BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-06-17
Company: EdFinancial Services
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My federal student loan servicer is EdFinancial. I remitted a payment on XX/XX/XXXX for my XX/XX/XXXX installment. This submission was not allocated to the monthly payment. I called to have the payment reallocated to post the XXXX installment and was told my the representative that they could submit my request to the finance department but it would take 60 to 90 business days to process. I then submitted two written requests through their online portal with the hopes of a quicker processing time ; only to have a response email sent back to me reiterating the 60 to 90 business day timeframe. A timeframe of 60 to 90 business days to reallocate a payment to have it go towards the monthly installment and roll the due date imposes significant risk to a person 's credit score unless they double payments intermittently as multiple due dates will continue to come through at that time ; it also has the potential to cause great confusion to the allocation of the continued payments being made in between, because if the due date has not changed and payments keep being made, what will be the effect of those payments ' due dates after 90 days when they reallocate the first payment request. This is an absolutely ridiculous timeframe, it's moving the payment I made to rolling the due date. I know EdFinancial has a department head over Finance that can easily go into the computer system and manually adjust my {$250.00} payment made on XX/XX/XXXX and have it post the XX/XX/XXXX installment ; and then adjust the second payment I had to make on XX/XX/XXXX to go towards my XX/XX/XXXX installment. I do not want to continue to submit requests for each payment because it will take 90 business days just to get the original one handled so that the following are also good to go. I also do not want to be late on my payments as I never have been and I can afford my one payment per month but due to their outrageous time efficiency issues I am being forced to choose between spending extra money or risk being past due. That's ridiculous in this post-COVID time when I have not opted out of making payments and have made every single monthly payment since I graduated college in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions 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:
I contacted XXXX on XX/XX/2019 to inform them that the inaccurate information they have purchased from a reseller and put on my consumer file and rental history is fraud. I disputed the inaccurate information with the credit bureau and received my result on XX/XX/2019 that Experian has investigated the alleged debt and removed it from my credit rereport. I requested a copy of my consumer file from XXXX XXXX. I requested to XXXX to freeze my file and they sent me a confirmation email that they processed my request and the reference number is XXXX that a security freeze was added and will remain in affect until the consumer request a lifts. 

I have not requested any file be unfrozen. I have an identity fraud protection alert on all of my credit files and i have not given any third party entity or vendor permission to use my personal data. XXXX has violated mu FCRA rights and used my personal data without my permission, without a signed authorization and is damaging my credit and rental history. Their consumer relations department located in XXXX, TX called me today and stated they unfrozed my file without my permission. I have a right to file suit against XXXX for violating my right s and privacy.They have not sent me an updated consumer report that i requested.

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 2023-05-09
Company: EQUIFAX, INC.
State: TN
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 second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They wont stop calling. They call me at 4 times a day. Ive already told them to cease and desist.

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 2023-11-24
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Mr. Cooper is refusing to correct their mistakes concering my mortgage transfer. They are using deceptive practices. We are a new customer to Mr. Cooper and we were impacted by the cyber security attacke one day prior to our first payment being due. Mr. Cooper 's website and all online notifications, and a communication via mail ensured that we would not incurr late charges and that this would not impact our credit score.

The latest communication from Mr. Cooper ensures that we will continue to receive foreclosure notices

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX / XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Date of Transaction - XX/XX/XXXX Financial Institutions - XXXX through Wells Fargo Bank Amount - two items, totaling {$280.00} XX/XX/XXXX XXXX TO XXXX XXXX ON XX/XX/XXXX REF # XXXX {$280.00} Details Category : Other Outgoing Transfers Made an online purchase - at XXXX XXXX XXXX - I was sent a confirmation email, and then, they requested that I send payment to them through XXXX. The story / rationale they gave me for requesting XXXX was that they were able to hold their prices down by not accepting credit card transactions and paying credit card fees. 

They confirmed receipt of the XXXX transfer / payment, said they would send shipping info within minutes, and then, they disappeared. 

Never received my merchandise, and I can not seem to successfully file a claim through XXXX- The XXXX site keeps asking for a 12-character, alpha-numeric Payment ID, and Wells Fargo hasn't heard of such a thing.

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 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating The Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) The credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) The credit bureaus don't have no written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681 s-2 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.
( B ) Reporting Information after notice & confirmation of errors.

A person shall not furnish information relating to a consumer to any consumer reporting agency if notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
The credit bureaus have no respect for the laws & someone need to hold them accountable for this.

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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX has violated my rights. 

15 US 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.

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 2023-06-13
Company: Experian Information Solutions Inc.
State: MN
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:
NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mn XXXX Email Address : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY Remove all late payments and negative items on my account, and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.

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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2023-06-06
Company: TRANSWORLD SYSTEMS INC
State: VA
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:
Transworld Systems Inc Fraudulently Contacted one or all three credit bureaus without validating a this debt. I Required this company to supply me with a list of items to validate debt such as ; Proof of ownership, Proof of a contract between myself and their company, Proof company has a legal right to collect in my state ie. To date this company has failed to provide this information. This company is in direct violation of federal statues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
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:
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. 
Acceptance now- XXXXXXXX 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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
Company: HW Holding, 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 have a COLLECTION DEBT on my credit report from a company called " HUNTER WARFIELD INC '' I do not know what this is. I have never had any account with them or any kind of binding contract with this company. They keep reporting the collection onto to my credit report and the debt amount keeps getting higher. I have researched the company to see what it was and I have no knowledge of this company. The reports they are making to my credit report is hurting my credit!! They are continuously reporting to my credit. This company needs to provide proof of any contract or anything account I had opened with them. I have tried to dispute this collection company off of my report with XXXX and it will not go away. They are attempting to collect a debt from me that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: NJ
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$370000.00}. 

Federal law requires the XXXX Credit Bureaus to reply inside the legal time span, yet they still can't seem to answer my letters. Subsequently, any records that have been questioned should be amended.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
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: Reporting company used your report improperly

Complaint:
XXXX XXXX # XXXX 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 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 2022-06-17
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
Synchrony Bank has sent false credit reports to the credit bureau, each month, for " unpaid '' payments of more than 60 to 90 days. The monthly balance is always paid on time. Sometimes, a bigger amount is paid more than the minimum amount due. It is set on auto pay, meaning the balance due is supposed to automatically come out of my account each month. Synchrony Bank scams their customers who make on-time payments; adding unreasonable late fees, decreasing their credit score and closing their accounts without warning. This has been on going since XX/XX/2020. The amount due changes every month because of false late fees. Something needs to be done about this company and the horrendous, scamming practices. It's detrimental to the customer who makes it their duty to make on-time payments and keep their credit score in good standing.

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 2023-11-15
Company: Experian Information Solutions Inc.
State: MO
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:
Company violated FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information

Company response to consumer: In progress
Consumer complaint received 2023-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have a Bank of America credit card with my company that has rewards of XXXX Bank of America said i closed this account before redeeming rewards so nothing they can do.. I never closed that account and can still long into it after fighting with them for a few years. it still shows the rewards i have but will not let me redeem. i have called again after ruling from CFPB for this fraudulent activity and bank says there is nothing they can do and even if there is a ruling it doesn't mean they will pay me back.

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