BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-04
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following, XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; US DEPT ED XXXX Balance : {$4300.00} XXXX US DEPT ED XXXX Balance : {$3100.00} ; XXXX XX/XX/XXXXXXXX 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 2018-10-11
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have some accounts on my credit report that have been on my report more than 7 years. some of these accounts are more than 10 years. When I dispute these accounts more negative information is added and account remains. By law these accounts should have been deleted. 

XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 70 % Balance {$1000.00} Balance Updated XX/XX/XXXX Credit Limit {$1500.00} Monthly Payment - Past Due Amount {$1000.00} XXXX XXXXXXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 254 % Balance {$7600.00} Balance Updated XX/XX/XXXX Credit Limit {$3000.00} Monthly Payment - Past Due Amount {$7600.00} XXXX XXXX XXXX XXXX XXXX Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Installment Negative

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 2018-03-08
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hi, I had submitted a complaint before, and I did not have much information either. But I now know that the owner of the loan is XXXX University, but the servicer is XXXX  XXXX XXXX ( " XXXX '' ). My Perkins loans is showing as defaulted in the National Student Loan Database System ( " NSLDS '' ). I have called them multiple times to get this corrected, and each time they say that they submitted a  work order, but after 3 years of me fighting this, it is still showing as default. The loan is paid in full, and this is always causing issues when I request financial aid with my current university. I do not have any contact information for XXXX, but XXXX contact information is : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
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:
I have the right to contest any information on my credit report that I believe is inaccurate, per the Fair Credit Reporting Act. The data included in it must be documented and validated before its shown to anyone else, because if not then there 'll just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately.Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to confirm and verify the items are indeed reporting correctly or remove them permanently from my report. I want you to send me a hard copy of your actions and my updated credit report. The evidence of your actions and my updated credit report should be sent via mail.

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 2023-04-06
Company: Dave Operating, LLC
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I closed my Dave bank account in XXXX of XXXX due to fraud charges going back to XX/XX/XXXX. When I closed my account a dispute was to have been filed and was not. Over a period of time I went through Dave as we well as evolve bank whom the have a Open banking relationship with. When Dave was not investigating as they should I contact evolve who did nothing. Dave was informed on several occasions I never changed my password or ordered a replacement card. The claims charges matched up several of them don't I don't have cashapp or anything like they said. I told Dave who did this Dave also spoke with a witness about this as well. Dave failed to investigate and look into claims. Dave also was to have sent out a check with my balance of {$30.00} and never did that either. The IRS is also involved because of a tax return and stimulus going to the account. When I found out it was compromised I questioned there security on the account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My bill was due on XX/XX/XXXX. I paid 1 day late ( XX/XX/XXXX ). I was charged a late fee of {$39.00} on XX/XX/XXXX. This put me over my credit limit by {$1.00}. I was then charged an overlimit fee of {$39.00}. I think that the law is that they can not charge an overlimit fee that is greater than the amount that is overlimit ( in this case {$1.00} ). This identical issue happened on XX/XX/XXXX. This time the overlimit amount was about {$8.00}.

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 monetary relief
Consumer complaint received 2023-08-02
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I brought a home as first time buyer, shortly thereafter my mortgage was changed to a different servicer, Mr. Cooper. My monthly mortgage payment included my PMI insurance for an amount of {$2100.00} per month. At closing I paid for my hazard insurance for the year. On XX/XX/2023 that policy was to renew with XXXX. However, XXXX quoted an increase of {$2.00}, XXXX increase. I told them I am not renewing. The escrow department for Mr. Cooper called XXXX and XXXX told them the hazard insurance is XXXX. When I tried to make a payment, I noticed my mortgage was now {$2300.00} for a monthly payment. I called Mr. Cooper who told me that was for my hazard insurance. I then conferenced called XXXX with Mr. Cooper 's escrow department. XXXX acknowledged the mistake and stated they would send the check for the difference as they could not send it to the escrow department. Mr. Cooper 's escrow department stated, once I receive the check for the difference of {$1800.00} from XXXX, to immediately deposit in my escrow account and my mortgage payment would resume the original amount of {$2100.00}. I made the XXXX payment of {$2300.00}. On XX/XX/2023, I received the check in the amount of XXXX in which I deposited into my escrow account,. I called Mr. Cooper and they claim they would do an escrow analysis to correct the erroneous increase. On XXXX the problem was not resolved. I called again and spoke to XXXX XXXX did not give me her last name ) and she stated the mortgage would not change. The escrow department advanced payments and that paid for the credits. I asked for an account history. After receiving the account I asked why am I being charged a PMI. XXXX stated that is part of the loan. As we went down the list of transactions, the amount deposited was not deducted. The PMI amount is included in the mortgage payment of XXXX. I am being charged twice for the PMI and my fixed rate mortgage should not be at {$2300.00}. I made the XXXX payment at that amount and now I need to know what do here. I calculated the discrepancy on just the hazard insurance error and it is at {$2600.00} not to mention XXXX I am being charged twice since they took on my mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: WELLS FARGO & COMPANY
State: NY
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 recently sent you a request to reinvestigate the information previously disputed. I have attached my previous correspondence for you to revisit. 
The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general. 
Remove this incorrect information at once and send me an updated copy of my credit history report. 

1. I have never been late with payments on this account.

WFHM Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

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 2018-03-08
Company: Ditech Financial LLC
State: OK
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:
In XX/XX/XXXX or XX/XX/XXXX Ditech Mortgage Co increased my monthly payment. I was never notified of this, they had a wrong address on file, but they did have my correct telephone number and no one tried to call. The mortgage company process will not post a lesser amount as a payment, they just hold on to it, by XXXX, they sent a report to the credit bureaus for 30 days delinquent. As soon as I was aware of the situation I called and made a payment and ask them to work with me and reconsider the credit report, I was unaware of the increase and I sent in a payment every month since XX/XX/XXXX. The contact on the phone stated they could not help me. I requested to speak with a supervisor and after a long wait I was transferred to a recording. I left contact information, but no one every returned my calls. Please help me work with the mortgage company to remove the delinquency from my account, I never missed a payment and I know have lost over 100 point from my Credit Score and it will remain on my account till XX/XX/XXXX. THis just is not right please help me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TMX Finance LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am unsatisfied customer of Title Max. When I opened my title loan the representative gave me a total debt of {$1300.00} due to be taking out a loan of {$1100.00}. He assured me that I had 12 months to pay off my loan as long as I made the minimum payment of {$190.00}. I have made 4 payments. Yesterday for {$250.00}, XX/XX/XXXX for {$190.00}, XX/XX/XXXX for {$200.00} and XX/XX/XXXX for {$200.00}. Once I checked my balance on the online portal I noticed that the debt balance of {$1300.00} had not decreased. I called and asked why hadnt it and how I should have a balance of {$500.00} and I would be settling it and closing out the account next week. Title max assured me that I could not close my account and that my balance was still {$1300.00}. TitleMax then stated that my monthly payments were for the customary fee. However I was not informed of a customary fee outside of the minimum monthly payment of {$190.00} that I was told to make. I have called the customer services for hours this entire week and every one is selling me the same pitch. I then conducted a research and seen several articles referring to Title Max mispresenting their loan to other customers. I was then lead to your company and spoke with a representative who told me that the article and actions were taken in the year XXXX so she did not know what would be the appropriate steps due to this happening to me now in the year XXXX. She advised me to contact Title Max and request an enforcement action. Title Maxs XXXX District Office contacted me and declined that request. Title Max dismissed my case with a bland statement asserting that they know the manager XXXX. Title Max stated that XXXX has been with them for 8 years and would not have told me I had more than 30 days to pay off my loan. Implying that I am liar and he is credible due to longevity and relationship. This is unfair. This is injustice at its best.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Centron Services
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On approximately XX/XX/XXXX I was served with a summons from XXXX XXXX XXXX on behalf of Centron Services XXXX DBA XXXX XXXX that was dated XX/XX/XXXX notifying me that I had some medical debt that was owed to XXXX.XXXX  from services that I received. I had received services at XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I had provided the hospital my insurance card and had not received a bill so I assumed the insurance had paid it. I was shocked when I received the summons as I had never been notified of the debt, nor had I received my rights to dispute or validate the debt owed. Upon trying to call Centron I  was told my response to the court was due XX/XX/XXXX. I told them that I had neither received notice via mail or by telephone letting me know the debt was outstanding. This is a violation of FDCPA and when I asked about making payment arrangements they refused to allow me to make payments and I " better figure out something within 2 days ''. I told the representative that I had been laid off due to Covid-19 and she became rude and told me I was " going to court '' and hung up on me. I do not feel their behavior was appropriate and threatening me and refusing to assist me or allow me to get assistance from the original creditor is against my rights. This has caused me great emotional stress. This has been a terrible experience and they should be ashamed of themselves for denying me my rights and threatening and hanging up on me. Further more, when pressed the agent was unable to give me a valid phone number ( the hospital has my current number ) and would also not verify the address they had on file for me. They have added court fees and interest to my bill which should be removed as I was never notified of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Block, Inc.
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Cashapp has hadn't account locked since XXXX XXXX @ XXXX Now as of XX/XX/2022 @ XXXX I received an email saying it was unlocked, but My account say as of XX/XX/XXXX @ XXXX the issue was resolved, But yet my account is still locked I have received the email stating it was unlocked but they yet to do so I want my account unlocked to receive my money and then deactivate it. Asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting 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:
Hard Inquires for new credit were done on my credit report without my consent, I didnt approve for any of this, someone have being using my information for fraudulent purposes. 

The this of companies or banks that were use to request this credit/loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-23
Company: Experian Information Solutions Inc.
State: TX
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 requested that a few accounts on my credit file with Experian be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent several follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.

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 2023-07-14
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 submitted a letter to the XXXX XXXX Transunion Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$520.00} XXXX XXXX XXXX Balance Owed : {$560.00}

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 2023-07-23
Company: Experian Information Solutions 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:
It should be known that at current time, Experian Credit bureau is reporting a account named XXXX  under account # XXXX that has numerous errors and discrepancies that violate the F.C.R.A. and due process of federal law. Experian is also failing to report a accurate and complete report regarding this XXXX  account. A dispute was filed and assayed to be accurate and updated. Copies of the consumer 's Experian credit report along with his smart credit 3 bureau report are herein incorporated for all errors and incompleteness to be seen. The errors are as follows : 1. Days late under 7 year history says consumer was 90 days late four times. Contrary, under 2 year payment history, it shows the herein consumer was only 90 days late two times and not four. The only 90 days late were in XXXXof XXXX and XXXX. Of XXXX. Both can't be correct. One has to be incorrect. The consumer asserts he has never been 90 days late four times but only two! 2. Payment history begining from XXXX of XXXX until XXXX. of XXXX is missing and or absent making report incomplete. 3. Date of last payment is incorrect. On report it says XXXX. is XXXX of XXXX. Contrary, on two year payment history calendar, it shows date of last payment was made in XXXX of XXXX. Both can't be correct. Only one Date/Month for last payment can be correct! 4. Date account was closed is missing making report incomplete. 5. Date of last activity is missing making report incomplete. 6. Monthly payment amount is missing making report incomplete. 7. Date of first Delinquency is missing making report incomplete. 8. Terms are missing making report incomplete. All errors are in black and white and anyone should be able to see them.

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 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 sent XXXX the following information that was incorrect on my credit report XXXX. XXXX XXXX XXXX Account Number XXXX Opened XX/XX/XXXX Balance {$2500.00} - THIS IS NOT MY ACCOUNT ( FRAUD ) XXXX. XXXX XXXX Account Number XXXX Opened XX/XX/XXXX Balance {$7400.00} - THIS IS NOT MY ACCOUNT ( FRAUD ) XXXXXXXX XXXX XXXX XXXX  Account Number XXXX Opened XX/XX/XXXX LATE CHARGES IN XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX ARE INACCURRATE

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