BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-20
Company: DISCOVER BANK
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: Account status incorrect

Complaint:
Discover card reported my credit card account delinquent to the credit reporting agencies in XXXX of 2019. I have had this credit card account open for 10 years and Discover always deducts the monthly payment from my account every month. But last year I noticed a late fee and contacted them about why the payment wasnt deducted from my bank account and why I was assessed a late fee. The operator assured me the problem would be corrected and the monthly payment would be deducted from my bank account. Another 30 days had passed by and I saw that Discover still did not deduct the monthly payment from my account and contacted the credit reporting agencies that my credit card account was delinquent. I dont know why Discover did not deduct the payment from my bank account after they reassured me that they would and why the credit reporting agencies were contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: CCS Financial Services, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is the original debt collector. The company has never issued a 1099-C after discharge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX no longer services my XXXX  loans and that is reflected on my account information on their website, but the credit bureaus keep reporting it even though I've disputed it several times. The new government XXXX  loan servicer is XXXX with a total debt of {$140000.00}. The old XXXX account is part of this. They need to remove the {$63000.00} XXXX account. I have documents from my XXXX account to prove this. The credit bureaus should be able to access this information.

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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 am writing to formally complain about the ongoing issue of an unresolved late open account on my credit report. This is my second attempt to address and rectify this matter, as the issue persists and continues to negatively impact my credit history, causing significant financial harm and distress. 

I would like to provide a brief summary of my previous attempts and the current situation : I initially discovered the late open account on my credit report. I promptly initiated a dispute with your credit reporting agency, providing all the necessary evidence to show that this account was inaccurately reported as late.

After my initial dispute, I patiently awaited a resolution but received no satisfactory response. Despite the dispute, the late open account still remains on my credit report, adversely affecting my creditworthiness. 

Following my previous attempt, I have made a concerted effort to re-dispute and correct this account. I have contacted your agency, provided additional supporting documentation, and communicated with the creditor involved. However, the issue remains unresolved. 

This ongoing situation has caused me significant financial hardship and emotional distress. I have diligently followed all dispute procedures and expected a timely and accurate resolution of my credit history. 

I kindly request that you take immediate action to thoroughly investigate and correct this late open account on my credit report. I urge you to rectify this matter promptly, as it is imperative for my financial well-being and peace of mind. 

I am well aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I am prepared to take further legal action to protect my rights and interests if this issue remains unresolved. I am asking for your assistance to correct the late open account : XXXX  XXXX XXXX Balance : {$1400.00}.

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 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

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 2023-08-25
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In doing further research, I found out that my mobile carrier had a data breach which I was apart of. I was never made aware of it and this may lead to how this XXXX account being established without my knowledge. I have reached out to XXXX and they can do confirm any information. 
They can only tell me it has been sent to collection. XXXX can not verify the account because I have no knowledge of this account and can not give any information other than it was bought by Jefferson Capitol System. Furthermore I only found this out because I had applied for a XXXX credit card, I pay all my creditors and I was rejected to my surprise. 
I have reach out to XXXX XXXX XXXX in the last 2 month. Every call sends you to one prompted and then to another prompted and thinking you're in queue the system will hang up on, time and time again. I have given more than enough time trying to resolve this myself and now have decided to file this complaint. This is a fraudulent account has cause significant financial stress on myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: CAINE & WEINER COMPANY, 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:
Hello, your company is committing extortion against me by reporting to non-affiliated third parties coercing me to pay an alleged debt. In addition your company has violated me per 15 US code 6802 : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Also your company did not provide full disclosure, required under TRUTH IN LENDING, of my ability to opt out of any sharing of my nonpublic personal information with non-affiliated third parties : ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.The only credit bureau is the CONSUMER FINANCIAL PROTECTION BUREAU. Your company did not have my written consent or fully disclosed permission to share my non-public personal information with any third party such as a credit reporting agency. YOUR COMPANYS ACTIONS ARE NOT LAWFUL CONSIDERING I WAS NEVER PROVIDED FULL DISCLOSURE. Your company has been implicit in harm against me and my financial reputation and I will seek remedy for my damages through legal procedures if this matter is not rectified immediately. This is my final attempt to resolve damages you have caused me before filing for arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below 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 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 an 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 2023-08-25
Company: TRANSWORLD SYSTEMS INC
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I received my loan statement XX/XX/XXXX, my principle balance was {$720.00}. On XX/XX/XXXX I made a payment of {$250.00}, {$240.00} went to my principle balance. I checked my account again on XX/XX/XXXX and my current balance was {$820.00} and accruing interest charges base off that amount. I notified UAS/XXXX XXXX of the mistake on XX/XX/XXXX to which they replied they were waiting on an account specialist to advise them on what to do, I requested documentation of the additional charges on my account. On XX/XX/XXXX they emailed me a copy of the loan details that did not indicate any fees or charges that justified the increase in the current balance. I restated the issue and asked for documents supporting this increase and asked they review my statement from XX/XX/XXXX and compare the current balance available with the principle balance on my statement ( {$720.00} ) and the payment ( {$250.00} ) applied to the account on XX/XX/XXXX. On the XXXX I checked my account again and the principle balance was {$730.00}, I emailed requesting an explanation and restating that the amount was still incorrect. I issued another payment of {$250.00} on the XXXX, an additional {$240.00} was applied to the principle balance. Today, XX/XX/XXXX, I got an email from UAS stating they had made a slight adjustment to my account and claimed " the rollback/roll forward and missing accrued interest recalculation from XX/XX/XXXX is what caused the balance to change. ". My current balance as of XXXX CST was adjusted to {$570.00} which is still the incorrect amount. I have emailed them multiple times today informing them that the new balance only takes into account {$250.00} of the {$500.00} I have paid this month on my loan. They claim the current amount of {$570.00} is the correct amount due. I informed them that based off my principle balance and my payments that is incorrect because {$720.00} subtracted by {$480.00} does not equate to {$570.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After discovering that a debt collection company and Trans Union were erroneously reporting a debt as mine, I contacted both organizations to inform them that the debt did not belong to me. However, neither of them has offered any help, and the company keeps calling and making threats despite my explanations. Despite my repeated insistence that the debt is not mine, the company continues to call me during work hours, sometimes multiple times a day. They also call me past XXXX XXXX, which is against regulations. They have contacted me from three different phone numbers and have failed to identify themselves on the phone. The company is attempting to collect a debt that is not mine, and I have already informed them that I will not be paying it. In addition to the calls, I tried to dispute the debt on the company 's website, but it was not functional. After submitting my order, information, and proof, nothing happened, and the website instructed me to resubmit my dispute. If the company persists in these practices, I will be forced to take legal action. I have attached phone records of this company attempting to call me from two different numbers one number ending in XXXX and another one ending in XXXX The company Im talking about is XXXXXXXX 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 explanation
Consumer complaint received 2020-05-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying to get a home loan, but my lender told me that they received a fraud alert notification on just my Equifax, the other bureaus released my credit with no issues. I contacted Equifax for the first time in XXXX. On XX/XX/2020 I called Equifax about the issue and they said that I do not have an account with them, or they do not have my correct information. So I sent my driver 's license, social security card, and current address with a cover letter explaining that I wanted to verify my identity and remove the fraud alert from my account. I received a letter XXXX XXXX from Equifax stating that I still do not have a file with them and it could be because I have not had a credit line.This is false because I have a car loan from XXXX XXXX XXXX XXXX XXXX and I have student loans. I called them again on XXXX XXXX to see what else I can do, and they said to call my bank and make sure they are reporting to Equifax. I called my bank on XXXX XXXX and a representative told me that they do report to all three credit bureaus including Equifax, they also sent me a letter confirming my car loan and on time payment history. Equifax says there is nothing they can do because I have no credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have recently reviewed my consumer report and notice that there are two accounts that are not reporting correctly or has been verified neither have i given written consent to disclose this information which is a viloation of my privacy. I'm asking this accounts be deleted from all of my consumer reports immediately to prevent future litagation. According to the FCRA all accounts must be accurately. U.S.C 15 1681 ( a ) ( 4 ) states '' There is need to insure that consumer reporting agency exercise their grave responsibilities wit fairness, impartality, and respect for the consumer 's right to privacy. I did not provide written consentfor the accounts below to be reporting on any of my consumer reports. 
XXXX XXXX and XXXX needs to be removed.

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 2023-08-25
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Before the pandemic I used to own a business, however I owed a balance of {$35000.00} to American expenses and I was paying every month on time until the business collapsed because the pandemic The loan was in the name of the business but American expenses put the credit on my credit report with affected my credit score from excellent to fair I reached out to them few times to arrange some payment to pay off the balance and they refused that time and their excuse back then was they didnt have any options for me So because I lost my business I was not able to make anymore payment They sent the charges against my credit report instead of of the business that I lost because of the pandemic

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions 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: Account status incorrect

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 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 2023-09-29
Company: WELLS FARGO & COMPANY
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-08-25
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
I received a letter my loan was transferring from XXXX XXXX to New Rez. It stated the transfer date was XXXX, XXXX XXXX would stop accepting payments and the new servicer would start accepting payments. I did not receive any information about my new loan number. On XXXX I tried to contact New Rez to make a payment, and an automated message via their phone number stated they would not be accepting payments until XXXX. I also tried to login to their website on XXXX and was blocked, I needed my new loan number which was never provided to me. I had to call to get my loan number. 
I just received my welcome letter TODAY XX/XX/25 from Shellpoint/Newrez which has a " date '' of XXXX. There's no way this was mailed on XXXX. It finally has my loan number and information on how to make payments. 
I work for a mortgage servicer, this communication lag is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation