BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 recently received a copy of all three of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2021-07-28
Company: Nelnet, Inc.
State: AZ
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:
In XX/XX/2021 I was hit with a late payment from XXXX XXXX  on a student loan. I have had autopayment on for this account since its creation. I had 18 months of autopay that didnt have a single late in all of that time. XXXX came around and for some reason this autopayment was shutoff. At the end of the month I was called by a collection company requesting this now 30 day late payment. After receiving this call I was in shock since this was always on autopay. I called XXXX XXXX  to ask why the autopay was turned off, instead of getting any help on the situation the customer service rep just stated that I needed to be more careful and keep an eye on the account. I stated that the minute I was made aware of this issue I sent the payment in within minutes however they stated removing this late would be lying to the credit reporting agencies and that nothing could be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, because they pulled my report as a soft pull, hard pull without my written or spoken permission. 
Account that pulled my report without permission : 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 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 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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A : states that I have the right to privacy.

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

According to 15 U.S.C 1681n ( A ) ( 1 ) : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

I am entitled to a full {$1000.00} ( violation ) payment. Please process the payments as soon as possible and provide me with written confirmation through mail that the payment has been completed.

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 2023-02-28
Company: EQUIFAX, INC.
State: GA
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 has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 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 attended dates the report by more than 7 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX i purchased my home paid in full. On XX/XX/XXXX I received a foreclosure notice from XXXX. XXXX XXXX they explained that there is a loan in the amount of {$270000.00} which I did not request. I immediately contact XXXX XXXX ( broker ) who assist with the purchasing of my home. He explained that it was just a case that he forgot to record documents with XXXX XXXX clerk. I them requested documents from the lender and submitted a police report and fraud claim. I am pending response from the XXXX Department at Shellpoint. I am seeking resolution to have foreclosure stop and to have loan removed from my home This is fraud I did not request a loan. On XX/XX/XXXX XXXX XXXX requested an extension on the loan fraudulent signature and submit to lender. 

Broker information XXXX XXXX XXXX XXXX ID : XXXX Phone : XXXX Office Locations : Company NMLS ID XXXX XXXX Address City State Zip Code Start Date XXXX XXXX Mortgage XXXX XXXX Main XXXX XXXX Ct XXXX CA XXXX XX/XX/XXXX XXXX Fin XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  CA XXXX XX/XX/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 2023-10-16
Company: Affirm Holdings, Inc
State: PA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I receive periodic promotional ads on my XXXX feed for various products. There was one for XXXX XXXX Flannels to purchase a XXXX flannel baseball jersey. Original retail price of {$210.00}. I was able to save 15 % by allowing text messages from affirm. My new purchase price was {$180.00} and some change. I was offered the option of making 4 installment payments of {$45.00} and some change ; I selected this option ( keep in mind these payments would be taken from a financial institution account of my choice ). This was for 4 installment payments. Of course I was denied. I filed ch XXXX XXXX in 2000 due to the pandemic. I was off work due to being quarantined by my doctor- due to medical reasons. Was confined to my house for about a year, and could not telecommute for work-was not an option with my job at that time. I have been Making my scheduled chapter XXXX payments on time for 2 years now. I also have substantial deposits on hand. Own my home and automobiles free and clear. Making current credit card payments on time. XXXX t well above the minimum monthly payments. And yet I am denied financing {$180.00} for four payments I can easily afford. I have been approved my affirm in the past for a higher $ XXXX ( XXXX XXXX XXXX ). Made all those payments on time. Even financed over {$300.00} before with them. I have been told by affirm I have been denied for for financing before due to their credit modeling. They could give me no plausible explanation. Makes no sense at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Transunion using Redlining in the Credit Files of Consumers Transunion whose mailing address is XXXX XXXX XXXX XXXX, CA XXXX, has failed to release my credit file to the creditor that I have authorized. Transunion continues to place unauthorized credit file holds on my credit reports causing creditors to withhold credit approvals from me. The actions of this credit reporting agency have caused tremendous hardship to me and my family. Transunion actions are also a violation of the Fair Credi Reporting Act. This credit reporting agency is attempting to blackball me and destroy all opportunities for me to be creditworthy or receive the credit opportunities I deserve in violation of the united state fair Credit Act. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ XXXX ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ XXXX ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau, and private litigants.

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 2016-02-27
Company: NPS GROUP
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received a Robo call from XXXX - upon picking up the phone, a pre recorded message said " Hello, this message is solely intended for ( My Name ) if you are not ( my name ) please disregard this message. Please call XXXX using Reference no. XXXX. Please press 1 to be connected to a representative. When pressing 1, the phone makes an outbound ring, and a operator picks up. Upon giving them the Reference no. they stated that I owed on a claim. Jokingly I stated - Claim..? What kind? Insurance claim? ... They stated No - a law suit and that the complainant wanted to settle out of court on a payday loan in the amount of {$510.00} - I stated that I have never taken out a payday loan.. They then began threatening court proceedings and that I could tell my story to the judge. - Now of course, I do n't and never have taken out a payday loan. After they hang up on you, they appear to block you from calling back. When I called the number back ( including changing the last XXXX digits of the XXXX number, the call goes directly to a voicemail answering service ). 

During the conversations, I asked who the origination complainant was ... They stated " XXXX '' - Prior to XXXX XXXX, when calling the number, Operators would answer as NPS then give a name ... After XXXX XXXX, the calls switched to foreign accents. The voicemail recordings state that the company is XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Please see remarks on my closed Bank of Americs credit account. I agreed to pay balance in full in exchange for negative remarks to be removed from my credit file and so the account would show as paid in full. I filed a dispute so Bank of America could update my credit file and they did not. I called customer service directly to have the credit report updated and they said it would be updated to paid in full and it hasn't been updated. Instead my account is showing paid less than full balance, which 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 explanation
Consumer complaint received 2022-06-20
Company: EQUIFAX, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: National Default Servicing Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
NOTICE OF VIOLATION OF FDCPA & NOTICE TO IMMEDIATELY CEASE & DESIST ILLEGAL FORECLOSURE ACTIVITY. I will be more than happy to settle any financial obligation that might be lawfully owed to the right party in interest once XXXX provides me with sufficient proof of claim as a sworn statement under penalty and perjury. 

Under a sworn statement, on what basis and authority XXXX is conducting a non-judicial foreclosure on my home with a sale date of XXXX XXXX XXXX when ( A ) the outstanding balance on the loan was settled in XXXX XXXX  and the attached credit bureau reports from the XXXX main agencies, XXXX, XXXX and XXXX - ALL 3 indicate that ( i ) the loan has been paid as agreed ( XXXX ) Monthly payment is {$0.00} ( iii ) XXXX is showing the account is closed? The reports DO NOT show the loan in default so on what basis XXXX is foreclosing? PLEASE PROVIDE ACCOUNTING REPORT PER GAAP FAS 140 TO PROVE THAT THE BENEFICIARY YOU ARE REPRESENTING HAS A VALID CLAIM OTHERWISE, THIS IS JUST HEARSAY AND NOTICE IS HEREBY GIVEN THAT NDSC WILL BE HELD LIABLE FOR THE HARM CAUSED FOR CONDUCTING A FORECLOSURE WHEN THE NOTE IS NOT IN DEFAULT AND HAS BEEN PAID AS AGREED ACCORDING TO THE REPORTING BY CENLAR TO THE CREDIT AGENCIES. 

( B ) Evidence shows that XXXX XXXX is NOT the true beneficiary or party in interest XXXX is foreclosing on behalf as ( i ) There is NO assignment of Deed of Trust to XXXX XXXX as the beneficiary recorded in XXXX XXXX XXXX XXXX 's office proving that XXXX XXXX is NOT THE actual party in interest and ( ii ) Further, the attached CUSIP report shows that the note with XXXX ( XXXX ) XXXX, Loan # XXXX is securitized and in a XXXX XXXX XXXX. BEFORE PROCEEDING WITH ANY FORECLOSURE, PLEASE PROVIDE PROOF THAT XXXX IS THE RIGHTFUL PARTY IN INTEREST AS THE EVIDENCE I AM PRESENTING HERE DOES NOT SUPPORT YOUR CLAIM. 

( C ) XXXX  DOES NOT HAVE ANY TERRITORIAL JURISDICTION TO CONDUCT ANY FORECLOSURE ACTIVITY AND HAS FAILED TO PROVIDE ANY PROOF WHICH MEANS THAT XXXX DOES NOT HAVE ANY TERRITORIAL JURISDICTION AND IS ENGAGING IN CRIMINAL ACTIVITIES AND WILL BE REPORTED. 

( D ) NOTICE IS HEREBY GIVEN TO NDSC TO CEASE AND DESIST IMMEDIATELY THIS ILLEGAL AND FRAUDULENT FORECLOSING SALE CAUSING ME IRREPARABLE HARM AND NOTICE IS HEREBY GIVEN THAT CHARGES WILL BE BROUGHT AGAINST ALL PARTIES INVOLVED IN ANY XXXX ACTIVITIES- incl. XXXX, XXXX XXXX, XXXX XXXX FOR THE HARM AND INJURY CAUSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Pursuant to 15 USC ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a report in correspondence with the written instruction of the consumer. I never gave XXXX, TransUnion and XXXX written consent. No consent is identity theft. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports by allowing these inquiries to remain on my report. I am losing confidence in the banking system if these unauthorized items are not removed I will no longer to do business with you. There was some fraud on my report and therere a bunch of inquiries that need to be removed and Im looking to purchase however these are fraudulent inquiries and accounts that hurts my credit score.

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 2022-06-20
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 have been reporting some time now about identity theft to all credit bureaus which has resulted in a lawsuit against XXXX Now I an starting to get many thing reported on my Experian and XXXX credit file, accounts and inquiries that are not mine. 

Experian is reporting : XXXX XXXX XXXX on my credit file that is not mine. I have no knowledge of this company and I have never opened an account with this company. 
Experian is also reporting hard inquiries that are not consented by me as I have not giving anyone permission to run my credit : XXXX XXXX XXXX ( XX/XX/2022 ) XXXX XXXX ( XXXX XXXX ) XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX, 2022 ) XXXX ( XX/XX/XXXX. 2022 ) XXXX has tremendously dropped my score due to inaccurate credit reporting. 
XXXX reports accounts that are not mine : XXXX XXXX ( XX/XX/2022 ) {$5700.00} XXXX XXXX  XXXX ( I have has these loans in the past but I have not opened up another one and they have one on my credit file showing that it is past due, {$1200.00} reported XX/XX/2022 ( this caused my score to drop ) XXXX XXXX  ( another loan that I have had in the past and have not open another one is showing that I have a new one and I don't reported XX/XX/2022 balance {$810.00} XXXX XXXX ( another loan that I have had in the past and have not open another one is showing that I have a new one and I don't reported XX/XX/2022 Balance {$1300.00} XXXX is also showing hard inquiries that I and no knowledge of or gave consent as I have not had my credit ran XXXX XXXX XXXX  ( XX/XX/2022 XXXX XXXX ( XX/XX/2022 XXXX XXXX  ( XX/XX/XXXX. 2022 XXXX XXXX ( XX/XX/2022 XXXX XXXX ( XX/XX/XXXX. 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 explanation
Consumer complaint received 2023-10-18
Company: Navient Solutions, LLC.
State: NY
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: Problem with personal statement of dispute

Complaint:
I am a cosigner on my daughter 's student loan. I was not properly notified of 1 missed payment on my daughter 's loan. Navient claims they did their due diligence to contact me however, the email address they had on file was not accurate. I never received an email. They claim they mailed letters, I never received. They claim they called but did not leave any messages. I never received a phone call that identified as being from Navient. Navient put a negative rating on my credit report which dropped me from an XXXX to a XXXX. They refused to withdraw the negative report. As a co-signer, Navient has the responsibility to notify me properly before unjustly affecting my credit rating. As co-signer, I can't settle anything if I am not properly made aware. Navient has refused to withdraw the negative mark on my credit report and stated that I can file a dispute but won't guarantee that it will be overturned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: ID Analytics, Inc.
State: IN
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:
Sage Stream sent me a copy of my consumer disclosure report. On that report, there were numerous variations of my name, address and phone. This is information they have " mined '' from various sources or were given for some illicit reason or another. I am requesting an official investigation of the personal information data that appears on my credit report. I have 1 name, 1 address and 1 phone number that should be on this report ; any other variation ( s ) that are NOT removed from my report will constitute a blatant disregard of consumer reporting laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Transunion has REINSERTED a FRAUDLANT account on my consumer report. This account was deleted last year by transunion, and I was never notified in writing within five business days of reinsertion per the FCRA. 

Delete this account immediately! 
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