BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; 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 Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXr XXXX XXXX XXXX  # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX-REPORTED XXXX Balance : {$74.00} ; XXXXXXXX XXXXREPORTED XXXX Balance : {$9.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX & XXXX XX/XX/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 XXXXXX/XX/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 2021-05-26
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
Wells Fargo Crdit Card services is reporting my account as delinquent, 90 days late. I called to have this account closed In XX/XX/2019 and the account was not closed correctly by their customer service representative. There were TWO cases opened with their executive complaint department and the issues was not resolved. They pulled the call for quality assurance and stated the representative did fail to close the account at the date I requested it. Per my rights as a consumer under the FCRA, WELLS Fargo has the obligation under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that is believed to be Inaccurate. there is " reasonable cause to believe '' that information is inaccurate based on the investigation that was conducted and the call that was pulled, it has lead a reasonable person to doubt the accuracy of the information.

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 2022-10-17
Company: Experian Information Solutions Inc.
State: DE
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 explanation
Consumer complaint received 2023-05-11
Company: Sezzle Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Hello. I have an account with the buy now pay later service Sezzle.com. I have used it several times with shopping at the store XXXX, and had no problems. 

One day I decided to try it out with XXXX, and was informed that I needed to subscribe to Sezzle Premium in order to shop at XXXX. Sezzle Premium is an optional add on that costs {$10.00} per month. After signing up to Sezzle Premium ( and paying {$10.00} ), I tried to purchase something on XXXX and the transaction was rejected by Sezzle. I then found out that my spending power at XXXX is {$0.00}. For frame of reference, my spending power at XXXX is {$250.00}. 

I feel this is some kind of bait and switch and feel deceived. I would like a refund of my {$10.00}, based on the principle of the thing. I have already requested a refund from Sezzle, and they didn't even directly reply to the request. 

Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-14
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been served. Sued without properly notifying me. I was making on time payments. When I made partial payments, XXXX sent those payment back to me. Per the last statement dated XX/XX/2019 that was attached to the Citation, it states " your account has been charged off. This is your final statement ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: GA
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 since XX/XX/2022 and even before that to get Equifax to get my credit report correct and not give my info to others that I didn't acknowledge. After their company was breached, I didn't even sue but I was a victim of that breach XXXX years ago. Also, for years they keep putting my account as a " XXXX '' lock or something when I've called numerous times to have it removed. So now, an XXXX of XXXX has been sent to them in pursuant to 15 US Code Title 15 Chapter 41 Sub III 1681c-2a for defamation and financial injury. I can not keep losing out on my rights because of the negligence of this company. I will attach a copy of the XXXX. Don't send me any XXXX letters either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-26
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
We have asked for the underwriting department to appeal their decision since they did not include the {$440.00} for XXXX XXXX payment when they figured the money for our home in the loss mitigation not to completely rework paperwork over again. This paperwork has been submitted the entire time this process has been going on. I am attaching the paperwork again, so that you will not claim you do not have it. You have asked for it on XX/XX/XXXX, which we have provided a letter from Social security, which at that time it was {$430.00}, now it is {$440.00}, It does not come to a bank account but to a XXXX XXXX card every month. Then I hear from an agent # XXXX on XXXX XXXX on a recorded line that tells me that the underwriting department has made the claim that they can not use XXXX  amount of money, my XXXX year old son, because XXXX XXXX   name is not on our mortgage. This money was used when we first took out our mortgage by our first mortgage company and when we refinanced with you, Freedom Mortgage. I have the paperwork in my hands showing it. I am now submitting another complaint to the obsurdity of this to the Consumer Finance Protection Bureau

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 2022-04-20
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of 2021, I completed a Loan Modification with Loan Depot in which I accepted terms. 
On my XX/XX/2021 Billing Statement, I saw that numbers were being adjusted due to the Loan modification and waited to receive my XX/XX/2021 billing statement to ensure all adjustments were completed. My mortgage payment with escrow was supposed to be {$1600.00} a month. My XX/XX/2021 statement stated I owed {$6100.00}, confused as to why this amount was showing after a loan modification, I called in to verify on XXXX I spoke with an employee ( name and employee ID withheld but available for all communications with Loan Depot ) and stated that all she saw was due was the monthly payment of {$1600.00} and that because it was so soon after modification to allow time for adjustments. XXXX, XXXX, XX/XX/2021 pass with the same amount of {$6100.00} overdue. I call XXXX to find what it is and was told that they are Corporate Fees I return to look over my contract and see nothing that states Corporate Fees but there is an entry for XXXX XXXX which was financed into the loan in accordance with the contract. 
End Result- on XXXX XX/XX/XXXX, I sold the home and Loan Depot took the stated corporate fee amount that Was not apart or stated on the contract I signed. After XX/XX/2021, I continued to call back to settle the issue and was given the run around being switched from employee to employee with no resolution. All supporting documents are available upon request. I am requesting Loan Depot refund the so called Corporate Fee that was not an entry in the contract Loan Modification Terms and Modification Transaction Cost Due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had 2 credit card with the suntrust bank which were sold to Truist bank. I had a law suit filed by Truist Bank against me re one of the credit card in XXXX. Somewhere around XXXX of XX/XX/2021 I received the phone call from XXXX XXXX XXXX. Since one credit card was in the legal dispute and only attorneys could communicate on the subject I thought that XXXX XXXX XXXX XXXX Rep is talking about the second card and I settled the debt for {$3000.00} with the XXXX XXXX XXXX XXXX XXXX ph : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA, XXXX and this settlement was fully paid ( {$1000.00} withdrawn from my account on XXXX XXXX ; XX/XX/2021 and XX/XX/2021 ). Meanwhile I also settled the credit card which was in the legal dispute through my attorney and also paid the settlement fully and the file was closed on the court level. Later I discovered that both settlement were done for the same credit card ( not two different accounts ). I called Truist Bank and they said that they never received the settlement from XXXX XXXX XXXX nevertheless they sent me 1099 C form with the debt discharge and the amount corresponds to XXXX XXXX XXXX settlement. I attached the letter from XXXX XXXX XXXX. I paid for the same settlement twice and it is a fraud on Truist Bank side.

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 2018-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX shows a inquire on my credit report XX/XX/XXXX but I never gave them written authorization to run my 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 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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 2022-04-20
Company: Waypoint Resource Group, LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Waypoint Resource Group LLC reported an account to the consumer bureaus before their 45-day policy of doing so due to a 7-day processing lag. When calling them out on this, the supervisor assured me that this account would not be reported and provided to me in writing that a request to delete the account from my consumer reports would take place. Surprise, it is showing on my consumer report. I have provided documentation here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: EQUIFAX, INC.
State: NJ
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, and XXXX XXXX XXXX XXXX  account # XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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, and XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: MOHELA
State: NC
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:
Mohela is applying unfair, deceptive and abusive practices resulting in my payment to be approximately five times higher than the amount it should be and is delaying processing of federal government forms so I can not tell how many payments are left to be made on my loan. 

I used Mohela 's online self service tool to submit an IDR application on XX/XX/XXXX in order to receive a lower payment that I am eligible for under the terms of the student loan program during the income self-certification window. The form input on their website showed my payment should decrease to {$430.00} per month. Mohela processed the form wrong and has instead increased my payment to $ XXXX. I called and spoke to customer service on XX/XX/XXXX who acknowledged that the form appeared to have been processed erroneously and stated it should be corrected in a week. They have not made the correction and have in fact accelerated the end of my administrative processing forbearance so now show that the incorrectly high payment will be due even sooner. 

I submitted an updated PSLF application and employer certification on XX/XX/XXXX to have my PSLF counts updated. Although Mohela 's website says these are generally processed in 30 days and, at most in 90 days, my form still shows as " processing '' after almost five months. Until Mohela processes this form, I am unable to determine how many qualifying payments I am due to still make under the XXXX program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
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 status incorrect

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2022-06-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXX XXXXXXXX Balance : {$330.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; 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

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: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 accounts that do not belong to me or were opened without my permission. 

XXXX  XXXX XXXX  Date Filed/Reported : XX/XX/2017 Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/2017 Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported XXXX XX/XX/2017 Reference # : 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 alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with explanation