BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-14
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: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-07-10
Company: Experian Information Solutions Inc.
State: AR
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 several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : 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 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 explanation
Consumer complaint received 2018-03-08
Company: Navient Solutions, LLC.
State: WA
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:
XX/XX/2018 & XX/XX/18 Having problems with Navient applying payments to the right loans to the to avoid them saying payments are late and applying late charges and getting harassing phone calls say I am delinquent. 
XX/XX/2018 & XX/XX/18 Changing due dates without consulting with the borrower to confirm that is a good due date and then applying late charges. 
XX/XX/2018 & XX/XX/18 Talking to supervisors and representatives about fixing the problems and nothing ever gets fixed. 
XX/XX/2018 & XX/XX/18 Not having the correct loan payment amounts on account to pay the loan without having to go through a Navient employee to get things fixed. 
-Being transferred to a million different employees before getting to one who can actually fix the current issue. 
-Told they will fix said problem, but then it is never done. 
-Spending up to a hour in a half to get to someone who will fix the problem. 
-Account showing late fees and employees telling me there are no late fees that were put on. 
-Told I needed to contact the XXXX XXXX XXXX XXXX XXXX to solve issues with Federal garenteed and subsidized loans that they were the one to anwser questions about those loans when really it was just another department within Navient. After call Department of Education they tell me that it is the responsibility of the loan holder to handle all loan problems that they have nothing to do with them any longer. Same problems when having to fill out the yearly income driven plan paperwork. 
These are just the tip of the iceburg of the numerous problems we have had with navient since they took over my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, I have tried multiple times to dispute the account under XXXX XXXX XXXX XXXX  and they continue to say the debt is verified by only sending me copies of the billing statements. This account as due to identity fraud. The original creditor has already deleted this account from my credit profile. Also, I have verified that they are not licensed and bonded with the State of Michigan by using the website XXXX XXXX XXXXXXXX. 

The account is for the amount of {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper took over servicing of my mortgage from XXXX ( XXXX XXXX XXXX ) in XX/XX/2020. I had made my XXXX payment early to XXXX before I knew about the transfer. My account with Mr. Cooper does not reflect that I made that payment, and I've already contacted them and sent copies of my checking account transaction history, and XXXX transaction history showing the payment. They said they would research it and have a response within a month. It's been 31 days today, and I called back to follow up. The customer service representative I spoke to told me the research request had been closed without comment. My account is still missing the payment, my credit score has dropped, and Mr. Cooper is robocalling me with payment reminders for a payment that I've already made that they lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Westlake Services, LLC
State: CA
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:
Hi my name is XXXX XXXX, I have a auto loan at westlake financial services and I can't pay this month, is the First month can't I pay, for problems of Covid-19 and I need 3 month the extension but westlake financial doesn't want give me the extension.I asked them for an extension because I was not working due to covid 19 problems. I need your help because doesn't want give me extension

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX # XXXX is reporting an account to my credit that was included in my Chapter XXXX Bankruptcy # XXXX, it is also past the Statute of Limitations in Utah and has no reason to still be on my credit file. I need this account removed immediately as it is in violation of the Fair Credit Reporting Act.

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 2023-06-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I called your department after I purchased a credit report with XXXX XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and SSN  for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Im requesting that you follow the law by removing these inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.

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 2023-05-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX I got scammed out of {$2200.00} from a person who was selling an XXXX gaming console through an app called offer up. 
This person was selling the unit for {$150.00}. I agreed to purchase the unit for {$150.00}. I asked for the pick up address and the address was XXXX hours away. I live in XXXX XXXX and the address was in XXXX XXXX. 
I agreed to pay this person trough My mobile banking using XXXX. ( wells Fargo ) I sent a payment of {$150.00} to this person. 
Immediately I received a message back from this person saying that he accidentally had refunded the {$150.00} back into the account. He sent me an email with a message coming from his XXXX XXXX XXXX stating that the money was being refunded. I made another transaction of {$150.00} through XXXX thinking the money was actually being refunded. After, I received a second text message saying to check my email again because he accidentally had refunded {$1500.00} back to my account instead of {$150.00}. 
After this point I kept getting calls telling me to return the XXXX. 
I got calls telling me that if I did not send the money back they he was going to call the police. 
I felt I had to return the money because my intention was to purchase the XXXX XXXX  for {$150.00}, not to steal his money. This person used different names for this transactions because his account was locked after sending the {$1500.00} by accident. The names provided were XXXX XXXX {$750.00}, XXXX XXXX {$750.00}, XXXX XXXX {$400.00}, and XXXX XXXX. 
I bank with WELLS FARGO. 
I called Wells Fargo so they can stop the Transactions and they told me there's nothing they can do. 
I have called and filed a few reports with Wells Fargo and it seems they are not helping me to recover my lost funds. The only thing they did was to help close my account were the money came out from and I opened a new account. 
I have called XXXX as well and they tell me is Wells Fargo who i have to call and Fargo tells me to check with XXXX. 
Wells fargo reps tell me that there's nothing they can do because they treat it as cash transactions.

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 2023-03-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} CXXXX 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 explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 non-monetary relief
Consumer complaint received 2020-04-10
Company: Experian Information Solutions Inc.
State: AR
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. 

XXXX XXXX {$600.00} XXXX XXXX XXXX {$2300.00} XXXX   XXXX {$880.00} XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX {$2500.00}

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 explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have old accounts on there that should be taken off

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 2023-06-19
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I would like you to remove all the inaccurate and misleading information from my credit report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit. 

You have multiple address and names on my credit profile. You should only be reporting my only one and only verifiable address and real name. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NC Under the FCRA, you must re-verify the items and get them removed within 30 business days of receipt of this letter, to avoid violation of the law. Please notify me of the changes and forward me the updated copy of my credit report to the address referenced above.

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 2019-03-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid 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:
On XXXX XXXX 2019 I purchased XXXX  made XXXX T-shirts and underwear for {$290.00}. The website used a XXXX name. It turned out the website was in XXXX and when the underwear arrived it was a different brand called XXXX. The t-shirt had written on the front XXXX XXXX XXXX. I did not order any writing on the t-shirt I filed a billing dispute and JP. MORGAN Chase United Explorer Card Chase the card issuer. Chase claims to have conducted a reasonable investigation but could not have. I provided a picture showing the XXXX  tshirt. They could not have really investigated. I was sent cheap underwear instead of high quality underwear. The seller in XXXX refused to accept a return. They just kept saying the shipping dept must have sent the wrong items. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-06-19
Company: Experian Information Solutions Inc.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-07-30
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: Account information incorrect

Complaint:
I filed a complaint with the collection agency but the bureaus, in my opinion, hold some responsibility also. The only reason I know about this is because I received an alert from my credit monitoring service to a new collection reported. I have been working on my credit and was getting much better. Real quickly, my monitoring service just posted a collection from XXXX XXXX XXXX account # XXXX. I looked them up online and they seem to be out of XXXX XXXX. The collection shows online that the original creditor is XXXX XXXX XXXX XXXX with a balance of {$11000.00}. I never received a phone call nor any letters from this company which I filed a complaint about. Additionally, the bureaus are showing as a voluntary repossession from XXXX XXXX XXXX XXXX, account # XXXX, with a balance of {$12000.00}. The issue is now I have 2 negative items both showing a balance owed for the same thing, and both are effecting my debt to credit ratio twice for the same debt. My understanding is the credit bureaus can not report a balance from an original creditor after it is sold to a collection company. The balance has to be zero 'd out from the original creditor. Otherwise, the original creditor shows a debt owed, the collection shows a debt owed for the same debt and I get penalized twice on my debt to credit ratio. I am in the process of getting a loan and this is the last thing I needed to happen.

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 2023-06-19
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:
I went to the car dealership to purchase a vehicle. The dealership pulled my credit report. It was only supposed to be one inquiry. However when I checked my credit report the following week, it showed that I had multiple hard inquiries. 

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

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