BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX, XXXX & XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5500.00} ( Original Creditor : ) XXXX Balance : {$80.00} ( Original Creditor : ) XXXXBalance : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I went to school for two semesters and accumulated a debt over 15000. Lost my job and requested a hard ship and no contact was ever made to let me know options. I have tried to call both companies to work out and debit resolution since they are old and no can locate my account via social or name but are holding me responsible for a debit that can be forgotten a

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Unauthorized use of my credit report. Reporting incorrectly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I initially submitted a dispute with Experian regarding the following accounts reporting on my credit report : XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX This dispute, regarding this unverified and fraudulent accounts was received by Experian, via certified mail, on or about XX/XX/2019. Despite my disputes regarding these fraudulent accounts and my requests for proof of verification of these accounts, Experian is the only bureau that still negligently keeps these unverified accounts on my credit report. The other two bureaus have deleted these accounts, as they are unverified and fraudulent. It has been 63 days and Experian refuses to resolve this issue and I have even been sent a letter by Experian, stating they will not investigate further, when they never truly investigated these accounts in the first place. FCRA states that any account that can not be verified and that is fraudulent must be deleted. Experians willful neglect of the wrong information on my credit report is not only damaging my ability to acquire credit, but is a violation of FCRA. These accounts need to be deleted or I am fully prepared these take matters to the court, retain counsel and sue for the states maximum for each violation of FCRA.

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 2023-06-12
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I request that you eliminate the erroneous late payment from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 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 2019-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone applied a capitol one bank account in my name and I never opened it up at all .... and I was in prison for 6 years and they refused to closed it and told me it will be on my credit report very soon if I dont settle the balance and I called and called they kept denying my claim and holding me responsible for it and said that my social security number was on the file with them for four years or more and I never had a bank account or a job cause I was in XXXX and my wife or her friends may be using my information and capitol one was applied in my name without my permiission

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I was denied a modification based on Negative DisposableIncome. That 's based on my home being valued at XXXX. 
Dollars. I would like a principle reduction. I be leavebased on the true value of my home it will lower my debtand allow me a payment I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: EQUIFAX, INC.
State: NV
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:
This company ran unauthorized credit inquiry on my credit report. This is suspicious to me and so kindly delete asap:XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: BB&T CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
The loan company gave me the loan on a XXXX XXXX XXXX in XX/XX/XXXX for 66 months. According to the bank I had 12 extension which would put the last payment XX/XX/XXXX. I was receiving a monthly phone call and statement saying that I stilled owed XXXX as of this date. I continued send a payment for another nine months until XXXX of XXXX. I consider this loan paid in full plus extra payments. They confirmed that I have made 68 payment at XXXX. Which fulfills the loan requirements, plus two extra payments thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 made a fraud/identity theft report with the FTC XX/XX/XXXX and also sent the credit bureaus a copy of this report as well as a dispute letter with the disputed inaccurate accounts attached with my social and identification card on XX/XX/19. I was informed by the FTC to put a freeze on accounts as I did so as well, the bureaus is still reporting these felonious accts.. 
XXXX. XXXX XXXX acct # XXXX 
XXXX. XXXX XXXX acct # XXXX XXXX. XXXX XXXX  acct # XXXX ... 
XXXX. XXXX acct # 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 2019-01-25
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX  XXXX put an In Collection/charge off status in my account. This derogatory mark has blocked me from getting credit cards, Business opportunities, Apartments to rent, personal loans and others. 

I was never called or notified by this company about this problem. All I know is that I helped a friend buy a car and now he is in prison and the police confiscated the vehicle. He stopped making payments because of this situation and maybe that's why XXXX decided to close the account and put it in my credit. 

However, they never call me once to work out a deal or to ask me what is going on ; thus, I never thought of it, since I did not even have access to this account! 

They just decided to put this derogatory mark on my credit and trying to ruin my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: Navient Solutions, LLC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of ID Theft. I was contacted by the U.S. Secret Service that someone was using my name and SS information. I was informed that XXXX XXXX was arrested and is currently standing trail in US Court. I have been working to clear up fraud on my credit with XXXX XXXX XXXX. When I was contacted that someone was trying to get a job and car in my name in XXXX PA, thats when I pulled my credit report I found more activity that was not mine. I found that accounts she opened are in collections and taxes was filed under my name and my children were claimed on taxes. I am not sure when my birth certificate and SS were stolen somewhere between XX/XX/XXXX-XX/XX/XXXX. The Following accounts are not mine XXXX XXXX XXXX IRS Tax {$13000.00}. Please send my file back to the IRS Fraud dept and please contact the Secret Service ASAP.

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 2019-10-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 non-monetary relief
Consumer complaint received 2022-09-26
Company: SYNCHRONY FINANCIAL
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:
Hello I am a victem of idenity theft. There are a lot of items on my credit I did not use or authorize. I have reached out to credit bureaus and creditors providing them with the police report number and my personsal info. I have gotten zero help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-25
Company: CMRE Financial Services, Inc.
State: CA
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:
Sometime in XX/XX/2017 I became aware of a collection item on my credit report. 

The collection agency is CRME representing XXXX XXXX XXXX XXXX CRME - XXXX XXXX XXXX Immediately upon learning the collection was on my credit report, I called and spoke to a CMRE representative who gave me the account background. This was a medical invoice generated when I went to XXXX XXXX XXXX XXXX XXXX for services. Apparently, one of the attending physicians or labs was a non-provider under my insurance company. I explained to the CRME representative that I had no knowledge of the invoice and that I had never received an invoice in the mail. Upon receiving the name of the physician/lab involved, I contacted them and was told that all information on my account had been turned over to CRME and that they couldn't work on my account. The medical facility confirmed that they received returned mail from my address. Neither of us were sure why. 

Upon speaking with CRME, they too confirmed that mail to me from them was returned undeliverable. Nonetheless, I was told that all they could do to help me was take a payment. So, I paid it once I confirmed it was my debt. The CMRE representative as sympatric to my issue and did offer to close the account for a reduced amount. 

It appeared that I have had no other recourse and was in a never-ending loop. 

In the interim, this collection remains of my credit report with all three bureaus and is driving down my credit score. My FICO score is very important in the decisions I make related to my credit and finances. I think its unfortunate that organizations can make decisions that can ruin your financial future based on not receiving the correct billing information from the primary medical provider.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fifth Third Bank increased our monthly mortgage payment by {$600.00} without cause after buying our mortgage from another bank. In addition they never paid our home insurance account which forced a loss of our 25 year plan and increased our premium by {$1500.00} annually. They fluctuated our mortgage payment several times in one year and then penalized us by hitting my credit so that I could not move banks. No one at this institution will explain the artificial escrow increase even after speaking with the office of the president. We pay our own home insurance and the only escrow is for taxes which have not increased to to justify this surplus. They have ruined our credit, crippled our ability to afford anything for my family over the last two years and people need to be aware they should not bank with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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'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 bureaus must 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 removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-08-19
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am in the process of getting preapproved for a loan. On XX/XX/XXXX, I received information from a Loan Officer that Shellpoint Mortgage had reported me 60 days delinquent on my mortgage in XX/XX/XXXX. I filed a complaint with CFPC XX/XX/XXXX, regarding this situation and Shellpoint responded with a letter dated XX/XX/XXXX, stating they had misapplied the funds and I actually had a credit. I spoke to Shellpoint today XX/XX/XXXX, and was told that I had to send them my credit report in order to have this fraudulent credit reporting corrected. I am not spending money on a credit report or wasting my time correcting Shellpoint 's error. I am requesting that Shellpoint provide me with a letter stating I have had no late payments in the last twelve months.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We purchased a second home for our daughter. The original mortgage was with XXXX XXXX in XXXX, NC. The loan was made on XX/XX/XXXX. We were told that we could cancel the PMI when we had paid loan down to 80 %. The original purchase price was {$88000.00}. After our down payment of {$13000.00}, we financed {$74000.00} for 30 years. The following year, the loan was sold to Wells Fargo. As of today, XX/XX/XXXX, we owe approximately {$69000.00}. We have requested on two occasions to Wells Fargo to have our PMI cancelled. Wells Fargo sent a letter stating that we had to get to 65 % balance of loan to cancel our PMI. We hope that you will be able to assist us in 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 non-monetary relief
Consumer complaint received 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
AccordingtotheFairCreditReportingAct,Section609(a)(1)(A),youarerequiredbyfederallawtoverify-throughthephysicalverificationoftheoriginalsignedconsumercontract-anyandallaccountsyoupostonacreditreport.Otherwise,anyonepayingforyourreportingservicescouldfax,mailoremailinafraudulentaccount.
IdemandtoseeVerifiableProof(anoriginalConsumerContractwithmySignatureonit)youhaveonfileoftheaccountslistedbelow.Yourfailuretopositivelyverifytheseaccountshashurtmyabilitytoobtaincredit.UndertheFCRA,unverifiedaccountsmustberemovedandifyouareunabletoprovidemeacopyofverifiableproof,youmustremovetheaccountslistedbelow.


XXXXXXXXXXXX,XXXXXXXXXXXXandXXXXXXXX

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 2022-09-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I requested that a block be placed on my Equifax The Work Number account on XX/XX/2022 and supplied all required documentation however, I have not received confirmation that the block was created.

Company response to consumer: Closed with explanation