BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
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: Personal information incorrect

Complaint:
I have been working on my XXXX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and there is XXXX XXXX AV XXXX XXXX, IL XXXX Please keep in mind that XXXX ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. XXXX681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( 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.

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please rectify this error promptly and ensure that my account reflects the fact that I have always been punctual with my payments.

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 2022-06-02
Company: Experian Information Solutions 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 XXXX XXXX XXXX  # XXXX and 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 2019-08-04
Company: Regional Management Corporation
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:
I recently obtained a copy of my credit report from & LT ; name of the credit bureau XXXX ;. It indicated that there were some credit inquiry made by several companies. However, these inquiries were not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 

Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 

Please forward any documentation that you may have in regards to the removal of this credit inquiry. 





XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX ; XXXX XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX & XXXX ; XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX   XXXX ; XXXX XXXX/XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, I XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX  - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ; XXXX Conversely, should you find that I am remiss and my authorization was in fact obtained for making this credit inquiry, I would appreciate any such documentation of that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been in contact with XXXX XXXX and they have stopped collection activity on this account and the fraudulent account have been removed from both XXXX and XXXX. Why is it that your company Equifax is still reporting the fraudulent account. Not only that your company Equifax is reporting an account that is a result of identity theft. Not only was I not aware of this account, XXXX XXXX never gave me notice to dispute the validity of this account before inserting it into my credit file.However they have notified the credit bureaus that they have ceased collection. I am formally disputing this account once again as I am a victim of identity theft and this account is a result of thereof. Please remove this account from my credit file that you maintain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I voluntarily CLOSED my XXXX  XXXX  account more than 6 months ago but my account continues to be reported inaccurately as OPEN. The account has been required to be reported as CLOSED at consumers request. Please report account as Closed otherwise delete.

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 2022-11-16
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX has been on my credit past XXXX XXXX XXXX XXXX XXXX  and equifax refuses to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I kindly request that you promptly remove this inquiry from my credit report. I appreciate your immediate attention to this matter.

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX You are in violation of The Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX, XXXX NC has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.

Remove these late payments update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

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 2023-01-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/23, a scammer called my wife and pretended to be a representative from Wells Fargo. The scammer also called Wells Fargo and pretended to be my wife. The scammer provided my wife 's information to Wells Fargo and Wells Fargo sent an authentication code to my wife 's real phone number on file. The scammer, who pretended to be from Wells Fargo then asked for the authentication code. After my wife provided the authentication code to the scammer, the scammer gave it to the real Wells Fargo representative. However, the scam artist kept giving the wrong verification code to the real Wells Fargo agent, until finally, the correct one was given to the real Wells Fargo agent. 

At some point the scam XXXX logged onto Wells Fargo and submitted 2 wire transfers in the amounts of $ XXXX and $ XXXX. The scam artist then requested from the real Wells Fargo agent to release the funds. The Wells Fargo agent did so. This occurred between XXXX and XXXX. When I got through to the Wells Fargo fraud department at approximately XXXX - XXXX on the same date, the representative from the fraud department stated the funds were already sent to XXXX XXXX XXXX and could not be recalled. 

We submitted a complaint to Wells Fargo in addition to opening the fraud case. Our complaint was that the Wells Fargo employee did not follow the standard safety protocols and released the funds immediately. 

We received a letter from Wells Fargo dated XX/XX/23, stating in summary that Wells Fargo is not liable for the wire transfer initiated by the scammer and approved by the Wells Fargo employee. Thus, Wells Fargo will not refund our money. On XX/XX/23, we spoke to the Wells Fargo representative who was overseeing the case and the representative stated that Wells Fargo completed all the verification steps appropriately despite the authentication code not being verified at after several failed attempts and the scammers voice not sounding like a woman. 

When we asked for a copy of the audio between the scam artist and the Wells Fargo employee. Wells Fargo stated they won't release the audio to us or give us a detailed transcript of the conversation that took place without a subpoena. Obviously Wells Fargo is worried about their liability and not the victims in this case.

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 2023-09-15
Company: Nelnet, Inc.
State: IN
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:
I am managing two student loan accounts. One is my account, one is in my mom 's name. During COVID, the loan in my name was paid down to XXXX. When there was an announcement that $ XXXX will be forgiven per loan, we decided to take advantage and transferred the $ XXXX worth of payments made on my account to the larger loan in my mom 's name, allowing a total of $ XXXX to be " forgiven '' amongst the two loans instead of only $ XXXX on XXXX loan. The funds were transferred by our old servicer, Great Lakes. When I found out that the pause was ending and no loans would be forgiven, I realized I would have 2 large student loan payments each month instead of one. I called Nelnet on XX/XX/XXXX and waited 1.5 hours on hold and was unable to get through. On XXXX XXXX, XXXX, I waited on hold for another 2.5 hours to get the funds transferred back to the loan in my name, where the funds were originally intended. I was told my request would be processed in 10 business days, but had no record sent to my mom 's loan or my loan that this is being processed. On XXXX XXXX, I called and waited another XXXX hours to speak with someone about an update, to which they stated that they had no update or timeline. I told them how I had waited over 3 hours and they have XXXX more information for me? She said " I'm sorry, we don't. '' I asked for a supervisor and she said she could get a supervisor, but they won't be able to give me any more information. I waited another half hour for the supervisor, hopeful for more info. The supervisor told me she could send a generic email from Nelnet to my mom 's email that says " We're processing your request, '' but again, within the email, no timeline or solution can be given because they are so " swamped '' ( understandable that they're swamped, but no timeline is frustrating ). An expedited request is not available. XXXX is coming up and I will have to pay two loan payments instead of one because I don't know if and when this transfer will be processed. I guess I shouldn't have tried to take advantage of the forgiveness, but now I'm in a pickle with no updates. I could try to call them again in two more weeks and risk being on hold another 3 hours ... I just want a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
There is a fraud alert on my credit report with Experian. I've followed the instructions according to their automated phone system and website to have it removed. The info to have the alert removed was sent via USA mail per the instructions. After a couple of weeks I called directly to try and have it expediated because its holding up a refinance mortgage I'm trying to close on. The person I spoke to was not willing to help me when I pressed to speak to someone that I could possibly email or fax the info to in order to have this alert removed. The person then hung up on me. Experian 's website and customer service is not user friendly. I need the fraud alert remove ASAP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I'm upset that I am having to file yet another complaint against NFCU and their mortgage division. I am in a difficult financial situation now since my spouse passed away and losing quite a bit of income. I updated NFCU as to my current situation I also speak for a few who feel bad they they are having trouble meeting their monthly expenses like I am. Today XX/XX/2023 I made my past due mortgage payment before it was 30 days late and reflected on my credit report as delinquent. After I set up the payment as I always do only to have it rejected with a notification to contact NFCU by phone to complete the process. I was LOCKED OUT of my account and could not process any payment online like I have every other time except once when I was late making my mortgage payment then but assumed it was not their common practice.especially after a lawsuit alleging the very same behavior a few years ago. Clearly NFCU is not concerned with their customers experience in making payment 's on their loan. I told the customer service rep how upset I was and she agreed that this practice is common and unfair. Additionally over the course of a few weeks NFCU called my cell phone a minimum of twice, sometimes 3 times a day every day which is quite a bit more than they are allowed to do by law.In fact they completely filled up my voice mail. I know I am late but to have them harass me on the phone especially while I am going through the grieving process after losing my spouse suddenly is too much to bare.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

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 2018-08-05
Company: Manley Deas & Kochalski LLC
State: CO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My mother died on XX/XX/XXXX, leaving me as executor. I recently received a foreclosure notice on the property our family lived in for almost 60 years. According to the notice, in XX/XX/XXXX my parents took out a loan for {$40000.00} from XXXX XXXX, to remodel the house. At that time, BOTH of my parents were retired, living on a combined Social Security of about {$1100.00} - {$1200.00} per month. Their payment was to have been over {$500.00} per month, and would last until XX/XX/XXXX, when my mother would have been XXXX years old. On top of that, the interest on the loan was 8.725 %. My father then passed away in XX/XX/XXXX, leaving my mom to make these payments on her SS check of slightly over {$600.00} per month. In XX/XX/XXXX, they made an agreement to lower the payment, but extend the loan until XX/XX/XXXX, when my mother would have been XXXX years old! As I said, both of my parents had retired years before taking out this loan. In addition, both of them had TERRIBLE credit! Why would anyone give a loan like this to someone, under these conditions. Also, I see that one of the stipulations in the loan is that they will not let the property deteriorate. At the time of the loan, the west wall of the house had already detached from the rest of the house. The floor on that end of the house was sinking into the crawlspace. The ceiling in the attached garage was caving in. If XXXX XXXX  had bothered to look at the house in advance, there is no way they would have given this loan to my parents. My mother was able to pay off only about {$10000.00} of the loan before she died, and the house is now being foreclosed on. As we work to settle her estate, the house and contents will be sold, but most of the money will go to settle this debt. I feel that allowing my XXXX and XXXX year old parents to take out this large loan on a house that should have been condemned should be considered a " predatory loan '', and the loan should be forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is

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