BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. section 2,3 5 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 record of comradiarmac which 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 XXXX 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. Also the inaccurate information on my names and addresses Ive disputed to no avail. Multiple hours spent calling all 3 agencies and nothing. Disgrace to Me as a Human and The Consumer Laws that Protect Me. 

Accounts : XXXX $ XXXX XXXX $ XXXX XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX hard inquiry XXXX XXXX XXXX  XXXX Hardy inquiry XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX All Hard and Soft Inquiries Must Go as I have No Written Permission Period All My Right Were Vilated Under Laws 15 USC 1681 Section 6060029

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 2021-10-20
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/XXXX, XXXX XXXX  an email was received : " This complaint appears to be about the same issues as a complaint weve already processed for you. The complaint number for the complaint weve already processed for you is XXXX. This repeat complaint is now closed. There will be no further action on this complaint. '' Background is : On XX/XX/XXXX complaint XXXX submitted to the CFPB requesting confirmation from Experian that they will not be willing participants in the XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX Experian responded to complaint XXXX please note that an investigation may take up to 30 days. Upon completion, the results summary will be provided directly to you for review. To escape responsibility Experian closed complaint XXXX. On XX/XX/XXXX complaint XXXX submitted to the CFPB requesting : AS the Experian XXXX 30 day results summary, promised before XX/XX/XXXX, has not been received please provide in response to this complaint. On XX/XX/XXXX Experian responded to complaint XXXX : They ( XXXX XXXX  ) responded and verified that the disputed information was accurate as reported, however, they may have updated other aspects of the account. The result summary was sent to you for review on XX/XX/XXXX. Experian knowing the true facts contradicted its response again manipulated subversion of the true facts as reported by XXXX XXXX  XX/XX/XXXX and closed XXXX. On XX/XX/XXXX complaint XXXX submitted to the CFPB requesting : Experian 's XX/XX/XXXX response to CFPB XXXX disingenuously asserted : " ... The result summary was sent to you for review on XX/XX/XXXX ... '' This represents the 3rd request for the XX/XX/XXXX alleged " sent '' result summary which presents as never having been sent by Experian as they persist in avoiding my receipt and read of the XX/XX/XXXX summary result report. On XX/XX/XXXX CFPB knowingly cooperated with XXXX fraud ( contradicting true facts as reported by XXXX XXXX XX/XX/XXXX ) ; further suppressing XXXX refusal to provide its XX/XX/XXXX result summary and closed XXXX. You asked : What would be a fair resolution to this issue? My response was : If this is not intentional malfeasance, please respond with the alleged XX/XX/XXXX result summary that has NEVER been mail, or otherwise received by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against them if they do not validate this account. Please follow the law to resolve this matter as soon as possible. 
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

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 2023-06-09
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A late payment for mortgage loan was reported in XXXX XXXX for my XX/XX/XXXX payment. This item is inaccurate due to the following reason : I made my payment for XXXX through the app as I normally do. Unbeknownst to be there was an issue in system. My payment information is saved in the system so that I can make my payment each month. Only one payment account was saved the system to make my payment.. As the app only show the last four ( 4 ) digits of the account you are paying from, which showed the correct four digits of my checking account. I made my payment as normal. Approximately 7 to 10 days later, on XX/XX/XXXX, I received notice that my XXXX payment was returned, and a person showed up to my house to make sure it was secure! I had more than enough funds in my account for my mortgage payment therefore I called LoanCare to get this resolved and discovered that there were two checking accounts listed in my loan account both of which had the same last four digits but not the same beginning account numbers. XXXX with account services assisted me in getting the payment made through the correct checking account, waived the retuned check fee due to the error by LoanCare then transferred me to XXXX in the LoanCare webservices division to get this resolved. XXXX worked to get the incorrect account removed but was unable to at the time. A request ticket was made to get this situation resolved, in the meantime I named the accounts good and bad so as not to get them confused for future payments until the bad was removed by LoanCare. 

LoanCare continues to deny my complanit and resolve the issue by simpliy removing the late payment on my credit report. This is ruining my report and causing issues for a potential job move. My conversation with XXXX XXXX, a LoanCare escalation XXXX, on XX/XX/XXXX told me it was my choice to use the app or web to pay my bill and that if the XXXX XXXX department has denied this then that it. Use another method. Even though none of this was my doing I was basicaly told it was my fault.I was given no other person to speak with. This was an internal issue with LoanCare 's systems that I never had a problem until that day now it my fault for thier mistake.

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hi for some reason you guys are saying my complaint isn't me. Here I am again fighting to get my complaint heard due to my rights being broken. It's been more than 30 days since I haven't heard anything from the credit bureaus. I have unauthorized credit accounts on my credit report that are false Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately

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 2021-10-20
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Transworld systems started calling me a few months ago. They never sent me any break down for the bill, so i asked them to cease and desist and not to contact me anymore. They continued to call me, and i ignored it at first. They were calling me incessantly. They have been calling recently for the last two weeks, and then they called me again last night. i told them they are in direct violation of my rights as i have already requested that they cease and desist. The guy mumbled into the phone, and then hung up on me. It made me super uncomfortable getting a weird call like that when im at home alone at night. Especially because this company is trying to use fake local numbers to get people to answer. This morning, they used the SAME spoofed local number to contact me AGAIN, right after i had just told them last night to cease and desist! I told the woman that last night i had requested again that they cease and desist, and i informed her that not only are they contacting me after i told them to cease and desist, but that they also contacted me at night which is SO inappropriate. I also informed her that this is now multiple times of me telling them to cease and desist. She tried to interrupt me while i was telling her how many times ive asked to cease and desist, but i repeated myself three more times, so that she heard very clearly that i was asking them to cease and desist. She hung up after that. I dont know whats going on with debt collectors these days, but the amount of rights that they violate because they are hiring untrained people who dont know basic FDCPA rules, are resulting in them violating my very basic rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: MOHELA
State: MN
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 faxed an application for student loan forgiveness under XXXX on or around XX/XX/2022. 

I received a letter confirming the application had been received late spring or early summer of 2022. 

In XXXX or XX/XX/2022 I was notified that my account was being transferred to Mohela. 

I created an account and logged into the Mohela site. The website has an option to check the status of your XXXX application. Every time I checked, there was no report. The website said it could not track my application. 

I called twice, including in XXXX and XX/XX/2022. After extended hold periods I was assured by a customer service representative on each call that they could confirm in their system that my application had been received however due to the program being so popular and a backlog of applications the website was taking a long time to update. 

I called today, XX/XX/XXXX, but after an extended hold was told by the first line of customer service that they had no record of my application. " XXXX never transferred it over. '' I told them this was contrary to what I had been told by Mohela staff on the two previous calls.

I have now been on hold for two hours as I'm told I'm being transferred to " a specific supervisor. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-08-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a bank account with USAA on somewhere around XX/XX/2023 in the amount of {$10000.00}. On XX/XX/2023 when my fund should have been available it showed me that my funds were currently unavailable. I called when the next business day they were opened. They informed me that I am under investigation for fraud. I asked them for what reason did they have to put me under investigation. That my accounts have been closed because USAA decided they do not want to do business with me. They said they could not tell me as it is an investigation. I called several times after that trying to get information or my money. They advised me there is nothing they could do and they don't have any other information other than my account was under investigation for fraud and I need to wait 60 days to get my money. I asked XXXX speak to a supervisor and they told me this was the highest I was going to get and the investigation department would not speak to me, they don't take calls. Reluctantly, I obliged because I had no other option. I called day 60 to make sure the process was moving along and request my checks. I spoke to a woman in the fraud specialist department on XX/XX/2023 and she told me yup they will be moving this along because the 60 days are up and the checks are being prepared today and would go out in the mail the next day which was a Friday. Here it is Monday XX/XX/2023 calling to check to see if the checks were actually mailed and they were not. Before XX/XX/2023, the fraud specialist people would not let me speak to a supervisor or escalate my call, but now the specialist told me she needs to escalate my call and then hung up. I am beyond mad. This company is lying to me first of all. When I spoke to that woman on XX/XX/2023, she told me that the institution that the funds came from ( XXXX XXXX ) are the ones who flagged the deposit as fraud. So of course I call them, their fraud department said I dont know why they would tell you that because we did not flag this as fraud. We even gave them a confirmation number. If there was a concern for fraud, they would not release the funds let alone give a confirmation number. Not only that, I started doing research and it seems like they held my money longer than there were allowed to. Also, they are telling me today that they checks were not sent and then they keep hanging up on me which is the third time I called.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX CBEGroup posted a collection on my credit report that they purchased from another collection agency ( XXXX XXXX XXXX XXXX  ), or they change name. Originally, I already filed a disputed back in XX/XX/XXXX. I stated that it was an identity theft. The collection was removed from my credit report. Now it shows up again with a different company. I called XXXX  directly to tell them that a XXXX XXXX individual that I shared the house with, stole my identity. I opened an account for XXXX internet, and that was it. I didn't open any account with mobile service. The police department can't do anything unless I can get some form of identification from the individual. The guy got evicted couple of years ago when I will living at the old house. There is no way to track him down or known his where about. I didn't know about until last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Bread Financial Holdings, Inc.
State: HI
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: Investigation took more than 30 days

Complaint:
Comenity Bank- Victoria Secret store card On XXXX I walked into the VS store and paid off my credit card in full with Cash. 

XXXX I received a statement with payment due + interest XXXX I spoke to an agent and submitted payment receipts through my VS account messenger. Agent said it would take 30days to investigate. All the while Im still receiving statements with late fees and my credit score is declining. 

XXXX called comenity and spoke to an agent. Was told to call back on XX/XX/23. Issue should be resolved. 

XXXX Called and agent said that investigation is taking awhile and wait for an email. They will take care of any/all late fees. Be patient XXXX Email received by XXXX regarding credit score dropped by XXXX due to this bill XXXX Emailed Comenity bank regarding this. Agent replied back they need an additional 30 days to investigate. 

The bill was paid in full on XX/XX/23. I have payment receipts proving I did so. I forwarded all necessary documents. But Im still being penalized for doing the right thing. I have worked hard to build my credit score.If someone could please help me get this issue resolved asap. Id really appreciate it. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, 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:
On these dates listed below I had unauthorized credit inquiries from the following companies on the following dates XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX CO XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX BANK XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXXL SERVICES XX/XX/22 XXXX BANK XXXX XXXX  XX/XX/22 XXXX XXXX  XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XX/XX/22 XXXX  XXXX BANK XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Affirm 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 status incorrect

Complaint:
I have filed an dispute with XXXX twice now. I also spoke with the company who reported the information. They admitted that the information was incorrect but I would have to wait 30 to 60 days for it to update. I have the chat messages as well as a statement from the company ( Affirm ). I did another dispute and attached my documents XXXX still didn't change the information. They said that it stands. But the information is wrong, the balance and late payments. I made two payments in XXXX, and my balance is way less then what they have reported to XXXX.

Company response to consumer: Closed with explanation