BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED 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 2018-05-17
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have a {$70000.00} loan with Navient, on which I have been paying for over 10 years. In XX/XX/XXXX, I was diagnosed with XXXX XXXX   XXXX and began XXXX treatment, which continues to this day. I am additonally awaiting word on a XXXX XXXX XXXX, which I hope to get soon. Because of the above, I had to stop working and am XXXX  XXXX. Navient has a XXXX XXXX XXXX form which my doctor completed and he estimates that it will be up to three ( 3 ) years before I can even consider working, and that is contingent on the success of the XXXX. Based on my doctor 's certification of the above facts, another student loan I had with the US Department of Education was discharged. 

I've provide complete documentation to Navient and I feel that they are trying to deny my request ( they did so this week on the grounds that they don't believe that I am XXXX ). Every word of the above is fully documented and I have downloaded the XXXX XXXX  XXXX XXXX form and supporting materials on this site.. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2021 Balance Owed : {$0.00} Collection : 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 2021-10-03
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
delete the following inaccurate, contradictory information in my file. am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 


The items Listed are against your guidelines and break multiple laws under the Fcra like section ( A ) 609 I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2023-08-25
Company: WELLS FARGO & COMPANY
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 existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2022-07-18
Company: Experian Information Solutions Inc.
State: IL
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:
Hello I am submitting this complaint without error or influence of any third party agencies. Please see my attached documentation as it contains my request.

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 2022-07-18
Company: EQUIFAX, INC.
State: IL
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:
Hello I am submitting this complaint without error or influence of any third party agencies. Please see my attached documentation as it contains my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Re : Acct # XXXX On XX/XX/XXXX I spoke with XXXX XXXX at ShellPoint Mortage and reached agreement to make 3 months payment and then Shellpoint would bring my mortgage current making my next payment due on XX/XX/XXXX. 

I made this down payment in XXXX via several checks totaling {$2000.00} as noted below ( see copies enclosed ) : CHECK DATE CHECK AMOUNT CHECK NUMBER XX/XX/XXXX {$510.00} XXXX XX/XX/XXXX {$510.00} XXXX XX/XX/XXXX {$510.00} XXXX XX/XX/XXXX {$510.00} XXXX I then received a letter dated XX/XX/XXXX ( see attached ) regarding a repayment plan for account # XXXX. This letter states that a down payment of {$2000.00} was due on XX/XX/XXXX. Since I made the payments as listed above I expected that this was the down payment. I wrote to ShellPoint on XX/XX/XXXX ( see attached ) asking that they confirm that the down payment has been satisfied and I can commence with the next payment on XX/XX/XXXX. But, to date I have not been able to get a straight answer or response from ShellPoint. 

So, I am submitting this request in hopes that they will respond and confirm receipt of the down payment and confirm that this payment agreement is in effect and that my next payment is due on XX/XX/XXXX. 

Additionally, I do have concerns with the monthly amounts as stated in my letter, especially escrow for insurance payments when I am not aware of ShellPoint making any insurance payments on my behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Overdraft fees are a standard {$36.00}, flat expensive fee. 
XX/XX/23 Balance was + {$170.00}. 
XX/XX/23 XXXX XXXX XXXX - {$220.00} ( price increase ) cleared Balance - {$49.00} XX/XX/23 XXXX XXXX XXXX - {$3.00} - {$58.00} XX/XX/23 XXXX XXXX XXXX - {$6.00} XXXX XX/XX/23 XXXX XXXX XXXX - {$8.00} XXXX XX/XX/23 Cash Deposit to Account of + {$500.00} XXXX XX/XX/23 Overdraft {$36.00} for XX/XX/23 XX/XX/23 Overdraft {$36.00} for XX/XX/23 XX/XX/23 Overdraft {$36.00} for XX/XX/23 XX/XX/23 Overdraft {$36.00} for XX/XX/23 Overdraft of approximately {$70.00} Fee of Overdraft was {$140.00} ( DOUBLE THE OVERDRAFT ) ***How is that fair, how is that NOT a JUNK FEE. How does consumer protection work?? Check Balances go up & down, many financial transactions are not processed the moment the transaction occur. Deposits, Transfers TAKE upwards to 24 hours or more to process. The electronic balance that is viewed online IS NOT the real balance, it's easy to overdraft, and if there are multiple transactions then feels are multiplied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-18
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Car was taken after XX/XX/2019 after paying monthly note and only having the car for 3 months, reached out to the company to find out where the car was taken to so i can recover vehicle or belongings i was giving the run around. After i was giving the information made an appointment for 24 hours later with the recovery place to recovery my personal belongings that i had in the car i get there they can not find the vehicle or my belongings. just to find out a couple days later that the car has been sold. it wasnt even 7 days before the car was sold. i wasnt even given time to recover the vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I was notified by mail regarding accounts that were open without my knowledge and I reach out to Wells Fargo and connected all credit bureau and was amazed how they can not find out who did because Wells Fargo advised they account was done through there website and I ask if they were able to find or retrieve the ip address to charge who took all my information. Banks need more security actions when accounts are be open on the website.

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 2017-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XX/XX/2017 Transunion had removed the following items from my credit report : A collection account from XXXX {$230.00} Inquiries from : XXXX No proper notification of the deleted information being reinserted was provided and per the laws that protect me as a consumer this is a blatant violation and I demand that the items swiftly be removed from my credit report and all adverse effects to my credit history be remedied immediately.

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 2022-07-18
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Lender keeps charging pmi since XXXX of 2021 despite pmi bot being necessary. They wont resolve the issue. I intend to sue them as well as use this process. 

The company is mr cooper

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Experian Information Solutions Inc.
State: FL
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 have submitted dispute documentation to Experian on these specific days certified mail. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I  disputed inaccurate and unverified accounts/unverified late payments on my credit file. Experian has continually stated these accounts are verified without submitting proper documentation on how these account were verified and who verified these accounts and what method did they use. 

According to the Fair Credit Reporting Act section 609 A-1 a EXPERIAN is required by federal law to verify through physical verification of the original signed consumer contract. 

ANY AND ALL ACCOUNTS THAT IS POSTED ON A CREDIT OR OTHERWISE ANYONE PAYING FOR THE REPORTING SERVICE COULD FAX MAIL EMAIL IN A FRAUDULENT ACCOUNT. 

I demanded from Experian to submit me the original signed contract with my original signature. Under the FCRA unverified accounts must be removed, if they are unable to provide me with a copy of proof. 

After calling this company several times I was refused access to specific information on my credit file after verifying that I am the consumer. I have been giving inaccurate information from my credit file between agent to agent to agent. The Agents of this company is not properly trained. The agents was very unhelpful and was not considerate of the consumer and did not put in any effort to help resolve the issue.

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11
Company: Advanced Resolution Services Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have challenged the bankruptcy ( bk ) on my report. The data furnishes and credit bureau claims that they have validated from public records and the data furnisher XXXX XXXX and ars. I got a letter from the XXXX XXXX house saying they do not provide any information to any third parties like the credit bureaus or data furnisher. XXXX XXXX removed the bk from their report based inaccurate information. I sent all the letter challenging the information along with letters from XXXX XXXX and the bk court house. I request the bk be removed immediately according to FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, 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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: NAVY FEDERAL CREDIT UNION
State: AL
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:
My name is XXXX XXXX. I sent Navy Federal Credit and there registered agent a billing error notice. As a consumer they fail to apply a credit that I am due, and also they withheld this information from me. Pursuant 12 cfr 1026.13 this constitutes as a billing error .Navy Federal Credit Union is notorious for shutting down consumers accounts due to us exercising our consumer rights. Pursuant 12 CFR 1026.11, when a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall credit the amount of the credit balance to the consumer 's account. Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer. Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. Also in my letter I stated what they can and cant do to the consumer. I feel as Navy Federal has taken a advantage of me for a long time. They withheld this information while I was paying them when I was due a credit. They same letter was also sent to The Alabama Attorney General.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: Dovenmuehle Mortgage, Inc.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage company bundled our sewer tax into other bills paid out of our escrow for several years. Then suddenly the sewer tax stopped being paid. We called and Dovenmuehle told us that this was an error and that they would submit the payment. This happened two years in a row, then last year they told us that they did not pay sewer tax and apparently had never paid the past due sewer tax. While we tried to figure this out, the city put a lien on our house and charged us late fees and interest. I spent a few weeks working with people at XXXX XXXX ( the company that holds our mortgage and sold the servicing to Dovenmuehle XXXX in XXXX of 2015 to get it figured out. Finally I was told that the past due amounts and additional interest had been paid. We got a new sewer tax bill in XXXX and apparently the money that we had been paying toward the actual bill had been put toward the fees Dovenmuehle was supposed to pay, and now we were late on the current bill. We also saw that there were XXXX charges for " hospital tax '' billed on one day from our escrow. I called XXXX XXXX again and was told that those payments were toward the late fees which XXXX was supposed to pay - so they took our money out of escrow to apply toward bills they had promised they would pay and called it something else .... I do n't know if they were trying to cover up that they were taking our money to pay for their mistake or what. But to this date, the issue that has been going on for years has STILL not been corrected, even though XXXX XXXX repeatedly assured me in XXXX that I did not need to worry about it, it was all taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I was supposed to receive interest on my account until XX/XX/20. Wells Fargo is telling me that I don't get interest on the last day of the expiration date. On my statement It says the interest rate expires on XX/XX/20 but they are telling me I don't get interest on XX/XX/20. So they will only pay me up until the XX/XX/20.

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