BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2023-06-28
Company: USCB Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I tried emailing XXXX XXXX XXXX but have not gotten a response from them. I have also tried reaching out to debt collector USCB Corporation, to no avail. I've sent emails requesting proof of my debt and when I agreed to this and have gotten no response from them. I am currently trying to fix my credit report and want this off my credit as I have not gotten a response from either company. I have no idea of what I owe this debt for.

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 2023-04-03
Company: CREDIT ACCEPTANCE CORPORATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
We bought our vehicle from a car lot in XXXX Oklahoma we are Missouri residents we tagged and the registration is in Missouri. Our vehicle was repossessed XX/XX/2023. We paid a total of {$1700.00} and was set up on a payment plan to get the vehicle back a {$300.00} repossession fee was added to the account. On XX/XX/XXXX after numerous phone calls my wife calls back and they had cancelled our payment arrangement and they had taken off the {$300.00} repossession fee and the same day added that same fee back on the account. During that call my wife asked for a copy of the right to cure letter and they were supposed to mail a copy of that letter. On XX/XX/XXXX my wife calls again to credit acceptance about the right to cure letter the gentleman informed her that since we bought the vehicle in Oklahoma and that the loan contract was made in Oklahoma that they didnt have to send one for the repossession. We are wanting to know being Missouri residents dont we fall under Missouri law and that the right to cure letter should have been mailed or do we fall under Oklahoma law.

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 2023-01-13
Company: MOHELA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My name is XXXX XXXX and I currently have federal student loans held by Mohela as of XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and I initially applied for XXXX XXXX XX/XX/XXXX. Minimal progress was made in receiving a clear response of outcome despite numerous calls and emails. 
- XXXX/XXXX/XXXX filed XXXX  request for all loan payments since inception. 
- XX/XX/XXXX provided copies of XXXX waiver applications, XXXX for multiple years, XXXX  transcript, and military orders. Provider denied application stating they could not verify XXXX based on last XXXX numbers provided on XXXX  transcripts and number of hours on application did not correlate to earnings. This did not make sense or seem logical. 
- Provided actual XXXX for XXXX Credit given for years worked. 
- XX/XX/XXXX - received XXXX  requests with XXXX documents. Proof of payments XXXX - uploaded actual XXXX for XXXX Awaiting response. 
My primary complaint is timely truthful communication provided by loan servicer, fairness in application of XXXX  rules as stipulated by XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
After carefully analyzing my credit report, I noticed several inaccuracies as it relates to negative accounts, employment history, and addresses where I have never lived. I am requesting that the following inaccurate information be removed from my credit report as this is affecting my score and ability to obtain new credit with different creditors. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and U.S. Code 168i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies shown in my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure. I have included documentation to verify my correct information. I thank you in advance for your prompt cooperation. Thank 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 2023-01-13
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/XXXX I received a {$50.00} annual fee on my XXXX Bank card. At that time my card had a XXXX balance so I was not checking this account and missed that an annual fee had been charged, so I missed my payment. When I got a letter in the mail I called the consumer services person said they would reverse and {$41.00} fee and I authorized a {$50.00} payment for the annual fee. I did not hear anything from the bank in XXXX, but in XXXX I got a letter stating my account was passed due so I called the consumer service person said there was nothing wrong with my account and to discard the letter it was send by mistake. I hear nothing else so I thought everything was ok. In XXXX I received another letter so I called the bank on XXXX. The representative said the same thing that the account was current and there was no issue. on XX/XX/XXXX I got a letter and a check from the bank saying they closed my secured credit card due to non-payment and they deducted all the fees/interest + the annual payment amount total deducted was {$160.00}. I should not have been charged anything over the annual payment amount. When I called the bank the consumer services person laughed at me and told me she could not help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was defrauded by Loan Depot, NMLS / LICENSE ID XXXX this morning. I took Mr. XXXX XXXX, XXXX XXXX XXXXCENSE ID XXXX unsolicited call this morning around XXXX XXXXXXXX  promising 15 years loan at 1.75 % interest at no cost. Mr. XXXX was made aware that I am in a middle of a refinance with XXXX XXXX for 1.875 % at zero cost for also 15 years. When I asked if he could beat that deal, he confirmed that he could do 1.75 % at zero cost. When I received the paperwork at XXXXXXXX XXXX  today, I found out that I am being charged more than {$8500.00} in closing costs. When I asked Mr. XXXX to correct the loan estimate based on the promise that he himself recorded during the call with him, he said '' do not worry, my boss will approve it and will send you the revised documents very soon, no later than 15 minutes from XXXX this morning. 

As I received nothing, I sent 2 emails and left couple messages to Mr. XXXX, Mr. XXXX answered around XXXXXXXX XXXX  saying he is waiting for his boss who has been in 2 hours meeting. I did call your customer service to complain who also advised that neither XXXX nor his Managers were available. 

Mr. XXXX did collect {$21.00} in advance for credit report and obtained my consent to run my credit based on a false promise. He also asked me to provide XXXX ' documents to show to his boss and collected personal information based on the same false promise of a XXXX  cost@ 1.75 % for 15 years. 
I had a horrible experience with Loan Depot back on XXXX of last year where I paid the same credit report fees and I ended up going no where. 
Mr. XXXX 's call to me this morning was unsolicited and I regret that I wasted my time and took it and provided my personal information once again to an organization like Loan Depot that does not value customer service or customer rights, or abide by the regulations. I requested that Mr. XXXX does not destroy the recording of the call this morning where Mr. XXXX stated the loan details. Mr. XXXX advised that such recording is a company policy and destroying it may be tampering with potential investigation by the concerned agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I made a very large payment against this student loan. It has been 90 days and they ( XXXX ) has not reported it to the credit report agencies. I did disputes with the 3 major credit report agencies and provided documentation from the XXXX website which clearly shows a very large payment against my balance, but XXXX will not confirm and the 3 major credit reports close out the dispute without any changes.

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 2023-08-30
Company: Experian Information Solutions Inc.
State: DE
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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-07-05
Company: Experian Information Solutions 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:
I have sent in two different dispute/complaints letters XX/XX/2022 and XXXX XXXX asking the companies Experian, and XXXX to verify, method of verification used, + original contracts. Experian or XXXX has yet to remove the derogatory account from my credit report or produces verification method used to verify the account or original contracts.

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 2020-06-03
Company: V and H Portfolio
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I've sent a letter for validation back on XX/XX/XXXX. I was not sent all of the items to confirm validation. 

I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
As per my previous letters dated 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 XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I have diligently submitted supporting documentation ( including my bank statements dated XXXX of total payments made in full ) to substantiate the discrepancies found on my credit report. Regrettably, the bureau 's responses have consistently claimed that the information has been verified as accurate, without providing any proof of who and how they verified the information or the representative 's response in writing, as I have repeatedly requested in the past 12 letters. I've waited three months since the date of my last request ( XX/XX/XXXX ) for a reinvestigation response and written notice and no reply was given in writing. 

The bureau is reporting the following inaccurate, unfair, unduly, incomplete, obsolete, and erroneous information on my credit report and MUST be DELETED due to repeated inconsistent and inaccurate information being reported. 

The bureau is in violation of 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-s2 ( a ) ( 1 ) ( A ) ; ( 2 ) failed to promptly update and correct information furnished to CRAs and determined was not complete or accurate in violation of 623 ( a ) ( 2 ) of the FCRA, 15 U.S.C. 1681s2 ( a ) ( 2 ), 623 ( a ) ( 5 ) of the FCRA, and15 U.S.C. 1681s2 ( a ) ( 5 ) ; and the bureau failed to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information provided to CRAs in violation of Regulation V, 12 C.F.R. 1022.42 ( a ). These violations of the FCRA and Regulation V also constitute independent violations of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ). Under 1053 and 1055 of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5563, 5565.

I have reiterated my rights as a consumer under the FCRA : 1. The right to have accurate and up-to-date information reported by your agency.

2. The right to removal of disputed inaccuracies and errors on my credit report.

3. The right to a thorough and fair investigation of my disputes.

4. The right to add a statement to my credit file, which I have requested repeatedly.

I have requested from them, in writing, further details of the reinvestigation on several different occasions, with no proper response, if any, acknowledging or providing the requested information in writing.

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 2023-08-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Submitted FTC report and supporting documents Experian sent letter that they would delete items closed cfpb complaint. But have not kept up their end. Still reporting incorrect information.

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 2023-05-05
Company: Capital Accounts, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
This account was written off. As Stated on the report. And sold to a 3rd party company. 
It is against the law to sell or share info. 
This debt was excused as a collection, then Put back on the report as. Charge off. 
According to the law on credit this information Should be wiped off all id the major credit Bureau. If not I will start sueing for every Violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: SLM CORPORATION
State: MI
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:
As of XX/XX/2019, my claim of fraudulent loan was addressed and resolved. 
I was finally removed from the fraudulent account and XXXX XXXX blocked access the account online. Finally. 
However, on XX/XX/2019, I received a notification from XXXX XXXX. XXXX XXXX added the fraudulent account back to my report. 
XXXX XXXX unresolved what was resolved. 
Why was I added back into account?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had my identity stolen on or around XX/XX/XXXX of this year. The problem is with Wells Fargo Bank and their reaction to and acknowledgement of the crime. I notified the issues, because I was first notified by my energy company XXXX XXXX. First I went to go pay a bill to them that suddenly was considerably larger then the paper bill I had just received. After a few transfers I was told that someone ( hacker ) had stolen my identity through the XXXX XXXX system, which is how I've always paid the bill, they told me that the hacker had " disputed '' my payments going all the way back to XXXX of 2018. They froze the account. By doing so they didn't allow any more months or payments to be stolen. I then notified Wells Fargo. I also called the attorney general of Florida who gave me steps to follow to warn all the creditors and lenders. Wells Fargo at first was very helpful. But, some where along the way their fraud department decided they wouldn't claim their lack of security. They are flagging my account, charging me some of the disputed funds and not allowing me to open another account, there or at any other banking institutions. Even though I have filed a police report and filled out and had notarized Florida 's theft identity kit. I was told by the attorney generals office to file a complaint through this institution.

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 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Dear TransUnion I see that you verified the account listed below : XXXX XXXX  : Account number : XXXX, Monthly payment amount is not consistent per bureau. Can you delete this ASAP and send me and update. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

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