} 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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 customer service was very unhelpful and refused to delete an unauthorized inquiry on my credit report. 

Inquiry : 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 2023-09-19
Company: MOHELA
State: VA
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:
I hold loans with MOHELA in the amount of approximately XXXX from medical school. In fall of XXXX, I consolidated them together and applied for the PAYE plan. Due to the student loan pause, I held off on making payments, saving so that I would be ready when it restarted. On XX/XX/XXXX I applied to switch from PAYE to the SAVE plan for lower monthly payment and interest subsidy, as my monthly interest is way above what I can afford to pay at this point in Residency. It has been left processing since that day, with no further information from MOHELA. I attempted to call in late XXXX and early XXXX, and was given basically no information after being on hold for almost an hour. The people attempted to reach out to supervisors, and I was passed along multiple times, but no one had an answer. I was eventually told that it is just " stuck '', it is broken, it can not be processed and they aren't sure why. I was told I was " stuck '' on PAYE during the first call, but then in early XXXX I was sent a message stating I was on standard repayment and my first payment would be around XXXX a month. I called back, was on hold again for over an hour, and given the same run-around. This time I was told it is still stuck, but I was transitioned off of PAYE to standard and they weren't sure why, but they couldn't change it back. After an extended time, I was told that I would be placed on forebearance starting in XXXX. When I asked about the interest subsidy, as I should be on SAVE and not having increasing interest with payments, I was told they can not do anything about it till it is fixed. I was told after it is fixed, I may possibly be able to file a complaint to have it adjusted but this is not guaranteed. I am extremely frustrated as I sent in the information over 2 months ago, and they have given me no answer or timeline despite multiple hours and calls. I am also having increasing interest when I should not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: SIMMONS FIRST NATIONAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I opened a bank account at Simmons Bank I had funds in the account, after a few weeks I swiped my card at a gas station and a few days later I saw charges that were not from me. I reported it both to the gas station along with Simmons Bank, I was given a new card and went on, I then learned that my account was hacked by someone inside my house, after learning this I reported it to Simmons Bank and was told that I would need to come to a bank center to report this, after doing that I then which noticed that I was getting charged overdraft fees along with NSF fees. I was told that I wouldn't be charged and my account information would be removed along with getting a new account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 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 1666B : A creditor may not treat a payment on a credit card 63 account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify this item, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT XXXX, and I'm including it once more. Please don't ignore my request to repair this inaccurate item in my file. I hope the disputed item will be corrected as soon as possible : XXXX XXXX XXXX Date Opened:XXXX Balance : {$21000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Improper use of your report ( shared without consent, credit inquiries from unknown sources ) TransUnion XXXX  XXXX XXXX ( Original Creditor : CITY OF XXXX FL ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX**** TransUnion XXXX XXXX ( Original Creditor : 06 XXXX XXXX XXXX XXXX ) BALANCE : {$150.00} STATUS : DEROGATORY ACCOUNT # XXXX**** TransUnion XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX**** TransUnion XXXX  XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) BALANCE : {$1600.00} STATUS : DEROGATORY ACCOUNT # XXXX**** TransUnion XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX**** TransUnion XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX**** TransUnion XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX**** TransUnion XXXX  XXXX XXXX BALANCE : {$130.00} STATUS : DEROGATORY ACCOUNT # XXXX**** TransUnion XXXX XXXX XXXX BALANCE : {$920.00} STATUS : DEROGATORY ACCOUNT # XXXX**** XXXX XXXX XXXX BALANCE : {$0.00} STATUS : PAID ACCOUNT # XXXX** TransUnion XXXX  XXXX XXXX XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT XXXX XXXX** TransUnion XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT # XXXX**** XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT # XXXX**** TransUnion XXXX  XXXX  XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT # XXXX**** Improper use of your report ( shared without consent, credit inquiries from unknown sources ) XXXX XXXX XXXX XXXX Finance Reseller XX/XX/2018 TransUnion XXXX XXXX Finance/Personal XX/XX/2018 XXXX XXXX XXXX - XX/XX/2018 XXXX XXXX XXXX XXXX  Bank Credit Cards XX/XX/2018 TransUnion XXXX XXXX Bank  XX/XX/2018

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 2020-03-18
Company: I.C. System, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was a result of identity theft however it has Been sold to several different companies which then report on my credit. I have a police report on file confirming this specific account is a result of fraud and identity theft.

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 2022-02-16
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was alerted that my social security number appeared on the dark web, so I immediately was able to place a fraud alert and freeze my credit on XXXX and XXXX. However, Experian only applied the fraud alert. When I tried to freeze my account, it gave me a message that I needed to mail all of my identifying information to a po box in Allen, TX. 

I tried calling them at XXXX several times, but I could not get past the automated operator. After I kept repeating representative, she hung up.

1. This violates the Fair Credit Reporting Act 2. By the time my information arrives in Texas, I can be compromised.

3. Why could they apply the fraud alert, but not the freeze when they both require the same information? The answer is that they sell a solution for {$24.00} per month so they want you to buy the service instead of following the process for which they are required.

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 2023-04-11
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
After meeting all the requirements, I was denied an extension of credit on XX/XX/XXXX  after applying for a Discover card with Discover Bank and was denied credit without any conditional acceptance as outline In U.S Code. The denial reason being Bankruptcy as indicated on the adverse action letter which is also discrimination and a violation of my Inalienable rights.I am not in Bankruptcy and a previous Bankruptcy is not derogatory credit as no credit was extended. I am entitled to receive credit. Please see attachments with references to U.S. Codes and more

Company response to consumer: Closed with explanation