BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-17
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: Credit inquiries on your report that you don't recognize

Complaint:
Delete hard inquiries listed. 
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 2021-09-09
Company: EQUIFAX, INC.
State: AK
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: Experian Information Solutions Inc.
State: NJ
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:
Someone opened up a XXXX  XXXX car loan and credit card in my name. This is Identity Theft. The Car Loan account was opened on XX/XX/XXXX, Account number beginning with XXXX. The Credit Card account was opened on XX/XX/XXXX, account number beginning with XXXX. I tried to dispute these fraudulent accounts over 8 months ago but the accounts are still illegally reporting to my account.

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 2023-03-26
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:
Experian consumer membership platform suddenly showed XXXX points drop retroactively ( backwards 6 months lowered from Excellent to Good ), while other platform services, including reuse of Experian 's data remained intact ( XXXX points higher in the 6 months unaltered ). 

Informed Experian, but customer service kept sending feedback as they do not control FICO calculation, instead of investigating how the consumer platform and possibly its own record keeping system could have been compromised to lower XXXX points backwards in time for 6 months. 

The annotation of few points lowered this month, does not equate to about XXXX points displayed lowered.

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 2021-01-26
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I paid this amount for past due electric on my very first apartment in XXXX added this to my power and shut my power off until it was paid off on XXXX. This should be removed with any decency but legally is reporting incorrect information this account was paid in XXXX  not opened.I can no longer access the account payment details but attached the email confirmations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: EQUIFAX, 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:
As of XX/XX/2018 after 4 rounds of credit repair, I received updated credit reports from XXXX XXXX, Equifax and XXXX   stating that the accounts on my report have been updated and for me to personally contact the collectors for any information. My rights have been violated per the FCRA and the FCPDA. These Collection accounts have not been properly verified by the 3 credit bureaus per the FCRA nor have they been validated by the collectors per the FCDPA. There has been no original instrument of the debt such as a signed contract presented to me by either of the parties. I have personally reached out to the collectors over the past 2 months asking for validation of this debt and what I received was the copy of a bill. Anyone can create a bill and place my information on it. This is not 100 % Verification nor is it validation. My credit is being held hostage by this. Laws have been violated. I have certified receipts from the correspondence that I sent to XXXX XXXX, Equifax, and XXXX as well as XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX that I'm attaching. These accounts are hurting my credit, im trying to buld a future for my children by purchasing a home and this has stagnated that process. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hello there, I just received a message from PayPal telling me the reasons why they are closing my paypal account and I got this to tell them : On the informations I provided to them, I told them that the account : XXXX is used by my mother XXXX XXXX and I still live with her. About the chargeback, I sent her money using my paypal MasterCard. A few days after I sent her the money, I saw that on my credit card it was saying I paid for a service to XXXX XXXX and I got confused so I told to The Credit card departmemt to look for the person. It was until my mom log on her account and found out that her PayPal is negative, that I noticed she might be XXXX XXXX. The reason I asked the credit card company to report the transaction is because I didnt know who XXXX XXXX was and it didnt show up on the credit card that I sent money to my mom ( XXXX ). As soon as I noticed that I immediately called the credit company and told them to cancel the fraudulent activity and send the money back to my mom. You can ask people from XXXX XXXX they will told you what I just said. 

PayPal is going to close my account and thats unfair. Ive never have any issue with PayPal in the past and theyre trying to close my account just because of a misunderstanding?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-08
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
i am late on a payment and card member service contacted my employer and shared my payment and account information with my supervisor. the date this took place was XXXX/XXXX/XXXX during business hours

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 2017-11-08
Company: Selene Finance LP
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:
Please see various incidents in regards to this loan. Credit reports are not showing the correct information. Thus, we are unable to refinance our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts 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 explanation
Consumer complaint received 2021-12-03
Company: Nelnet, 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:
This is XXXX XXXX who is submitting this CFPB complaint myself. NELNET LNS is reporting late, yet it is closed and the balance is zero as reported in XXXX  and XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( NELNET LNS XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Ive been having monthly service fees taken out of my account from Wells Fargo. Theyve been hitting me with fees even though I have direct deposit set up. My account ended up overdraft & they claim that they have put the money back into the account but they have not put all of it back.

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 2021-06-26
Company: Southern Oregon Credit Service, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed the account information with these collection companies and credit bureaus. 

This collection companies is violating the FCRA mandates Inaccurate Information-Errors include incorrect activity dates, account status, ammount owed, past due amount, date of last activity, etc Incomplete Information-Fields are left blank Unverifiable information-There is no contract with these people. My identity has been stolen and I have so many inquiries into my credit report from companies. I have misspellings of my name. 

This company must STOP reporting this account on my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank / Mortgage : Sun Trust now Truist ( after merger with original holder BB & T ) Client : XXXX XXXX XXXX Property : XXXX XXXX XXXX, XXXX NY XXXX Loan # : XXXX Subject : Conversion from non-escrow to escrow For over 12 months, I was notified in writing by both BB & T then SunTrust/Truist that if taxes were not paid then the mortgage company would automatically create an escrow, pay taxes and re-establish a new payment plan. 

I have been inquiring with SunTrust/Truist about this action item for an extended period of time. On every call, a Client Services rep would reiterate the process and tell me it would be put into motion. On multiple occasions, I was provided dates on when the Escrow Department would take action. Nothing ever happened. I also asked who I should direct the money that I saved for taxes. Every time, a SunTrust Client Services rep would tell me to hold payment to the municipality and wait to pay them when the escrow was established. As of today, XX/XX/2020, minimal action has been taken and we are now at risk of losing the house to public auction. 

Sun Trust/ Truist turned a simple request into a convoluted mess. Aside from being a victim to their poorly executed process, I am now pleading with the local municipality on how to keep my home. I'm asking for CFPB to intervene and help expedite the escrow process. The goal is to keep my home and not displace my family. 

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 2020-12-01
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: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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, 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 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 an account without my written instructions.

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 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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 disputed XXXX XXXX XXXX account and it was not verified with my signature on any contract.by law, the 3 credit agencies are supposed to provide me with a wet signature for verification and they did not. This account is hurting me from refinancing my current home. I disputed this over 30 days ago and this needs to be deleted from all 3 credit agencies.

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 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

540

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 2023-03-26
Company: EQUIFAX, INC.
State: TX
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 am filing a formal complaint regarding the violation of my rights under the Fair Credit Reporting Act and 15 USC 1681 by consumer reporting agencies, as I am a natural person with federally protected consumer rights to privacy and confidentiality. The following items on my credit report have been furnished without my permission : XXXX XXXX XXXX This violates my rights under 15 U.S.C 1681 section 602 A, which grants me the right to privacy. Furthermore, 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Additionally, 15 U.S.C 1681c. ( a ) ( 5 ) Section States that no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

Moreover, the consumer reporting agencies have violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ), as multiple billing errors have been found in my credit report. 15 U.S. Code 1666 ( b ) billing error states that a creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor on a statement or a computation error or similar error of an accounting nature of the creditor on a statement is a billing error. As I did not receive a statement from the creditor notifying me 21 days prior to the due date, there should be no late payments on these accounts. I demand to see hard, solid proof from the creditor 's bank account that I did not pay and was marked late because this is clearly a billing error. The following account should be updated as agreed on my consumer report. 

XXXXXXXX XXXX XXXXXXXX As a consumer, by law, these accounts on this letter must be updated immediately, or I will seek monetary compensation for the violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability. 

In addition, I would like to report fraudulent inquiries that were made on my credit report by companies that I did not authorize to access my credit. These inquiries are as follows : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Credit Bureaus/mortgage Processing I have contacted these companies, and they have no proof that I have authorized these inquiries or permissible purpose. Therefore, I request that these inquiries be removed immediately. 

I have already reported this matter to the Complaint Portal for the State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I got a debt collection on a credit card they i was paying on never was told they was close this credit card i never got a called or email

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 2019-08-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 at XXXX XXXX, I received a voicemail message from my loan servicer, PennyMac to call them regarding a "problem" with my account.  I called them back and spoke with someone named XXXX.  She said that my account was approximately XXXX  short.  I don't remember the exact dollar amount.  She then said the payment was not applied correctly and for me to hold on while she had the payment applied correctly.  She then comes back on the line and says "did you get your escrow statement?"  I said yes and I sent the extra escrow payment along with the regular payment (actually, I sent more than the regular payment).  I told her that I had proof that both payments were received but she did not believe me.  She said well the amounts don't match up and we haven't received any payments.  She first said the payment was not applied correctly, but now she is saying that they did not receive "any payment".  I explained to her that I had proof that both payments were received.  She then said well you need to work that out with the Escrow Department.  I took her tone to be very condescending and disrespectful.  I was not surprised, because this is the case with just about every employee I've spoken to atg Pennymac.  I 100% dread calling there for any reason because I know the call is not going to go well.  It's as if they teach their employees how to frustrate their customers.  At any rate, she had me on hold for over 10 minutes until I had to hang up.  I go to work to work, not sit on hold while your employees disrespect me.

Company response to consumer: Closed with monetary relief