BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I pulled my credit report XX/XX/2022 I sent XXXX, Transunion, XXXX Investigation Request letters to make sure it was 100 percent accurate information via 15 U.S.C. Sec. 1681i ( a ) If not I asked it to be deleted. In the letter it was 30 days giving to investigate and respond with a updated report to be sent back to me after the investigation. I never got a reply from neither of the Credit Bureaus mentioned above. I also sent them the violations on the credit report highlighted where it was not 100 % accurate. They disregarded my letters for the investigation and did exactly what they wanted to do. Now after all of that they tried to update everything to make it look as if it was accurate. Knowing it is XXXX dollar fine for every violation or they must delete the account. They choose to act if the account was 100 percent accurate by changing everything around. I have proof it was inaccurate before they updated the credit reports. The updated credit report will also be in the attachments.

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 2021-07-04
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I sent a letter previously ( XX/XX/2021 ), asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XX/XX/2022, I disputed an account reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. 

I was informed on XX/XX/2022 that the item was deleted from my credit report. 
Now I have discovered that the item has been inserted on my credit report on XX/XX/2022. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the 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 non-monetary relief
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was XXXX  due to XXXX  from XX/XX/XXXX to XXXX XXXX. 
on XX/XX/XXXX my wife called XXXX XXXX to notify them of my XXXX  and ask for an extension or forbearance for the upcoming payment which was due between She was told that they would process the forbearance and email me confirmation. I received no emails or confirmation. following release from the hospital realizing they had not responded or confirmed the forbearance i made the payment over the phone. 
they still reported a thirty day late on my credit report and it has caused a substantial drop on my XXXX XXXX. 
I would like the XXXX  day late deleted 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 non-monetary relief
Consumer complaint received 2018-04-14
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
While checking my Credit/Score Report from Experian I came to notice missed information and I decided to complaint. 
I were reading " Concerning what's hurting my Score? " - " Short Account History " : Experian refers credit History within 25 years helps for a better score and mine are only 19 years 4 months, I came to figure out while blinked my left eye and start laugh on that, well came in my mind more then that. 
My question to this ; does Experian manipulates or try consumers look foolish? 
Well, I may offer my help to remember Experian the following : I purchased a house in XX/XX/XXXXat XXXX XXXX XXXX, XXXX XXXX RI XXXX, payment mortgage to XXXX XXXX XXXX, XXXX MA, I purchased a new car year XX/XX/XXXX, a XXXX XXXX and payments to XXXX. 
Well, even taking the latest date XX/XX/XXXX+ 25 = year XXXX, more then 25 years to present date, isn't true????? 

- " Seeking Credit " : How many do refused to open an account/card when shopping and the Commercial Retail are inviting consumer to have their own card from store. 
Experian does supply a report without be register as an hard inquire? or Experian does contradict the fact " more credit more power '', isn't true? 

- " Serious Delinquency " : One account within 60 days payment due. It is if Experian wants to prevail what are considerate wrong on their point of view that others 2 Credit Report Agencies don't see. When Experian does not want accept proves that all process are mislead. 

Enough reasons to ask, are Experian a honest or trustful credit report agency, does manipulate reports within second intentions, or a joke? I have my own 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 2018-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
. I have a banking account at Bank. I deposited a check last week into my account and Im having a real bad experience with the bank. I called to see where my funds are and somehow nobody knows where they are. I was wondering if you can help we with locating my funds. 

Thank you for your time,

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 2023-08-08
Company: Mr. Cooper Group 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:
Greeting, I am XXXX XXXX XXXX XXXX military. 
I was XXXX overseas for almost 5 year my home Mortgage was originally with XXXX which sold or transfer everything to Mr. Cooper. While overseas I suffered with many set back. 
1 ) my wife and kids get stock in the XXXX XX/XX/XXXX for 9 months with my XXXX XXXX XXXX due to XXXX while I XXXX and at the same time I had a leak in my house which take months to figure out. 
2 ) My XXXX passed away XX/XX/XXXX due to XXXX and I was contact by the XXXX XXXX for funeral arrangement while XXXX. 
I came back from the funeral back in XXXX. I suffered a back injury on XX/XX/XXXX for which I am in XXXX duty. Mr. Cooper contact me about the change changes which I explain to them I was overseas. They never never stop calling my and reported me to the credit bureau. I am respectfully ask to delete and remove the late fees from my record please. thank you

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 2021-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
My Husband, XXXX XXXX, applied to multiple Credit cards companies without my knowledge. He financially abused me and did not let me have access to see the debt on the credit cards he was accumulating. We are in the process of a divorce now, and I discovered all these cards under my name after filing for divorce and checking XXXX XXXX. I have filed a police report that is attached. I have filed fraud for all the cards as well.

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 2021-07-04
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: Was not notified of investigation status or results

Complaint:
I sent a letter previously ( XX/XX/2021 ), asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was young man and had no idea how much credit played in your life. I wasn't aware it was a necessity to live and could affect you so tremendously. As I got older I started learning more about credit and realized I should be monitoring it frequently. Looking upon my credit reports and open accounts, I saw an account that I didn't understand or recognize. In which I realized my identity had been used in my youth years which I didn't authorize or aware of. I have a credit inquiry on my credit report that I did not authorize such as : XXXX XXXX XXXX My address is incorrect on the report. My address is XXXX XXXX XXXX XXXX, XXXX XXXX fl, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During a recent credit inquiry it was brought to our attention that there is a discrepancy from the time our home loan/mortgage transferred service from XXXX to your organization SLS, in XX/XX/XXXX. According to the report, one payment is being reported from SLS as 60 days late ; however, this is not accurate and is unjustifiably creating a crippling effect on our credit score. 

We have provided documentation of our last ( XX/XX/XXXX ) statement from XXXX amount due was for XX/XX/XXXX payment. We were informed in XX/XX/XXXX that our servicer would be changing to SLS and that we would be contacted by them with further account and payment information. We spoke with a SLS representative XX/XX/XXXX, we were informed that our total amount due was {$940.00} and we made a payment via telephone at that time. We continued to make regular monthly payments to SLS in the amount of {$1000.00} from XX/XX/XXXX current ( XX/XX/XXXX ) documentation included. 

We have spoken to SLS representatives over the phone many of times regarding this discrepancy. After extensive wait times, often 15-20 minutes, disconnected calls, and being told the person/supervisor that can help you in not in/available, a representative from SLS has informed us that we were delinquent from  XXXX and that delinquency was transferred over to SLS.

We understand our mortgage servicer may change and we do not have control over this process. However, you SLS as the servicer, have a legal obligation to protect us as the consumer through this process. This trust has been fractured through the lack of communication you have been able to provide, despite our efforts to get this resolved in a timely manner.

Again, as you requested we have attached the last statement from XXXX in XX/XX/XXXX and payment documentation from XX/XX/XXXX-XX/XX/XXXX. In all of the correspondence we have had with SLS, not once were we notified of an outstanding balance or have been asked to make a payment more than our current monthly obligation.

This mistake during this transfer of lender service to SLS has caused a significant burden to our family and your actions through our initial encounters to discuss, review, and resolve this issue have been less than helpful.

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 2023-09-25
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Card was set to auto pay, which stopped without notice, accruing several months of late fees. During this period, monthly emails that had been sent reminding me of payment also stopped. Issue was only discovered after a drastic drop in credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Chime Financial Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
on XX/XX/23 my phone was stolen at my neighborhood pool and the thief got into my account and transfer IRS check out of my account in the amount of XXXX. I sent in all necessary documents such as a police report and FBI report. The investigation team sent me documents of how the investigation came back as no error and it showed the IP of my phone that was stolen and the times of when the transfer happened i also had a XXXX XXXX XXXX XXXX and im seeing XXXX XXXX listed on the investigation doc & i now have a XXXX XXXX XXXX & also had an address that was 28 minutes from my home address that i have no knowledge of when the transfer happened. They also dont have the name of financial institution that initiated charge on the document.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Moneytree Inc
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
Hello, in the last four years. I have received numerous loan updates from several line company's..i think there a social security number issue. Please help me in this issue. Sincerely XXXX XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Nelnet, Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I applied for a student loan but did not end up attending the school and the loan has been returned in its entirety with nothing furthered owed. Nelnet was first loan servicer and transferred the loan to XXXX who returned the funds that had been disbursed. Nelnet continues to report that I owe them XXXX despite having transferred the loan to another servicer who then returned the funds. How do I compel Nelnet to update their report to reflect loan status? 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: TX
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:
By the provisions of the Fair Credit Reporting Act, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) I am sending this complaint to request that the account XXXXXXXX XXXX XXXXXXXX which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. It is not authorized that CREDIT BUREAUS fail to validate this reporting account as unverified information without providing any proof within the period allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
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: Information belongs to someone else

Complaint:
I AM VICITM OF AN IDENTITY THEFT, PLEASE SEE THE ATTACHED IDENTITY THEFT COMPLETED AND VERIFIED BY ME. SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT ACCOUNT, THE CHARGES ARE FRAUDULENT, AS WELL AS THE ACCOUNT. SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE. PLEASE MY REQUEST TO YOU IS TO HAVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Nelnet, Inc.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2023 I submitted a payment for all eight ( 8 ) loan groups as part of my account totaling 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 All of the payments have been processed except for loan group AD. This payment is shown on the confirmation email that I received from Nelnet on XX/XX/2023. This amount was deducted from my bank account on XX/XX/2023, but has not been deducted from my student loans which are continuing to accrue interest daily on an incorrect amount. This is the second month in a row Nelnet has made this same mistake. It is impossible to contact the company without spending 2+ hours on the phone on hold. 

I expect immediate resolution from Nelnet, as well as a guarantee that this will not continue to happen on a monthly basis for the duration of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party

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 2017-02-18
Company: Williams & Fudge, Inc
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
The debt collector repeatedly states that they " work '' for the public university, XXXX. They claim they work directly for XXXX University and have to make all decisions with the university, never mentioning " Williams and Fudge '' as their employer or admitting they purchased my debt.

Company response to consumer: Closed with explanation