BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion is reporting XX/XX/XXXX and XX/XX/XXXX late and attached is the XXXX letter showing I was in Forebearance during that time and before that time. Also attached is payment I made which further invalidates the late entries. This is incorrect, illegal and a violation of the fair 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 explanation
Consumer complaint received 2023-10-08
Company: Experian Information Solutions Inc.
State: GA
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:
Subject : Dispute Letter for Unauthorized Hard Inquiries on my Credit Report Dear Sir/Madam, I am writing to dispute certain hard inquiries listed on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ) in U.S. CODE 15 U.S.C. 1681 et seq. Section 604 specifically addresses the permissible purposes for obtaining a consumer credit report, and I believe that the inquiries listed on my credit report were not made with my written authorization. 

Here are the details of the unauthorized hard inquiries on my credit report : Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX  Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account XXXX : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : XXXX  Account Number Associated I have not applied for credit or authorized any of these companies to access my credit report within the time frame these inquiries were made. As a result, I am formally requesting that you investigate the accuracy and legitimacy of these hard inquiries and, if they were made without proper authorization, remove them from my credit report in accordance with the FCRA. 

Please provide me with a copy of my updated credit report once these unauthorized inquiries have been removed, as required by the FCRA. Additionally, I request that you provide me with a written explanation of the results of your investigation within the statutory time frame. 

I kindly request that you initiate the investigation process as soon as possible and notify me of the results within the 30-day period stipulated by the FCRA and provide me with the proof you obtained as required by U.S. CODE 15 U.S.C. 1681 et seq. Section 604. 

Under the FCRA, you are obligated to ensure the accuracy of the information contained in my credit report. Failing to do so can result in legal consequences, and I trust that you will handle this matter promptly and in accordance with the law. 

Thank you for your prompt attention to this matter, and I look forward to receiving confirmation of the removal of these unauthorized hard inquiries from my 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 2023-06-13
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Upon finding in XX/XX/XXXX that I was delinquent on monthly payments due to the increase in Escrow from the previous XX/XX/XXXX, I immediately coordinated with Nationstar Mortgage/dba Mr. Cooper to determine exactly how much was needed to become in " good standing ''. I immediately paid this amount in the first week of XX/XX/XXXX. I continued to follow up with Nationstar Mortgage/dba Mr. Cooper to see when they would change my status from " delinquent '' to now " good standing ''. I was told that they only make changes at the end of the month. However, you could plead with their " researchincoming '' department to see if they would do it sooner. " ResearchIncoming '' is nothing more than an automated response so no action was taking place. I made sure to continue calling and sending messages to Nationstar Mortgage/dba Mr. Cooper pleading with them to ensure they made the necessary changes from " Delinquent '' to now be " Good Standing ''. 

The end of the month ( XX/XX/XXXX ) came and went and now I'm in the middle of XXXX and we just pulled my credit again only to see that my account status has not changed. This is truly affecting my status and ability to sell my house and pay off my bills. I am a single parent and it is imperative that I get this resolved as soon as possible. I am trying to do the right thing but Nationstar Mortgage/dba Mr. Cooper is too big to care about their own constituents/members.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This is another ( out of many ) complaint against Citizen 's Bank and its fraudulent responses to our complaint to your office. Response we have received from Citizen 's bank dated XX/XX/2021 is nothing short of fraud. From XX/XX/XXXX to XX/XX/XXXX are only 27 days ( see copy of calculations attached ). Then there was a claim that interest from XXXX XXXX to XX/XX/2021 was {$51.00}. There was no such interest at all at any months in 2021. The following interests were charged to us : XXXX. ( i.e., computed for the month of XXXX ) - {$60.00} ; XXXX ( computed for the month of XXXX ) - {$53.00} ; XXXX. ( computed for the month of XXXX ) - {$56.00} ; XXXX. ( computed for the month of XXXX ) - XXXX ; XXXX ( computed for the month of XXXX ) - {$52.00}. Response ignored the issue of failing to account for {$1000.00} payment made in XXXX towards principal which apparently explained the interest charged in XXXX ( {$56.00} ) which was greater than the interest charged in XXXX. This is the reason of questionable " closing '' of our previous complaint with CFPB!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
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:
Monday XXXX-2021 @ XXXX XXXX I received a text message from my banks fraud dept. advising of a {$450.00} charge to XXXX and if I recognized it, I responded NO. Then at XXXX XXXX immediately after the text message I received a call from a man that claimed to be from my banks fraud dept. ( the phone number was from my bank ). The man advised me that our debit card had been canceled and a new one was already ordered. The man disclosed all my personal info including my secret 4 digit code that only my bank and myself is supposed to know. He then disclosed my mothers maiden name which is too only to be known by my bank and myself. Once he disclosed my personal info he asked me to verify my online banking user name and password which he also knew, I just confirmed it. The guy then sent me to text from my banks phone number displaying security codes that would give him authorization to access my account. He then explained to me that my account would be suspended temporally to protect from further non authorized charges. At that point he asked if I had any other questions which I said no and the call was ended. Then at XXXX XXXX I received another text from my bank advising of a {$1100.00} charge that was just made from my account. 

I called the same bank number that I just got off the phone with and was given to a lady in the fraud dept. I advised the lady of what just happened and she said I was scammed. She took my info, closed my account and deactivated our debit cards and advised that I needed to visit our local branch to open a new account. She told me not to worry that she had been working on this scammer all day and that I wasn't the only victim. 

On XX/XX/XXXX2021 @ XXXX XXXX I visited our local branch and spoke with a banker. He confirmed everything and excused himself while he made copies of the documents I brought with me. When he returned he advised that since this situation was my fault that opening a new account would likely not be approved, and getting the {$1100.00} we lost would likely not happen. The banker went ahead and opened a new account but said it would likely not stay active. 

At approximately XXXX we visited our local police department and spoke with an officer to file a report. After explaining our situation to the officer she advised that it would be impossible to track down the scammer because of the bank phone number used. I advised her what the bank had told me and she felt that we were dealing with a security breach or bank employee because the scammer new all my personal info including the security keys that only myself and the bank should know. The officer give me her contact info and advised that she would call the bank to see about what she can do for us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX 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 1692b acquisition of location information by debt collectors.

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 2022-11-11
Company: Experian Information Solutions 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-03-09
Company: Silverman Theologou, LLP
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was working with a collection agency on a debt of {$2800.00}. I offered a settlement to be paid of {$1800.00}. They submitted the offer and it was declined. During this time, I received a bill of {$2000.00} for a lawyer and found out that my position at work would be decreased. I said that I could offer {$50.00} a month and it would have to be dragged out. The debt collector told me that I originally made an agreement for {$150.00} a month and if I didn't pay it, he would start a legal process on me. He told me if I could afford a {$1800.00} lump payment, I could afford {$50.00} a month. I let him know that I just received a lawyer bill for a divorce and he told me that he didn't care and it was a personal matter. I told him that this personal matter is now affecting my financial situation. Once again he threatened to take legal action and then when I asked for a copy of my signed agreement ( there isn't one ), he told me he was taking legal action. 

Also, I have asked for a written statement so I know who I am paying, and they have refused. How sad that a woman who is going through a divorce with a husband who is an XXXX, had to sell her house because she almost went bankrupt, and is in the middle of a terrible divorce would receive such terrible treatment. Other debt collectors have been great in helping and understanding my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 

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 2022-11-11
Company: EQUIFAX, INC.
State: NJ
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 on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX Balance : {$420.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: AXOS FINANCIAL, INC.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I opened a checking account online with Axos Bank. On XX/XX/2021 I transferred {$2000.00} from my account at XXXX to Axos. On XX/XX/2021 I began a transfer of {$2000.00} from my account at XXXX and attempted to cancel this transaction on XX/XX/2021 but it went through to Axos. On XX/XX/2021 I closed the Axos account and asked to have the funds sent to my address on file with the bank. Instead they sent the funds back to XXXX and XXXX. At that time neither XXXX nor XXXX showed receipt of the funds. After numerous phone calls and emails between myself, Axos, XXXX and XXXX, Axos emailed saying they had contacted the Federal Reserve and were given trace numbers confirming the funds were transferred ( that email is attached ) .Vanguard was able to confirm the receipt of the funds with the Federal Reserve trace number but XXXX was not. I tried to contact the Federal Reserve but after going through several federal agencies including the Dept. of the Treasury, Bureau of Fiscal Services, I was told my only recourse was to file a complaint through this agency. I have asked Axos to find out what account the Federal Reserve deposited the funds into at XXXX but they did not respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In late XXXX of 2023, I was applying for a new car at my home bank. When they did a hard pull on my credit, they told me that student loans at XXXX were on there twice, each for {$84000.00}. 
We had consolidated that {$84000.00} with XXXX in XXXX of 2023. The XXXX amount of {$84000.00} is also on there. It appears that I have a student loan debt of {$310.00}, XXXX, when in reality I have a student loan debt of {$140000.00}. XXXX never removed the debt after the consolidation with XXXX in XXXX of 2023. 
In XXXX I called XXXX and when I started to tell the representative XXXX XXXX ) about my issue with my credit report, she interrupted me and said " It is not our fault, it is the fault of the Credit reporting companies. '' She explained that the same thing had happened to her and I need to file a dispute with Experian. She said there was nothing, no accounts, listed on her records at XXXX under my name or of my husband 's. I am the co-signer. 
I then called Experian and talked to XXXX about the situation. He first said that I am about the XXXX person this week to complain about XXXX. He filed the complaint for me. 
I received a result in XXXX XXXX saying the the dispute was completed and information was correct. But it is NOT! 
As I am writing this on XXXX, 2023, XXXX is listed on my credit report with amounts of {$84.00}, XXXX twice! 
I have enough student debt for our sons, without adding another {$160000.00}. This information is ruining my credit score. 
I am asking CFPB to demand that XXXX removes this incorrect information from my credit report as soon as possible. It seems that these companies are above the law. 
Thank you for your understanding and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: AES/PHEAA
State: MA
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:
XXXX XXXX XXXX ( PHEAA ) unlawfully converted my XXXX Grant to " irreversible '' loan due to a paperwork error on their part in the fall of XX/XX/XXXX. This has been on ongoing issue that began in the summer of XX/XX/XXXX when I tried to submit verification forms for my service agreement. They claimed they did not receive paperwork and also gave me a fax number that did not work after many many attempts. They converted my grant to a loan ( of XXXX including interest ), even though I had completed all of the service requirements they requested and as were outlined in my service agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
During the pandemic my son who is the main person in the loan contacted the loan company and asked for a forbearance due to the covid 19 situation. A cording with the federal Government students couldn't excuse for 3 months without been report to the credit bureau. After My son called to the loan company XXXX XXXX the reported my son and myself for late payment for 90 days, violating federal rules. I called XXXX XXXX and their representative stated to me numerous times that they are private lender and they don't have to follow federal regulation. That whatever federal government said doesn't apply to them. 

This is my second complaint and the first one someone from XXXX XXXX called me and stated that they will take care the issue, however, that was a lies. I spoke with a representative on XX/XX/2021 and he stated that they are private lander and the federal regulation doesn't apply to XXXX XXXX. 

My son is making payment on these loan and they have don't care about poor students, XXXX XXXX use dirty practice and customer service are very rude. 

I want them to remove my name from my son 's loan since he is working and able to make payment. We submitted the cosigned removal report to XXXX XXXX and the rejected our request. 

I want XXXX XXXX to remove our name from Credit bureau because its affecting our credit report without any reason. 

I want federal government to open an investigation on XXXX XXXX regarding student loan because they using dirty practice to collect money from poor people that cant afford to pay now and for not follow federal guidelines. 

The student loan # XXXX and 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