BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 all three credit bureaus regarding the account that is listed below : XXXX XXXX Now this account is open but is not reporting information to each credit bureaus. I have sent in dispute letting each credit bureaus know that the account they are reporting inaccurate information. Each credit bureau has different information that they are reporting. When if the credit bureaus are getting the same information from the same furnisher, then how is that they all have different information. 

I have sent each credit bureau the credit report that shows that each of their credit report is showing different information. 

I have highlighted, sent in a dispute letter and provided them with all the information, and they are still reporting that the information is accurate, and they have updated, and it shouldn't be updated. Because they have not reached out to the furnisher about if the account is accurate or what information that need to be reported.

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 2023-07-05
Company: Experian Information Solutions 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:
This is my Second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$8400.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$2300.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 2023-07-05
Company: Experian Information Solutions Inc.
State: MS
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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 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 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/XXXX, I filed a complaint on Transunion about injuiries that were Fraud on my credit report. They were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  they responded back saying that it would be deleted. Please see CFPB report on XX/XX/XXXX. They have not deleted them as of today!!!!

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 2023-01-24
Company: NEW YORK COMMUNITY BANCORP INC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX Mortgage Regular Monthly Payment misapplied to late fees ( from 10yrs ago ) ... but payment was exactly recognizable as the mortgage term Regular Monthly Payment. 
XX/XX/XXXX upon recognizing Flagstar Bank 's error, I contacted them by phone and requested rep escalate to Management Leadership Team to submit for a refund, or reapply as next due mortgage payment. Case submitted. 
XX/XX/XXXX called Flagstar bank for status of case number, status shows " closed '', reason is per over 90-days since payment, as reviewed by " Cash Operations Dept '' ... my response, Regardless of time that has passed, the payment was misapplied to other category, though exactly submitted as matching " Regular Monthly Payment ''. 
Flagstar representative quoted CFPB Part 6500 Section 1005.33 which states " incorrect '' amounts of currency received can be applied to category of their choice, However this was NOT an 'Incorrect '' amount, and was exactly " regular monthly payment '' of principal and interest and escrow total. 
XX/XX/XXXX spoke with management team 2nd request again to reapply correctly as identifiable regular payment, but request was denied as previously stated over 90-days. Perhaps the issue lies in that the Cash Processing system may not electronically be able to reverse the payment or reapply to other category per over 90-days, but rather than needs to escalate the error correction as a manual refund to sender instead.

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 2023-10-26
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: Information belongs to someone else

Complaint:
Please remove this account from my credit report as it is fraudulent and not associated with me. I request that you take immediate action to investigate this matter and remove any other inaccuracies from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act. The List of accounts Or list of inquiries in the letter attached has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: CITIBANK, N.A.
State: UT
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 ran my reports on XX/XX/23 to verify if the information I requested be corrected was in fact corrected. It was not. The account ( see attached ) remains in error. My request to the company was simple yet they did not correct the information as requested. The credit bureaus will not keep updated information nor do they care. You pay them, I don't, therefore they don't care what happens on my reports. 

You're responsible for keeping accurate records 100 % of the time, the bureaus could care less but I care! These errors are affecting my credit scores in a very negative manner!

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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am filing a complaint against Credit Reporting Agency Transunion. On XX/XX/23, I pulled my credit report ( see partial attached ). I sent a letter to Transunion to dispute the inconsistent and inaccurate reporting with the Date Last Reported with 3 accounts ( XXXX, XXXX XXXX and XXXX ). 

On XX/XX/23, a new report was pulled, I sent follow up letters to Transunion and other bureaus, however, it was not until a closer review of the XX/XX/23 credit pull that I noticed the FCRA 623 ( a ) ( 3 ) and FDCPA 807 ( 8 ) violations ( partial report attached. ) On XX/XX/23, I sent a letter to Transunion requesting these accounts to be removed as they were in violation of my rights per FCRA 623 ( a ) ( 3 ) and FDCPA 807 ( 8 ). ( See attached. ) Full credit reports for XX/XX/23 and XX/XX/23 were submitted along with proof of receipts with this letter. 

Section 623 ( a ) ( 3 ) of the FCRA states that if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Therefore, a furnisher can still provide a consumers credit information that is in dispute, but it must clearly state to the credit reporting agency that the information provided is being disputed. 

FDCPA 807 ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

On of XX/XX/23, I pulled my report ( see attached ), and Transunion is still in violation. 

FYI- I sent the same request to XXXX and XXXX, XXXX XXXX  account were removed. The XXXX XXXX was not removed as XXXX did post properly that this account was disputed by consumer. 

Thank you, 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 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX NOT my accounts. Please REMOVE THESE ACCOUNTS AND THE NAME XXXX XXXX OR XXXX XXXX XXXX. MY name is XXXX XXXX XXXX Also please IMMEDIATELY REMOVE THE FOLLOWING INQUIRES WHICH ALSO ARE NOT MINE : 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 non-monetary relief
Consumer complaint received 2017-04-09
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have tried on numerous occasions to work with Navient in getting a reasonable payment. However, they have failed my family and I because on the income based repayment plan they want to charge me nearly {$550.00} a month and being a family of XXXX in XXXX Florida I simply can not afford that amount. They have failed to educate me on other options and I simply am letting interest sky rocket my loans due to forbearance. Please Help, I am drowning slowly!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I called my lender, Mr. Cooper to inquire about refinancing with cash out because I need to pay my huge student loan and for home improvement. I was told that I have a suspense account of {$94000.00}. I asked, how come and what is that?. They said it's from a loan modification with my previous lender, XXXX  XXXX XXXX. I told them, there was no loan modification done with XXXX. So I asked them to email me a copy of that loan modification with my signature. The representative, XXXX told me that there was nothing in their file that she can find with my signature. So she emailed me a loan modification without a signature. I told them that is illegal because I did not authorize XXXX or any lender to do a loan modification for me. I called XXXX myself and spoke with XXXX from XXXX XXXX XXXX. She confirmed that there was no loan modification done. She also said that my account was sold to Nationstar in XX/XX/XXXX, which is now called, Mr. Cooper. I called Mr. Cooper again and asked to speak with a manager. Following day, the manager, XXXX XXXX called me which I told her the same thing. We had the same discussion and I told her that if they can't provide loan modification docs with my signature, then they have to get rid of it. I made it clear with her that I need this issue cleared soonest possible because I need to apply for cash out refinancing to pay my debts while the rate is still low. Then I found the letter from XXXX in my file proving that there was no loan modification ever done. So I emailed it to XXXX. Today, she called me again without a solution and telling me again that they are searching for loan modification docs. I said to her that they won't find anything since there was no loan modification ever done and I already emailed her the letter from XXXX proving that there was no loan modification ever done. She confirmed that she have received it and that she showed it to her supervisors. XXXX said she'll get back with me again. I told her I want to hear from her before the end of this week with a resolution. I really think they are just giving me the run around. Please help me. I really need to pay my student loans as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am tired of Capital One keep charging me {$35.00} each in overdraft fees for money that has already been taken in consideration in my account balance. {$35.00} for each one and then when they try to " explain '' how the system works they want us to stomach that like it's from the XXXX XXXX which is nothing but banking jibberish for this is the way we make money off of you. If I make a purchase days before my account is overdrawn, why is it ok and acceptable for a bank to think they should make money off of us because they want to hold the money up in a " pending '' status when it was already taken from the balance? Right now I have {$100.00} worth of overdraft fees for a {$14.00}, {$16.00} and {$5.00} transactions. {$35.00} a piece for those AFTER they already took those transactions away from my available balance. That is pure insanity and disgusting during this day and age when people are struggling!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
Dear Madam/Sir, CFPB : I received a notification from a Bank Institution , from the year 2022. With a 1099-C, Cancellation of debt with an account number. It states Box 1, date of identification event. Box 2, Amount of debt discharged. Box 4 Debt description, credit card. Box 5, Borrower was personally liable for repayment of debt. Box 6, Identifiable event code, total amount of debt discharged. Tax year 2022, with tax ID number, with a similar name like mine, not my legal name. With the wrong adress. It also has an : E. I. N, number. Again it comes from a Bank institution with the telephone number, and the po box number. It also said that I need to report this to the I. R. S. This document it is not mine, and does not belongs to me. However my Big concern is that has also my last 4 digits of my SS number. And also has the amount of the debt discharged of, {$860.00}. This matter is FRAUD, because I never had in 2022 any credit card with this Bank, institution.

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 2020-02-25
Company: CITIBANK, N.A.
State: VA
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:
The company agreed to update the past due history due to an agent error. They have given me a full credit towards the balance but failed to update the reporting. The reporting should be updated because the credit that was given was due to their own error and I should not have been reported late for XXXX and XX/XX/2019.

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 2020-09-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I started a Costco Visa card by Citibank approx XX/XX/XXXX. I have paid my total debits to Citibank every week from the beginning. Citibank started charging interest on an unpaid balance in XXXX or XX/XX/XXXX telling me there were charges before the end of the billing period. All debits are paid weekly so how could there be interest charges?

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