BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
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:
I have previously submitted a complaint about XXXX inaccurately reporting late/on time payments on my consumer credit report, I received a response this month that XXXX has updated & verified the information which is FALSE & still inaccurate. There is discrepancies with all three credit reporting agencies on the payment history section of the reporting and that shouldve had been updated 60 days ago. I have highlighted the account mentioned including ALL of the inaccurate/false discrepancies on my credit report and I demand that XXXX be removed from my credit report immediately due to the fact that inaccurate information can hurt my chances of being approved for credit right now or in the future and thats a violation of my right to FAIRNESS, 100 % ACCURATE REPORTING and privacy. 

Account : XXXX # XXXX - XXXX XXXX 30 days late - XXXX XXXX 60 days late - XX/XX/XXXX No payment information - XXXX XXXX 30 days late - XX/XX/XXXX XX/XX/XXXX days late - XXXX XXXX 90 days late & missing payment information According to 15 USC 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by SECTION 1637 ( B ) OF THIS TITLE is mailed or delivered to the consumer not later than 21 days before the payment due date. 
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX NY 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 2023-12-05
Company: MOHELA
State: TX
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:
My auto-debit for my student loans is supposed to come out of my savings account every month starting XX/XX/2023. XX/XX/2023 my first auto debit is withdrawn in the amount of {$200.00} and is not drawn again for XXXX or XXXX. I find out the company has put my account on administrative forbearance without my permission. I contact the company several times via call and message and never hear back via message regarding putting my payments back to normal. I messaged them on XX/XX/XXXX, XXXX, XXXX, and XXXX. I also message them on XX/XX/XXXX again as well. The first time I call I wait on hold for XXXX hours and when it is time to speak to someone they tell me they have fixed my account and are going to check some info on why it happened. They then accidentally hang up on me and nobody contacts me even though they took my number to call me back incase I get disconnected. This was around the beginning of XXXX. I wait XXXX days because that's how long the girl said it would take to fix my account. It was still not fixed so I reached out again via phone in XXXX and am told I need to wait until XX/XX/XXXX and then my payments will process. I also asked why I was randomly charged {$11.00} and had another random charge scheduled for XX/XX/XXXX for {$22.00}. The customer service agent says those are mistakes and he will take them off my account and that by XX/XX/2023 all should be fine on my account and the random charges should be gone and my auto debit should work again. He lets me know everyone 's account is messed up and that the system is trying to fix itself. I inform him that I am still being charged interest while these payments are not processing and he pretty much just says to wait until XX/XX/XXXX and everything should be fixed. Of course comes XX/XX/XXXX and it is not fixed and I reach out via message and call. I explain my situation to the girl on the line and she says she will transfer me to a manager. It has now been an hour and a half and I am still waiting on the " manager '' I was transferred to to pick up the phone. All I want to do is pay what I owe on my student loans and it should not be this hard to make that happen. This company is canceling peoples payments without their permission and then not letting me take my account off forbearance and allowing me to make payments so I don't fall further behind on interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: Experian Information Solutions Inc.
State: NV
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 CFPB, I am a natural person and a living human being with rights protected under 15 USC 1681. I am filing a formal complaint regarding my credit report, as I believe that the consumer reporting agencies are violating my rights and the Fair Credit Reporting Act. Specifically, I demand the immediate deletion of the following accounts, which were furnished to the consumer reporting agencies without my permission : XXXX XXXX XXXX XXXX - XXXX These accounts violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The consumer reporting agencies have violated my rights several times, which is prohibited under 15 USC 1681.

I want to draw your attention to the following sections of the Fair Credit Reporting Act that support my complaint : 15 U.S.C 1681 section 602 A : States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : States that no consumer reporting agency may make any consumer report containing 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 ) : States that 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.

Furthermore, I did not authorize the following companies to pull or look at my credit, and I believe these inquiries to be fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Used XXXX XXXX XXXX XXXX XXXX Banks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX, Used 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 VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Non-specific XXXX XXXX XXXX XXXX XXXX XXXX, XXXX OR, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, 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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Formal Complaint Regarding Inaccurate Reporting by XXXX [ Account Number : XXXX ] To Whom It May Concern, I am writing to formally file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate reporting of a balance by XXXX pertaining to my charged-off secured credit card account, with account number XXXX. I want to bring to your attention the concerning discrepancy in the reported balance and the true nature of this secured credit card account. 

It has come to my attention that XXXX inaccurately reported a balance of {$210.00} for my charged-off secured credit card, despite the fact that this account was initiated as a secured credit card with an accompanying deposit. I would like to emphasize that at the inception of this account, I made a deposit as per the terms and conditions of a secured credit card agreement. The remaining balance should have reflected not only the deposit I made but also the funds that XXXX retained in accordance with the terms of the contract. 

I hereby request that XXXX provide authentic and verifiable documentation of the original debt and the associated contract that clearly outlines the deposit I made and the terms governing the retention of a portion of my funds. It is imperative that XXXX presents accurate and conclusive proof of the financial arrangement that was established at the outset of this secured credit card account. 

In the event that XXXX is unable to produce the requested documentation that supports the reported balance and the terms of our agreement, I insist that this inaccurate reporting be promptly removed from my credit report. It is of paramount importance that my credit history accurately reflects the true nature of this account and the financial obligations associated with it. 

I appreciate your prompt attention to this matter and kindly request that you initiate an investigation into this discrepancy. I believe that the CFPB 's intervention will play a pivotal role in ensuring fair and accurate reporting practices by financial institutions. 

Thank you for your consideration and assistance in resolving this matter. I look forward to your timely response. You can reach me at [ email address ] or [ phone number ] should you require any further information or clarification. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: MA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Prosper Marketplace, Inc.
State: NV
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 this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 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 refurnish an account without my written instructions. Under 15 U.S.C. 1666B A creditor may not treat a payment on a credit card account under an open and consumer creditor 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 explanation
Consumer complaint received 2023-09-05
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Sine we purchased this home it seems like they have done everything possible to take it from us ... .From not applying payments properly, forcing us to add in taxes and homeowners and they never pay it on time. 
They state if you have issues you can do this and that but when you try you never get a response then you call and find out you were denied and they didn't tell you because they started the forclosure. 
We were put on a forbearance for a year during covid and how it was explained to us is that it would just be suspened instead they added about XXXX to our loan. if we knew they were going to charge us an extra year we wouldn't have done it. We owed XXXX now they say XXXX. 
This is not right and very dirty company they have changed their name at least 4 times since we have lived here. 
And like everywhere they say you have an account manager but good luck speaking to them when you ask for the name on the letter they say this person don't exist. 
Every time I call you get a different person and not one of them has any idea what you are talking about, even though when I end my call I ask for a confirmation ( that I never get ) and to please note the account. DOES NOT HAPPEN! 
Every time I call all they want is a payment it does not matter the situation and if they didnt do what they said they were going to do they just want you money. 
Also we have tried to make partial payments bi-weekly and they leave it in unapplied funds never apply it and you have to jump thru hoops to get it back. 
If you ask for a supervisor you get disconnected or just left on hold unti lyou hang up and if your past due they don't let you access your account on line and won't let your call go threw till they get a payment. 
And it is a problem when they don't understand english.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: ALLIANT CREDIT UNION
State: FL
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:
YOUR COMPLAINT Complaint was previously submitted by my wife, XXXX who IS, notwithstanding the institutions assertion to the contrary, a subsidiary cardholder. 

Previous complaint was CFPB # XXXX XXXX did not respond to the substance of the previous complaint. 

The previous UNANSWERED complaint reads as follows : XXXX, XXXX XXXX, agreed, in an email, to refund cost ( less 20 % re-stocking fee ) of XXXX ( XXXX ) case of defective/damaged flooring material and XXXX ( XXXX ) cases of new, unopened flooring material. When I arrived to deliver the XXXX cases of material, the merchant refused to accept the damaged material and provided a credit ONLY for the XXXX ( XXXX ) unopened cases of material. I filed a dispute with XXXX XXXX for the one ( XXXX ) case of damaged material that was not refunded by the merchant. I supplied XXXX representative with a full email chain wherein the merchant agreed to take back ALL XXXX cases of material and provide a credit therefor. XXXX is a small fintech-type issuer and outsources their credit card operations to a company called " Co-Op '' After providing all the information to Co-Op and XXXX I XXXX a provisional credit for the {$68.00}. Subsequent thereto the provisional credit of {$68.00} was REVERSED. Upon seeing the reversal of the provisional credit I contacted XXXX. I asked why my provisional credit was reversed. To my surprise the representative told me that the credit was reversed as the merchant claims they " already '' agreed to provide a refund. When I explained to the CO-OP representative that the merchant credit was only for XXXX ( XXXX ) not XXXX ( XXXX ) cases of material, the CO-OP representative said that there was nothing he could do and became defensive and rude. 
I requested documentation showing I received a full refund for all XXXX cases. Request denied. I subsequently contacted an XXXX employee in XXXX 's " XXXX XXXX '' The XXXX XXXX employee seemed to understand the gravity of the situation. I again supplied her with photographs as well as the email chain documentation detailing the merchants agreement to provide a credit for all XXXX ( XXXX ) cases of material. The XXXX XXXX employee agreed to re-instate the provisional credit to my account but to date has failed to do so. It also appears now that my online access to my account has been XXXX, perhaps out of spite, so I can not effectively monitor the account. However, I can see my account using the XXXX mobile app.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Nelnet, Inc.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dept of Ed / Nelnet XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/2023 Reported I owe {$4100.00} This does not belong to me please have this removed from my report. 
Please have them send me the application that requested this loan so that I Can file a police report for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Someone has gained my social security ( at least the last 4 digits, email address and other identifying info ) and tried to open a checking account with Citizens Bank. I received a denial from the bank on XX/XX/23 indicating that the application had been denied. 
====================== Personal Deposit Application Application ID : XXXX Dear XXXX XXXX : Thank you for choosing Citizens Bank and for your recent online application for the following account ( s ) : Product Name Citizens Quest Checking Unfortunately, we are unable to open your account ( s ) at this time based on the information you supplied when you completed your online application. However, one of our local branches may be able to assist you with the account opening process. When you apply in person, the banker may accept various forms of valid primary identification, such as a driver 's license, state-issued ID, or passport. 

Thank you for again choosing Citizens Bank. 
Sincerely, Citizens Bank =============== I contacted their fraud dept who verified that the attempt was real and that I should file a complaint with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I am writing this to file a formal complaint regarding the closure of an account that was furnished on my consumer report without my written or oral consent. The closed account I am referring to is the Account Details : Creditor : XXXX XXXX  Account Number : XXXX Date Closed : XX/XX/XXXX Current Status : CLOSED Balance : {$0.00} Date XXXX I believe that this has been carried out in a manner that is unjust and without proper communication. I had reached out to these reporting agencies on XX/XX/XXXX of XXXX in regard to this closed account. The response i have obtained was that this account has came back verified and accurate but never sent out Documation on how they verified this information and who did they get this information from. They never did a proper investigation consumer report. The closure of that account has caused me significant inconvenience and disruption.

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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

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