BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-12
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXXXXXX Balance Owed : {$160.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance XXXX XXXX {$24000.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX {$2800.00} ; XXXX XXXX XXXX Balance Owed : {$5000.00} ; XXXX  XXXX Balance Owed : {$8400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX Owed : {$160.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: Navient Solutions, LLC.
State: MI
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 and XXXX, creditors reporting negative information on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: OneMain Finance Corporation
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
XXXX and XXXX XXXX signed contract with one main on XXXX XXXX for payment for XXXX each month. One main would deduct from XXXX XXXX XXXX XXXX each month.XXXX XXXX XXXX  One main financial increase Adding insurance without having XXXX permission increased payment to XXXX XXXX didn't pay and one main charge XXXX late and extra interest because XXXX didn't know about the increase.. XXXX XXXX XXXX One main tried to deduct XXXX instead of the XXXX contract stated. XXXX didn't agree to XXXX only XXXX now one main is causing damage to XXXX and XXXX XXXX credit report XXXX and XXXX and XXXX XXXX had the XXXX in account for one main amount that was agreed upon with contract that was signed.XXXX XXXX amount owe..One main.. and not XXXX if insurance was added without XXXX agreed upon. So One main added so they need to pay .. and waive all late and late interest from XXXX and XXXX XXXX account. And XXXX and XXXX  and XXXX now.. if this continues to happen XXXX can't afford extra XXXX amount. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am beyond frustrated with the run around and lack of follow up from AES. I have been going back and forth with Customer Service Representatives from AES since the summer of XXXX when I was first made aware of the fraudulent activity on my student loan account. I have since then been in contact with them every 2-3 weeks following up on the status of the distribution of the checks that were fraudulently cashed by god knows who. I have provided all the documentation they request and then when I think progress is being made they ask for more documents or a Police Report? Seriously, you are requesting a Police Report when this incident occurred in XXXX? Why didn't they advise me of the needed police report back in XXXX when I first reported this to them. 

I feel as if they are giving me the runaround because their bank refuses to refund a clearly fraudulently cashed check. I have given them everything they need in order to determine which reimbursement checks were cashed by me and which weren't. I have submitted affidavits that have been legally notarized and nothing. 

I recently received 2 out of the 6 checks reimbursements. Today, XX/XX/XXXX I called to follow up on the pending 4 checks and they inform me that they are not showing any outstanding check distributions pending. 

I informed them that I have yet to cash the first two being that I want to ensure this matter is closed once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: FORD MOTOR CREDIT CO.
State: MS
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:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: International Computer Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX took an easy route and transferred my tenants debt to me, the landlord. 
I have tried and tried and after even confirming with XXXX themselves that the debt is not mine and that XXXX XXXX would pay, they still put the debt in collections. 
When I called XXXX they tell me to call collections. When I call collections they call me to call XXXX. 
I e sent all documentation to clearly show this is not my debt. Yet they still want me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I had a conventional loan with Wells Fargo. Wells Fargo added XXXX mortgage insurance to the loan. XXXX times I requested that they drop the mortgage insurance because my loan amount was less than XXXX XXXX of the home value. Wells Fargo refused everytime. We paid this XXXX  for over XXXXXXXX XXXX all the while my payments continued to go up every XXXX because of the taxes on my escrow. The value of the house was XXXX  what the loan amount was. Ultimately my family could no longer afford to live there and had to sell our family home. I believe Wells Fargo should be liable for every XXXX  I spent on 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 2023-02-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am still having issues with this mortgage loan servicer asking for more information for loan modification application. I been compliant now they are asking for additional bank history which already been supplied. And as of today XXXX.2023 the loan servicer is confused on my bank account number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Crown Asset Management LLC sent me a debt collection letter approximately in XX/XX/XXXX with no account number or amount number or any information about to whom this debt is owed to. Sent Crown Management a debt validation letter approximately on or about XXXX asking for debt validation. I called the company to find out more information and the person hung up on me. I followed up with a second request for debt validation letter. In retaliation, this company files a lawsuit against me on XX/XX/XXXX in XXXX XXXX, Chicago, Il without ever validating the debt. This company also lied to the courts stating I was served with court papers and I never was. I was never properly notified, I only find out about this debt and lawsuit due to consumer debt lawyers contacting me about a lawsuit filed against me, that is how I found out about the lawsuit. Crown Asset management did not provide adequate proof that this debt is theirs and I did find out who the original creditor is and there is at least 5 other creditors trying to collect on the same debt. The original creditor did provide me with the correct name of their debt collector and it is not Crown Asset Management LLC, they have fraudently filed a lawsuit against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX started contacting me during the national pandemic to collect a 16 year old debt from Bank of America.

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 2023-11-07
Company: Experian Information Solutions Inc.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-11-07
Company: Experian Information Solutions Inc.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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  has violated my rights. Or list of inquiries 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 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-12-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
EQUIFAX IS VIOLATING MY FCRA RIGHTS FOR ALLOWING THIS ACCOUNT TO CONTINUE REPORTING ON MY CREDIT REPORT. XXXX XXXX XXXX THIS ACCOUNT HAS BEEN CHANGED MULTIPLE TIMES, DUE TO MULTIPLE REPORTING ERRORS. THE FCRA CLEARLY MENTIONS ALL INCORRECT ACCOUNTS BEING REPORTED MUST BE REMOVED. THE FOLLOWING ACCOUNTS ARE BEING REPORTED INCORRECTLY AGAIN AND MUST BE REMOVED : XXXX XXXX XXXX BALANCE {$7700.00} EQUIFAX CHANGED THE INFORMATION 5 TIMES AND IT STILL NOT CORRECT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: NC
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:
I am a natural person, I am a living human being. I have rights under 15 USC 1681. 
I told Equifax to reivestigate these accounts. However, they stated everything was accurate. How can that be if the open date, date of last activity and much more is incorrect. 

Equifax is govern by 15 USC 1681. And they have violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax, written permission to furnish these accounts. 

According to 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 or has reasonable cause to believe that the information is inaccurate. 

Accounts are as follows : XXXX XXXX ; opened XX/XX/XXXX {$6100.00} XXXX ; opened XX/XX/XXXX XXXX XXXX XXXX ; opened XX/XX/XXXX XXXX XXXX XXXX ; opened XX/XX/XXXX XXXX XXXX ; opened XX/XX/XXXX XXXX XXXX ; opened XX/XX/XXXXXXXX XXXX ; opened XX/XX/XXXX FTC Report XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: NC
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 and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-29
Company: EQUIFAX, 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:
To whom it may concern, I reveiced a copy of my XXXX and XXXX  report and notice that XXXX Is still associated on my credit report, Attached is proof that this account has been deleted from my XXXX  and XXXX. And no longer reports as valid. I've sent several letter to Equifax and ftc report To have this account removed, because it don't belong to me. I've also sent follow suit letter to Equifax. The account still still shows inaccurate. With this account on my profile its not showing my true credit history. I contacted Equifax countless of times. To have this account removed. I've attached my credit report to show where XXXX and XXXX removed the account from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX are reporting inaccurate information on CAPITAL ONE. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My client requested our services to help them with credit reporting errors and debt collections. My client had submitted a fax through our office for a collection activity from Convergent Outsourcing. This letter was sent on XX/XX/2021. Please see fax confirmation and letter attached. 

As of today XX/XX/2021 my client still has not received a response as allowed under the FCRA. Under the FDCPA regulations the collection company Convergent Outsourcing is in violation for failure to reply to my clients lawful request. 

This incorrect reporting is causing damage to my clients credit on all three credit bureaus. 

on XX/XX/2021 my client called Convergent Outsourcing at XXXX. Customer service representative claimed they could not find his information when giving his last four numbers of his social security number, last name, phone number. Than the representative just hung up on him once requesting why no response since sending his letter on XX/XX/2021.

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 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I reviewed my consumer report and noticed that i was never late for the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that i have included a screenshot inside this complaint in on XX/XX/23 thru XXXX.please investigate and provide proof with statement showing that these payments were late. if proof can't be provided, I demand these payments be updated to pay as agreed on time as they should be due to the fact I was never late. 
Thanks! please see screenshot attached.

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 2023-09-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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