BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
have been disputing a Chapter XXXX Bankruptcy with XXXX since XX/XX/18 and have sent multiple letters asking for verification. XXXX ' last response that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ), that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. As I said, I provided them with a letter from the US Bankruptcy Court in XXXX, NY which clearly stated that they do not provide any information to the credit bureaus. Furthermore, PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, XXXX ' claim that their subscription to PACER was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, ( XXXX XXXX XXXX ) is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance. I have received a letter from the US bankruptcy court saying that they do not report to the credit bureau.

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 2020-10-20
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loans were originated in Sallie Mae. As a XXXX, for years I completed documents with my employer a XXXX  for XXXX  XXXX  to cancel my student loans. After nearly cancelling all of them However, Navient acquired the loans and now it appears I owe them {$27000.00} This amount is appearing on my credit report lowering my credit score. I am aware Navient has a lawsuit for misdirecting borrowers and I believe was one of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Avant Credit Corporation
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: Problem with personal statement of dispute

Complaint:
On Wed, XX/XX/XXXX at XXXX XXXX CST, XXXX XXXX XXXX wrote XXXX To Whom if anyone this may concern : OBVIOUSLY YOU CANT READ DATES AS YOUR ENTIRE REBUTTAL IS ABOUT XXXX NOT THE CURRENT ISSUE XXXX My secondary home WAS AFFECTED BY HURRICANE FLORENCE XX/XX/XXXX. Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX. XXXX changed the address to XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX. I had over 11k in  damages to my secondary home. I work from this home 6 months out of the year and do have an office in the home. I sent you a copy of my insurance claim showing the damage IN THE PRIOR EMAIL. If you had bothered to LISTEN TO THE CALL AS REQUESTED XX/XX/XXXX you would have heard the information. Also your representative was given the info twice I do believe during that phone call. I was advised by your Co. Representative that THE DISASTER ASSISTANCE 90 DAYS no pymts to allow me to make repairs. I was told next pymt due in XX/XX/XXXX. I called in prior to XXXX and requested an additional month extension to complete repairs due to extensive flooding in the area and unable to get to the property due to road closures right away. It was granted. I was then told next due XX/XX/XXXX. I WAS NEVER INFORMED IN WRITING OR OTHERWISE ANY DIFFERENT. I was late making this payment and when I signed in to make the payment, I saw you had the ACCOUNT MARKED INCORRECTLY AS PAST DUE 4 MONTHS. I CALLED IMMEDIATELY. You need to review the initial call requesting disaster assistance. I NEED THIS CORRECTED/MY CREDIT REPORT FIXED ASAP to reflect no late payments. If this is not ESCALATED TO THE PROPER PERSON TO CORRECT, I will seek legal action to resolve, with you using YOUR COMPANY 'S recorded phone call as proof this is what I was informed. This has caused me to be turned down for credit for repair financing, and beyond furious. Someone there dropped the ball or didn't reach out to me to get info if you needed it OR ADVISE THERE WAS EVER ANY ISSUE! XXXX!!!!! I WAS NEVER NOTIFIED AT ALL. I'LL await your prompt reply/correction. 

THIS NEEDS TO BE CORRECTED TO SHOW NO LATES AS PER AGREEMENT WITH YOUR REP FOR DISASTER ASSISTANCE XX/XX/XXXX. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They keep calling looking for my mother, This is my home my phone #, I told them take my number off your call list and never call me again. The first person just hung up on me, They called again I talked to a supervisor told her the same, Do not call, wrong person, wrong number, she asked if I was a lawyer, made a " scuff '' sound in the phone and hung up. Got called again, and spoke with a XXXX XXXX, asked her if any notes on the account mention not to call. She just hung up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: EQUIFAX, INC.
State: OH
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 have previously submitted a dispute due to Equifax not reporting a paid closed account and instead reporting it as open and unpaid. The account in question is through XXXX XXXX, account number XXXX. I paid off this account on XX/XX/2018 for the total amount {$190.00}. XXXX XXXX sent me mail showing the account satisfied and closed. On XX/XX/2018 Equifax reopened this paid closed account to unpaid with balance of {$160.00}. I called XXXX XXXX XX/XX/2018 to inform them and the lady I spoke with told me to directly dispute it with Equifax because them had indeed sent Equifax my file for this account being paid and closed. Equifax had severally damages my credit because of their negligence and I am ready to sue them over this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08
Company: WELLS FARGO & COMPANY
State: NC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I was denied my right to 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 2022-12-14
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have submitted multiple disputes regarding these accounts that DO NOT BELONG TO ME and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are NOT 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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX Balance Owed : {$1200.00}

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 2019-02-21
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: Their investigation did not fix an error on your report

Complaint:
Curious about my credit score, I obtained a copy of my credit report. Upon examination of the report, I noticed that there were some inaccurate items that should not be there. 

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$940.00}, I requested that I would like some type of verification bearing my signature to verify the debt. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.

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 2019-02-21
Company: Experian Information Solutions 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:
Curious about my credit score, I obtained a copy of my credit report. Upon examination of the report, I noticed that there were some inaccurate items that should not be there. 

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from US Dept of Ed, account # : XXXX, claiming that I owe {$1200.00}, I requested that I would like some type of verification bearing my signature to verify the debt. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.

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 2022-09-13
Company: Dovenmuehle Mortgage, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was recently transferred from Dovenmuehle Mortgage to XXXX XXXX in XXXX. All of their written communications said that any payment made to Dovenmuehle before the transfer for XXXX payments would be automatically forwarded to XXXX XXXX. I made a mortgage payment for the month of XXXX to Dovenmuehle on XX/XX/XXXX for {$840.00}, before the transfer of mortgage took place, with the understanding that the payment would be transferred automatically to XXXX XXXX. It still has not been. In order to pay my mortgage for XXXX through XXXX XXXX I had to pay the XXXX mortgage AGAIN since they would not accept payment for XXXX without the payment being processed for XXXX, which Dovenmuehle or XXXX XXXX still haven't processed, so I have now had to pay my mortgage for XXXX TWICE, which I can not afford. Neither companies is able to help me or tell me where my money is or when it will be transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Transunion 's Credit Bureau XXXX XXXXInquiry date : XXXX XXXX, XXXX. No amount, I called and talk to one of the customer rep and she stated that there is no account in my name and she will send the information to the credit bureau to get removed but that haven't happen as of yet. 

XXXX XXXX -Inquiry date :XX/XX/XXXX. No amount, I called and talk to one of the customer rep and he stated that there is no account in my name and she will send the information to the credit bureau to get removed but that haven't happen as of yet. 

XX/XX/XXXX-Inquiry date : XX/XX/XXXX No amount, I called and talk to one of the customer rep, why do I have 2 inquires one from Transunion and one from XXXX. They couldn't give me a valid answer so this transaction never got completed and called to get it removed since but no resolution on this issue. 

XXXX Credit Bureau EXXXX MORTGAGE SER -Inquiry date : XX/XX/XXXX. No amount, I called and talk to one of the customer rep to get a called back to discuss why was my credit pulled, when all I wanted to know was the process and get some information how long from start to finish it will take. Received a call back and stated by the rep that after 3 Months a mortgage inquiry will not hurt my score. But he was missing the whole point it shouldn't have been on my report at all because I was trying to get information and procedures. 

XXXX  Credit Bureau XXXX -Inquiry date : XXXX  XXXX, XXXX. No amount, I called and talk to one of the customer rep, why do I have 2 inquires one from XXXX and one from Transunion. They couldn't give me a valid answer so this transaction never got completed and called to get it removed since but no resolution on this issue.

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 2020-05-29
Company: Experian Information Solutions Inc.
State: WY
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:
XXXX I have made several attempts through experian to fix my credit rating due to incorrect reporting on my credit usage my credit card has a XXXX balance and experian reported I had utilized 96 % of my card. I have called and made several disputes because I want it updated 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 2019-02-21
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:
Curious about my credit score, I obtained a copy of my credit report. Upon examination of the report, I noticed that there were some inaccurate items that should not be there. 

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$1200.00}, I requested that I would like some type of verification bearing my signature to verify the debt. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
Summary : I want to be reimbursed for the {$20.00} I 've spent freezing my credit with Experian and XXXX. The CFPB should be investigating these fees. 

Hello there, I thank you for your time and your patience. I 'm sure you are being slammed with requests right now. As an American citizen, I am thankful that we have people like the CFPB to field these complaints. 

Due to the recent XXXX breach in XXXX of 2017, I wanted to freeze all access to my credit reports by any of the existing credit bureaus. Though XXXX reportedly claims my information was not breached, my partners data was, and we both attempted to freeze our accounts, in case XXXX  was incorrect. 

I was astonished to find that XXXX, Experian, and XXXX are not only hawking additional protection services as a result of this breach, but still fully expect consumers to PAY to freeze their credit reports. 

XXXX seems to have done the right thing in offering freeze services for free ( temporarily ), but I am shocked that I had to pay {$10.00} each to Experian and XXXX for these services. 

I would love to be reimbursed for these ludicrous fees ( {$20.00} is {$20.00} more than they deserve in my opinion ), and I would love nothing more than to see the CFPB investigate these companies to help protect consumer data in the future.

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 2020-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
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:
After recently reviewing my credit report, I noticed several inaccuracies including accounts that never belonged to me as well as accounts that are closed and are displaying they are open. One particular account is a Capital One account # XXXX last reported on XX/XX/XXXX is an account where I am listed as an authorized user. The issue with this is my  grandfather whom the account had belonged to has passed away. In addition I have reached out to Capital One on several occasions regarding this issue which they inform me that the account is no longer reporting to the credit bureaus. This account is appearing on both my XXXX  and XXXX  credit report.

Company response to consumer: Closed with non-monetary relief