BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
See Attachment I have Disputed the inaccurate information with TRANSUNION, XXXX, XXXX and they have failed to uphold their duty. 
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 2022-12-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am XXXX and live on a fixed income. I also live in a transitional neighborhood that is rapidly gentrifying. As such, property values in my neighborhood, including mine, have skyrocketed. An organization that is partially the cause of the rapid increases, XXXX XXXX XXXX XXXX, has started a grant program for legacy residents like me that aims to help us keep our homes by paying tax increases for 10 years. 

My property taxes are paid by the mortgage company and added to my mortgage payment escrow to be paid during the calendar year. It is with this expectation that the program ( XXXX XXXX XXXX XXXX - " XXXX  '' ) pays the difference so that difference can be refunded back to me after the mortgage company has paid the tax bill -- it is not meant as partial tax payment, but rather paid with the specific intent to provide relief in the form of a refund back to me of the XXXX  's payment amount. 

For some reason, Carrington decided to make a partial payment instead of the full tax amount because the beltline had already made their XXXX  payment to the tax commissioner. In so doing, Carrington willfully and deliberately committed what I believe to be fraud by taking both my monthly escrow contributions ( which are meant for insurance and the FULL tax bill ) and only making a partial tax payment that excluded the XXXX paid for my benefit by the XXXX. 

After contacting XXXX, i was informed that i was required to provide proof of both the payment from XXXX  and from the tax commissioner. While redundant, I have uploaded both to the specified website, but was told they would take 10 business days " to research the issue '' despite having caused it and being fully aware that they did. 

I need this money -- it's the whole point of the grant ; and I feel that this horrible servicer is now trying to make me pay twice for something that they already collect in my monthly mortgage payment. 

i SHOULD NOT HAVE TO WAIT on funds that are mine and carrington  should pay me the money immediately as well as interest. This is just the latest of several complaints I have filed on this company and this organization is supposed to help. Instead, once they offer a weak excuse, you are always satisfied, and people like me, especially those of us XXXX with XXXX XXXX XXXX continue to get screwed despite this supposedly being a place to find help. 

At a mimimum, this is unethical, But they took funds that did not belong to them and if not outright burglary, it is at least embezzlement or fraud. PLEASE DO SOMETHING ABOUT THIS. I DON '' T have the luxury of 10 business days ; i need my money now and you have the power to compel them to give it to me sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: BARCLAYS BANK DELAWARE
State: SC
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, like many other servicemembers, applied for the Barclay Mastercard goldcard under the assumption that all fees would be waived and 0 % interest as long as I remain on XXXX XXXX. When I applied for the card and was approved around XX/XX/XXXX, I was promised by multiple customer service reps that I did in fact qualify for 0 % interest and ALL fees would be waived. I then recieved a letter stating that they would no longer waive the annual fee and that I would be billed {$990.00} in XX/XX/XXXX. I have attempted to work out a solution with Barclay. They wo n't even allow me to downgrade the card because the account is new. I would n't have applied at all if I knew they would change their policy without grandfathering previous cardholders.

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 2023-02-20
Company: Experian Information Solutions Inc.
State: NY
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 NEVER GAVE ANY OF THESE INSTITUTIONS CONSENT TO FURNISH ANY OF THE REFERENCED ITEMS IN ATTACHMENT ON MY BEHALF

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 2023-06-15
Company: Experian Information Solutions Inc.
State: OH
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Record type XXXX XXXX bankruptcy XXXX Date filed XX/XX/2020 Date resolved XX/XX/2020 Reference number XXXX 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 2017-06-30
Company: AES/PHEAA
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: Their investigation did not fix an error on your report

Complaint:
Fed Loan Servicing continued to report in accurate inconsistent information on my XXXX & XXXX report.The current payment status on these loans is transferred and they continue to note that it is 120 days past due which is erroneous. They are to report 100 % accurate information by law but how accurate can the reporting be if there are so many inconsistencies. Their failure to accurately report my information is hindering me from obtaining financing from my business, especially for loans that are paid. I have sent numerous request to have this information corrected almost ever month in 2017 but they have proved unwilling to correct their mistakes.I have submitted a complete copy of my 40 plus page credit report where the inconsistencies are clearly outlined. The credit bureaus are claiming that they are only reporting what is provided by Fed loan and Fed Loan is claiming that they are only reporting what is indicated on my correct report from XXXX. Well ... which one is it? If there is NO PAST DUE AMOUNT REPORTED, how can it be 120 DAYS PAST DUE??? WHAT is 120 days PAST DUE??? XXXX DOLLARS? XXXX XXXX, Fix it!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: LA
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-11-14
Company: Credit Control, LLC
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:
In XXXX I purchased a show car that only had XXXX miles on it from XXXX XXXX, XXXX XXXX, ( XXXX ) XXXX. The car started breaking down and when it did, I had only had it for a year. The XXXX broke after I received my free oil change from them, it was working fine when I pulled in the XXXX parking lot. I got it back it didn't work. I previously had a XXXX XXXX  in addition to the XXXX XXXX, and its XXXX was still working. I called and filed a complaint ; they couldn't help me unless I paid {$450.00} to them. I told them the car had a recall on the airbags and that's dangerous for me XXXX XXXX. They said I would still have to pay {$450.00} to have it checked out. So, I called the corporate office to see if they could help me get it fixed or place me in another car. They said to call the dealership back and tell them to help me. They still said I had to pay to get it checked out. And refused to put me in another car or fix the problem till I gave them money. Also, the baring 's on the wheels were worn out and I only had it for a year. They told me nothing was wrong with the car because it was a show car, and no one drove it, but it had XXXX miles when I bought it. They didn't help me, so I gave the car back, they reported the same car twice as repo on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have tried to finance several Things such as cars and loans and i keep gerring deined to the fraudulent activities on my credit report The Fpllowing Accounts are unlawful and have been reported without mt consent XXXX XXXX UTILITY COMPANY ACCT. NUMBER XXXX A CHARGE OFF XXXXXXXX XXXX  ACCT. XXXX XXXX A SECURED CREDIT CARD XXXXXXXX XXXX XXXX ACCT. NUMBER XXXX A CHARGE OFF AND MID-ATLANTIC FINANCE A CHARGE OFF I Am Requesting ALL OF THESE ITEMS BE EXCLUDED OFF OF MY CREDIT REPORT WITH MONETARY RELEIF FOR THE VIOLATION OF MY RIGHTS and the VIOLATION OF THE FOLLOWING USC CODES : 15 USC 1681 ( a ) ( 2 ) Exclusions 15 U.S Code 1692 ( I have the Right to Privacy ) 15 USC 1692 ( a ) ( c ) a debt collector must have my consent to report and according to FCRA and the FDCPA and for violation according to 15 USC 1681 ( i ) i am entilted to monetary compensarion

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 2022-04-01
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:
For about a year now, we have been disputing incorrect information that was being reported and still is to the credit bureaus, that we later found out was very negative information to have on a XXXX XXXX XXXX. That information occurred after our mortgage loan was sold and transferred to XXXX XXXX XXXX ( XXXX ). All the previous mortgage servicers reported the year of the loan as 30 year. XXXX immediate reported the loan as being a 50 year or 600 month, to it most recently being a floating term of 603 months. We did not pay much attention to this change until a mortgage refinance company after trying to apply, told us that by having that number XXXX on our loans XXXX XXXX gives our loan a very bad status. The same happened with a second mortgage refinance operation, that said that number should not be associated with our loan and it would be dangerous to move forward and not get that number corrected first. So in the many attempts to get this corrected, XXXX explained how they got to that number ( see attached ). We later were told to once more request from them the documents used to make that determination, and they replied that they used our 40 year loan mod, but then used another method to combine the Note and the Loan mod to get a 50 year number. We provided this information to our help and they then asked us to have the credit bureaus provide the documents they received that supports " the alteration of signed contracts without consent '' - they explained that the terms of a loan document can not under any circumstances be changed without writing consent.

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 2020-01-11
Company: TD BANK US HOLDING COMPANY
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Hello, My name is XXXX XXXX I opened and credit card at Nordstorm XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX Nevada XXXX XXXX XXXX Nordstoms on the following date of XXXX XXXX I then recievied at state form stating that the Nordtroms credit card had and addtional duplication of the credit card out I was asked to bring my credit card so the credit card can be closed due to there mistake the credit card was closed on the following date of XXXX XXXX the recovery unit for Nordstroms is XXXX after the credit card was close my personal information was sold to and debt collection agency the name of XXXX XXXX   debt collection the address is XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXXXXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 2023-02-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several accounts that are currently appearing on my credit report. These accounts are as follows : Dept of EdXXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which has been charged off. 
XXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which has been charged off. 
XXXX, account number XXXX, which has been charged off. 
XXXX XXXX XXXX, account number XXXX, which has been charged off. 
I believe that these accounts may contain errors or violations of federal law, including : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Fair and Accurate Credit Transactions Act ( FACTA ) Truth in Lending Act ( TILA ) Real Estate Settlement Procedures Act ( RESPA ) Equal Credit Opportunity Act ( ECOA ) Fair Credit Billing Act ( FCBA ) I am specifically concerned that your actions with respect to these accounts may have violated one or more of these laws. For example, the information on these accounts may not have been reported accurately, or the debt collection activity related to these accounts may not have been conducted in compliance with the FDCPA. 

I am requesting that you take the following actions to address these issues : Correct any errors or inaccuracies in my credit report related to these accounts. 
Cease any collection activity related to these accounts until the issues have been resolved. 
Provide me with any documentation that supports your position on these accounts. 
Respond to this dispute in writing within 30 days, and include a detailed explanation of how you plan to address these issues. 
I take this matter very seriously, and I am prepared to take legal action if necessary to protect my rights under federal law. 
Thank you for your attention to this matter. 

Sincerely, 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 2022-10-25
Company: EQUIFAX, 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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Deficiency balance after repossession

Complaint:
In-accurate credit reporting and account management, violating my personal credit worthiness with significant impact on all credit bureaus. And was harassed until the inaccurate information published was settled.

Company response to consumer: Closed with explanation