BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Transunion, XXXX, and XXXX continue to report inaccurate information that is damaging my consumer report. 

DEPTEDXXXX  Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 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. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-03-27
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is an issue where the bank is not protecting my information. I have a mortgage with Mr. Cooper. My mother has been gaining access to my account, I have put them on notice several times asking for extra security measures to be placed on my account to keep my private information safe, they have failed to protect me and today again I was alerted my mailing address changed. 

My mother called in and tried to get a line of equity loan out, they continually proceed to release my private and personal information and I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX XXXX there were XXXX hard inquiries on XXXX. 

I called XXXX. The XXXX hard inquiries were related to my victorias secret master card. Comenity bank vsmc XX/XX/2023 XX/XX/2023 XXXX XXXX shows no information on their end that would lead to hard inquiries or fraud behavior. No new accounts in my name. Nothing in other regions. No requests for increases. No changes in account that would lead to hard inquiries. The account is active. 

Called XXXX back to tell them this. They said there is no mistake for the process leading to hard inquiries. They asked who I spoke to. I said I spoke to both disputes and fraud from the number on the back of my card. They said the hard inquiries through comenity bank XXXX  was for this number : XXXX and to contact them I call back comenity bank to ask if that number is associated with them or anything related to my accounts. The said it was not associated with them in any way. 

After some back and forth between XXXX and XXXX, setting up fraud alert and security freeze I called the number ( number protected ) XXXX to see what this number is associated with. The call rings repeatedly then says, " call busy '', gives the busy tone and ends automatically. 

Because the number is not associated with comenity, is on the XXXX report, is able to pull hard inquiries but isn't an official business contact number this is fraud. I don't know if my identity is safe. My information is clearly accessible. And it's at a level that XXXX and my credit card company are also confused. Please look into this phone number and how this could happen. Also, if the hard inquiries are related to something we aren't seeing at this time. We obviously aren't seeing the whole picture but something is here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 dispute and request corrections for the following inaccurate information on my TransUnion credit report, as of XX/XX/XXXX : The account listed as XXXX, XXXX. ( Account Number : XXXX, Open Date : XX/XX/XXXX, Credit limit : {$900.00} ) is not mine. Kindly remove it from my credit report. 


XXXX XXXX XXXX XXXX XXXX account ( Date Opened : XX/XX/XXXX, Reported Balance : {$2300.00} ) is reported incorrectly. I dispute the reported balance of {$2300.00}, as I remember it to be lower. Additionally, the Past Due amount should not be reported, as this account is closed and charged off. Please mark this account as disputed to prevent its impact on my credit score. 


XXXX XXXX XXXX XXXX XXXX  account ( Date Opened : XX/XX/XXXX, Reported Balance : {$680.00} ) contains imprecise information. The reported balance of {$680.00} is higher than I recall. The Past Due section should be cleared, as this account is closed and charged off. I intend to discuss the discrepancies with the creditor. Until the necessary corrections are made, please mark this account as disputed. 


I request verification of the XXXX XXXX account ( Date Opened : XX/XX/XXXX, Reported Balance : {$6300.00} ) due to inaccuracies in your reporting. I dispute the reported balance of {$6300.00} and believe it to be lower. Additionally, the Past Due amount should not be displayed, as this account is closed and charged off. Please mark this account as disputed while I work to resolve the dispute with the creditor. I also request verification of the Date Opened, Date of Status, and First Reported.

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
To Whom It May Concern, I am writing to formally dispute the accuracy of information on my credit report provided by TransUnion. This dispute pertains to their claim of verifying my credit report through the bankruptcy courthouse when, in fact, they utilized a third-party company, XXXX XXXX XXXX for this purpose. 

On XX/XX/2023, I requested a copy of my credit report from TransUnion, as is my right under the Fair Credit Reporting Act ( FCRA ). Upon reviewing the report, I noticed discrepancies in the verification process. TransUnion stated that they had verified my bankruptcy status through the bankruptcy courthouse. However, after conducting my own investigation, I found that this information was inaccurately represented. 

I have evidence to support my claim that TransUnion did not contact the bankruptcy courthouse for verification, but instead relied on data obtained from XXXX XXXX. This raises concerns about the accuracy and integrity of the information contained in my credit report, which can have significant implications for my financial well-being. 

I kindly request that you investigate this matter thoroughly and take the necessary steps to ensure that TransUnion rectifies the inaccuracies in my credit report. I believe it is essential to maintain the highest standards of accuracy and transparency in credit reporting to protect consumers ' rights and financial interests. 

Enclosed with this letter, please find copies of the documents that support my claim, including correspondence with TransUnion and any relevant proof of their reliance on XXXX XXXX for verification. 

I appreciate your prompt attention to this matter and your commitment to upholding the rights of consumers in matters of credit reporting accuracy. Please inform me of any further actions or documentation required from my end to facilitate this investigation. 

I requested that the translation service provide evidence and confirmation of their direct communication with the courthouse. However, they failed to do so. Furthermore, they neglected to rectify the situation despite the presence of an erroneous name, " XXXX, '' on the bankruptcy record that does not correspond to my own. It is important to note that my name is not " XXXX, '' but rather " 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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : 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 2023-11-21
Company: JPMORGAN CHASE & CO.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Delays with the closing process

Complaint:
I filed an insurance claim in XXXX. I received the claim check in XXXX. I endorsed the check from XXXX XXXX and sent it to XXXX XXXX. In that time XXXX XXXX sold my loan to Chase Lending. I sent in the endorsed check XX/XX/XXXX. The loan transferred XXXX. I specifically asked if it would be an issue to receive the check back from them since they were selling the loan. They said no. After XXXX business days passed after XXXX XXXX  received my check I called to check on the status of the check because we needed to replace the roof from hail damage. XXXX indicated that they now have nothing to do with me since Chase took over the loan. I called Chase Lending. They told me it was XXXX XXXX 's problem. Caught in the middle I made many phone calls night after night trying to get to the bottom of the situation. After weeks of phone calls Chase and XXXX XXXX  got on the phone together with me. XXXX told Chase that the check was sent to them the week before. Then a week later, after it had not yet been received I called both of them back again. Finally XXXX XXXX  provided a wire transfer number that occurred XX/XX/XXXX. I gave this information to Chase. Chase researched this and told me they had no such record of the transfer. Here we are XX/XX/XXXX and I still have no resolution. The roofer installed the roof and completed the work XX/XX/XXXX. He is requesting payment and I still have no check back from either of the mortgage companies. Everytime I call I get the same answer, that they are working on it. I do not know what to do. I feel like they essentially stole the money and are refusing to accept responsibility for the misplacement or loss. Please help me. It is a lot of money and I can not continue my insurance claim until the check is received and the home requires more repairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Nelnet, Inc.
State: FL
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:
During the summer of XXXX, I consolidated five loans with Nelnet to XXXX. The five loans were the amounts of {$8700.00}, {$11000.00}, {$10000.00}, {$6000.00}, {$5100.00}, for a total of {$41000.00}. My loan with XXXX included the above amounts and outstanding interest of {$4100.00} for a grand total of {$45000.00}. The loan I am paying with XXXX is {$46000.00} before interest but covers all amounts mentioned above and I was assured that Nelnet was paid off completely. I then logged in shortly after and monitored months later and for years after I had a XXXX balance, which lasted for five years until a couple of months ago when a balance appeared in my credit monitoring app. 

That did not make sense to me and I assumed XXXX would take care of it since I am five years into my ten-year loan. I was shocked when I received a bill from Nelnet with an XX/XX/XXXX due date for the last two loans in that group, ( {$6000.00} and {$5100.00} ). I first called XXXX and a ticket was created to investigate the issue. Then I called Nelnet but could not reach anyone and was on hold for over 2 hours. I sent an email to the XXXX address explaining the above and have been calling since then but no one answers the calls. 

I have been assured by XXXX that they are trying to get to the bottom of this issue but they are not able to view any data before XXXX. Nelnet is still showing past due for loans that were paid five years ago and it is affecting my credit. I have all the documents and provided to both parties that both these loans were XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/2023 I received and paid off a bill on my visa card issued by Bank of America in the amount of XXXX. On XX/XX/2023 I received a bill of XXXX  which included XXXX I charged on XX/XX/2023 plus an interest charge of {$0.00}. I am attaching the bills for XXXX and 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 monetary relief
Consumer complaint received 2023-08-19
Company: Experian Information Solutions Inc.
State: AL
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:
On XXXX XXXX I filed a complaint to update my personal information and I provided all documentation needed to verify who I am. The complaint # XXXX has taken more than 30 days and the issue is not resolved. Below I have attached documents to show what information should be updated or 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 2023-08-19
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX was charging fees that i disputed and if reversed would have settle my account. Instead, they reported me to the credit bureau while accounts were in dispute and refuse to correct that information. I am asking that the adverse reporting be removed from my credit reports. They have since refunded the amounts in dispute but that alone has not been accepted by the credit bureau. When i dispute the reporting and submit the checksa nd documentation supporting the dispute I am directed back to XXXX XXXX for correction.

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: 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:
This is the second time I make this request the following two accounts I do not recognize and I suspect they are the product of identity theft, I have already inquired directly with XXXX but they have not been able to furnish me with any proof, the accounts in question are : XXXX XXXX {$2500.00} XX/XX/2019 XXXX XXXX XXXX These items were once removed from Experian and XXXX but they have put them back, I know theres a law that forbids credit bureus from doing this. I need accountability here, that is why I am filing this report. 

I am attaching a copy of a complaint I made last month.

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 2023-08-19
Company: Experian Information Solutions Inc.
State: IL
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:
After currently reviewing my consumer report, its has come to my attention that the financial institution XXXX XXXX XXXX XXXX failed to conform with applicable statutes such as the Truth and Lending Act, Gramm Leach Billy Act, Consumer Protection Act, and the Federal Reserve Act upon the consummation of this consumer credit transaction. XXXX XXXX  has engaged in unfair and deceptive tactics. As a result of their inequitable conduct, I have made an uninformed decision extending credit to XXXX XXXX XXXX XXXX because my consideration came with no benefit. Furthermore, in accordance with the Federal Reserve Act, XXXX XXXX XXXX XXXX failed to disclose to me that my application was the secured collateral tendered as the payment for the full amount of the consumer credit transaction. XXXX XXXX XXXX XXXX also failed to disclose that collateral offered would be in check form such as draft, or bill of exchange for acceptance, and to have drawing rights as the payee to receive, and to exchange as presentment, for payment to the principal balance on the account for my benefit. As a result of the lack of disclosures. All previous payments have been unduly paid out to XXXX XXXX XXXX XXXX. I have sustained multiple damages due to the deceptive and negligent actions by XXXX XXXX XXXX XXXX. Their failure of not fully informing me and providing pertinent disclosures regarding the use of my credit and withholding how I can exercise my right to privacy to protect my personal information, has affected my credit worthiness, credit capacity, character, and general reputation. These improper actions have resulted in unfair credit billing, credit reporting, and abusive collection practices. 


This notice is an attempt to exercise good faith that the bureau of the CFPB will enforce the violations associated with this transaction and to protect me from the illegal practices by this financial institution. These are direct violations of the Truth and Lending Act, Consumer Protection Act, the Federal Reserve Act and the Gramm Leach Bliley Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: NAVY FEDERAL CREDIT UNION
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:
On XX/XX/2023 and XX/XX/2023 I contacted XXXX via correspondence by mail to remove XXXX XXXX, XXXX and Navy federal Credit Union off my Credit Report. I have contacted each company twice by a formal letter and over 10 times for each company via phone. I was a victim of identity theft and also provided all documents each company requested ; including the identity theft reports. I have provided the burden of proof numerous times and nothing has been done. As a result, I was released from my job do to these reporting on my credit and have been denied for 2 jobs. I am a XXXX in the XXXX XXXX. I have been denied for 3 homes for my family and myself. Law.states : As per the Fair Credit Reporting Act, Section 609 ( a1 ) ( A ), it is required by federal law to physically verify the original signed consumer contract for any accounts posted on a credit report This verification process is essential to prevent fraudulent accounts from being included in the reports. especially since individuals pay for these reporting services I have demanded multiple times to see verifiable proof ( i.e. : an original consumer contract with my signature on it ). Not one of these companies have complied and sent proof. This is my last attempt to demand these accounts are removed. If not, I will be suing each company and each credit bureau seeking maximum damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: In progress