BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-21
Company: EQUIFAX, INC.
State: IL
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:
I am working with Equifax and XXXX to resolve an issue with XXXX XXXX, the loan servicer who bought my student loan from XXXX XXXX in XX/XX/XXXX. 

I have been paying XXXX XXXX XXXX XXXX  monthly since XX/XX/XXXX. This is the only account I need to make payments on, and my credit score has not improved despite my timely payments. After going back-and-forth with XXXX XXXX personally and filing disputes against them through Equifax and XXXX throughout XXXX, one of XXXX customer service agents finally disclosed the problem to me. 

XXXX XXXX has been applying my monthly payments to the interest on my loan exclusively. This was never clearly expressed to me through an agent or the loan servicers communications until I spoke to them on XX/XX/XXXX. Their reasoning for this is unclear. XXXX XXXX claims I agreed to exclusively making interest payments instead of splitting my payments between interest and the principal loan, which is not true. I immediately began looking into my refinancing options, and then I realized their insidious plan to prevent me from escaping their clutches. 

XXXX XXXX applied my payments to my interest exclusively to prevent me from raising my credit score and having my loan refinanced by another bank. They altered my interest rate upon purchasing my loan from XXXX XXXX to ensure my minimum monthly payments only cover the interest, and my loan continues to grow exponentially so I owe them more money. There is no way I can get out of this because XXXX XXXX added remarks to my account for the credit bureaus stating that the bureaus are not to raise my credit because I am only paying off interest, according to a representative from XXXX. 

I believe XXXX XXXX wrongfully led me to presume my payments were being applied to the principal and the interest on my student loan. Until this month, I was in good standing with XXXX XXXX. Now, I refuse to pay them until all my previous payments are applied to my credit score so I can have my loan refinanced.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I need you to investigate about my case, and delete the negative items that I already paid and its still on my report like a negative accounts. I have inquiries I didnt authorized and I dont want it in my credit report, delete it please.

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 2022-10-13
Company: EQUIFAX, 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:
This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 ; XXXX OF XXXX XX/XX/2022 ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$940.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-07-17
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have consistently made timely payments without any instances of being late.

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 2023-07-17
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; CHILD SUPPORT XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX  XX/XX/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 explanation
Consumer complaint received 2022-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Capital One continuously performs adverse actions against me the consumer. They have denied me access to my own credit and forced me to make a deposit for a secured card I did not want. They are also tarnishing my reputation by reporting negative activity to the credit bureaus when I have made numerous attempts to pay. Capital One has also created multiple accounts through my consumer credit and will not allow me to access those accounts. When I submitted my remittance coupon payment online, my payment was accepted. Capital One then reversed the payment after many days. I then tried another account opened through my consumer credit which was sent to me. That payment was accepted too then days later capital one reversed the charges and locked my card this time. I am submitting a billing error 12 CFR 1026.13 and an adverse action claim against capital one for their malpractices and many violations of the Truth In Lending Act ( TILA ). As I was not made aware of the many accounts opened through my consumer credit nor was the legalese explained to me as the consumer about the remittance coupon payment or the original security contract deposited for bailment purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: EQUIFAX, 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:
I provided documentation from the court and XXXX stating that the bankruptcy ( s ) has been removed. The credit agencies states it gets their public record information from the court and XXXX. Ok if that's the case why is the bankruptcy still reporting on my credit file when I have sent proof showing that the bankruptcy ( s ) been removed from XXXX and the court does not provide the credit agencies information about bankruptcy ( s )?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
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 111-290 - DATA BREACH NOTIFICATION ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: NC
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 ANOTHER endeavor to tell CREDIT BUREAU that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts ; XXXX XXXX ( Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} ), XXXX ( Account # XXXX, Date XXXX, High Credit : {$2100.00} ), XXXX ( Account Number : XXXX, Date Opened:XXXX, Balance : {$930.00} ), XXXX ( Account # XXXX, Date OpenedXXXX XXXX High Credit : {$180.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-06-07
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:
See document attached

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 2022-11-01
Company: Experian Information Solutions Inc.
State: MI
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2021-01-11
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ditech transferred my home loan to Shellpoint Mortgaging in XX/XX/XXXX. When covid-19 hit in XX/XX/XXXX, I was placed on forbearance which should have stopped late fees and the monthly payments. I read the fine print on the forbearance agreement stating that I would be responsible for FULL payment of my balance upon its completion. Therefore, I continued to pay monthly payments throughout the forbearance period. Starting in XX/XX/XXXX, I began receiving foreclosure mailings via certified and regular mail, I should not have been threatened with foreclosure as I was in forbearance and was paying my mortgage. When contacting customer service, I mentioned that my monthly statements were always incorrect, having late fees that should not have been accrued during forbearance and on average, my payments were indicated as three to four months behind. I was further informed that " The statements are never correct and we can not control the certified and other mailings because they automatically go out. '' Shellpoint is notorious for late reporting on payments, price gouging, and threats of foreclosure. They make it impossible on paper to " catch up '' on your balance and I feel, just want to take your property at all costs. They are insensitive to those being impacted financially by covid-19. My most recent conversation on XX/XX/XXXX, resulted in my review of the current monthly statement ( which stated that I was four payments behind again. ) The customer service representative said, " No, actually this statement is incorrect and you only owe " {$220.00} to be current for XX/XX/XXXX. '' I want to stop the threats of foreclosure as they are not warranted ( I now am in forbearance until XX/XX/XXXX. ) I also want Shellpoint to mail ACCURATE statements monthly, reporting payments in a timely manner, withholding unnecessary late fees, and stop bullying consumers into draining their savings in playing the impossible " catch up '' game. This company has the WORST online rating and someone needs to file a lawsuit for their despicable practices.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I sold a XXXX XXXX laptop to the person called XXXXXXXX XXXX XXXX on XX/XX/2022, the buyer send me the payment thought XXXX, the amount is {$980.00}. However, the buyer field a dispute claim with his bank under the reason : Unauthorized transaction on XX/XX/2022. This claim field by this buyer was against my Chase checking account, which result in my checking account frozen and closed. The buyer 's bank also withdraw the payment for the laptop {$980.00} from my checking account. I shipped the item to him and I have the tracking number. The buyer totally lied to the bank, just want the item for free. I need my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: DISCOVER BANK
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2022, a person by the name of XXXX XXXX created a XXXX account with her bank ( Discover Bank ). She illegally utilized my personal email address ( XXXX ) to set up that account. I do not know this person, nor did I give her permission to set up a XXXX account using my email address. She then fraudulently sent money, via XXXX, to herself using my email address. That money was deposited into her bank account with Discover Bank. I do not have a bank account with Discover Bank, nor did I send money to this person. She sent {$1800.00} to the bank account she has with Discover. I have tried to dispute this with my bank, XXXX, but they are refusing to provide any assistance. Even though I have sent proof of the email I received from Discover Bank proving someone illegally set up an account with them, using my email address. The person in the email name is XXXX XXXX. I have tried to contact Discover Bank but since I do not have a bank account with them, they advised it was only so much information they can provide or do to help me. My rights as a consumer were violated with the EFTA and Regulation E. Discover 's banking customer, XXXX XXXX, illegally and with no authorization set up a XXXX account with Discover Bank using my personal email address ( XXXX ) on XX/XX/2022 and was fraudulently sending and receiving money via XXXX. I was scammed out of {$1800.00} by their customer, and want to be reimbursed as I did not authorize this transaction nor do I know this customer using my email address for fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: MOHELA
State: OR
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 am eligible for a student loan refund from Mohela as part of the Biden administration student loan forgiveness program. I called on XX/XX/2022 and was told my refund request was approved and I would receive a refund within 30 days. 

When I still had not received a refund by XX/XX/XXXX, I tried calling Mohela 6 times throughout the day and their customer service number had a busy signal ( others were having this issue as well ). 

I messaged Mohela through their portal on XX/XX/2022 asking for a follow-up on when would receive my refund and they never replied. 

I tried calling Mohela 's customer service phone number and their automated messaging system told me that I am not eligible to speak with a live representative. 

I sent another message to Mohela through their portal today, XXXX XXXX, 2022. 

Please let me know if you need any further information from me. It has now been 45 days without payment when I was promised 30 days, and Mohela refuses to return my messages or answer calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation