BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-20
Company: LEXISNEXIS
State: TN
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 XXXX XXXX, rights of privacy has been violated and breached by this fraudulent company which is a direct violation of federal law 15 U.S.C 1681 ( a ) ( 4 ). This fraudulent company is a also in violation of federal law 15 U.S.C 1681b ( a ) ( 2 ) by reporting misleading accounts on their website without my written consent. This fraudulent company is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. This fraudulent company has no respects of my rights to privacy. This company was compensated to break the federal law by violating my rights to privacy. Their negligence has caused me distress and I'm seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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 items 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 items 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 items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX  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 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 2023-06-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
All three reporting agencies have incorrectly stated that my oldest account is XXXX XXXX XXXX when my oldest account is XXXX XXXX XXXX with XXXX. { one more ridiculous XXXX XXXX issue* see previous complaints } Additionally all three reporting agencies are more than 30 days late in reporting new balances this adversely affects my credit rating transunion is the worst offender but all XXXX lag behind real time to an untenable degree. 
I am unsure if the mis-rating of my credit rating is retaliatory based on prior complaints to CFBP or just business as usual for this industry but my rating on all XXXX should be XXXX thats post amex 's unlawful damage to my account. { If my accounts are unrestored by XX/XX/XXXX, I have counsel ready to serve XXXX legally but will not proceed with legal action until I receive the final resolution / company response from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: MOHELA
State: MN
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:
Starting in XX/XX/XXXX Mohela artificially stopped auto-payments and set my loans to forbearance. At the beginning of the payment pause due to Covid, I had specifically elected not to pause payments. Prior to XX/XX/XXXX, my payments had remained the same with the entirety being applied to the principle. Artificial stoppage and no means to rectify was the issue, their prescribed work around was to manually make payments until XX/XX/XXXX despite it working previously. This was a call, was recorded, involving a customer service rep, their XXXX, and an individual in IT? 

As of today, Mohela has reset my graduated repayment plan to the full XXXX? year despite having already been enrolled for 15 years. Previously my payoff was to occur primarily in XXXX, now XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
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: Their investigation did not fix an error on your report

Complaint:
The TRANSUNION credit reporting agency is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting this violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The accounts listed below are inaccurate. TRANSUNION has not taken the correct steps to evaluate the information. Ive contacted them about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all TRANSUNION & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update these accounts to never late. This is a strict violation of Fair Credit Reporting Act sections 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I need you to please evaluate this reporting by making a revision of the information provided. 

XXXX 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

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 2023-02-03
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Account with Wells Fargo Mortgage. Have tried to find out why my escrow account keeps coming up short and they keep raising my monthly payments to cover it on a fixed mortgage account that seemed to stay the same for some 8 to 9 years and now just keeps going up. I saw a story about a lawsuit that says Wells Fargo has been making mistakes or falsely making adjustments illegally. You can no longer even contact them online anymore about your account. You ahve to try and call and get the runaround. I just saw a new hazzard insurance payment that I do not believe I ever saw before which I do not believe I agreed to either which needs to be paid back to me and if there were other payments of this they need to be paid 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 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-03-01
Company: TD BANK US HOLDING COMPANY
State: NC
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:
the following accounts are on my credit report as charged off. they were included in a XXXX  XXXX bankruptcy. I sent letter ( XX/XX/21 ) to them. But most updated my credit report incorrectly. changed the balance only to zero but still left it as charged off. TD bank USA/Target sent a letter saying they were going to update the credit report but have sold it. they are as follows. 
td bank usa/ target, XXXX XXXX XXXX XXXX mn XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  oh XXXX XXXX XXXX XXXX, same as above XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  oh XXXX XXXX XXXX XXXX XXXX, XXXX fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} ; XXXX ( Original Creditor : XXXX XXXX  XXXX  XXXX XXXX XXXX : {$700.00} ; XXXX  XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$2200.00} ; XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX : {$600.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$1700.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$1200.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4900.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$590.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} ; XXXX ( Original Creditor : XXXX XXXX  XXXX  XXXX XXXX XXXX : {$700.00} ; XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$890.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX MD PA ) XXXX Balance : {$600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: AMERISAVE MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1- They try yo push me to pay {$1100.00} for wind/storm insurance, the period XX/XX/XXXX through XX/XX/XXXX. 
While I already had a policy XX/XX/XXXX through XX/XX/XXXX. 
2- They claim payment in XX/XX/XXXX for a period expired in XX/XX/XXXX. 
Never heard to pay for XXXX insurance in XXXX, it is always paid in advance. 
I called and mailed snd emailed hundred times, no one seems to understand or even care. 
I Mailed and emailed them a copy of that expired policy, highlighted the paragraph that says named wind/storm with a1 % deductible, they dont want to even read or understand.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To : Consumer Financial Protection Bureau RE DISPUTED CHARGES AND INTERFERENCE WITH ABILITY TO PAY HOMEOWNERS HAZARD INSURANCE. 

The attached letter and record files are submitted to CFPB for enforcement and to assist us in recovering unauthorized charges made by Specialized Loan Servicing , LLC which we believe is related, in some way to XXXX XXXXXXXX XXXX  XXXX. as an alter ego. 
In early XXXX we finalized a XXXX-year XXXX  XXXX bankruptcy payment program. At the time, loan servicer Specialized Loan Servicing , LLC confirmed to the Bankruptcy Court that there were no outstanding debts owed. Our XXXX XXXXXXXX program was successfully completed by XXXX, XXXX. 
On or about XX/XX/XXXX Specialized Loan Servicing, LLC contacted our insurance carrier and directed them to disallow us to make insurance payments directly. There is no escrow and Specialized Loan Servicing, LLC ( SLS ) already knows ( and previous CFPB complaint confirms ) that we dispute SLS 's claimed debt. SLS did not make any insurance payment. On XX/XX/XXXX we corrected this ploy by SLS to set us up for unauthorized charges with our insurance carrier. We made a monthly premium payment ourselves which we have been continuously doing since XXXX, XXXX when SLS took over loan servicing from alter ego XXXX XXXXXXXX XXXX XXXX 
Meanwhile, Specialized Loan Servicing, LLC charged our mortgage account periodic unauthorized fees now totaling {$69000.00} in year to date Fees/Charges/Optional Product.

We seek guidance and assistance from CFPB in stopping the loan servicer abuses made by SLS. We can provide any additional evidence requested beyond the attached correspondence made to SLS. We have extensive and valid legal evidence of all of our payments to SLS. In addition, we have numerous monthly billing statements and our Qualified Written Requests to SLS ( and alter ego XXXXXXXX XXXX XXXX XXXX  ( XXXX  ) ) which show the extent of their Fantasy Financials. SLS ( XXXX ) has continued their attempts to defraud us via bogus, unspecified, unauthorized charges and fees placed against our residential mortgage. 
Thank you in advance.

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 2023-10-01
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XXXX online payments have not been processed XXXX, XX/XX/23 in the XXXX  of XXXX, XXXX  XX/XX/23 in the XXXX  of XXXX, nor on XXXX  XX/XX/23 in the XXXX  of XXXX. A Huntington bank associate told me they dont process payments on weekends but I didn't think TXXXX XXXX nor XXXX  were non processing days. I don't understand XXXX. I was also told by a Teller in person their processing day after the XXXX  is XXXX. XXXX XXXX XXXX dates are also misconstrued or altered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Irecentlyreviewedmycreditprofileandnoticedinaccuraciesandfalse accusations by XXXX. Iam formally requesting that thesebeinvestigatedproperlywith immediacy. 

Account one has a balance of {$28000.00} and account two has a Balance of {$36000.00} XXXX continues to report 2 Delinquent accounts inaccurately on my credit report.

-Showing Different account numbers -This creditor does not own this account -Each Bureau shows a Different date of last activity -This account has been re-aged -They are reporting payment after this account was closed -They are reporting this account as transferred -Different dates listed under date of last payment -I disputed this account but nothing was sent to me legally to verify ( There is no indication that I disputed this account on my credit profile )

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these inquiries that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( i ) I have the right to deny anything being reported on my credit report.

15 U.S code 1681n Infamis of pulls or unauthorized account not mines.

I will have to file litigation due to the stress you cause me. I am authroizing this investigation this is not a third party company.

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 2021-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
On XX/XX/2021 I sent an Affidavit of Truth, FTC report, dispute letters and invoice for violations in accordance with the Fair Credit Reporting Act. According to law, if my Affidavit of Truth does not have a rebut within thirty ( 30 ) days of date of receipt shall convey assent to, and agreement with all the facts within the Affidavit and invoices shall be payed in full. To prevent being charged for actual damages and/or criminal charges, a rebut of the Affidavit or removal of items in dispute letter and payment of invoices shall be received with the thirty days.

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 2021-06-08
Company: EQUIFAX, INC.
State: NV
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:
Submitted investigation on XX/XX/2021 no updates, no investigation, no information given from collection agencies as well. I don't have contracts or recall any of these companies and violates multiple laws including FCRA, no sign of investigation and information given in 30-60 days. 15 USC 1692fg - Why would you add these accounts and not provide NO information on these accounts. I NEVER gave permission and this is MY credit report you're adding information about ME on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently disputed the following accounts on my credit report that are inaccurate and was informed that after an investigation the accounts have not been deleted even though according to USC 15 1681 inaccurate items must be deleted by law. How is it impossible that these accounts were properly investigated when they are still not reporting at least 100 % accurate across ALL 3 AGENCIES ( XXXX, XXXX, and Equifax ) as required by law. Please delete these accounts IMMEDIATELY as they are still violating my consumer rights. 

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 explanation
Consumer complaint received 2021-06-08
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Rash Curtiss has harassed me since 2015 I have submitted information numerous times i had state covered benefits through california XXXX XXXXXXXX and XXXX of 2015 my family was moving from XXXX XXXX county to XXXX XXXX county California during the inter county transfer this bill was never paid. Done my due diligence on this matter however this has not ben resolved.XXXX XXXX county says they are not responsible although the date falls under coverage for that county. XXXX XXXX XXXX XXXX is the original debtor. This is the only debt on my credit report and should not have been in the first place. i have submitted proof of coverage and still this remains on my credit report. Trying to rebuild my credit at this time this is my only bad mark, on numerous occasions this matter has costed me from gaining credit. I have faxed info to XXXX I'm at a loss of how to resolve this issue Please help me remove this debt on my credit report.

Company response to consumer: Closed with explanation