BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 several letters to XXXX, Transunion and XXXX  to resolve this matter. They continue to report inaccurate address, and misreporting information on my credit report. The accounts continue to report inaccuracies and they are not responding to my disputes

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 2019-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I lodge a complaint through the same website and what you sent me was copy of reporting transactions which is not a verification. If your company was offering the credit alert service for free to consumers I wouldn't have been a victim but all you do is charge for the service and everybody can afford to be paying for the service monthly. 
Your previous responses ONLY show transactions but do not have my signature or any prove that I have knowledge of the accounts and transactions. 
I demand the following accounts be verified or removed immediately. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX back 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 2019-02-28
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX line of credit and credit card is appearing on my credit report. Both accounts are paid off and effecting my credit negatively.

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 2019-02-28
Company: Experian Information Solutions Inc.
State: IL
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: Billing dispute for services

Complaint:
on XX/XX/2019 I called my mortgage company to let them know that my payment was in the mail and for some reason due to the government shutdown my payment had not been processed. I spoke to XXXX XXXX, he said he would make a note and make sure that no adverse information would be appear on my account. he said he would waive all late charges and to check back within two or three days to see if the payment had been processed. well it turns out that one of the checks was lost in the mail. then XXXX came by and I made the XXXX payment on the XXXX of XXXX. but my account still showed as being XXXX late payment. I called back to let them know that the payment was somewhere but they couldn't track it either. they knew the reason why this check got lost and yet they posted on my credit report that I was 30 days late on my mortgage. this is not right. just ruined my credit report like that.

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 2019-02-28
Company: EQUIFAX, INC.
State: IL
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: Billing dispute for services

Complaint:
on XX/XX/2019 I called my mortgage company to let them know that my payment was in the mail and for some reason due to the government shutdown my payment had not been processed. I spoke to XXXX XXXX, he said he would make a note and make sure that no adverse information would be appear on my account. he said he would waive all late charges and to check back within two or three days to see if the payment had been processed. well it turns out that one of the checks was lost in the mail. then XX/XX/XXXX came by and I made the XX/XX/XXXX payment on the XX/XX/XXXX. but my account still showed as being XX/XX/XXXX late payment. I called back to let them know that the payment was somewhere but they couldn't track it either. they knew the reason why this check got lost and yet they posted on my credit report that I was 30 days late on my mortgage. this is not right. just ruined my credit report like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
my upgrade account is reporting late in the month of XXXX and XX/XX/2020. This is incorrect, i was never late this is the 2nd or 3rd time this has happened. This is extremally hurtful to my ability to gain credit, car insurances loans and lines of credit.

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 2019-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Billing dispute for services

Complaint:
on XX/XX/2019 I called my mortgage company to let them know that my payment was in the mail and for some reason due to the government shutdown my payment had not been processed. I spoke to XXXX XXXX, he said he would make a note and make sure that no adverse information would be appear on my account. he said he would waive all late charges and to check back within two or three days to see if the payment had been processed. well it turns out that one of the checks was lost in the mail. then XXXX came by and I made the XXXX payment on the XX/XX/XXXX. but my account still showed as being XXXX late payment. I called back to let them know that the payment was somewhere but they couldn't track it either. they knew the reason why this check got lost and yet they posted on my credit report that I was 30 days late on my mortgage. this is not right. just ruined my credit report like that.

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 2020-05-27
Company: EQUIFAX, 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:
The information I sending is about the fraud I found on my credit report I attach the list of the fraud information I found on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 both TransUnion/XXXX  a method of verification letter requesting that information as of XX/XX/2018 and havent yet to receive that information although they state that the accounts reported on my credit report were verified. Its my understanding that according to the Fair Credit Reporting Act, 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify through physical verification of the original signed consumer contract any and all accounts reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I got a Wells Fargo Cash Wise Card and spent more than {$1000.00} in the first three month and did not receive the {$200.00} reward. I sent emails, but was asked to direct my request to another department. Sent them an email thru the system as well. Got an email, that I have to call. Called a representative called XXXX, who claimed to pull up my data, but disconnected the call. Called again and XXXX told me, that the {$200.00} had been credited to another card, which I don't recongnize as my card. 

This all seems to be a big fraud, the promise a reward, make it very difficult to reach anybody, so people just give up and finally they claim to have credited the reard to an account, which the customer doesn't know about nor can access.

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 monetary relief
Consumer complaint received 2019-02-28
Company: SUNTRUST BANKS, INC.
State: GA
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:
I have my credit card through Suntrust Bank. My card was stolen and used on XX/XX/XXXX, along with a credit card I hold for my mother for emergencies. The fraudulent user charged {$11000.00} on my card in 4 separate transactions. Three {$3000.00} transactions and one {$2000.00} transaction at a XXXX in XXXX, NC where I was visiting family at the time. The charges on my moms card totaled {$8000.00} at the same location, but hers have been totally resolved.When I realized my cards were indeed lost and stolen on XX/XX/XXXX, I immediately cancelled my card and filed a fraud complaint as did my mom. My bank recently has said that they denied my claim and found me responsible because I participated in or benefited from three transactions. They refused to provided me with any evidence or the full investigative report to prove themselves. I am at a total loss. My credit history does not reflect this kind of spending and besides the fact that these charges were clearly FRAUD, no one from my bank notified me or called me to verify that these unusually high amounts were legitimate at the time the transactions happened. This is unfair and the stress of all of this has greatly affected me. I have since filed a police report and will hopefully be speaking to my case manager soon. I never thought I would have to prove that I am not a thief. Absolutely ridiculous.

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 2019-02-28
Company: Mr. Cooper Group Inc.
State: IL
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: Billing dispute for services

Complaint:
on XX/XX/, 2019 I called my mortgage company to let them know that my payment was in the mail and for some reason due to the government shutdown my payment had not been processed. I spoke to XXXX XXXX, he said he would make a note and make sure that no adverse information would be appear on my account. he said he would waive all late charges and to check back within two or three days to see if the payment had been processed. well it turns out that one of the checks was lost in the mail. then XXXX came by and I made the XXXX payment on the XX/XX/XXXX. but my account still showed as being XXXX late payment. I called back to let them know that the payment was somewhere but they couldn't track it either. they knew the reason why this check got lost and yet they posted on my credit report that I was 30 days late on my mortgage. this is not right. just ruined my credit report like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have numerous complaints about my loan servicing company, Navient, and was only allowed to select one issue on the previous page. I can enumerate all of the issues below : Initially, I have always been a public servant when repaying my student loans, and have always attempted to be qualified for the public service loan forgiveness program.

1. I was given completely incorrect information regarding payment plans, payment amounts, and was not provided the right information regarding the lowest payment possible. For the first several years ( XXXX ) I was not making the lowest payment possible. I found out many years later that I could have qualified for payments under {$100.00} a month, but was paying 2 or 3 times that amount at any point.

2. I took out a mortgage on my home to pay down my balances. I made it VERY clear that I wanted the payment to go towards the principal balance. Yet, Navient ( around XX/XX/XXXX ) repeatedly applied the balance to future payments. For nearly 3 months I repeatedly called Navient to have them apply the balance to the principal. I am still unsure if they charged me interest on the larger principal balance during that time. 

3. I was told in XXXX or XXXX of XXXX and again in XX/XX/XXXX that I did not have to certify my student loans for PSLF until I had made 120 payments, and that Navient was keeping track of those payments. However, I recently found that many of my coworkers certify their employment on an annual basis, and that their loans are held by XXXX XXXX XXXX. I attempted, once a month, for the last 18 months ( XX/XX/XXXX to present day ) to get information from Navient regarding any PSLF certification paperwork. They REPEATEDLY told me they would send me information via email or mail, and I would never receive this paperwork. Finally, I went online and did a search on my own. I have attempted to get documentation regarding my numerous phone calls and was told they do not email others. Further, I was told that they do not keep any log of calls made by borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have spoken to Navient customer service several times regarding my loans fees and it's current status. In early XXXX 's we were " tricked '' ( Salliemae at the time ) into forbearance to have " extra '' money for the holidays or because we were late on a payment. In XXXX we missed a payment and I have now noticed that we have been charged 30 {$20.00} late payments and unless I pay {$1900.00} I will continue these late fees even though we are on auto debit. We often receive letters and calls where they threaten us legal action if I don't pay this ever changing amount due ( we are on autopay so It's difficult to pay extra ) My biggest concern is that when I speak with them they have no interest in assisting our situation. To be transparent I am looking for a reasonable forgiveness due to the following loan details : First loan payment- XX/XX/XXXX Original Principle- XXXX Current Principle- XXXX Total balance- XXXX Total paid to date- XXXX Expected pay off- XXXX ( XXXX payments at {$340.00} ) Interest rate 8.5 % I have tried to come to an understanding with them regarding our position and most of the time the person from customer service does not understand me, is very hard to understand, and only reads from a list of responses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
XXXX, XX/XX/2022 I received a text from Capital One regarding a suspicious charge on my account from XXXX XXXX XXXX  for {$29.00}. I responded to the text message that I did not authorize the charge. Capital One stated they would stop the use of my card, great. 

This evening I went online to dispute the previous charge from them on XX/XX/2022 for {$15.00}. This was a purchase I made for a XXXX XXXX Drone I saw on a XXXX XXXX  Clearly it was a scam after all. When I track the purchase I made on XXXX it just says XXXX with no additional details. Again, clearly this is a scam. 

The rep on THREE separate occassions referred to this fraud as a " promotional strategy ''. I tried to be patient with the rep for so long on the call. The only reason I called was to get a new Credit Card. I kept getting the run around by this person and Capital One 's rep continued to defend the scammer calling it a strategy until I flipped out over the phone and told her no, its fraud. It's not an ad, its fraud. Fraud scam theft you name it, its fraud. I told her I needed a new card and for whatever hold is on my account to be removed so I can dispute the {$15.00} from XX/XX/XXXX on my card. She continued to speak in a way that does not get me close to the resolution. I asked if the call was recorded, in which she said yes. Great and I hung up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-28
Company: EQUIFAX, 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:
FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I lodge a complaint through the same website and what you sent me was copy of reporting transactions which is not a verification. If your company was offering the credit alert service for free to consumers I wouldn't have been a victim but all you do is charge for the service and everybody can afford to be paying for the service monthly. 
Your previous responses ONLY show transactions but do not have my signature or any prove that I have knowledge of the accounts and transactions. 
I demand the following accounts be verified or removed immediately. 



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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
MY NAME IS XXXX XXXX, I HAVE SUBMITTED COUNTLESS LETTERS TO THE BUREAUS REGARDING FRAUDULENT INFORMATION ON MY CREDIT THAT IS NOT MINE! THE BUREAUS ARENT HONORING MY DIPSUTES SO IM ASKING FOR THEM TO REMOVE ALL FRAUDULENT INFORMATION THAT IS ON MY FTC REPORT!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Experian Information Solutions Inc.
State: FL
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 I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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