BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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/2020, I submitted a dispute to Transunion regarding incorrect reporting on 2 closed mortgage accounts by XXXX XXXX XXXX. XXXX  XXXX XXXX incorrectly reported delinquent payments on these accounts while they were in forbearance that XXXX  XXXX XXXX offered me due to the CARES act. My Transunion credit report is showing the accounts in forbearance with delinquent payments at the same time. I reached out to XXXX  XXXX XXXX, who corrected the information on my accounts. 
XXXX  XXXX XXXX informed me by letters dated XX/XX/XXXX and XX/XX/2020 that XXXX  XXXX XXXX had updated reporting of these accounts to show payment status as " payed as agreed '', with no mention of delinquency. Transunion has failed to remove the remarks from these accounts, and is informing me that the incorrect information is what XXXX  XXXX XXXX has verified as correct. 
On XX/XX/2020, I sent another dispute to Transunion by registered mail, for which I have not received an acknowledgement receipt. I called Transunion on XX/XX/XXXX to inquire as to the progress of the second dispute, I was told that no letter or documentation had been received. As of today, XX/XX/XXXX, I have not received communication or confirmation from Transunion regarding this latest dispute, and the inaccurate information is still on 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 non-monetary relief
Consumer complaint received 2019-01-16
Company: DFC Global Corp.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a personal installment loan for {$5000.00}. I realized it was at a high interest rate but never did I realize the excessive rate. I have a payment of {$550.00} per month and yesterday I found out from the creditor that only {$10.00} per month of that is going towards principle. I would have NEVER taken the loan if I had known that was the case. It was not explained to me in the loan process. 

I TOTALLY realize that there are a lots of places out there like this one. I have  had them before but never to this extent. 

My complaint is that creditors should first of all explain this upfront in the loan signing process. Our government laws should but NEVER allow companies to rip off people this way. My credit scores are low but I do make my payments. 

I also want to know the organizations and/or government agencies that are working on correcting this abuse to consumers so that I can follow up with them. 

I will also be sending a letter to congress voicing my option. 

Any information that you can provide me to get involved in stopping this is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: NJ
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:
i did not authorize these inquires on my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-05
Company: WELLS FARGO & COMPANY
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter to the credit bureaus on XX/XX/22 requesting a reinvestigation into some questionable items on my credit report. The items still remain on my credit report as verified, but I was not provided the investigation results. Failure to provide the results and the details are a violation of the FCRA.

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 2021-12-30
Company: Navient Solutions, LLC.
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:
Navient pulled my student loans out of deferrment. Sent me a letter stating i was 90 days late and they had reported it to the credit bureau. I contacted navient and told them my loans were fedral loans and that per the President of the United States i shouldn't be making payments. I was told the loan was a commercial loan and didnt qualify for that. I have never had a commercial loan EVER with a student loan because i didnt have the credit or capacity to do anything other than federal grants and aids. I explained that my loans went into default and i went through the process of making payments a few years ago to get them back in good standing, and that recently i started trying to pay interest only payments while in deferrment but nothing else happened on the loans. No one would tell me why my loans were switched to a commercial loan only that they were. I paid my loans all " current '' XX/XX/2021 with a {$410.00} payment and {$140.00} XX/XX/2021 and when i pulled my credit today XX/XX/2021 navient is reporting i am 2 months 90 days past due. They are lying and moving loans around to put me in default, please please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account Number # XXXX 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: MOHELA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I applied for SAVE plan. Of the 11 loans I have with Mohela, only 4 are on the SAVE plan, while the other 7 plans say Level. 

I am unable to reach anyone due to long wait times. I logged in to plan to set up my payments to restart, however, theyre not accurate with only 4 of 11 on the correct income driven repayment plan. 

I called on XXXX and waited for greater than 30 minutes before I needed to hang up. The issue is unresolved. I can not make the stated minimum payment of {$2800.00} by XX/XX/2023. The estimated repayment amount with the loan simulator is around {$82.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 XXXX XXXX, contacted TransUnion via certified mail from the USPS. It has been over 30 days and they are in violation of my consumer rights in addition to violations I listed in the affiliate. The law clearly states that the negative disputed information must be removed if an investigation is not completed in the 30 days congress set as the time frame. I am demanding all items i disputed be removed immediately. TransUnion is not above the law and must remove the items. They sent me a letter stating they that they were unable to locate a credit report ( consumer report ) for me. However This couldn't be true due to the fact that I enclosed a copy of my Drivers license and proof of address. Also TransUnion letter also contained my consumer file number on the top of the letter they sent and at the bottom of the letter for me to use to contact them. This was a terrible stall tactic that was used to knowingly and willfully continue to try to violate my rights as a consumer. Obviously you have my file if you have my file number.

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 2018-04-27
Company: SYNCHRONY FINANCIAL
State: OH
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:
I paid a balance due of {$340.00} to XXXX for a deferred interest promotion that was expiring XX/XX/XXXX. The check was mailed onXX/XX/XXXX and I notified the representative that the payment was in the mail via check. She told me they would allocate the payment to my account and allow up to 30 days until my check arrived.

My checked was mailed -XX/XX/XXXX and XXXX  did not post my payment until XX/XX/XXXX after the next interest period causing me interest fees.

When I spoke with the representativeXX/XX/XXXX after having received my new bill today XX/XX/XXXX my payment had still not been applied to the promotional amount. I had to request the allocation of the payment once again to the promotional balance expired XX/XX/XXXX. She allocated the payment to alleviate the interest charges but had I not phoned them it would have never been allocated and my deferred interest payment fees would have ensued. I was told it would be applied in 24-48 hours but not be allocated for 1 or 2 billing cycles ... .to my account. The total of {$59.00} deferred interest fees will be credit back to my account. I have 2 concerns : 1. How many customers have mailed payments for their deferred interest timelines and were not credited back their interest charges. Did all of the customers have to call again and request their payment to be allocated? I had already called and made conversation the amount being sent and what it was to be allocated for the first time, why was it not applied? 3. Why will it take 1-2 billing cycles for my credit to post to my account ... for more interest to be earned by XXXX a million customers ....?

2. Why did it take 25 days for my payment to post to my account ... could there be additional interest charges being gained by XXXX ... .to hold the payment? I was told it would show as a credit in 24-48 hours but why up to 2 billing cycles to show on my statement. Please investigate the XXXX   store card.

I

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 2023-05-25
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My lender United Wholesale Mortgage ( UWM ) impounded my taxes and insurance. The taxes were due XX/XX/XXXX. I refinanced in late XXXX and on XX/XX/XXXX my loan with UWM was paid in full. I learned on XX/XX/XXXX that UWM had NOT paid my taxes. My county assessed a late penalty on XX/XX/XXXX in the amount of {$380.00}. I paid the amount of taxes due PLUS the penalty on XX/XX/XXXX. It has been over 30 days since I closed on the refinance and I still have not received my escrow impound refund in the amount of {$10000.00}. I have called XXXX times and have been given the run around all three times, most recently today ( XX/XX/XXXX ) when I spoke with XXXX. The first call I made, the employee told me the check was cut on XX/XX/XXXX. I checked my online account today and saw that the check was not cut until XX/XX/XXXX, and it is XX/XX/XXXX and I still don't have it. It's not rocket science to know someone is not being truthful. XXXX told me it can take between 10 and 15 additional days to receive it because of the mail, and also the holidays, and also that they are so " busy. '' Again, not rocket science. If XXXX can get packages delivered in a day or 2, I expect someone ( UWM ) holding my money can make returning it to me a priority. I asked for an escalation and was transferred me to " XXXX '' who never came on the line. Despite having my phone number, and confirming it on the call, they didn't bother to call me back. I am confident that UWM has not acted in good faith. As my fiduciary, I trusted them to pay the taxes as they had my money. They breached their fiduciary responsibility. They are not acting responsibly in my best interest. They have balked and tried to pass the buck for weeks. There is no excuse for them continuing to hold my money and creating significant financial hardship to me. They continue to earn interest on MY money. I am a senior citizen, on a limited income and this seems illegal. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Nationwide Recovery Systems, Ltd
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I looked at my XXXX credit report and it went down 56 points. I immediately look to see what it was and call the collection agency number to find out who it was from. Than I called the billing department at the hospital they didn't have any records of me at all. So they told me to call the collection agency and get a account number. I called them and they gave me a number and they said that the bill came from a doctor not the hospital and they gave me the doctor 's name. So I called the billing department back and gave them the information and they said that the doctor 's don't have separate billing and the account number wasn't even close to the ones they use. And the guys I talk to at the agency told two different stories. I need this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: EQUIFAX, INC.
State: IL
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:
THIS IS NOT A DISPUTE FOR INACCURATE OR INCORRECT ITEMS REPORTING ON MY CREDIT FILE. THIS IS NOT A DISPUTE. DO NOT START AN INVESTIGATION. In response to CFPB complaint number XXXX : Equifax responded to my CFPB complaint by stating In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the reporting company was completed and results were mailed to you. In my complaint I clearly stated in caps I was not requesting an investigation. Neither am I requesting documents from an investigation. I stated the charge off accounts by law are not to report on my consumer report only on a consumer file pursuant to 15 USC 1681c ( c ) / PUBLIC LAW XXXX. XXXX, 1996 XXXX STAT. XXXX. Please find the Public Law and United States Code attached below both of which are made public for anyone to research. For charge offs and collections the 7 year reporting period only applies to items in a consumer 's file not a consumer report. A consumer reporting agency may not make any consumer report containing accounts placed for collection or charged to profit and loss pursuant to 15 USC 1681c. I am requesting that Equifax follow Federal Law by removing the following charge offs from my consumer report : XXXX XXXX XXXX XXXX - Account # XXXX - Charge Off, XXXX XXXX XXXX XXXX Account # XXXX - Charge Off, XXXX XXXX XXXX XXXX - Account # XXXX - Charge Off. Once this lawful request is complete, send me a copy of my consumer report not my consumer file. Please note a consumer report serves as a written, oral or other communication in establishing a consumer 's eligibility for credit or insurance to be used primarily for personal, family, or household purposes, and employment purposes. A consumer 's file is all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. They are not the same and I am requesting my consumer report once this request is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: AL
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 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The 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 alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30
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:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my student loan ( DPT EDXXXX ) . The status is reporting late. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?

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