BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 agreement with the Fair Credit Reporting act. The List of records underneath has abused my governmentally safeguarded customer privileges to security and classification under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX I Do Not Live There. 
Address XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX The accounts listed above have disregarded my rights. 

15 U.S.C 1681 area 602 A. States I reserve the privilege to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It additionally expresses a shopper detailing office can't outfit a record without my composed instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no customer revealing office might make any purchaser report containing any of the accompanying things of data Any other unfavorable thing of data, other than records of convictions of wrongdoings which precedes the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) An individual will not outfit any data connecting with a purchaser to any customer detailing organization assuming the individual knows or has sensible reason to accept that the data is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-10
Company: CITIBANK, N.A.
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: Personal information incorrect

Complaint:
On XX/XX/XXXX2020 an account was opened and I was approved for a line of credit. XX/XX/XXXX I order a cease and desist and a letter to verify who is the original creditor, but I received no response. I also sent an sent an invoice with federal law violations that Best Buy violated and never received a response. Also my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer 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 2023-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I, XXXX XXXX mailed my Goodwill Letter to Kohl 's Department Store on XXXX and never received a reply. Then I submitted a complaint through XXXX on XXXX and never received a reply from Kohl 's. My Goodwill Letter request was for Kohl 's to remove the late payment history or at least add my reason as to why I had late payments on my credit report and that not one late payment was intentional. I have attached my son 's admit and discharge date paperwork from XXXX 's XXXX XXXX XXXX, my Goodwill Letter to Kohl 's Department Store, and an image of my XXXX complaint. 
I am requesting that at least the reason why my payments were late was due to forgetfulness due to my son 's XXXX Infusion and recovery if Kohl 's will not remove my late payments from my credit report. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX Home Phone XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX, US Bank Home Mortgage agreed to modify my mortgage related to the XXXX act. They agreed to a new loan term, interest rate and " forgiveness '' of the interest charges during the COVID forbearance period. They sent a legal loan modification agreement by mail. I received this document on XX/XX/2022. Per the instructions, I took the document to my bank and they notarized my signatures. I sent the document along with the required payment ( due on XX/XX/XXXX ) next day air on the morning of XX/XX/XXXX. 

I called US Bank to let them know the document is in transit. After many representatives and 2 hours on the phone, I am being told that they will reject the agreement due to the document not being received by XX/XX/XXXX. They then tried to get me to agree to a different loan modification agreement that adds {$10000.00} and a 1.25 % higher interest rate to the loan modification, which is more than my current rate. I was obviously very upset after this interaction. Fortunately I had made a copy of the packet. I re-read the cover letter of the contract which includes the term, rate, and payment due and it clearly states I have 30 days from receipt to return the loan modification agreement, which is dated for XX/XX/XXXX. Even using the date of the letter and ignoring the actual date of receipt, I am clearly within this 30 day window. The current world situation is stressful enough without being scammed by your mortgage lender. The last terse conversation I had with US bank, I was told categorically by a supervisor that " NO ONE in the entire company '' of US Bank will be able to honor the original agreement. I would also like to point out that this is a Government backed FHA loan, this is my primary residence and I have been in the home for 12 years. 

I have uploaded the cover page of the document showing the date of the letter ( XX/XX/XXXX ) and the XXXX " calendar day '' window to complete the paperwork which would be XX/XX/2022.

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 2020-09-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I took out a {$5000.00} dollar loan at XXXX XXXX XXXX XXXX and XXXX in XXXX NY The school was closed and went into bankruptcy. I called and the company told me they would take it off my credit because the information was incorrect it said I took out two loans instead of one. I do not owe any loan because the school was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: EQUIFAX, INC.
State: TN
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:
To whom it may concern : On XX/XX/2022 I disputed and requested debt validation on account number XXXX XXXX XXXX XXXX which claims I owe {$2500.00}. To date I've yet to receive viable evidence bearing my signature, only a response from XXXX XXXX XXXX stating that would instruct to the bureaus to delete any updates they have placed on my credit profile. Which has not been done, I've suffered tremendously due to this inaccuracy on my credit. My right to extend credit has been damaged to a great extent. As a result, I've been discriminated against and refused the following. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX  According to 15 USC 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I'm also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. There is no law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
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:
Upon checking my credit reports, I've discovered several fraudulent hard inquiries from the following companies : XXXXXXXX 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 2023-07-05
Company: Experian Information Solutions Inc.
State: KY
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-10
Company: EQUIFAX, INC.
State: MN
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:
These documents are for the fraudulent collections account on my credit report for {$870.00} the original creditor is XXXX XXXX XXXX XXXX agency XXXX XXXX / XXXX XXXX XXXX XXXX. I am requesting this account be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, our home was totally destroyed by Hurricane Michael. My wife and I have a home loan mortgage through Fifth Third Bank in XXXX, Ohio. We called Fifth Third Bank on 3 occasions since XX/XX/XXXX, the last time being today ( XX/XX/XXXX ), and requested that they suspend our mortgage payments and interest accumulation until our flood and wind insurance on the home settle our claims and pay off the mortgage loan in full. We do not know how long this will take, but those claims are being processed currently. Fifth Third Bank has only offered us a 90 day Forbearance Period, wherein if we do not make our payments, they will not report us to the 3 credit bureaus. They have refused to stop the interest accumulation on the loan. Since this has been declared a national catastrophic event, we feel they should have a little more compassion for any of their clients who just lost their primary residence ( we had recently claimed XXXX on this property ), and stop the interest accumulation on the loan. I am a XXXX veteran and this is creating even more of a financial hardship on us. We begged them to work with us, but got no results. Any assistance you can give us, would be greatly appreciated! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-07-05
Company: Experian Information Solutions Inc.
State: MI
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:
This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.As an informed consumer, I am fully aware of my protected rights. Therefore, I strongly urge you to promptly remove and block the fraudulent, inaccurate, and misleading items that have been erroneously included in my customer reports. Failure to take immediate action in rectifying this matter will leave me with no alternative but to pursue legal recourse against your organization.

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 2023-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Capital One XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX I have written and called the above company over ten times. 
XXXX writing because I noticed that my most recent credit reports contain a negative account ( see attachments ) with Capital One for my credit card account. I want to know that I understand my financial obligations, and if it were not for personal illness and being furloughed from work due to the pandemic, Id have an excellent record with Capital One. According to their records, I have never been late on my account with Capital One. Due to the financial restraints during the pandemic in XXXX, I chose to settle the debt owed to Capital One for less than the amount and ever since then, Capital One has been reporting my account as derogatory. 

Before closing my account with Capital One, Ive had a spotless record of on-time payments. While applying for additional credit and the fact that Capital One is reporting my account as derogatory to the credit bureaus, it continues to hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if this company make a goodwill adjustment to remove the " derogatory '' comment on my credit report and report me in good standing. I have settled with Capital One and paid off my debt. I honestly did not want the account to close but under the circumstances, the representative told me at the time, that is what this company had to do. This account being listed as derogatory has affected me since the year of XXXX and it is time this is corrected. By Capital One reporting this account as derogatory, which is equivalent to a payment being late over 60 days, hurt my credit history and my chances of obtaining additional credit for no good reason. 

Please remove this derogatory status from XXXX, XXXX, and XXXX, as soon as possible. 

In addition, this company did not suffer a financial loss as the principle was paid and I have paid a lot of money in interest so therefore, this company never suffered a loss. Please stop hurting my credit with the reporting of a derogatory account. I have never been late since the account opened in XXXX and it was closed because I was affected by covid. 
According to current covid stipulations, I do not believe that this company should be reporting my account negatively because of the impact I suffered during the pandemic. 
A settlement was reached with Capital One, therefore, nothing is owed, please remove derogatory status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: BEAL FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I fell on a serious hardship and fell behind on my payment 1 month due to my child 's funeral expenses. My car is broken down, AC gone out in the home and other issues. I have no extra funds to get anything fixed. I reached out to this company in Prayer to get some assistance on resolutions that will be for long term fix. I sent in all paperwork, hardship letter everything they asked from me. I explained everything in the paperwork and application I submitted. This company over looked everything I stated in my hardship letter and denied me payment deferments, denied me to lower my interest rate and/or lower my monthly notes. Instead I was told to stop paying all my other bills so I could pay this one and to not have any emergency situations. I have no vehicle to get to work I have to pay someone to bring me back and forth our AC is out in our home and it is 100 + in Texas and miserable for my family to sleep at night. Instead of this company working with me to find a long term solution they offered me to pay 2 x the amount I am paying now which is over {$1000.00} a month. Why would you expect me to pay 2 x what I am paying now when I am in a hardship financial bind. This company does not care about the customer at all. They made it clear to me only thing they are worried about is making sure they get their money. This company makes is very hard to get any type of assistance when you need it and do not care about anything else you have to do. I been in my home for over 19 years and I tried going to another company to get away from this one and I am being told I have no equity in my home which is very fishy and I do not understand why nor the other company do not know what is going on at all either. Every year I am faced with the same situation and instead of this company helping me with a resolution that will be long term they are only wanting to raise my payments and put more financial bind on me every year for their own greed. This company is horrible no hearts no care. They are not willing to work out a solution for long term or want to participate in programs that are in place to help with mortgage payments. If any emergency arises from this hurricane season we are in I have no funds to fix my car no funds to use to get my family to a safe destination out of harms way. I will be faced with this same situation falling behind again due to the emergency. Where is the help and concern for the customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25
Company: EQUIFAX, INC.
State: SC
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:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX. 

I have called and wrote this company in reference to the above inquiry in which I did not submit for them to verify the inquiry, but nothing has been done in reference to reporting accurate information to the credit bureau. I am a victim of identity theft and I am requesting that this inquiry be deleted as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-30
Company: GOLDMAN SACHS BANK USA
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Goldman Sachs will not transfer my Apple Card to my current Apple ID.

The Terms and Conditions for the Apple Card issued by Goldman do not prohibit this transfer.

Failure to transfer this card means ( according to the options presented by Goldman reps XXXX and XXXX on XX/XX/20 ) : 1. I may cancel the account and suffer adverse credit score impact 2. I may continue to let the account be utilized under anothers Apple ID, without access to this account from my own Apple ID.

3. I may cancel the account and reapply for a new Apple Card account, and suffer adverse credit score impact.

At the time of filing of this complaint, I have a zero balance on this account, but have no acceptable means of protecting my credit score and ensuring any future liabilities are appropriately authorized.

Company response to consumer: Closed with explanation