BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
STUDENT LOAN : ALL XXXX XXXX XXXXXXXX/ XXXX In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antidotes 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.

I demand the collections be removed from my account immediately.

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 2023-10-25
Company: CITIZENS FINANCIAL GROUP, 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:
I tendered a full payment to this company on XX/XX/2023. The tracking number for this payment is XXXX XXXX XXXX XXXX XXXX. They have not updated this account or responded to me to acknowledge that they have my payment even though the package was received and signed for. When I went to a branch, they dont even have the account listed on my report in their system. I am asking for two things.

1. Verify that account exists and a debt is owed.

2. Verify that payment was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: WELLS FARGO & COMPANY
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: Their investigation did not fix an error on your report

Complaint:
Well Fargo has closed the account do to fraudulent activity in which they investigated and provided documents that I was not responsible for those charges the charges took place in XXXX however they are still reporting late payments to the bureau! The late payments accumulate during the investigation and were payments requested from the Fraudulent charges! Those Late payments should be removed Also I was not responsible for payments made fraudulent Well Fargo letter states that I was credited back the money to my account but that account is closed so why wouldnt they credit the late fees I was a victim and the closed account is hindering my report along with these 90 days late payment reports I need it removed Immediately by Law its falsely reported I am not responsible for late fees in XXXX that accumulated from XXXX fraudulent transactions that Well Fargo credited back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: P&B Capital Group, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am request for to validate this alleged debt to clarify everything. I am not aware of this account with you so please send me validation and send it as a response to this complaint for CFPB to see it aside from sending it to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In XX/XX/XXXX, I called my student loan servicer ( Nelnet ) to ask when I needed to recertify my income-based repayment plan. I was advised I needed to recertify by XX/XX/XXXX. I was misinformed. My actual recertification date is XX/XX/XXXX because of government initiatives. In good faith, I recertified my income in XX/XX/XXXX. Now my payments are much higher than I can afford even though my income increased. I called Nelnet today ( XX/XX/XXXX ) asking what I could do. They said I can not cancel the recertification, even though they told me the wrong information. I would like to be put back on my old income-based repayment ( IBR ) since I was 1 ) misinformed and 2 ) there were no notifications ( emails, letters ) that I received regarding recertifying later than XXXX. I am willing to pay my student loans but would like to recertify my income at the actual assigned date in XX/XX/XXXX since Nelnet misinformed me. I want to be able to take advantage of the new XXXX coming in XXXX like the rest of the country.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am writing to follow up on my recent dispute regarding unauthorized and inaccurate inquiries on my credit report. I appreciate your attention to this matter and kindly request that you take immediate action to remove the hard inquiries from my credit report, as a resolution to this dispute. 

To provide you with the necessary details, I am outlining the relevant information below : -- -- -TransUnion 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 non-monetary relief
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2023, requested false information be removed. They flat out said no they would not help me. There was a report stating I was 30 days late, when actuality I submitted a request for a deferment for a total of two months.

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 2020-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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 wanted to pay off my Auto loan so I called XXXX and the Agent from XXXX asked me to use my credit card to pay the partial payment thru the Capital one Credit card so I asked the agent about the charges and other stuff and Agent told me that if you pay your credit card right away once the transection posted in your statement then you will not be charged any extra so I used my credit card. After call with XXXX, I called the Capital one just to make sure they don't charge any thing extra and they I knew that they charge 3 % transection fees. So I told them please stop the transection but they told me that they cant do that. so I called the XXXX they also told me the same thing. Then I again called the Capital one and asked for help so they told me don't worry for now, wait because if didn't go through it then you didn't need to worry. meanwhile I found that my cash advance limit is only {$150.00} so I thought that it will go through. but after 3 days it wend through and Capital one charged me {$120.00} ( XX/XX/2019 ). So I called again and explained everything about the situation and also explained about my cash advance limit ( {$150.00} ) and asked the agent how that is possible to give me {$4200.00} ( XX/XX/2019 ) cash advance even my limit is only {$150.00}. he said I cant do anything. I wasted almost 2 to 3 days behind that but nothing worked out. I feel being cheated as it shows clearly in my account that my cash advance limit is {$150.00}. please help me as they don't care much about their customer even I was with capital one with last 5 years. I felt helpless & so writing here about it. please help me. I would appreciate your help. thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
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:
I filed bankruptcy only one was XX/XX/XXXX, My XXXX XXXX was discharged.

( See Attached ). They change dates and switch names now to XXXX XXXX XXXX. The last time attend College was in XXXX. They are still reporting incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. accounts below has violated my federally protected consumer rights to accurately report information XXXX XXXX XXXX. 
Account : XXXX Account number : XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States In accordance with the irs/fcr canceled debts ( charge off ) is gross or ordinary income Income does not get reported on my consumer report Which makes the charge off an inaccurate report 15usc 1681e ( b ) 15usc1681 s2 Affirm has written it off as a lost and can no longer collect from me As defined by the IRS you must Report canceled that as gross as income on tax return and use a 1099c The IRS clearly XXXX charge off as gross or ordinary income. income does not get reported on consumer report which in fact makes you reporting on this account in accurate! 
Also see law 15 USC 1681 s-2 its requied you follow this law after investigation 15usc1681i, i have already contacted this company and they have not properly investigated this matter 15usc1681n My next step will be to collect monetary relief for this crime

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 2022-02-20
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Before I applied for refinancing, I specifically made it clear that under no circumstances would I accept a refinance that required an escrow account. I have been paying my property taxes, home owners insurance and flood insurance since 1979. The loan officer said to me no escrow is required and none would be in the future. I reiterated that only the principal and interest will be the monthly payment. 

Just about two years later, Newrez added an escrow to my statement. Newrez had not paid any taxes and/or insurances, I HAVE. Yet they added escrow. I called the customer service and the agent saw the escrow was added. I explained to him that I sent in the flood insurance " declaration '' page because they wanted proof of insurance. The agent investigated it and saw I pay all taxes and insurance, including FLOOD. He told me that the escrow would come off my statement. 

Weeks have gone by and during those weeks I have regularly sent documentation proving I am the payor. I receive form letters saying that they will investigate it, but the escrow payment remains. 

My perception why Newrez is doing this, say they hold 100,000 mortgages and each mortgage can average $ 250/month for escrow ... that gives them {>= $1,000,000} each month. Newrez takes advantage of the escrow accounts with other people 's money to make more to keep to themselves. Then they take those millions invest and profit by it without having to pay interest to an account holder. To bolster the balance of the aggregate escrow, they impose escrow on accounts that should not or do not have them by whatever means and by overinflating the escrow analysis. 

Newrez representatives are willing to tell you anything to get you to sign.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, XXXX XXXX have submitted a CFPB complaint from XX/XX/XXXX to Transition and XXXX XXXX XXXX XXXX and still haven't heard back with today 's date being the XXXX of XXXX. I, XXXX XXXX have first started my complaints to Transunion dating back to XX/XX/XXXX regarding a XXXX XXXX XXXX XXXX that was fraudulently opened in my name as a result of identity theft. All the bureaus removed this issue expect Transunion even though I completed the necessary pre-requisites in which I obtained a police report and filled out an identity theft report. I had obtained my Police Report from XXXX Police Department in XXXX. It has been over 90 days since I heard from transition or the credit regarding the investigation of this case and this is every hurting my credit report where I can't even get a home. Also, this is extremely illegal what Transunion is doing they have failed to answer my demands, as well as illegally held information not pertaining to me or my record on my credit report even after receiving documentation that it does not belong to me which vastly breaks FCRA laws and regulations. I will pursue with legal counsel and this will be my last CFPB report if this can not get fixed. You can also see my previous complaint IDS under the # XXXX XXXX, XXXX, and XXXX. Pursuant to 15 U.S. Code 1692e ( XXXX ) ( A ) by giving also representation of the amount of debt allegedly owed and the false representation or deceptive means to attempt to collect any debt Pursuant to 15 U.S. Code 1692e ( 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 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XXXX XXXX I filed disputes to all XXXX credit bureaus. XXXX, XXXX AND TRANSUNION. I DID NOT RECEIVE ANY INVESTIGATION WITHIN 30 DAYS. I've sent letters no response and complaints. I beyond frustrated at this time.

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 2022-01-30
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
after spending around 2-3 hours trying to log into my account by resetting my password this bank seems intent on keeping me out of my account. The instructions are sometimes muddled and always rushed ( 8 diget codes ). The process on a whole seems set up to frustrate one out of pursuing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a call from XXXX with Pheonix Financial Services. He provided me with my last four of social and child 's name. Stated I owe {$460.00} to XXXX XXXX for a ER visit on XX/XX/2015. I informed the man that my child was never seen by XXXX ER on that date and that I have recently spoke with XXXX ER who confirmed I did not owe that amount and was never seen on that date. He responded, " I am not here to argue with you ''. I let him know that I understood but, he is attempting to collect a false debt. He became very rude and told me I just need to pay. I told him I would look into this and if I felt I owe I would call him back he said that is fine you can ask for XXXX at XXXX. A few days after receiving that call I received a letter from them stating I owe {$460.00} with no information included.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
purchase a bus ticket online around the first week of XX/XX/2018 at XXXX. The ticket was for a family member who intended to travel to California. However, upon arriving at the bus station. My nephew was informed that in order to receive the ticket He would have to provide Identification which he lacked at the time. He inquired about a refund.However, since I made the purchase he was told the refund would be made to the person that purchase such ticket. In such case, I e-mail XXXX but with no luck. Since they fail to reply i decided to contact the credit card company, the one used to complete the online purchase. I filled a dispute and was temporarily issued a credit on XX/XX/2018, which was charged back to my card on XX/XX/2018.According to citi banks they were advised by XXXX that the purchase ticket was non-refundable.However, when my nephew first inquired about a refund there was no mention of the ticket being non-refundable. Instead he was told It would be credited back to the purchasing party. Furthermore, there was no service rendered nor was there any mention of the ticket being non-refundable. Also consider the fact that price I paid for the ticket was at least 30 % higher compared to other bus ticket to California.

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