BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
Company: EQUIFAX, 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:
After carefully reviewing my consumer report XXXX XXXX, Equifax LLC, XXXX XXXX, and XXXX XXXX XXXX are in violation of my consumer report. I have a right to privacy and they have a RESPONSIBILITY that they have completely disregarded to keep my non-public information PRIVATE. the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. In addition, 15 USC 6801 states that reporting agencys have an obligation to keep my NON-PUBLIC information private. Which is obvious XXXX XXXX has not. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX never gave me the option to OPT OUT of credit reporting. With that being said Ill add that 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. Well Im opting out of credit reporting services IMMEDIATELY since XXXX failed to comply with the law and decided to SELL my personal information without my consent. Finally, 15 USC 1681C ( a ) ( 5 ) states no consumer reporting agency can report ANY other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Which Ive never been convicted of a crime but XXXX should be for defamation. 


XXXX, Equifax, and XXXX are in violation per 15USC 1681a ( 2 ) ( a ) ( i ) stating- the term consumer report does not include : all transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: MOHELA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hello, My federal student loans were recently switched over to Mohela last month. I am enrolled in the XXXX program - currently with XXXX approved monthly payments. 

On XX/XX/2022 I submitted an updated XXXX form in order to update my qualification status towards the 120 monthly payments. 

On XX/XX/2022 I tried calling the Mohela XXXX help line to see what the status is regarding the form being reviewed, as my online account says the form is still in processing. However, I ran into an issue with the customer service prompt when calling Mohela. 

The Mohela automated call system required me to enter my social security number and date of birth in order to proceed to speaking with an actual agent. I entered this information into my phone when prompted, but the automated system said I also did not have an active account ( despite the fact that I can log into a Mohela account and see my information ) and it sent me back to the beginning asking for the information again. I tried entering this info a few times but was unable to get through. 

Just in case there was an issue with the PSLF system, I tried calling the regular Mohela ( non PSLF ) help line and was asked for the same info from that automated system. 

I am requesting help from the CFPB because we can not get in touch with an agent, I am now concerned that my XXXX form may not have been received, and that there may be a potential issue with my account, as the automated system did not recognize my SSN & DOB. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2019-12-20
Company: Experian Information Solutions Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Remove this account from my credit report this account was opened in a FRAUDULENT THANKS

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 2019-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I do not recognize these accounts. I have contacted the creditors but they have failed to provide me with necessary documents that will prove these accounts are mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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: Didn't receive services that were advertised

Complaint:
I applied for a Kohls credit card. The first time I did I didnt get it. So I called them they said that they would send another one. Didnt receive it either. But it shows on my credit. It hasnt been used as far as I know. I want this canceled and off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I went to Wells Fargo in XXXX to advise them that, as a result of a XXXX, traumatic event, and various health problems that resulted in hospitalization, I would have no income for the remainder of 2017. Thus, I would be unable to make my upcoming credit card payment. I asked them to discuss options to pay off this debt without incurring late fees, severe interest charges, and so on. 

They advised me to NOT make a payment on the account and that once a certain amount of time passes, they would be able to assist with refinancing this debt ( they even provided the specific options that would be available, such as switching the debt to a XXXX interest card ). They assured me that since I was a Wells Fargo customer for XXXX years and never missed a credit card payment, they would be able to work with my situation. 

Per their instruction, I did not make payments and went back to Wells Fargo after the suggested timeframe ( into XXXX ) so that I could discuss this with them as well as discuss why I was charged fees even after speaking with them. Then they advised me that they can not do anything to refinance and I am required to pay the balance. 

I have incurred {$500.00} worth of fees in the timeframe during which I was sick and hospitalized on numerous occasions.

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 monetary relief
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To : Trans Union I write to advise you that I plan to file a lawsuit against you in the United States District Court XXXX XXXX XXXX Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the XXXX XXXX XXXX XXXX Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.

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 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a letter to the credit bureaus on XX/XX/2020 to remove the following incorect addresses and incorrect names from my credit report. I have not received any mail back from them and I have proof of mailing. It has been over 30 days, I demand that the following information be deleted : Transunion Incorrect Names : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, Transunion Incorrect Addresses : XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX Incorrect Names : XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX Incorrect Names : XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Proof of mailing to bureaus and proof of identification is attached

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 2020-11-25
Company: Experian Information Solutions 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:
These are not my accounts listed. I don't have any medical debt, nor did I go to any doctor. Additionally, these medical companies supplying data to the the bureaus is in complete violation of the fair credit reporting act. I am not a credit repair company nor a mortgage company, but looking at the laws, I know this is a violation. Please remove them immediately. This also applies to the inquiries that are listed in this report as I did not authorize these companies to run my credit.

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 2019-12-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Reputable banks ( XXXX, XXXX ) link all accounts under a given SSN, so that the person in question can see any accounts he / she has open with that institution. No surprises, no phantom cards opened under your name that you didn't know about. Because when you log in, everything under your SSN is in one place.

Citibank, by contrast, deals in obfuscation. You can have 10 years of different bank accounts and credit cards with them. All accounts are under the same SSN, same contact info, mailing address, and the like. Yet all tend to have different logins. They don't link automatically. If you weren't aware that an account was opened in your name or a duplicate card was sent to you with a different number, you would not know it unless you knew the card existed and found a way to link it, through extra steps, to your primary account. 

This obfuscation ( not linking accounts ) facilitates fraud. But it helps CITI charge usurious interest rates to unsuspecting people. People who, because the accounts aren't linked under the SSN, didn't even know a given ( often fraudulent ) account existed. 

That is what happened to me. Citi sent a phantom card. Charges were made to it. I had no access to it. It didnt ' appear under my normal Citi account - set on autopay. usurious interest accrued. I never received a paper statement. And now they are trying to pretend this is ok. 

This deliberate failure to link accounts perpetuates wholesale fraud against the nation. It needs to be addressed. 

As for me, I need all interest charges waived on this phantom account ending in XXXX. I need the account closed. I need a paper statement of all charges so I can see what was fraudulent. I also need all Citi account linked to my SSN closed. I just can not trust them any more.

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 2023-03-14
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: Account status incorrect

Complaint:
I was in contact with XXXX in the beginning of XXXX. I was told I was able to refinance my loan and because of the CARES Act, the late payments on my credit report would be deleted. XXXX has updated this account on my credit report without updating the late payments. I want this issue resolved and the late payments removed from my credit report 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 explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: KY
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 one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2019-12-20
Company: Experian Information Solutions Inc.
State: WI
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:
I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened.

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 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2023-08-09
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:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate 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 non-monetary relief
Consumer complaint received 2019-05-01
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:
I call the credit bureaus and told them i was a victim of identity theft. I was told to send all the proper docs to get these account removed. I sent in everything they ask me to and the accounts are still there.

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 2021-01-31
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We were not able to successfully apply for a loan with Citibank Mortgage. 

On XX/XX/XXXX we contacted Citibank in the interest of applying for a first time home buyer XXXX loan. We were assured that we qualified for a specific XXXX loan product. A Rate Lock document was issued on XXXX. A loan commitment letter was issued on XX/XX/XXXX for a different XXXX loan product at a higher interest rate. Upon inquiry, the mortgage loan officer explained that our income was above the limit ( even though he told us for the six weeks prior that we qualified for the program ) and was not interested in revisiting a possible flaw in how Citibank calculates income limits for freelancers/contractors/gig economy workers. The loan officer agreed that the loan commitment letter 's interest rate was above market rate. As a result, we cancelled the XXXX loan application and started a conventional loan application on XX/XX/XXXX. 

On XX/XX/XXXX, we asked our loan XXXX for a date when the the loan commitment letter would be issued because an extension was required on the loan commitment letter submission date per the contract. Citibank said XX/XX/XXXX. On XXXX we followed up with the loan officer about the XX/XX/XXXX contractual deadline and was assured letter would be issued by this date. On XXXX we checked in with the loan officer again and was informed that the letter would not be issued by XX/XX/XXXX because it is still in the underwriting queue. Nothing changed between XXXX and XXXX. We escalated to the loan officer 's manager and also notified our lawyer. 

The seller kindly extended the loan commitment letter deadline to XX/XX/XXXX. The loan commitment letter never arrived on XX/XX/XXXX, though the loan processor periodically notified us of the lack of progress. The loan application was cancelled on XX/XX/XXXX. 

The hardest part about this situation is working with liars and a non-functional online mortgage portal. Expectations were set that could not be met. Instead of guiding the customer through an evolving situation, especially during a pandemic, Citibank 's staff broke promises that put our first home purchase in jeopardy. Since they were not proactive and transparent about what was happening, we were not able to be proactive or transparent with the sellers. One quick note about the online mortgage portal : while we were able to upload required documents in the online portal, the loan application staff weren't able to access them so we sent all of our documents multiple times via secured messaging. This should have been a red flag about how difficult and frustrating would be to apply for home financing with Citibank.

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 2023-02-02
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: Investigation took more than 30 days

Complaint:
Noticed CFPB # XXXX Was never registered with supporting Documents HOWEVER XXXX was sent with supporting documents Registered Letter see attached XXXX has taken all 5 months with frivolous responses SEE ATTACHED the Ca attorney General has been notified XXXX AS WELL SENT REGISTERED LETTER This does not meet exstensions to prolong ALL BOTH AGENCIES RECEIVED DOCUMENTATION THAT QUALIFIES IMEDIATE REMOVAL AND CORRECTIONS EXAMPLE LISTING COMPANIES THAT ARE LISTED UNDER BANKRUPTCY also I would like to add XXXX and there employee XXXX has been asked to be removed from my case as well CA Attorney General was notified as well HE THINKS ITS A JOKE refer to recorded phone calls

Company response to consumer: Closed with explanation