BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 fourth 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 alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-04-07
Company: Experian Information Solutions 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'm submitting a CFPB complaint and demanding that the Credit Reporting Agencies delete the fraudulent accounts and information from my Credit File. How many times do I have to tell the Credit Bureaus that I was a victim of identity theft and that the accounts I'm disputing were the result of this crime? I've repeatedly asked the Credit Bureaus to remove the disputed items, correct my Credit File, and provide me with copies of proof of verification. However, the Credit Bureaus have repeatedly disappointed me and failed to provide the requested documents. Despite sending dispute letters with complete proof of identity and the Identity Theft Report I received from the FTC, the Credit Bureaus have done nothing. I'm submitting this CFPB Complaint to follow up on my previous complaint and demanding that the Credit Reporting Agencies remove the disputed items immediately before I'm forced to take legal action. Remove the following items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, DE XXXX XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$570.00} XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file.

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 2023-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a tax refund check from the federal government ( IRS ) into a Bank of America estate checking account yesterday, XX/XX/23. I was told the funds would be available today, the next business day. This was also the information that was shown in the mobile app. I check the account this morning and found that the bank had put a 10 day hold on the check. I called the bank and was told the bank was trying to verify the funds. I explained to the customer service that the check is a tax refund check drawn on the Federal Reserve Bank and that the funds are supposed to be made available the next business day. Bank of America will not remove the 10 day hold. I also requested an image of the check and was told that the image was unavailable.

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 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
There are actually several problems. I have inaccurate personal data showing up on my report as well as a collection that I have asked to be removed, even having provided a letter from the creditor asking for the collection to be removed and it is still there, and several inquiries that were fraudulently placed without my asking. I have provided the documentation several times but the information never gets corrected.

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 2023-11-03
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
I am in XXXX XXXX service XXXX veteran. I got a loan modification with a VA back loan. I recently had medical issues and have been unable to make payments. I am over 160 days behind. I applied for a loan modification three months ago, instead of helping me, they raised my payment and made it unfeasible for me to live and pay my bills. I contacted the VA they put me in touch with their social worker who was no help I have applied to different programs to no avail. I called nation lending requesting a loan modification or asking what they could do to prevent the foreclosure as this is my home and they told me I could do a short sale or pay them at lump sum of {$9000.00} or there was nothing else I could do. They were very inconsiderate, and I have been unable to get any help from the lender or the VA in regards to this matter. Please help me as I am about to lose my home and I have been through XXXX XXXXXXXX in the past two years from XXXX as well as had a decline from the financial stress and burden. My XXXX has gotten so I am in extreme emotional and financial crisis. I served my country honorably, was severely injured in XXXX Ive received XXXX XXXX XXXX, and Im a highly decorated veteran, and I am deeply hurt that neither the VA nor and XXXX XXXX well help me. I have also called the HUD counseling agency and was told by them that XXXX XXXX is known for their predatory practices, and I would greatly appreciate if you would look into this and get back to me as soon as possible. Thank you so much for your time I sincerely hope you can help 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 2023-06-23
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:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: Sunset Management, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I spoke with a representative on XX/XX/XXXX and again on XX/XX/XXXX when I reiterated that I would be making a payment soonest on XXXX. I was asked about making the next payment which was to come due on XX/XX/XXXX and I told the representative that I would be making that payment in exactly 2 weeks from the XX/XX/XXXX in line with my next pay date. The representative informed me that I would need to come in to the office to make that arrengment and I informed her that I understood, but could not give her an exact date/time that I would be able to physically come in to the office. On today, XX/XX/XXXX, I missed a call from the company as I was working and then received a call from a family member later informing me that a representative from the company contacted him and threatened legal action and informing him that my account was 60 days past due l, which is NOT true. I am upset that details of my account were discussed without my authorization with another party especially since I had just spoken to them less than 24 hrs ago. I feel that this was done with spiteful intentions to agitate me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, 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 was a victim of identity theft and my personal information and banking information was stolen by scammers. I noticed several suspicious accounts on my credit report and I am sure someone is using my information to open accounts and take actions on my existing accounts.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$13000.00}

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 2023-05-18
Company: Experian Information Solutions Inc.
State: TX
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 federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX has violated my right. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the time the account was opened. XXXX XXXX XXXX XXXX XXXX 
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 an 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 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 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 2023-07-16
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hi, So my payments began XX/XX/XXXX. I make all payments on time. On XXXX, I made my normal payment of {$110.00} for XXXX due date. XXXX I made a payment for XXXX due date. At this point, all payments will be made in the month prior to them being due. So the issue at hand is my last payment was made XXXX for XX/XX/XXXX due date. As of now they are saying my next payment is not due until XX/XX/XXXX which in fact is inaccurate. A lot of the customer service reps seem confused but I finally got one who understood and submitted the request. I believe whomever received the request is confused. They don't seem to have the knowledge to understand that in XX/XX/XXXX I did not make an extra payment, the second payment for that month was XX/XX/XXXX 's payment ; just made it early. Some of the reps see XXXX and XX/XX/XXXX and keep getting hung up on that. It has been weeks and they have yet to update my account. I am a few days away from when it should be due and they will not fix my account. Do I just skip XXXX 's payment and risk later them contacting me about it and also a missed payment on my credit report? Only change they have made was they changed my payment from {$110.00} to {$110.00} ; which the issue at hand should be changing my next due date from XXXX to XXXX and my monthly payment amount should have remained {$110.00}. It is very frustrating because they are not keeping accuracy with statements. I will attach emails showing all payments as well as an email where they claim they understood. But yet, still no one has fixed it even after them submitting a request. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: DISCOVER BANK
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Discover bank is a fraudulent account and wasnt open by me at anytime. All chargers werent made by me and this account needs to be removed immediately Police report attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX ONLINE DOMESTIC WIRE TRANSFER VIA : XXXX XXXX XXXX A/C : XXXX Outgoing wire transfer - {$18000.00} I did not do the wire transfer, not sure who entered my account and did it, XXXX said they can not refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: NC
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:
There is information thats on my credit report that is a result of identity theft. I did not provide written information or instructions for the identified transactions to be report on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 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 XXXXXXXX, XXXX, XXXX, XXXX, XXXX - XXXX. These transactions should be removed according to 15 U.S. Code 1681c-2. You are required to do what I am asking and block these transactions from being report to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
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:
Ive been a victim of identity of theft, accounts attached does not belong to 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 2023-11-06
Company: Nelnet, Inc.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2023 at XXXX central time, I called my loan servicer Nelnet to request a change of my payment date from the XXXX of every month to the XXXX of the month. The agent I spoke to processed the request and said that it can take about 3 weeks for it to be fully processed. I requested a confirmation of this request being made but they declined to send one. 

I called Nelnet on XX/XX/2023 at XXXX Central time, and was finally connected to an agent at about XXXX Central time. I requested an email to confirm that there was a request to change the payment date but they could not provide one. 

I was advised to email XXXX with my request so that they could send the requested information. When I sent an email to that address, I received an automated email saying that they couldn't respond to my email personally, and to call their customer service back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
MrCooper has had a cybersecurity breach and I am unable to make my monthly payment. I am worried that my personal information has been compromised and I am continuing to accrue undue interest on my mortgage as my payment can not be accepted. I fear that the company with not pay my insurance and property taxes on time and I will be left with the cost to correct. They have not updated their response since XX/XX/23 " On XX/XX/XXXX, Mr. Cooper became the target of a cyber security incident and took immediate steps to lock down our systems in order to keep your data safe. Our systems remain locked down, and we are working on a resolution as quickly as possible.

Rest assured, you will not incur any fees, penalties or negative credit reporting related to late payments as we work to fix this issue.

For updated information, we encourage you to continue to visit this webpage and the FAQs section below.

We value you as our customer and are truly sorry for any inconvenience or concern this incident may have caused. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 submitted an FTC report to get items removed. They keep verifying it, and not deleting it. I have tried getting resolution with these creditors via certified mail, but keep getting ignored. You are committing identity theft and fraud! Delete these items.

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 2022-10-03
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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