BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 BUREAUS # XXXX. I had previously disputed this account. I have never done business with THE BUREAUS-XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g,  I dispute the validity of the debt purport I owe. I demand THE BUREAUS XXXX provide some paperwork of this account that I have no record of ever doing business with, I received nothing. THE BUREAUS-XXXX needs to delete this account from my credit report and stop all contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine and also your own company management. I also have the right to file suit against you for any future violations of this law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
State: VA
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:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX VA XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1400.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I attended XXXX University from XXXX and was wondering why my federal, private loans and parent plus loans werent forgiven? Considering all the false advertising the school admitted to making. Also considering the school settlement with the FTC to pay students back and forgive their loans for students who attended that school from XXXX. I did receive a small {$300.00} from the FTC settlement with XXXX but that is nothing to the $ XXXX in student loans I have attending that school. I currently cant even make enough to pay the loans back, even under the IDR plan my payment is {$0.00} for my federal loans. But yet how can I go on living knowing that my student loans are still growing in interest. I currently have a Borrowers Defense application getting processed but it isnt 100 % they will forgive my federal loans. But what about my private loans and parent plus loans? Would I still have to pay all of that considering the school false promises to me? I hardly make enough to support my XXXX kids and each month my loan payments for the private loans are about $ 200+ Currently. Struggling at months to even provide enough food and clothing for my kids! Please help me with the options that I have to deal with my private loans. I thought according to the FTC, XXXX was suppose to have already forgiven my loans because I attended that school exactly in the time frame of the school fraudulent advertisement, but I havent seen or heard anything from the school at all. Please help ... All of $ XXXX I have in student loan debt is from attending XXXX only and I have a XXXX XXXX that does nothing for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My US bank platinum visa credit card is reporting closed and showing 30 days late. I repeatedly reached out to the fraud and verification department to fix account status. The 30 day late is incorrect and severely impacting me on ALL 3 credit report. I am trying to close on my mortgage with all the crisis happening right now this misinformation is damaging my home buying closing process.

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 2019-03-01
Company: EQUIFAX, INC.
State: OH
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 BUREAUS # XXXX. I had previously disputed this account. I have never done business with THE BUREAUS-XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g,  I dispute the validity of the debt purport I owe. I demand THE BUREAUS XXXX provide some paperwork of this account that I have no record of ever doing business with, I received nothing. THE BUREAUS-XXXX needs to delete this account from my credit report and stop all contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine and also your own company management. I also have the right to file suit against you for any future violations of this law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22
Company: SYNCHRONY FINANCIAL
State: TN
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:
I filed a dispute with XXXX, XXXX, and XXXX  about incorrect items being reported to my credit report. It has been well over 30 days and I have not received any investigation results.

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 2020-11-04
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan payments made to Mr. Cooper formerly Nationstar have not been applied correctly therefore incurring overdue loan payments. My loan was placed in the pandemic relief program in XXXX of 2020. I have made all of my payments for the months since then but several have been past the grace period. All payments have been made and my account should be current but Mr. Cooper has applied several payments toward principal without my authorization, therefore making me past due on 2 payments. This was done without me authorizing and appears that Mr. Cooper is taking advantage of the pandemic relief in order to misapply my payments to force me in to default. I have called several times and spoke to XXXX and XXXX about this but they seem to want to only talk circles around the issue instead of addressing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For over a year now I have received assistance from my local township to help pay my mortgage. Due to this I have had to make partial mortgage payments. The township pays {$300.00} in the beginning of the month and I pay the remaining at some point in the month as well. I have exclusively worked with XXXX XXXX, Loss Mitigation Specialist XXXX ( Office ) XXXX ( Toll-Free ) XXXX ( Fax ) XXXX For over a year. I check in with him every month to ensure all payments have been received. Most recently I contacted him in XXXX of XXXX because strangers were taking photos of my home and stated they were from Shellpoint. I asked him if anything was wrong and i was assured by him that the mortgage was in current standing. 3 weeks later I receive a letter stating that the mortgage is past due {$2700.00}. So I called to find out what was going on. I couldn't get in contact with XXXX XXXX so I spoke with whoever was available. The women told me that the mortgage was past due because there was never a payment made in XXXX of XXXX and we have been past due since then. Imagine my surprise since i have spoken to XXXX XXXX every month. She stated that if I had proof it was paid that the mortgage would turn current. I sent them all the proofs of payment, and they still sent me another letter stating that I am past due. I have contacted them on multiple occasions asking how is it possible that the mortgage is still past due. No one will return my calls, no one will return my emails, XXXX XXXX refuses to answer me. They are not threatening me with foreclosure. i have proof of every single payment made to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
I have 25 inquiries from XX/XX/XXXX to XX/XX/XXXX that dont relate to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.XXXX {$3500.00} XXXX {$12000.00} XXXX {$1000.00} XXXX {$110.00} XXXX {$83.00} XXXX {$980.00} XXXX {$180.00} XXXX {$330.00} CHAPTERXXXXBANKRUPTCYDISMISSED

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 2019-03-01
Company: PREFERRED CREDIT INC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a call on XX/XX/XXXX at XXXX XXXX from XXXX at Preferred Credit trying to collect on a XXXX that I had paid off in XX/XX/XXXX. I confirmed with them that I had made the payoff payment of {$2000.00} on XX/XX/XXXX but they insisted that though they showed I had made the payment it was showing on their system that it was unpaid. They threatened to have this debt negatively reflect on my credit report even though I informed them it was an error. They checked with the manager and said that someone ran it for an incorrect date, and that my balance should be XXXX out in 7 business days. They gave me a call back number XXXX. I do not want this to be reported as an unpaid debt and adversely affect my credit report since the debt has been paid in full. I'm not sure why they would be calling so late to collect on a debt that has been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: SLM CORPORATION
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
XXXX XXXX is making me payback my loans of {$85000.00} at {$1200.00} a month. This is roughtly 41 % of my gross pay every month. After taxes my yearly income is about $ 36-37,000. I am unable to pay 41 % of my paycheck each month for just student loans. This is literally killing me especially with other expenses to worry about.I called the company and they said they couldnt do anything about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT
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:
In XX/XX/2017 I traded a XXXX XXXX XXXX for a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX CT. The dealership fail to send pay out payment. Do to this my credit reflect a 30 late payment. which is inaccurate since I was no longer responsible for the loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
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: Account information incorrect

Complaint:
XXXX is decreasing my score without any reason or shame, my due date is XXXX and I paid before that it showed a {$240.00} balance and reduced my score The Equifax and the XXXX decreased my score without reason. I'm tired of this wrong report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Since the beginning of this year 2023, I have been challenging this credit bureau in writing about information I found on my report that is incorrect, and others outdated. 

And every month, they have been mailing me back a letter stating they would not look into the matter because 'they believe someone else is requesting the correction and that they need proof it's me requesting it '. 

So I'll send the requested information, and my identification AGAIN, just to get the same response letter, AGAIN. We've been doing this same song and dance for 4 months now, and they still don't want to do anything that I know I'm protected by law they are obligated to do. 

This leaves me very skeptical as to why they wouldn't want to remove the incorrect information from my record, let alone the outdated one 's. 

I seek assistance from the CFPB to compel this credit bureau to do what they are required by law to do, since they don't want to solve this with me.

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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Upon applying for a loan for a mortgage, i have received at minimum 50 calls in 2days, while Im at work, acquiring about a mortgage loan. My only assumption is the national bureaus, XXXX trans union and XXXX have sold my information to these companies calling me. Its borderline harassment and stopping me from answering calls i actually need to answer for work

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 2023-07-13
Company: EQUIFAX, INC.
State: MA
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 numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
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 2018-04-26
Company: Bread Financial Holdings, Inc.
State: WI
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:
XXXX XXXX will report current statement balances to XXXX but does not ( two ) updates on XX/XX/XXXX & XX/XX/XXXX doesnt report same updates to XXXX this report they hold at last update of XX/XX/XXXX which shows a much high % use of credit which is not true. It appears as if they are intentionally trying to make my credit look BAD even though it is in good standing ( just my opinion but that seem to be a illegal act unless this is a truely a an honest mistake, Then think they would correct in less then one Hour. But filed complaint with XXXX a week ago they were requesting a copy of credit report but still shows same as XX/XX/XXXX report unlike XXXX  who they have updated correctly twice sence XX/XX/XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I need help I keep getting in accurate reports from XXXX XXXX. com and need help clearing my credit history reports hard and soft because there is a lot that is incorrect

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 2020-10-17
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: Investigation took more than 30 days

Complaint:
i have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and i have not received any investigation results.

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 2019-03-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In 2016, I was charged over {$1700.00} in overdraft charges after chase bank removed my access to mobile bank deposits. I have recorded conversations with bank employees, recorded with their consent, explicitly stating that the feature was removed due to low funding levels in my account, though no official guidelines were ever presented to me, despite multiple requests. My complaint is split into two parts : 1. ) Chase Bank utilized predatory tactics to remove mobile deposit from consumers who would most benefit from the feature. I was forced to incur heavy overdraft fees, many of which were returned when bank employees agreed that fees were caused exclusively due to the removal of that feature. After multiple instances when the bank agreed with my complaints and reversed fees, they continued agreeing but no longer had the capacity to reverse the charges. In one instance, when the city of XXXX was completely flooded and no street access existed to banks or atms, I was still charged a fee, even when I showed the ability to make a deposit as soon as the streets became accessible. Instances such as this occurred on numerous occasions, and each time employees told me that my feature had been removed due to a history of overdrafts, which was entirely created as a result of the removal, itself. This policy of removing the feature for customers with low or negative balances puts us into a purposeful loop of overdraft fees, which bank employees acknowledged as a known problem. 

2. ) I asked on numerous occasions to be given written or formal guidelines about my rights, as a consumer to utilize the mobile deposit feature. While in my recordings bank employees give vastly different answers about the terms of use, none could provide me with clear written rules. Who qualifies for that feature? When will mine be turned on? Why was the feature removed as a result of overdraft fees? All indicated that the feature was removed due to low funds or overdrafts, but none could explain why removal came as a consequence of those facts. Several employees agreed that this was an unfair practice and indicated that numerous customers called in with similar complaints over time. The second portion of my complaint is thus about the bank 's lack of transparency about customer terms of use. 

My recorded conversations with employees are from XX/XX/16, XX/XX/16, XX/XX/2016, XX/XX/16, XX/XX/16, XX/XX/16, and XX/XX/16. In total, throughout that period I was assessed {$1700.00} in fees, though {$500.00} were refunded by employees who agreed that I had done all I could to avoid them.

Company response to consumer: Closed with explanation