BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) 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. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Address XXXX XXXX XXXX XXXX XXXXXXXX, GA, XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses : XXXX XXXX ESTATES TER, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please delete these outdated addresses and update the address with the one above. 
Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and 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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am formally disputing the accuracy of the information pertaining to the listed accounts on my credit report. Upon identifying discrepancies, I proactively contacted the creditor to seek validation of the debt. Regrettably, the creditor failed to provide any substantiating documentation. My primary concern revolves around the misrepresentation of the account in question, falsely categorized as a late payment account. I insist on the provision of concrete evidence supporting the claim of late payments. In the absence of such evidence, I demand the immediate removal of the negative payment status associated with this account from my credit report. Account Details : XXXX XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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 2023-02-15
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX of XXXX, i was unlawfully discriminated against an provided a horrible customer experience by wells fargo and its representative agent. i did in fact apply to refinance my mortgage loan, which i was qualified to do so. wells fargo and its representative did not allow me to refinance my mortgage loan despite the fact i was qualified to do so. The wells fargo representative kept requesting i re send the same documents over & over. Even going as far as to speak with an request information from my supervisor at my job. This process went on for weeks. After a couple of weeks of disparate treatment discrimination. I found another lender, who i sent the exact same information, who then approved my refinance loan in 3-5 days. After my approval with this other lender, the wells fargo rep was still calling me an requesting i re send documents that had been sent at least 5 times. i requested this matter to be escalated at wells fargo and never heard back from them until i placed a call XX/XX/XXXX, And was told there was not anything that can be done.

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 2023-12-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was seeking to buy XXXX XXXX tickets as a gift. Went on line to XXXX to buy the tickets. Once the information was uploaded I get this thank you for your purchase. I immediately noticed an extra {$450.00} service fee. I contacted the company on their website and submitted they remove that charge since I did not agree. An email stating that was the typical service charge. I. Said I am not going to pay that charge since all the work was done on line with no human was involved. I immediately contacted USAA to dispute the charge when it comes in. USAA disregarded my request and pay them. Again I explained in a phone call that 1 ) I requested cancelation 2 ) Requested USAA dispute the fraudulent charge and reverse the charge. USAA paid XXXX and withdrew over {$2000.00}. Leaving my bank card in the negative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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: Account status incorrect

Complaint:
This is XXXX 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: Closed with explanation
Consumer complaint received 2018-02-21
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am currently on the Income-Based Repayment program with my lenders ( XXXX, XXXX XXXX ) regarding repayment on my federal student loans. Due to my large amount of financial obligations for private student loans, my payments have been very low, approximately $ XXXX/month. Now Nelnet has increased my payment over 8 times to $ XXXX/month. 

I can not afford these payments and this new payment schedule does not accurately represent my income nor does it make it easy for me to repay a loan that I can not afford. 

I was not able to find a well paying job and recently my income dropped substantially when I changed employers. 

I need help. XXXX does not wish to assist me with this and so I am filing a CFPB complaint in the hopes that my IBR gets adjusted so that it accurately reflects my current income situation. They believe that my income is much higher than it is because XXXX is not considering private student loans which is a mistake that XXXX XXXX does not make.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24
Company: MOHELA
State: WA
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 contacted Mohela in XXXX to ensure that I had active in-school deferment. They processed my request and issued a message that my in-school deferment was active. In XXXX, an automatic debit of {$280.00} was taken from my checking account, thereby overdrafting my checking account on the Monday before XXXX. On calling, I was informed that my in-school deferment expired on XX/XX/XXXX, thus my account was in repayment and I was debited on XX/XX/XXXX. I was told that I would need to find and download the in-school deferment form and have my school complete it. I was also told that the refund for this debit would take 7-10 business days to approve and process, and that no overdraft fees would be reimbursed. I asked how my account was setup to autodebit when I had never set this up on my accountnot only did I not sign up for this service, I never provided them with my bank details. They could not tell me how or why this was done without my consent. In fact, the Resolution Specialist requested a copy of my bank statement to show that my account was overdrafted due to this erroneous debit. 

After XXXX days, my account is still listed as in repayment and I have received no messaging or confirmation that I had been placed on deferment or that my refund is processing. I am concerned that their debiting process will continue to be an issue and I question its legality. I have not had an autodebit for student loan repayment setup since the servicer I had in XXXX. That was XXXX servicers agoI have been moved from XXXX then to Mohela since then.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXXXX/XX/XXXX acc # XXXX XXXX XXXX which was said to b opened XX/XX/XXXX XXXX 2022 has violated my rights. 

15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
I have addresses and telephone # s and names that do not belong to me reporting on my credit report I had fraud and identity theft I will be sending a copy of my identification of where I have resided for the past 15 years I will like them to be deleted from my credit report please

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 2023-08-14
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
US Auto close down in XXXX. I was not aware of the close until late XXXX because I could still pay my car note through the website until I went in to pay on XX/XX/XXXX and I could not due to the website being shut down. 
I never received a notice from US Auto or from Westlake informing me that Westlake will be taking over my account. I received a phone call from Westlake stating that they were a debut collector trying collect a debut. I didn't know what they were speaking about because they never said they took over my account. When I was finally speaking with some I could understand he told that they had my account that I needed to pay them. He stated that they sent an email. I had him on the phone while I search my emails to find the email they had sent. Never found the email so he said he would send another which I never received. I told him that I understand what he was saying but I needed something showing me what he was saying. There are many scams out here and I wanted to be sure that I wasn't getting scam. He verified my email and said he would send it. I never got it. Then I started getting these emails saying payment due. It has a portal for you to open up but you can't open it unless you have account number which I didn't have. When I tried to speak with someone on the phone it wasn't English. I notice that the total amount on the email they are sending is XXXX XXXXXXXX. That was when I first got the car. I been having the car Since XX/XX/2022 and now they want me start over. They towed my car with a breakdown total amount due XXXX late fee XXXX and towing fee XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to inform you that I have been a victim of identity theft. As per FCRA Section 605b, it is mandatory for you to remove/block any account listed on an identity theft report. I have attached the necessary documents to assist you in blocking the erroneous information that is being posted on my report. I would like to bring to your attention the list of accounts that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX Opened Date : XX/XX/2018 Balance : {$100000.00}. Please remove these accounts ASAP. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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 2019-09-14
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am a Veteran, my income is {$2000.00} a month. I have XXXX children, rent, bills etc. Sallie Mae is not allowing me to lower monthly payments or even delay payments based on my income. 

I believe Sallie Mae is systematically and illegally setting me up for failure in repayment - they are giving me the run around, putting obstacles in the way to prevent repayment and has failed to act in my complaint - in an effort to make me pay much more than what my loan really is. 

I am facing unemployment or other financial hardship, and applied for a XXXX  - XXXX   XXXX XXXX and an alternative repayment plan for modification of loan terms. No income-driven repayment plan was provided to make my student loans more affordable. I bring in {$2000.00} a month, I am a single mother of XXXX children, my rent is {$1500.00} - I am struggling right now. 

Sallie Mae , Inc. has not gone through every stage of repayment for both private and federal loans and are making my student loans more difficult and costly for me. No notices are sent to me and I have accrued interest to my principal balance, lost protections, - there is no loan forgiveness. Sallie Mae , Inc. has harmed my credit and I am a XXXX borrower - an XXXX veteran, whose XXXX is connected to my military service yet have not been given loan forgiveness under the federal XXXX and XXXX XXXX discharge program. Sallie Mae , Inc. said they would remove all adverse information about the defaulted loan from my credit report and I believe Sallie Mae , Inc. is in violation of the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collections Practices Act and I have been harmed due to Sallie Mae , Inc. 's illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-05
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-08-14
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I request the removal of the late payment remarks and an update to reflect the accurate status as current or paid as agreed.

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Delete this account from my records because it is not mine, and I am genuinely upset to see it on 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 non-monetary relief
Consumer complaint received 2019-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
From XX/XX/XXXX-XX/XX/XXXX I had leased a vehicle from XXXX. My leasing company was XXXX financial. I had a 36 month lease term, with automatically deducted bill pay. When my payments were concluded, I received an email stating that all payments were received, and I had completed my final payment in the series. XXXX reported me late during the months of XXXX and XXXX XX/XX/XXXX, however I did not have payments due for those months. Throughout the month of XXXX, I called on three separate occasions to verify if I owed any additional payment, and to clarify that I could simply drop the vehicle at the dealership. I was told that I was current on payments, and confirmed to drop of the vehicle. 

The credit reporting error came to my attention on XX/XX/XXXX I called XXXX, spoke to XXXX and her supervisor XXXX, employee # XXXX on XX/XX/XXXX. I was told that yes, in fact this was an error, as no payment was due at this time, and they would be removing the marks from my credit. 

I disputed with all 3 credit bureaus for the late payments reported in XXXX and XX/XX/XXXX. XXXX removed both marks in XX/XX/XXXX. 

My credit report on XX/XX/XXXX showed that Transunion removed XXXX but kept XXXX, XXXX removed XXXX but kept XXXX. When I checked my dispute status with Transunion, it shows n/a for both completed and results. 

Additionally, my XXXX page shows the wrong Fico score for the other three bureaus, which seems to account for the XXXX payment being removed from all 3. 

I would greatly appreciate your assistance to encourage XXXX   and Transunion to update their reports.

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 2023-11-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of 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