BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
From XX/XX/2022, until XX/XX/2022, I have been trying to unfreeze, my credit, and update my name, which has been legally changed, in a US Court. Equifax XXXX. has repeatedly lost my documents, put me on hold, for hours, at a time, refused to send, my call to the appropriate department, and lastly claims that I haven't gone through identity verification, when I have. It, all, seems to be a game, over, something, very, simple. I have a state ID, proof of social, proof of address, and a judge 's order. Equifax refuses to receive the judge 's order, as proof of, my legal name change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Capitol one auto Acct., federal student loan were closed in XX/XX/XXXX under XXXX  XXXX. Acct should have been fully cleared and removed from credit under the bankruptcy signed by judge. Requesting removal of negative impact and acct from credit. 

XXXXXXXX XXXX XXXX Acct. was held under spouses bankruptcy XX/XX/XXXX under XXXX  XXXX. Acct should have been fully cleared and removed from credit under the bankruptcy signed by judge. Requesting removal of negative impact and acct from credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have 5 missed/late payments on my student loans which is inaccurate! I have been deferring my loans every year on time since I have been out of school. I should not have any late payments at all. There is also some information that is reporting different on the different credit bureaus. My accounts are incorrect and reporting differently which is confusing and misleading

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 2023-05-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I applied for what I thought was a credit card.XXXX XXXX never sent me a bill or credit card .I never spent XXXX XXXX dollar for any service with them .amd I have a XXXX bill on experian I dispute it with XXXX and XXXX XXXX they removed from my credit report. EXPERIAN REFUSED to remo it off my credit report.I would like it removed and XXXX XXXX account deleted amd removed with Fraudulent charges of XXXXThank you 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 2021-04-06
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a conventional loan previously modified by HAMP and XXXX XXXX, recently I realized that my investor XXXX XXXX sold my mortgage to a Private Investor : Legacy Mortgage Asset Trust 2019-GS6. I received a forbearance approval immediately after the COVID-19 pandemic began, later I received extensions after three, six, and nine months. 
On XX/XX/XXXX, I submitted a complete request for a loan modification with my current servicer Shellpoint Mortgage, this request included all my financial statements and evidence of my hardship and income reduction. On XX/XX/XXXX, Shellpoint sent a letter denying my request and instead of approval offer me to short sale my property or Deed in Lieu the same. 
I understand thatXX/XX/XXXXis free to sell their investments, but what is the reason that that transaction didn't involve the same layer of protection and benefits that my former investor offered to me??? 
Why Sheelpoint requested to prove my income and ability to begin my mortgage payments if they didn't plan to help me???? After my income reduction, I am able to resume my regular mortgage payments however, I can not bring my mortgage current due to the previous pandemic and their financial effects on my home finances. 
I need to keep my home!!!!!! I am able to resume my mortgage payments, BUT, I CAN NOT BRING MY DEFAULT BALANCE CURRENT. Please do not offer me as your only solution to sell my home. 
Sincerely XXXX 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 2023-09-24
Company: MOHELA
State: ME
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:
On XX/XX/XXXX I applied on studentaid.gov to have my student loan repayment plan switched from PAYE to SAVE. I linked my studentaid.gov account to the IRS so all financial information would be readily provided. 

On XX/XX/XXXX my application to have my IDR plan changed to SAVE was denied. MOHELA was contacted and I was informed by a customer service representative that the income information provided by the IRS was " unverifiable '' and that the application was denied as such. The agent could not answer how the IRS provided unverifiable information, I requested transfer to a supervisor at which point the representative placed me on a XXXX minute hold before the call was ended by MOHELA without speaking to a supervisor. 

On XX/XX/XXXX I contacted MOHELA again regarding this issue. I was informed by this representative that my request was denied for " unknown reasons " and that they could reprocess the application. This representative asked if I would like to be placed in administrative forbearance while the application was reprocessed, I declined to be placed in administrative forbearance. 

On XX/XX/XXXX I received email notification from MOHELA that my account had been placed on a 90 day administrative forbearance while my was being processed. I again contacted MOHELA. A representative told my secondary application to transfer from PAYE to SAVE was declined because the monthly payment amount on SAVE would be higher and that I was placed on administrative forbearance because of this as well. I reiterated that I had requested transfer to the SAVE plan and understood the payment amount would be higher. The representative informed me it was " standard practice '' to deny any requests that increased payment amounts. I requested transfer to another representative who reiterated the above information but offered to work with a supervisor to again submit a new application to change to the SAVE plan, that the supervisor could " formally request I leave administrative forbearance " and that they could " possibly reinstate the PAYE plan '' as opposed to placing me on the standard " if forbearance is able to be ended ''. When I requested information surrounding why nothing the representative offered could be guaranteed they simply reiterated that a supervisor would have to request my be serviced per my application. The representative again resubmitted my application. 

On XX/XX/XXXX I received an email from MOHELA informing me that I have been placed on a second 90 day administrative forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On/about XX/XX/2022 BMO, manager Reference # XXXX on XX/XX/2022 dispute my dispute against an Authorize XXXX mobile provider, BMO paid XXXX. XXXX XXXX {$55.00} dollars for a XXXX mobile device and mobile services. I came to get a free mobile device, free talk, tex, and internet. 
The store supervisor " XXXX XXXX '' said he can register me into Affordable Connectivity Program and pay a one time fee of {$55.00} dollars. He took my picture with his device, took my public assistance Link card #, He took my Illinois State I.D . and My BMO Bank card billed for {$55.00} dollars. My phone texs messages from XXXX XXXX for {$55.00} dollars. Thank You for payment {$55.00} I have the tex messages. I am not registered in Government Affordable Connectivity Program ( A.C.P ) next day I went back to store he told me to bad. 
I made report to Office Of The Attorney General, XXXX XXXX, Attorney General, I was appointed XXXX XXXX, Citizen 's Advocate Consumer Protection Division, XXXX, ( XXXX ) XXXX. On/about XX/XX/2022 RE : XXXX XXXX XXXX XXXX XXXX XXXX No : XXXX Device mobile # XXXX. 
I wanted a Government XXXX ACP  ) not XXXX or XXXX XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX email XXXX The BMO Manager at XXXX XXXX XXXXXXXX has been mailing partial bank statement to my address not entire month with my Social Security Direct Deposit for approxiately 3 months. 

please resolve my problem and investigate. Please respond by mail. no email, no telephone with privacy. 

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 explanation
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX reported on XX/XX/XXXX in the amount of {$56.00}, XXXX XXXX XXXX reported on XX/XX/XXXX in the amount of {$65.00} XXXX XXXX XXXX in the amount of {$55.00} reported on XX/XX/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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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.

has violated my rights. Or list of inquiries 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 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2022-04-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed all accounts that were opened using my information as fraud to all 3 credit bureaus. They advised me to file an FTC fraud report with each account number & submit back to them via fax to have it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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, XXXX, AND XXXX  ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed all accounts that were opened using my information as fraud to all 3 credit bureaus. They advised me to file an FTC fraud report with each account number & submit back to them via fax to have it removed 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 2022-10-10
Company: Experian Information Solutions Inc.
State: FL
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, TRANSUNION, AND XXXX  ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

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 2018-05-23
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was fighting a bill with XXXX XXXX XXXX in XXXX, NJ back inXX/XX/2017 Before the complaint was resolved, they sent my bill to collections, XXXX , XXXX After some time, I started making payments, online, to XXXX. Unknown to me, this debt was suddenly transferred, without notice, to a company called Transworld Services Inc. 

After speaking with them numerous times, they will not allow me to make payments online. They online system also does not keep track of payments made, and the only notice you get is when the debt is paid in full. So there is no way to trace the payments I made to them. I am also not comfortable giving out my information over the phone to a company I know nothing about. They have over 70 complains on XXXX XXXX as seen below : XXXX XXXX XXXX  I also refuse to have them keep my credit card on file. So there is no way to make a payment to these people and have any paper trail of the payments being made. They also lack a technical support dept. to try and find out why payments can not be made online as I was able to do this through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX and transunion will not take a dispute online, try to call get no response.reporting incorrect balances on 2 accounts, reporting incorrect credit lines, reporting XXXX XXXX credit usage, using less than 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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate 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 non-monetary relief
Consumer complaint received 2021-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I requested a copy of my credit report and noticed I had inaccurate items reporting. I created a letter to request the validity of the accounts. I mailed letters on XX/XX/21 without a response. I really would like help in this matter. The misleading information is causing me financial stress.

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 2018-05-23
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Good day : My complaint concerns Wells Fargo Bank and their continuing practice of corporate chicanery by various means. The following situation that I'll describe below is without question designed to bilk customers out of as many overdraft fees as possible and allow me to make this clear ... ... it is by DESIGN! The same scenario has happened multiple times to not only myself but friends and acquaintances who hold accounts there as well. It is not by accident. 


I had five ACH withdrawals that I knew would be assessed to my checking account this past Monday,XX/XX/XXXX. They were from two entities. Entity # 1 was for two small amounts ( {$20.00} and {$25.00} ) which were posted in the " pending transactions '' section in a timely fashion. I conducted business with entity # 1 the day before, Sunday XX/XX/. 


The other three transactions were from entity # 2. All took  place the previous FridayXX/XX/XXXX. The first transaction was conducted that morning @ XXXX XXXX in the amount of {$150.00}. The second transaction took place later that afternoon @ XXXX XXXX in the amount of {$79.00}. The third and final transaction occurred @ XXXXXXXX XXXX in the amount of {$83.00}. Remember that all took place XX/XX/. Only the MIDDLE TRANSACTION for {$79.00} was listed in the " pending transactions '' section creating a negative balance. I have until XXXX XXXX  to cover any negative balances by making a cash deposit either through an open branch or a Wells Fargo ATM. Knowing there was a good chance that they'd pull their systemic shenanigans I deposited enough money to cover all 5 transactions even though two of three ACH withdrawals for entity # 2 were not listed even later that same night ( after XXXX XXXX ) TuesdayXX/XX/XXXX( lo and behold ) all 5 transaction were posted MONDAY XX/XX/XXXX! 


This is criminal and as far as I'm concerned the officers of the Wells Fargo Board belong in prison. They'll never go there but that is where they belong. This is the same corporation ( with the same corporate board ) that was held criminally liable for a million counts of fraud yet nobody anywhere served a nanosecond of prison time which is obscene. They fired 6,000 employees as their corporate response to this as if all 6,000 employees who lost their jobs drank the same tainted water and coincidentally made the same criminal decision to defraud account holders. 


Fecal matter rolls downhill and the activities of Wells Fargo Bank are definitely part of a corporate culture that can only be described as disingenuous, corrupt, amoral and totally repugnant. Thank you.

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