BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-20
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: Account information incorrect

Complaint:
I am demanding that the credit reporting agencies stop reporting the account XXXX XXXX for inaccuracy - the payment history is inconsistent, different account numbers are being reported XXXX, XXXX, and XXXX. How is this accurate when all data furnished should be the same? Why are there different account numbers for the same account and why are there are a variation of different late payments reporting? I also contacted the original creditor, and they could not verify that this account is reporting accurately. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my credit report. I have already sent letters months ago so I am requesting that this is deleted within 15 days, or I will be moving forward with contacting the registered agent and filing litigation. Please see the attached letters that were sent to the credit reporting agencies and the creditor XXXX XXXX which are dated, and time stamped.

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 2020-01-30
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Received {$500.00} Vanilla  Gift Card. 
On XX/XX/2020 noticed ( via VanillaGift.com ) THREE XXXX transactions totalling approx. {$150.00} by someone other than myself. 
I notified Vanilla Gift card Customer Service # XXXX on same date, XX/XX/2020. I was given a Case ID # XXXX and that I would receive a " Dispute Packet '' in 24 hours. I did not receive the packet via email ( and also was not able to use the card nor have access to it online ) and so I called next day, XX/XX/2020 to request packet. Received their Dispute Packet via email and completed form and faxed XX/XX/2020 using their form. I called to confirm receipt of my fax on XX/XX/2020 andXX/XX/2020 which rep. could not confirm was told back office has up to 10 business days.

On XX/XX/2020 I called and was told that the Case ID XXXX was deleted and gave me a new one, # XXXX ( which would start the 10 day review process by their back office all over again. ) I faxed their Dispute Form again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and  called each day to confirm receipt of my fax which rep. could not confirm as back office has up to 10 business days. I called XX/XX/XXXX ( on the 10th  day from XX/XX/XXXX 2nd case # ) and was told by rep. that their back office did not receive my faxes. Gave rep all dates faxed, all my calls to follow-up and have fax confirmations of all being received. I gave rep the number that I faxed from and confirmed their fax information. To date, I have not heard nor received a response on the status of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: AES/PHEAA
State: VA
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 enrolled in PSLF program and FedLoan has miscalculation and overestimated the number of payments that I need to make in order to be granted loan forgiveness. I called over 10+ times to FedLoans to have them re-count my payments and update my payoff date. After 2+ years and a CFPB complaint later, they finally re-counted by payments and the count is still off. I have called them again to recount my number of payments but again they say it will take several months to years. My payoff date should be XX/XX/2022. Your assistance is much appreciated. The customer service reps are not helpful. Nothing ever changes no matter how many times I call. I know the correct date because I had them mail me all of my payment paperwork and prior pay off dates listed 3-4 years ago were correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
WHERE IS MY XXXX BITCOIN?! PAY ME NOW!

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 2023-08-15
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: Information belongs to someone else

Complaint:
Why do you keep on closing my complaints saying that you already processed my earlier complaints about my problem? I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I'm reaching out regarding these inquiries and for assistance to remove these inquiries from my credit report immediately. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-02-06
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ill start by naming an original Debtor, was a XXXX XXXX Bank XXXX. XXXX! It was their credit card that they added a bunch of nonsense fees too and then said in XX/XX/2020 they would not be able to help me pay them I didnt qualify for any fee waivers or covid relief and send it directly to MIDLAND CREDIT company and i am not sure if you ever heard of this company but they dont care who you are what you owe they called already XXXX times this morning and its before noon! Relentlessly! XXXX XXXX credit cards are loaded with illegal add ons and they know it!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Closing disclosure or other related disclosures

Complaint:
I am near closing of a mortgage with Bank of America. 

At some point during the application process, my rate was locked at 7.75 %. Prevailing mortgage rates have since fallen substantially. I asked if my rate could be reduced prior to closing. Response was that I had locked my rate already, however they can not show me a document where I signed off on the rate lock in advance. They tell me that it was discussed in a recorded call, but will not send a transcript or the audio file so that I can confirm, and I have no recollection of this discussion. Their evidence of written acknowledgement is some disclosures and loan estimates given after the fact, which only evidences a fixed rate - but again, no fulsome discussion or clear rate lock agreement ahead of time. 

Further, they acknowledged a " float down '' process whereby rates can be reduced, however they require a 75 basis point reduction in what they determine " market '' before such reduction would be allowed. This is a practical impossibility, as the likelihood of a 75bp reduction within the time of a real estate contract is virtually impossible. This is arbitrary and unclear. And the end result is that Bank of America is gaming its clients for additional interest earnings spread. 

The net combination of these factors and activities leads to conclusion that Bank of America is AGAIN acting in bad faith and is predatory in its lending policies.

Company response to consumer: In progress
Consumer complaint received 2022-08-12
Company: ALLY FINANCIAL INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ally Finance reported to credit bureaus that I was late 6 times. This is absolutely false. I was never late 6 times. In fact Ally themselves never reported that in previous months. 

They also are contunuing to report a 30 day late payment, when in fact this is incorrect.

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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
This complaint is for TRANSUNION, I sent them a letter regarding the inaccuracies in my report such as amounts reported like the balance, date opened, date reported, payment status, etc. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 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. It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2023-02-23
Company: Experian Information Solutions 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:
Attached is a screenshot and letter that I recently sent to XXXX and Experian. I requested that both CRA 's do a complete investigation to ensure the accuracy and of ownership regarding this XXXX. I was sent a letter from both CRAs that this account was verified as accurate. I have requested their method on verification as proof as to how this account was verified as accurate but did not receive anything. IF a complete investigation was done XXXX and Experian would have seen this account was deleted from my XXXX report. They would have also seen all of these inaccuracies. I highlighted as proof that this XXXX account is not only inaccurate but also has not been validated as my account.

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 2023-02-06
Company: MOHELA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
IN XXXX, 2022, I CALLED XXXX CONCERNING MY STUDENT LOANS AND CONSOLIDATION. THEY RECOMMENDED THAT I CONSOLIDATE WITH MOHELA. I CONSOLIDATED THE LOANS. HOWEVER, I HAVE NOT BEEN ABLE TO REACH A LIVE AGENT, SINCE THE CONSOLIDATION. I RECEIVED A LETTER FROM MOHELA, INDICATING THAT I HAD DIED. I CALLED CONSISTENTLY AND HAVE NEVER BEEN ABLE TO REACH A LIVE AGENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

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 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am highly upset the credit bureaus have not responded back to me about my investigation. 
This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

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 2020-12-18
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:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-09-28
Company: Ocwen Financial Corporation
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My Name is XXXX XXXX XXXX and I have a loan that is currently being serviced by PHH Mortgage with the loan number : XXXX, I started missing my payments on the mortgage in the month of XXXX of 2019 after my wife was hospitalized because of XXXX  XXXX, and I started to get behind on my mortgage, and as the entire world is suffering from the severe hit of Coronavirus, I lost my Job in the month of XXXX, I applied for a loan modification from PHH in the month of XXXX and I was denied stating I cant be given a loan modification as no loan modification is allowed on my mortgage, I also tried speaking with the Relationship manager and supervisors at PHH asking them to give me a Repayment plan or a Forbearance plan, but I was told that they can't help me with any of those plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citibank sent me a letter informing me that they are closing my safe deposit box account. The notice stated to contact their customer service to obtain further information. 

When I first got the notice, I reached out to the Citibank branch located at XXXX XXXX XXXX, XXXX, CA XXXX, directly and spoke to the branch manager. The branch manager informed me that they do not see any closure notices for any of my accounts in their system and the letter looked to be fake. He made a copy of the letters and said he will forward these to Citibank fraud department and let me know if there is anything information. 

Upon this information, I took no further action, however, on the notice date, my checking & savings accounts were closed - even though the notice mentioned just my safe deposit box account. This was then followed by closing my credit card accounts by Citibank I sent multiple letters ( via USPS ) requesting further information, however, till date I have received no response to my request.

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 2023-10-20
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting Act, it is stated in 15 USC 1681 section 602 that consumer reporting agencies, such as XXXX, XXXX and Experian, have a responsibility to exercise fairness, impartiality, and respect for the consumer 's right to privacy. As the consumer, I have the right to ensure that my private information is not shared. This is supported by 15 USC 6801, which emphasizes the obligation of financial institutions, including those that furnish information to credit agencies, to respect customer privacy and protect the security of their nonpublic personal information.

Additionally, 15 USC 1681 section 604 states that consumer reporting agencies may only furnish consumer reports in accordance with the written instructions of the consumer. As the consumer, I have not provided consent for XXXX, XXXX and Experian or the financial institution that furnishes information to credit agencies to share my information, and they do not have my written consent. Therefore, any previous consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Moreover, as stated in 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer has been informed of their right to exercise a nondisclosure option. The financial institution did not inform me of this right. Furthermore, according to 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including certain adverse information in consumer reports, unless authorized under subsection ( b ), which does not apply in this case. Therefore, the reporting of this adverse item without my permission violates the law.

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) states that no person shall furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. XXXX, XXXX and Experian are obligated to maintain reasonable procedures, as stated in 15 U.S. Code 1681e, to avoid violations of section 1681c and to limit the furnishing of consumer reports to the purposes outlined in section 1681b. It appears that XXXX, XXXX and Experian are not fulfilling these obligations. 

Lastly, 12 CFR 1016.7 specifies that a consumer has the right to opt out at any time. I hereby exercise my right to opt out of your reporting. 

Please take note of my requests and ensure that my private information is not shared or reported without my consent. Thank you.

Company response to consumer: In progress
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: DC
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: In progress
Consumer complaint received 2018-11-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to Portfolio Recovery Associates which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. Portfolio Recovery Associates has  failed to respond or provide any means of documentation or validation.. I am aware proper validation as well as proof of my liability is my right under the Fair Debt Collection Practice Act. No chain of command, application, or contract, containing my signature has been provided on behalf of Portfolio Recovery Associates. Portfolio Recovery Associates is in violation of the  fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
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: 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX 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 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 explanation