BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-09
Company: TRUIST FINANCIAL CORPORATION
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:
I recently pulled my credit report and saw an unauthorized inquiry on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( LIGHTSTREAM ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( LIGHTSTREAM ) of any sort.

In regards to The company ( LIGHTSTREAM ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( LIGHTSTREAM ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.

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 2022-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A, states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2022-05-12
Company: EQUIFAX, INC.
State: VA
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 Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 would like to state that XXXX, TransUnion XXXX XXXX are in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a comsumer report in accordance with the written instructions of the consumer. I the consumer never gave XXXX written consent to report anything on my consumer report. No consent is identity theft. I demand that you remove these inaccuracies off my consumer report immediately. If they are not removed I will not extend my credit to anyone or allow these companies to furnish a report for me. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If the credit reporting agencies want to continue to do business with me, they should delete these inaccuracies off my consumer report. XXXX XXXX XXXX XXXXXXXX XXXX balance {$390.00} XXXX XXXX - no balance XXXX XXXX XXXX XXXX {$350.00} & {$1400.00} XXXX XXXX bank, hard inquiries including XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX  XXXX and XXXX XXXX XXXX, collections from XXXX XXXX XXXX - i also requested for ALL addresses, phone numbers and employment to be removed and my request was denied, the supervisor stated that these accounts were mine and they would not be removed which is in full violation of my consumer rights and I plan on getting remedy

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 2023-11-07
Company: MOHELA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
For XXXX  months in a row ( XXXX and XX/XX/2023 ) the amount Mohela states on their website I owe is different than the amount of my income driven repayment plan. Both months when I have submitted a payment ON TIME they have continued saying I am past due on my account even though I paid an amount greater than the amount owed. The XXXX  month I thought I had made a mistake however this repeated the next month as well. At this point I have made XXXX payments ( XXXX XXXX and XXXX ) on my account this month all greater than the listed amount owed prior to or on the due date ( XXXX ) however the website continues to say I am past due. When I attempted to pay this amount XXXX TIMES the website makes me toggle over the loans I am paying and after I do so it gives me a different amount owed. XXXX DIFFERENT AMOUNTS, always higher than the " amount due '' and once paid I am continued to be past due. I have called twice, spent XXXX hours on the phone on XXXX and was disconnected when the " supervisor '' finally answered the phone and received no call back despite being told I would receive a call back if we were disconnected. I call again today on XXXX and am told I have a different overdue amount that yesterday despite not making any further payments and all XXXX previous payments had cleared my bank account prior to yesterdays phone call. I have now been on hold for XXXX hours and XXXX minutes waiting to talk to another supervisor. All I am trying to do is pay the accurate amount owed and no one there can even tell me how much that is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04
Company: BBVA FINANCIAL CORPORATION
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:
This is a formal complaint against BBVA USA located in XXXX, AL. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, BBVA has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied and was approved for the Chase Marriott Bonvoy Boundless card from Chase. I used a link which advertised 1. {$200.00} statement credit after first purchase within 3 months of account opening, 2. Two free night awards valued at up to XXXX points each after you spend {$3000.00} in purchases in your first 3 months of account opening 3.  Annual fee of {$95.00} waived for first year. 

I instead received a {$250.00} statement credit and only 1 free night award valued at up to XXXX points. 

The award statement on my account documents Premier Plus Two Free Nights, each certificate good for 1 free night   up to XXXX points. There was only 1 certificate though. 

I contacted Chase several times to resolve the discrepancy. I asked them to change the statement credit from {$250.00} to only {$200.00} and to provide the 2nd reward certificate. I was not able to get any resolution, even with an escalation to a supervisor. The supervisor told me that the reward that I signed up for was a {$250.00} statement credit and 1 free night certificate. 

I do not agree with this. I carefully read the details on the Chase page before applying. In addition, the language in the certificate on my Marriott account documents 2 Free Award Nights. I have attached a picture of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-14
Company: ALLY FINANCIAL INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I rented a house about 3 years ago. The previous renter was XXXX XXXX. Other than the initial changing of water services, etc. I've had no contact with him. A year or so ago, I began getting calls from a debt collector. When asked how & why they had my number, they told me they have to right to investigate & call his relatives & anyone who might know him- they found my number by the address & it did not matter if I was on the Do Not Call Registry. One evening a guy came to my home looking for him. This man was driving a tow truck, so we presumed he was there to impound a car. I know that the house was broken into when XXXX lived there. This feels like a threat to my property & personal safety at this point. These people continue to call me about every 2 weeks. I've gotten voicemails form " XXXX '' & " XXXX ''. I spoke to " XXXX, employee XXXX '' today, who refused to let me speak to a manager and hung up on me. I've XXXX  to them & got no response. When the calls from them increase, so do all Robocalls/texts. I feel that they are illegally sharing my info as a threat.

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 2023-03-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am requesting that you provide information regarding a credit report listing that appears as XXXXXXXX XXXX XXXX within my consumer file. Until I fully understand this trade line, I wont know whether I should dispute either the credit reporting or its underlying debt pursuant to the FCRA, FDCPA, or other applicable statutes. Please know that I have received authoritative 15 U.S.C. 1679a ( 3 ) assistance in framing and sending this reasonable request and that I stand ready to escalate further should I not receive the information within 30 days because you may have seriously damaged my privacy rights, personal reputation, and financial standing. For that reason, I am asking you very specifically for the following information : Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship - i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit report immediately. 

Moreover, I am formally requesting that you communicate with me only in writing pursuant to FDCPA or related consumer protections

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 2022-05-12
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:
XXXX account was opened XX/XX/XXXX Balance {$380.00} XXXX XXXX  account was opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX account was opened XX/XX/XXXX Balance {$320.00} XXXX XXXX account was opened XX/XX/XXXX Balance {$280.00} XXXXXXXX XXXX XXXX account was opened XX/XX/XXXX Balance {$310.00} I have contacted all companies above stating that this is fraud. I did not open these accounts. They only account I opened is XXXX, a late payment is on this account and they agreed not to remark that!

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 2019-06-21
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I received a direct debit bill for {$300.00} on XX/XX/2019 for payment due XX/XX/2019. My online account currently appears to show that direct debit will occur for that amount. On XX/XX/2019, I received an email indicating that only {$5.00} would be extracted from my account. Upon calling Fedloan on XX/XX/2019 at approx. XXXX EDT, I spoke with XXXX ( employee ID XXXX ) and she was unable to confirm that such an email was sent. I am concerned that the improper amount will be debited to ensure that XXXX will count towards PSLF and meet my loan repayment obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: TRUIST FINANCIAL CORPORATION
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:
I recently pulled my credit report and saw an unauthorized inquiry on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( XXXX ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX ) of any sort. 

In regards to The company ( XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( XXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.

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 2020-04-13
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NewRez took over servicing from XXXX. 

When I call NewRez at their loan servicing toll free number the call center IVR states that call will be recorded as my call to them is related to a debt collection. When I reach an agent they state that the call will be recorded as it is in regards to a debt collection. 

Since my loan is not in default stating that the call is being recorded as it relates to an effort to collect a debt is not valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reached out to the credit reporting agency and they have refused to remove this iteam. By law this cant stay on my report but for ten years. The last activity was over 10 years ago. I have reached out to the bank and they have stated to me that they have sent removal paper to the credit reporting agencies with audio tapes backing them. The agencies have refused to do any action on this I am at my Witts end need help. In the supporting documentation first is Experian second XXXX XXXX XXXX  is 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 2022-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX, account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-03-18
Company: Experian Information Solutions Inc.
State: AZ
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:
My arrival plus XXXX XXXX XXXX XXXX # : XXXX is lost/stolen and some of the charges on the account are fraudulent charges/transactions.

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 2023-11-07
Company: MOHELA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Ive submitted an application for an income based repayment plan ( SAVE ) on XX/XX/XXXX. Prior to this I was on REPAYE. Since submitting my application, my account was put in administrative forbearance and interest is accumulating - Ive called numerous times to see about the status of my IDR application ( just says in process on my end ) and most recently XX/XX/XXXX was told it was processed but waiting to get pushed through. I was told all applications through the end of XX/XX/XXXX had been processed. Its been over 2 weeks since then, and I have not been able to get more updated information about the status. My loans will exit forbearance on XXXX ( I was told to my previous payment plan ) however the site states I will enter the standard repayment plan ( XXXX XXXXXXXX ) even though I was previously on ( REPAYE ) but I have not been able to get and answer as to why this switched to standard. 

Ultimately Ive been told for over 2 weeks my application for PAYE IDR has been processed, but it has still not been updated on my end and I continue to accumulate interest ( which would not be the case with PAYE ) and remain in administrative forbearance. No one seems to be able to find anyone who can speak to my administrative limbo situation, and when trying to get more senior customer service representatives Im told there are none available. In 3 weeks I will be defaulted to a high standard monthly payment ( which is also an error as I was not on this plan previously )- Im so incredibly frustrated that I can not get any of these things resolved.

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