BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-07
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:
This is my NUMEROUS 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 : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022

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 2017-05-09
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Student loan through  Navient was originated ( under   XXXX   XXXX   ) on   XXXX / XXXX / XXXX  in the aggregate amount of {$43000.00} with a fixed 6.5 % interest rate. I had financial issues early on and went through periods of forbearance, etc. which I understand would capitalize interest and increase the balance of the loan.     In roughly late  XXXX  I was past due, and contact ed (   XXXX   XXXX   )  the provider at the time. Spoke with a Rep, brought my account to date and was placed on a graduated payment plan which I was pleased with.     I have been paying {$300.00} per mon th (  {$290.00} due ) on time each month since that time. I have recently discovered that my balance is now over {$54000.00}. When I researched my account online I found that no monies were applied to my principal, all to interest, and late fees have been charged each month even though payments were not late. The last time I had payment applied to my principal was  XXXX / XXXX / XXXX .     I contacted Navient today and was told that my monthly interest is {$280.00} based on my principal, which has been increasing based on the lack of payment going toward it. The gentleman could not explain the late fees or why my entire $   XXXX    monthly payments were all going to interest rather than the {$280.00} only.     I have attached my entire account history and proof of monthly payment and due date as supporting documentation. I was never informed that my " payment plan '' would only cover interest. Today I was told that I would need to pay {$470.00} monthly to cover payment on the principal as well.     I would appreciate investigation into this matter. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My taxes went up $ XXXX, and my insurance $ XXXX. that is {$2800.00} total, or $ XXXX, more or less. 

MY PAYMENT WENT UP $ XXXX. 

YOU ARE XXXX. 

THIS HAPPENED LAST YEAR TOO, I HAD TO COMPLIAN 4 TIMES AND YOU REDUCED MY ESCROW BY $ XXXX AND GAVE ME A REFUND OF {$3200.00}. 

YOU ARE XXXX NOW FOR A SECOND TIME. 

FIX IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: WELLS FARGO & COMPANY
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was told and pressured by Wells Fargo who were at XXXX XXXX XXXX  in 2007 to sign up for private student loans through them with a co-signer even though I really didn't need a co-signer. They told me this was in my best interest as it would make sure that the funding was there for room and board and that they would easily be able to be removed as co-signers. I left XXXX XXXX and went to XXXX XXXX XXXX where I continued my education and was unable to make all of payments on time due to being a full time XXXX. When I reached out to them to see what repayment options there were, they encouraged me to take out a loan forbearance, stating " that's what most college kids do. '' I have realized that this forbearance made it so that there was not " 24 immediate consecutive on time '' payments which apparently means ( according to there deceptive and hidden conditions ) that no matter what my co-signer can not be released from the loan. They never gave me any other options to pay like income based. They lied about it. Then through out the years they have messed up transaction records, made false statements and purposely encouraged me to make decisions that are not in my best interest. Now they sold the loan to first mark services and they said they do not have any recorded phone calls or records and that Wells Fargo would have that. I tried to reach out to wells fargo and they refuse to even speak to me and say it is not there problem anymore and they have nothing to do with it. This is unfair and very misleading actions of a company. I have requested documents and records from both institutions and still have not received anything.

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 2022-01-31
Company: EQUIFAX, 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:
After sending the FTC report of identity theft in XXXX and XX/XX/2021 XXXX XXXX XXXX sent me a letter on XXXX XX/XX/2021 threatening to extort me. This is a racketeering activity and conspiracy to commit racketeering activity carries a sentence of imprisonment of 20 to life. Telling me that I must pay this amount or we will violate your right to privacy by reporting late payments to the credit reporting agencies without your written permission to ruin your financial reputation which equals extortion. They committed identity theft by not getting consent to furnish negative items to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Bread Financial Holdings, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Calling me 5-6 times daily plus emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
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:
I noticed that they are reporting late Payments on accounts that were never late which violates my consumer rights For reporting Fraudulent information XXXX XXXX Remove Inaccurate Credit Information In accordance with the FAIR CREDIT REPORTING ACT Act this creditor has violated my Rights! 
Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''.

Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. 
By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months receipt of this letter, or you must remove the incorrect 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 2023-06-10
Company: EQUIFAX, INC.
State: LA
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:
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 an 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. 

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 XXXXXXXX Theses are all reported improperly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points NOT REPORTING ACCURATELY ACROSS ALL BUREAUS please remove I have been sick with XXXX XXXX XXXX XXXX  and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy 15usc i1681XXXX XXXX XXXX XXXX Installment ) Accounts - negative accounts - Summary XXXX TransUnion XXXX Last XXXX XXXX, 2022 Payment Status Charged off as bad debt Worst Delinquency None Reported Balance {$1300.00} Credit Limit XXXX TransUnion XXXX Closed XXXX XXXX XXXX XXXX 2022 Open Date XXXX, 2022 Last Activity XXXX, 2022 Terms Scheduled Payment High Balance {$1500.00} Loan Type Unknown Responsibility Individual Account Company Name XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Comments Unpaid balance charged off 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 2021-08-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX MD XXXX I have disputed these fraudulent accounts twice, and I am unsure how you are able to say that these alleged accounts are verified, yet it is clear that there are and continue to be multiple inaccuracies regarding these accounts. As shown in the attached screenshots the date opened, date last active, and date of last payment are all inconsistent. Also, the account numbers and payment history of the accounts are not consistent as well. I am not sure which bureau is reporting the correct information as these alleged accounts are not only inaccurate, but not mine. As a consumer, I am asking you to please provide in FULL DETAIL the steps that were taken to investigate these fraudulent accounts and the information that the creditors have provided to you to prove that these alleged accounts are verified. I have attached a copy of my license and a copy of the 15 USC 1681i from the FCRA for your recollection which shows that I, the consumer, has the right to ask for this information, and your company has 15 days to respond to my request. If you are unable to provide me with the proper documentation I ask that you please delete these accounts as soon as possible. As it is against the law for there to be both fraudulent and inaccurate information on my consumer report. Please also send me an updated credit report reflecting these changes. 
XXXX XXXX ( Original Creditor ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List Inquiries XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, 2020 XXXX  XXXX Inquiry : XXXX. XXXX 2020 XXXX XXXXXXXX Inquiry : XXXXXXXX XXXX, 2020 XXXXXXXX XXXX Inquiry : XXXX. XXXX, 2020 XXXX  XXXX XXXX  Inquiry : XXXX XXXX, 2020 I trust that your company upholds its integrity and protects my rights as a consumer under the FCRA. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek grand jury on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Blockchain.com, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I made several of my usual deposits to Blockchain.com. I was using these deposits to convert USD to Crypto on a regular basis. I purchased XXXX, XXXX, and XXXX. I have used this service at this point for several years with No issues from Me or the Company. Now I want to stress that I have never had a chargeback or funds issue on my account. I would consider myself a model customer. I purchased {$500.00} worth of crypto. As I was sending the crypto elsewhere in 5 transactions, ( my private wallet, Exchanges, Businesses etc ) my transactions appeared to be delayed at first. The Blockchain.com mobile app showed the Transactions as " Pending ''. I got onto chat with Support after an hour or so and was told the issue would be sent to another dept. and they would contact me through email. Well Hours went by and I kept contacting support and got the same story again and again. Then hours turned into days, so I started checking XXXX on them and found out around this same time many people were having the same issues where there money was locked up or " pending '' with non explanation. I saw people on XXXX XXXX that had {$500000.00} or XXXX XXXX  ( {$180000.00} at the time ) tied up the same way. I kept contacting support and got the same BS answers each time. In XXXX of XXXX the Mobile App updated and now it shows " Manual Review '' on the transactions. So for 3 months it was complete XXXX  saying Pending. Now for 5 more months I have contacted them over XXXX times and usually saved the transcripts. I saw other people got the same story of " moving issue to another dept ''. 8 months later I have NEVER been contacted once to be told why they are holding my money. I had no idea what to do until recently I did a search of what we can do specifically when Blockchain.com steals our money... I found a blog that showed me ConsumerFinance.gov. They send me promo emails about " Staking '' my funds there and they have stolen my funds outright. I have a live link where you can View the transactions and the subsequent value real time. The crypto is worth about {$750.00} right now. I created the " actual '' transactions and built a tool so others who have been victimized by them can share the same. People have lost there Homes over this. 
Here is my portfolio : XXXX XXXX XXXX XXXX XXXXXXXX When I kept pushing support they mentioned verifying my account. I said I dont want it verified. i already verified ( XXXX  ) years before. I wanted to close my account and get my money. I was told I couldnt close it until they were done. They STOLE my funds and have been doing it to several people apparently. 

They took my whole paycheck. I am currently taking care of XXXX XXXX  parent and a brother with XXXX XXXX. I was only trying to make small investments to improve their quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
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:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-06-08
Company: EQUIFAX, INC.
State: NC
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 started the procedure of challenging illegal credit report inquiries on XX/XX/XXXX. They were delivered to XXXX, Equifax, and XXXX by certified mail. Over XXXX inquiries are included across the three reports. Even what pertains to an active account is beyond my ability to discern. I submitted a letter on XX/XX/XXXX, asking for an update on the letter I sent in XXXX because I had not heard anything on the outcome of my dispute. The final letter asking for a resolution to my disagreement was sent on XX/XX/XXXX, but there has been no answer. The credit bureaus have done little to protect my sensitive data, and I am concerned that someone may be utilizing it without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I debited XXXX from my account and it posted as two transactions on XX/XX/XXXX. After reaching out to the company via the branch manager through two emails and a message on his answering machine, I received no response for two weeks. Then I made an appointment for the Manager to call me today and he never did. I also debited XXXX yesterday and that transaction posted as a double transaction as well. Now I am XXXX down and trying to make payroll for a small business is getting harder. Please see if you can help. Thank you in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation