BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
According to the FDCPA, specifically 15 US Code 1692 ( c ) ; this is my formal declaration to terminate and cease all communication from you in regard to the debt you are attempting to collect. In response to the Ceasing Communication Notice, in accordance with the Federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will take place. Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication, confirming your acknowledgment of this letter, is in violation of the FDCPA. In addition, any third party that you use to coerce the collection of this debt shall also be in violation of federal law. If you do not cease communication a lawsuit will be commenced against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have tried and tried to log into my XXXX credit report over several dozen times over this past year and last year. 2022 and 2023. Every-time I have called and tried to log into my XXXX. XXXX and the other reporting Credit companies have failed to correct bad and faults information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: NJ
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:
Dear Equifax, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX XXXX. 
I have recently become aware that this account has been reported to your agency in violation of the Metro 2 credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: ADP Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been a XXXX XXXX and I received a wisely card with my direct deposits in XXXX. I worked through XXXX and got direct deposits on the wisely card. I have some direct deposit set up on my card but it is not my main card. On XX/XX/XXXX, I went to XXXX and attempted to make a transaction for XXXX $ and it was declined. Once I got into the car I went on the wisely app and immediately called the service line. There were 5 unauthorized transactions. XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, and XX/XX/XXXX XXXX. All transaction were unauthorized and none were flagged by the Institution. Customer services locked my card, issued another one and said I would receive a letter to dispute to help the investigation. I never received any such letter. On XX/XX/XXXX I filed a report with XXXX XXXX police department and received a case number. On XX/XX/XXXX I received a letter from wisely by Adp cardholder dispute department saying that the investigation is finalized and no credit will be issued. I immediately called the customer service department and they said I would need to write a letter to reopen the investigation. I spoke to XXXX and the call center is in the XXXX. I worked hard for my money and I would greatly appreciate if I can get it back!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: Experian Information Solutions Inc.
State: CA
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 sent dispute letters for the inaccurate accounts to be removed from my credit report on XXXX/XXXX/2019, XXXX2019,XX/XX/XXXX/2019, XXXX/XXXX/2019 and XXXX/XXXX/2019. However they never sent me documents to show me how they verified the accounts but per " XXXX XXXX. XXXX '' and it should have been deleted per Section XXXX XXXX a ) ( XXXX XXXX ( A ) ( i ). I also sent a letter with Section XXXX XXXX a ) ( XXXX ) ( A ) to show me the physical documents and they have not.

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 2022-10-21
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
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 PENNYMAC LOAN SERVICES ACCT # XXXX, has violated my rights. 
Under the Cares Act it states, If a consumer was current on payments and made special arrangements ( accomodations ) with the creditor prior to their loan being delinquent, creditors must report the account as current. PennyMac Loan services made special accomodations with me by providing me with a loan modification. While this was processed and approved they reported my loan late for the months of XX/XX/2022 and XX/XX/2022 which according to the laws mentioned above, is illegal and a federal violation as no late payments should have been reported.

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: DISCOVER BANK
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Discover Card XXXX, failed to uphold their due diligence in providing me the consumer ample and timely notification of required payments that are to be made to satisfy payment on the account and prevent it from reaching a late payment status, in XXXX of 2021 this account was placed with XXXX XXXX XXXX XXXX ( not a collection agency ) for repayment through payments through the service, thereafter upon checking my credit report, Discover Card reported this account as closed, regardless of the nature, I still agreed to be making payments to the service acknowledging the possibility it was still open. It was until examining my credit report a late payment remark of 30 days was made, I contacted Discover Card to please rectify the status in good faith as a mistake on both parties, me the consumer, and Discover Credit Card failing to make multiple attempts to either email me, call me, or send me a letter in the mail, the customer service team rather becomes defensive and argues then acknowledging any mistake, and that they send me paperless statement which I never receive emails from Discover Card or any late warnings. I am very disappointed and aggravated with the poor customer service I received from Discover Card 's inability to file an internal dispute toward my referenced above complaint to remedy the issue... and if you look back at the chat history it really frustrates me more then when I was late after the first billing cycle Discover Card didn't initiate any sort of contact to rectify the late status with my account...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Unauthorized withdrawals or charges

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated any rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 604 a section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the fair credit reporting act. The list of accounts below has violated My federally protected customers, right to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States that I have the right to privacy. 

15 USC 1681. Section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) sections 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 convictions of crimes which anti-dates 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 explanation
Consumer complaint received 2020-03-02
Company: EQUIFAX, INC.
State: TX
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:
ftc violatons XXXX  XXXX XXXX  equifax will not let me login to the accounts On XX/XX/2019, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about XXXX XXXX credit card customers and individuals who had applied for our credit card products.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
XX/XX/2023 I checked my online account with New American Funding and found a {$300.00}. fee charged and added to my XXXX payment. They applied {$14.00} from my excess principal I paid in XXXX which left {$280.00} added to my XXXX statement. i called the company and was told they received info about a bankruptcy and that was what the charge was for. I explained I had not had a bankruptcy, and they replied they had received the info including my loan number. After several minutes of being transferred around a woman told me I would receive an encrypted e-mail with information regarding this and I need a letter of relief from the attorney. My son had declared bankruptcy, but I did not understand why his attorney would involve me. My son is living with me do to hardship but is not on the loan and has nothing to do with my finances. I waited to hear and finally sent a certified letter to his attorney, he replied through my son that he had no contact with New American about me or my loan. 
The encrypted e-mail referred to " families banding together '' as presumptive reason for this {$300.00}. charge. Although any information regarding the legal basis for the fee was not included. Also no info as to whether this is a one time fee, an on going charge and a way to force me out of my .02875 % loan It took me several days to find an attorney with expertise in this situation to get an answer as to my questions. He said this is wrong, but hiring an attorney would be an prohibitive expense to take on a major company. He recommended I file a complaint with CFPB and contact my local government representatives. He said it was important, as I am probably not the only person dealing with this. I am sending the additional amount of the fee separate on a check with the notation disputed fee as per the attorneys recommendation to avoid New American calling me in default. 
I am including encrypted e-mail and XXXX loan statement showing the fee as attachments. The e-mail was an internal doc. with opinion and no legal basis. I was surprised to receive this as a justification.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, 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 non-monetary relief
Consumer complaint received 2023-08-29
Company: CrossCountry Mortgage LLC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Under the code 15 usc 166b I have to be notified 21 days prior for a late payment to be reported late. I was charged a late payment fee and a late payment was illegally reported on my credit report. I would like them to abide by the law and remove the late payment off my credit. I have asked to be sent FULL accounting and have not received FULL accounting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Nelnet, 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:
My account shows 8 late payments. My accounts has never been late and this is affecting my credit report with 8 late payments. My accounts was put into deffered and never late. Can you please have all these late payments corrected and put in paid status. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: TX
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 confidentially under 15 usc 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681 section 602 a state i have the right to privacy. 

15 usc 1681 section 204 a section 2 : it also states a consumer reporting agency can not furnish a account with my written instructions. 

15 usc 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 

15 usc 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a 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 explanation
Consumer complaint received 2023-02-03
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: Was not notified of investigation status or results

Complaint:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. XXXX is being investigated by the FTC

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 2023-08-30
Company: Incomm Holdings Inc.
State: IL
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I tried to use the card directly on merchant websites XXXX, kinguin.net, but that did not work. I then tried to use the card via XXXX but that did not work either. What is the point of having a gift card that you can't use? I called the company to register it but they just assured me it would work. They said that they did not receive any transactions and told me that I may have been entering the card info incorrectly. Tried to enter my card information multiple times and it still did not work. I then searched the web and discovered other people who have the same exact issue as me who never got their card to work. When I called back to get a refund they told me that it would take up to 2 months to receive a simple refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My family has been struggling to get our mortgage lender Fay Servicing to work with us to restructure or modify our mortgage loan. Despite dozens of submissions over the last few years we are never able to get a decision. Our mortgage loan is backed by XXXX XXXX and we know there are many programs available for distressed homeowners by offering loan modifications, recapitalization of arrearages, deferring delinquent interest, extending the term, flex modifications or repayment plans. We have had a change in financial circumstances as we now have a tenant in our upstairs unit and believe that Fay Servicing has failed to conduct a review of our ability to pay and loss mitigation options based on this change. We are also concerned that Fay did not offer the CARES act forbearance program to our family, which is required for XXXX XXXX  backed loans if the homeowner was impacted by XXXX and Fay is supposed to provide options BESIDES full reinstatement to restructure the loan. We filed XXXX XXXXXXXX  XXXX because Fay refused to come to the table, but the judge in our case told us that he no longer would allow any modifications in his courtroom and now the bankruptcy is dismissed. We are concerned that Fay and XXXX XXXX will soon auction off our home we have owned since XXXX and not even give us the opportunity to be reviewed for assistance options. We have been told that Fay and their Attorney may be in violation of the recently passed New York Foreclosure Abuse Prevention Act. The original judgment for foreclosure was issued in XXXX but that ruling had the incorrect block, lot and section number. The lender filed a motion for an amended order of foreclosure based on the correct information which was rubber stamped by the court. The new law passed in NY in XXXX XXXX is meant to stop this type of abuse by the court and in this case the statute of limitations has expired and the language explains that the original filings are no longer valid and that the process has to start over. We hope that Fay and XXXX XXXX follow the loss mitigation guidelines and the CARES rules and also the new statute S5473 in New York and that we are given the opportunity to retain our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: LA
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.

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 inructions 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