BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-28
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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 2021-06-29
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I used the forbearance offer by my mortgage lender. I am trying to pay for it so I won't lose my home. I'm in the 3 month trial period of ending my forbearance. 1st it took forever to get a hold of anyone to end it. 2nd, when I finally did, took 1 week to get a hold of anyone to pay my 1st payment. 3rd Now I'm trying to pay my 2nd payment and been on hold for 3 hours waiting for someone to answer. XXXX 's aim is to take my house. They said paying online or by mail is not an option during the trial period. Don't know what else to do, I'm a XXXX  now and don't have time to sit around and spend all day trying to pay my mortgage.

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 2023-08-04
Company: ALLIANT CREDIT UNION
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: Account status incorrect

Complaint:
Around XX/XX/XXXX, I received one letter in the mail from Alliant Credit Union stating that my annual HELOC fee was coming due in the next month or so. The amount was {$50.00}. My account was set up for autopay, so I assumed it would be paid as normal. 

On XX/XX/XXXX, I was notified by a credit report tracking app that I subscribe to that there's been a change to my credit report. I logged in to see what happened, and my score dropped from XXXX to XXXX! I had no idea why, as I am always current on payments, pay my credit cards in full, and have no other debt outside of my mortgage. 

I saw that Alliant Credit Union reported me as a delinquent account because I did not pay the {$50.00} fee. I never received any communication whatsoever about a missed paymentno emails, no letters, no phone calls warning me I was past due. I called Alliant Credit Union immediately and asked what happened to my autopay, and they could not give me an answer. Of course, I immediately paid the {$50.00} fee and asked for them to contact the credit agencies saying there had been a mistake, but they did an " internal investigation '' and concluded they did nothing wrong. I asked for proof of past due bills, phone calls, etc. as they said I should have received some of these warning me I was past due, but they have provided me no such thing. I believe they completely dropped the ball and did not do their due diligence in letting me know I had a past due bill. 

I paid my HELOC off in record time in XXXX, and carry no balance with this company. I have worked incredibly hard for my credit score, and their reporting to the agencies without any warning to me is unacceptable. My score dropped nearly XXXX points because of this and they refuse to take any responsibility. 

I would like Alliant Credit Union 's initial reporting removed from my credit report, and their billing department investigated so that this doesn't happen to anyone else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-03
Company: ECMC GROUP, INC.
State: LA
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:
Im being over charged and could be homeless cause I cant pay my bills that I always pay with my income taxes my property taxes on my house but I cant do that without my money which most of it was earned income for mychildren

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 2021-06-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Disputed inaccurate information on credit report and havent received any results nor communication

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-06-06
Company: TRUIST FINANCIAL CORPORATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2023 a fraudulent charge was made to my account with Truist. I asked to close the account agent she said she wouldn't be able to credit the charge back if I closed the account. Instead she debited the charge back to the card and then closed the account. She then reopened the account, credited the charge and now I have two cards feeding into the account. I was told they were investigating it and nothing could happen for 60 days and then it would be closed. Nothing happened in 60 days. I was never mailed any notice of an investigation. I have spoken with at least 20 people and I get a different excuse each time. I have closed all my accounts with Truist but this one credit card account, which now has two monthly statements being printed every month, is still open with a balance on both, which is earning interest. The balance from one needs to be credited to the other and it would cancel out the balance on the account. There are two debits and one credit ( one debit is a bank adjustment ) which appears on my online statement and also separate on a statement. The debit shown on my online account where there is a debit adjustment is the same as the one on the XXXX statement all by itself. I am being told that is not a real charge, it never affected my account. Well it is affecting my account now, because I am being charged interest on the invisible debit.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was charged monthly service fees despite having direct deposit of over XXXX XXXX/monthly, and over {$1500.00} balance in the account. This is wrong. And apparently it has been happening for years to millions of customers.

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 2023-03-12
Company: EQUIFAX, 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:
Dear Equifax, I pray all is well I'm contacting you because I thoroughly looked over my consumer report and noticed you all are furnishing an account named XXXX XXXX XXXX which is inaccurate and does not belong to me. This account is negativley effecting my ability to apply for credit. I want this account deleted from my conumser report immediately. Please see attatched documents related to my dispute, I have attatched a copy of my driver licsense as well to verify me. I look forward to this being resolved in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
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 sent a letter on XX/XX/XXXX, to remove these : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance : {$330.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$1500.00} 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, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX XXXX : {$1000.00} XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$330.00} XXXX  XXXX Balance : {$400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXXXXXXXXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX A ) XXXX Balance : {$1100.00} XXXXXXXXXXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX these items are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it 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 non-monetary relief
Consumer complaint received 2021-06-29
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: Investigation took more than 30 days

Complaint:
Disputed inaccurate information on credit report and havent received any results nor communication

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo improperly denied the modification of my loan. I had met with a XXXX vice-president, Mr. XXXX XXXX XXXX, in person at two separate mortgage seminars and he assured me that the loan would be modified with no problem. The foreclosure process continued and attempts to contact XXXX XXXX were unsuccessful. My house was sold at a sheriff 's auction even though my real estate agent and my lawyer attempted to set up a short sale, which was also denied. My lawyer indicated that Wells Fargo was the most difficult company to deal with and were acting in bad faith denying the short sale. 
I lost my house at the sheriff 's sale and was forced to find somewhere to live. 

I read the findings of the CFPB in XXXX. 2022 and feel I was wronged by Wells Fargo and should be compensated for their improper actions. 

I have attempted to contact the last person I dealt with as well as XXXX XXXX and the email came back undeliverable. During my attempts to rectify the situation with my loan, every month a new person would be the contact person, so it is not surprising that they are no longer working there. 

I do not trust Wells Fargo to get in touch with me as my house was located in XXXX and I have since moved to XXXX But, my email and cell phone number have never changed. 

I can not afford an attorney to go after Wells Fargo and am hoping the CFPB can assist me in getting compensation for my loss. 

Thank you in advance for your consideration and look forward to hearing from you. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX XXXX former address was 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 explanation
Consumer complaint received 2019-10-05
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have already contacted the original owner of this debt ( XXXX XXXX ) they had no record of the debt on my account. After I contacted them, this debt was previously removed under the last collection agency that owned it. It has now appeared back on my credit report. This debt is not mine. Please remove the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Contacted representatives of the company via telephone and emails several times in XX/XX/XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane XXXX. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: NV
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:
I sent the Credit Bureaus letters on XXXX asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report is still showing inaccuracies. 
In accordance with the Fair Credit Reporting 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 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. 


If, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall... 

( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Here is the accounts : XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX Validate Account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: OneMain Finance Corporation
State: MS
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:
I am aware that my SSN belongs to the ( XXXX XXXX Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with XXXX XXXX XXXX and being that you ( ONEMAIN ) is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C3729-3733.

( ONEMAIN ) is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( ONEMAIN ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A.

This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by ( ONEMAIN ) for the account opened XX/XX/2021 with account number XXXX. 

Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( ONEMAIN ) into the ( FTC Federal Trade Commission ) for aggravated identity theft and XXXX. 

If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter XXXX be tendered as evidence of failure to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

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 2023-08-04
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
After pulling all 3 of my credit reports, I've notice a collection debt from XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX, AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON ANOTHER CREDIT REPORT, ETC. ( THE XXXX  ARE INVALID BY CREDIT REPORTING STANDARDS ALONE ) XXXX XXXX XXXX XXXX, TN XXXX, ( XXXX ) XXXX pertaining an invalid account number and amount that is not mine, I do not have a contract/application with them and do not owe this company. This falls under inaccurate/false reporting and must be DELETED PERMANTELY FROM ALL 3 CREDIT BUREAU 'S IMMEDIATELY and due to law passed effective XX/XX/2017 no judgments are to be reported on neither 3 credit bureaus. This is illegal again I do not owe this debt that the XXXX XXXX XXXX XXXX XXXX has reported, and it is not mine. I request that THE XXXX XXXX XXXX REMOVE IMMEDIATELY FROM ALL 3 CREDIT BUREAU 'S WHICH IS XXXX, XXXX AND XXXX. THIS WAS DELETED FROM MY CREDIT REPORT VIA XXXX XXXX AT ON TIME AND IT HAS REAPPEARD I DON'T EVEVER WANT TO SEE THIS ILLEGAL ACTION ON MY REPORT EVERY AGAIN. I'M APPAULED THAT COLLECTION AGENCY CAN REPORT ANYTHING/AMOUNT ON YOUR CREDIT AND RESPOND TO THE CREDIT BUREAU 'S AFTER DISPUTE THAT IT IS ACCUARTE IMFORMATION, OWED AND UPDATE NO PAYMENT ON MY REPORTS!

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 2019-05-05
Company: Convergent Resources, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ask for validation, never received proper validation.

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