BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Inaccurate information on my credit reports the charge off dates and last activity dates are different with all 3 reports did not do an investigation to verify TransUnion last activity XXXX XXXX XXXX. Last activity XX/XX/2017 XXXX. Last activity XX/XX/2017 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 2018-10-10
Company: Lending Club Corp
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
called lending club on XX/XX/2018 to inquire about a loan that I put a application in for and was on the phone with a supervisor asking general information about what to send in to them because when I called earlier in the day the person I talked to really told me nothing about anything when I asked and pretty much just rushed me off the phone and while asking a supervisor about everything she just said the XXXX with it and just hung up the phone just want to know what kind of company is this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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 9th attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$49000.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$2600.00}. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.

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 2018-07-24
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:
Companies Involved : XXXX XXXX XXXX XXXX , XXXX. - Mt, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, TX XXXX On XX/XX/XXXX, someone used my identity, fraudulently, to purchase XXXX new phones in my name, under my existing wireless account. Since new phones were purchased, XXXX XXXX XXXX XXXX , XXXX. performed a hard inquiry into my credit, per policy when purchasing devices on a post-paid wireless account. 

After receiving electronic notice that my credit was checked, I immediately contacted XXXX XXXX XXXX 's Global Fraud department to report what happened. However, the Fraud group showed no record in the last 3-4 years of ever running my credit and that the check was not appearing under my name because the credit check did not include a credit reference number by which XXXX XXXX XXXX could find the record. 

Thus, XXXX XXXX XXXX can not remove the hard inquiry because they have no record of it. However, Equifax does show the credit inquiry and according to their " investigation '', the inquiry was " a factual record ''. XXXX XXXX XXXX has suggested I write to the office of the president ( of XXXX XXXX XXXX ) to get the matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I did agree to set up a payment plan or settlement but the person told me I had to pay the full amount at that time or wait til I receive the letter in the mail to go to court. He told me that I would have to pay it all at once when I try to settle it. Debt owed {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: Experian Information Solutions Inc.
State: NC
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 XXXX is reporting an account on my personal credit report that is not mine and is a result of fraud. Credit reporting agency did not fix after initial dispute. Contacted XXXX XXXX XXXX to have account closed, but they did not remove it from 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 non-monetary relief
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXX XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately

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 2022-10-13
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: Personal information incorrect

Complaint:
I sent letters to the Credit Bureaus to remove the unauthorized inquiries and personal information that are found on my report. But still, those inaccurate items are constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX WY XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-03-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute the inaccurate information that continues to be reported on my credit report. Despite multiple attempts to dispute this information and provide evidence to support my claims, Experian, XXXX XXXX XXXX has continued to failed to conduct a proper investigation and update my credit report with accurate information, as required by law. 

I am specifically referring to the XXXX XXXX XXXX XXXX XXXX XXXX which has been incorrectly reported on my credit report. Despite providing evidence that this account is inaccurate and inconsistent, it continues to be reported on my credit report, negatively impacting my credit score and livelihood. This account is reporting different last date active, different last payment payment dates, and all have different payment history reporting when theyre all supposed to be reporting the same information accurately Furthermore, I believe that Experian XXXX XXXX XXXX XXXX has violated the 15 USC 1681i law on numerous occasions by failing to conduct a proper investigation into my disputes and continuing to report inaccurate information on my credit report. This is not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but it has also caused significant harm to my mental state and livelihood. 

I demand these organizations delete this inaccurate account as required by law for reporting inaccurate and incorrect information. I also demand that these organizations compensate me for any damages caused by their failure to comply with the FCRA and other relevant laws. 

If I do not receive a satisfactory response to my dispute within 30 days, I will be forced to pursue legal action against your organization for violating my rights under the FCRA and other applicable laws. 


Thank you for your attention to this matter.

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 2022-11-23
Company: EQUIFAX, INC.
State: LA
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I feel Navient misled me about the public service loan in XX/XX/XXXX. Navient led me to believe that I was on my way to being qualified for a public service loan due to making nearly 10 years of student loan payments on time. I completed all the paperwork including having former employers to sign off on my service and submitted everything only to be told after the fact that because I had not combined my two Stafford Subsidized loans I would not qualify, although both loans are servi

ced by Navient. I have since thrown away all the PSFL
paperwork believing I did not want to risk changing anything to my federally subsidized loan and that I would be able to pay off the loan before XX/XX/XXXX.

Thanks for hearing my frustration. It is sad that financial institutions are allowed to take advantage of students in the way I and others -- I'm now learning, have been taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: TRUIST FINANCIAL CORPORATION
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The 3 Credit Bureaus are reporting inaccurate information on REGIONAL ACCEPTANCE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2023-04-11
Company: EQUIFAX, INC.
State: WA
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX and XX/XX/XXXX, 60 days late in XXXX and XX/XX/XXXX and 90 days late in XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-04
Company: WELLS FARGO & COMPANY
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Requested payment extension to make my payment, Wells Fargo granted the extensions but they were reported to The three credit Bureaus XXXX, XXXX, XXXX the payments were delinquent even though the payment deferment were requested prior to the payments being delinquent. Wells Fargo customer service gives misleading information, they give you verbal information and later they recant the conversation stating they never provided the information. They are unethical and not consistent or transparent with their conversation with the customer. I received mail stating the deferment has been granted but few days laterI received correspondence by mail they were going to repo the vehicle. Wells Fargo is very unethical. Please remove late charges from the account for the incorrect handling of the account. 

See Attachments

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 2022-11-23
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello my family is hit very hard by the Covid and my husband is an auto mechanic and there is no business for several months. This made it hard to pay our mortgage to Specialized Loan Servicing and we fell behind and now they have a foreclosure sale for XX/XX/XXXX. We live here with our XXXX children and have owned the home for 15 years and do not want to lose. When XXXX 's hours were cut we called the lender to ask for help to modify our loan. They ended up offering us a forbearance and they said we could skip the payments and they would add them back in the loan balance and work with us to modify or restructure the loan. The forbearance ended in XXXX XXXX and XXXX wanted us to make the full payment, but my husband was still only getting part time hours. We asked them to work with us and applied for a loan modification. They told us a few months later that we did not qualify. No one could say exactly why, one person said that there was not enough income and someone else said the lender would not allow another modification. We don't know for sure, but we do know that our financial situation is much different than when SLS reviewed us for loan modification. My husband is working full time and got a raise because he specialize in XXXX cars. Also my adult son who lives with us is working full time and helping with the bills. We are making more money and want the chance to be reviewed for homeowner assistance options based on our current income. SLS says sorry it is too late, we will not review for any modification because you can't have one. We don't know why. In XXXX my husband had XXXX and he missed a lot of work during XXXX  but is OK now. We applied for a loan modification at that time and were approved. We make all payments until Covid comes. When they give us the forbearance they explain that it was fine to miss payments that the loan would be modified at the end to fix the late payments. But they have not done that. If they are saying we can't have a second loan modification, why did they tell us they would help us get a new loan modification after the Covid forbearance? If we can't have a second loan modification please give us the information on the owner and investor of loan with their modification guidelines and also the agreement they have to service the loans so we know this is real and true. 

We have enough money to make the mortgage payment or even a higher payment or repayment plan because our finances are much better. But we are behind {$53000.00} because of Covid and SLS is trying to get us to pay this all at once and we can't do 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 2018-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 have confronted XXXX  and TransUnion numerous times with the facts that these old, out of date, incorrect addresses keep appearing on my credit report, and that they need to be removed permanently from my credit report immediately. They fail to comply with my demands as these addresses are tied to old, out of date, closed and paid accounts that are past the statute of limitations for listing on my credit report. I have also requested that any old, out of date, paid in full, closed accounts be removed from my credit report immediately, because they are tied to these old addresses. I have provided XXXX, XXXX and TransUnion my current, correct address several times but as you can see in the enclosed documents, TransUnion fails to list my address correctly, and XXXX lists a XXXX XXXX XXXX XXXX address for me still. I want all of these old addresses wiped from their files permanently!

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: TRUIST FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am in the process of removing PMI. As instructed by Truist. I started this process in XX/XX/XXXX and ( all in the company records and my recorded calls ) have sent multiple checks to have my house appraised. Every time I call the customer service rep gives me conflicting information. On my last call in XXXX, I was assured that they had my check and that the appraiser would be calling to set up the appointment within 120 days. 

Now it's XX/XX/XXXX and I called again this morning to get an update and the customer service rep is stating that I have not even started the process and need to mail a check to the same address I've already sent 2 checks to. I refused to mail a 3rd because this is outrageous after all the records they have of me going through THEIR process and following THEIR instructions. Again I started this process in XXXX of XXXX and it's now XX/XX/XXXX with them stating I need to start all over. 

The calls are all recorded, I've been told so much different information at this point I only want to speak with a manager and have still never received a call from anyone. I feel like I am getting the runaround and being lied to. I am trying to just follow their steps yet they fail to make sense and provide support.

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