BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-06
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 am submitting this CFPB Complain to dispute the presence of fraudulent items on my credit file. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the deletion of inaccurate, incomplete, or unverifiable information from my credit report. Upon reviewing my credit report, I have discovered several items that are the result of fraudulent activity. These items were not authorized by me and are therefore inaccurate and should be removed from my credit file. Specifically, the fraudulent items I am disputing are : U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  PA ) XXXX Balance : {$870.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$810.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$830.00} U S DEPT OF EDXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX I have taken the necessary steps to report the fraudulent activity to the appropriate authorities and have provided documentation of the same. I request that you investigate this matter and remove the fraudulent items from my credit file as soon as possible. In case you hold the belief that the contested items are rightfully mine, I request that you furnish me with copies of the supporting documents for your claims. If no such documents exist, it is imperative that you promptly remove the fraudulent 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 non-monetary relief
Consumer complaint received 2022-10-31
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2022 I submitted a Public Student Loan Forgiveness waiver to Mohela who is the new loan servicer for federal loans. I have not heard back from Mohela about my PSLF waiver and it is now XX/XX/2022 the final deadline for the PSLF waiver.

I need to know the status of my PSLF waiver that I submitted on XX/XX/2022.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This company should not be allowed to continue to conduct business. I'm guessing that the company quickly was acquired by another company is the reason for such a delayed response to my request to have the account closed and removed from my report as I did not open the account. You can barely get ahold of the team who is supposedly the one to handle fraud investigations. This is by far the worst experience received by a company that claims to assist individuals with some sort of credit building. I have 3 emails spanning over two weeks where the company has not responded and provided some sort of update. I think I am at least owed the respect of being included in any sort of updates to my case. Completely disappointed in 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 2022-06-04
Company: U.S. BANCORP
State: GA
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:
Elan Financial Service Reports a secured credit card in my name opened on XX/XX/2022. The payment status says its past due 30 days two times and then Im over the limit 127 %. I have called both Elon Financial services to try to have this matter resolved as I never opened a credit card with their company. I tried to ask for where the secure {$300.00} came from they did not provide that information I have submitted disputes with the credit bureaus to no avail. Its still showing as a revolving account and Ive never opened this at all. It should be simple to find out where the {$300.00} came from if I opened a secured credit card which I wouldnt have done considering I have three credit cards with good balances and are unsecured.

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 2023-04-06
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Please remove/delete this account because this is deleted from other bureaus. 
XXXX XXXX OF XXXX XXXX XXXX : {$130.00}.

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 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 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 2019-01-08
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 the SEVENTH time I have tried to fix this issue with Transunion so I have decided to get lawyers involved, there is a fraudulent account with XXXX  XXXX XXXX that all the other credit agencys deleted except for XXXX  XXXX. This Data furnisher has been in violation of the FCRA 2009 ( a ) which states a Data furnisher MUST delete an account that has been reported to authorities and has proper identification to prove it ( which I have provided numerous times ) WITHIN 4 BUISNESS DAYS, ITS BEEN 9 MONTHS. I have reported the data furnisher to the Attorney Generals office - XXXX XXXX due to Transunion negligence. They are in violation of the Fair credit report act 2009 ( a ), which is a FEDERAL LAW. FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. " Last time XXXX  XXXX, responded TransUnion has declined to block the information for one or more of the following reasons which were provided to you in the letter : a ) TransUnion has reason to determine that you have requested the block in error ; b ) TransUnion has reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) TransUnion has reason to determine that you obtained possession of goods, services or money as a result of the transaction at issue. Let me repeat this, 1 ) I DID NOT REQUEST THE BLOCK IN ERROR. 2 ) Transunion IS FALSELY ACCUSING ME of misrepresentation of facts, to a known identity theft victim. 3 ) I DID NOT RECEIVE ANYTHING FROM THIS FAUDULENT ACCOUNT. I have referred this to the office of the Attorney General of California - XXXX XXXX, and the XXXX XXXX - XXXX XXXX XXXX for data furnisher negligence / litigation. I am completely upset and absolutely disappointed with the service Transunion has provided me, I will be writing a letter to my local congressman on this issue as well.

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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Upon looking at my Consumer report I have identified items that are the result of identity theft, because each item ( documents enclosed/attached ) does not have my written or verbal consent to report these items listed to my consumer report. According to 15 USC 1681 C-2 I am now filing this Identity theft report for the ( Enclosed/attached ) items. Please review all attached documents and all applicable laws.

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 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
These accounts were opened without my knowledge or consent affecting my credit score and ability to rent a home, finance a car among other things affecting my day to day life!

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 2022-06-04
Company: Experian Information Solutions Inc.
State: FL
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:
n accordance with the Fair Credit Reporting act XXXX  XXXX XXXXXXXX XXXX XXXX # 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 explanation
Consumer complaint received 2018-09-01
Company: ARVEST BANK GROUP, INC.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I went to cash a check at Arvest Bank. The teller asked me to open an account. 
He had me go to an office to answer questions I had before opening the account. Of most importance if SSI deposits were available to customers as quick as XXXX or XXXX XXXX XXXX. He assured me they were, and said at latest Arvest may post one day later. On XX/XX/XXXX XXXX XXXX XXXX and XXXX made available to their accounts the money from SSI. When I did not receive mine by XX/XX/XXXX I called Arvest and asked why not yet, and I was informed Arvest wont post SSI until XX/XX/XXXX. I explained that is not what the guy at the bank told me when I opened my account. I explained my water would be shut off, I would hhave to go without water til the money post, and I am a full-time single dad, thats not easy to go without water. In addition I would also have to pay the disconnect and reconnect fees. When I spoke to members at the bank I was told by two tellers that informed me they are pushed to get as many people as possible to sign up for accounts. I feel the teller who signed me up for the account was pressured to get me to sign up and was going to say what I needed to hear to make it happen. When I spoke with the branch manager she assured me they don't have quota for tellers but wouldn't comment if they are pressured or asked to get everyone to sign up. I would of never been without water for 3 days if it wasn't for the pressure put on the teller or the deceitful tactics to get me to sign up. This cost me the disconnect fee and reconnect fee. Their should not be pressure for tellers to sign up accounts and tellers should not be deceitful.

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 2023-01-12
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo re-instated my loan in XX/XX/XXXX, after XXXX years of unsuccessful attempts. 
In XXXX I made a lump sum payment to bring my loan current. Wells Fargo did not apply that renovation loan money to my past due. Nor did they inform me how the XXXX would be applied. After XXXX  years of disputing the issue, they agreed to reinstate the loan. 

Yet they never waived the penalties or interest ( ALL CAUSED BY HAPPILY TAKING MY XXXX, yet applying non to my past due balance ). 
I have made on time payments again since XX/XX/XXXX. 
As of XX/XX/XXXX Wells Fargo has taken the unpaid months and added XXXX to my principal balance. 

All of the fees for the XXXX years should be waived due to their error. Should also be waived for they never wanted to reinstate the loan during the XXXX year ( XXXX ) time frame. 

Reasoning is I own in a Gentrifying zip code. my property value has shot up XXXX in XXXX years. I have news articles if the large parcels being assembled in my area and sold to a specific individual. It was developer XXXX XXXX who brought a legal case, that shed light on the matter. Because he was promised the foreclosure lots/homes/parcels, and they were given to someone else. 


I am asking that these XXXX years of fees/penalties/missed payments, are not added into my principal XXXX months after this matter was supposedly settled. 

I am also asking to be compensated for I have read Wells Fargo has settled a CFPB case and individuals who were financially harmed would be made whole. 

All of this started when Wells Fargo Emailed me that there Renovation department was closing and the money I had not yet used, would be taking back. 
This is Renovation money for a Primary Residence I can still not live in to this day. 

These situation on a whole has ruined my credit, and I can not finish my home. only pay the mortgage. IF there renovation department didn't close, I have been wronged.

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 2016-02-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My XXXX XXXX husband my a XXXX Quick Pay transfer from his XXXX account to my XXXX account for {$550.00}, on XXXX/XXXX/2015. On XXXX/XXXX/2015 I did not see the money in my XXXX account. When I inquired to XXXX, they said it was accepted into a Wells Fargo account ending in XXXX, via clearxchange. I checked my personal Wells Fargo account, it did not end in XXXX and the money was not there. I called clearxchange, they said they only act as a clearing house for money transfers and that it 's a XXXX issue. XXXX says it 's a Wells Fargo issue and Wells Fargo does not find the money anywhere and says it 's a XXXX issue. NO ONE IS HELPING ME!! I have a " transaction number '' yet it seems to be worthless. WHO CAN I GO TO FOR HELP TO RETURN OUR {$550.00}?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Lender refuses to postpone foreclosure sale to complete loan modification review. Lender claims that they can not modify loan because it is an equity loan and under Texas law these loans can not be modified. Lender ignores that XXXX XXXX XXXX, et seq. supersedes state law.

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 2022-06-04
Company: EQUIFAX, INC.
State: FL
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:
n accordance with the Fair Credit Reporting act XXXX US DEPARTMENT OF EDU # 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 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
n accordance with the Fair Credit Reporting act XXXX US DEPARTMENT OF EDU # 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 2023-11-15
Company: Nelnet, Inc.
State: NJ
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:
First they have not honored the post graduation deferrment of 6 months. My daughter graduated on XX/XX/. Her deferrment should have lasted to XX/XX/. However they showed on their website that her first payments were due on XXXX. We went ahead and paid on XX/XX/. On XX/XX/, they are showing as delinquent. The amount delinquent does not correspond to any specific loan. Their system makes no sense at all, and the information is never correct on the website! The company is NELNET. Also you can never get anyone on the phone, I have been left on hold multiple times for over 3 hours!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXXXXXX XXXX no longer owns this account and it was sold to another agency. Therefore it can not be reported by XXXX XXXX XXXX and it should be deleted from my account because this company is no longer responsible and does not own the debt. 

As a result, the consumer bureaus have violated the law listed below. 

15 USC 1681e ( b ) : Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

This law explains the Credit Reporting Agency must take steps to ensure that everything on my credit report is 100 % accurate.

Please provide information on the steps taken to prove the information is 100 % accurate.

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