BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Subject : Request for Removal of Unauthorized Late Payments in Accordance with Applicable Laws Dear [ CFPB AND CREDIT BUREAUS ] Customer Service, I hope this letter finds you well. I am writing to bring to your attention a matter that requires immediate resolution. I have recently discovered unauthorized late payments on my account, which I believe are in violation of the four laws established to protect consumers ' rights. 

The unauthorized late payments in question occurred and I would like to request their immediate removal from my account in accordance with the following laws : 1. Fair Credit Reporting Act ( FCRA ) : This legislation ensures the accuracy, fairness, and privacy of information reported by credit reporting agencies. The unauthorized late payments are inaccurately reflecting on my credit report and must be rectified promptly. 

2. Fair Debt Collection Practices Act ( FDCPA ) : As a consumer, I am entitled to fair treatment by debt collectors. The unauthorized late payments were not authorized by me and should not have been reported to any credit bureaus. 

3. Truth in Lending Act ( TILA ) : This act provides protection to consumers in credit transactions by requiring clear disclosure of terms and costs. The unauthorized late payments were not disclosed or agreed upon in any contractual agreement. 

4. Electronic Fund Transfer Act ( EFTA ) : This act safeguards consumers in electronic fund transfers, including unauthorized transactions. The late payments were not authorized by me and therefore should be considered unauthorized electronic transfers. 

I kindly request that you investigate this matter and take the necessary steps to remove the unauthorized late payments from my account and correct any negative impact on my credit score as a result of these inaccuracies. I expect a written confirmation of the actions taken to rectify this situation within 30 days of receiving this letter. 

If necessary, I am prepared to take further action to protect my rights under the aforementioned laws. I hope we can resolve this matter amicably and promptly. 

Please feel free to contact me at [ Phone Number ] or [ Email Address ] to discuss this matter further or to provide any additional information you may require. 

Thank you for your attention to this matter. I look forward to a timely resolution. 

Sincerely, 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 2019-12-18
Company: WHEELS FINANCIAL GROUP, LLC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
LOAN NO.XXXX Gentlemen, On XX/XX/2019 I applied for a Title loan from XXXX, I was approved on XX/XX/XXXX and ever sense I have been trying to set up my account on line to be able to check my information and most important, to be able to make my payments and have not been able to do so. I have repeatedly contacted XXXX  over the last three weeks, have spoken with several customer service reps, I have been given via email several passwords and to no avail I still can not access my account An hour ago I spoke with a " Supervisor '' by the name of XXXX XXXX who had no clue and did not have a solution to my problem, I asked her to switch me over to the IT department and she told me the speak to no one, then I suggested we did a three way call and she also refused to do so. After 20 minutes of getting no where with her she told me to contact their compliance department and that was the end of the conversation. 

I HAVE NEVER HAD SUCH BAD EXPERIENCE WITH A FINANCIAL INSTITUTION IN MY LIFE AND DEEPLY REGRET HAVING GONE OUT OF STATE TO GET A LOAN. 

Having said this I would appreciate that your agency expeditiously act on this complain and have this someone in this IT department for this company to contact me in order to resolve this issue once and for all. 

Sincerely angry XXXX XXXX Tel XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX email XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: EQUIFAX, INC.
State: MD
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX, the company Navient attempted to contact me, XXXX XXXX, looking to reach another person, XXXX XXXX. I am related to XXXX XXXX, but I am distressed that they would call me looking to reach her. I have not been listed as an emergency contact or anything like that. Since they are a XXXX loan company this feels predatory. Researching and finding other relatives ' phone numbers to attempt to try and reach that person is a violation of personal privacy. On top of that, this is harassment of XXXX XXXX. I'm not sure of her involvement with the company, but for them to attack her in this way is a violation of her privacy and mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Nelnet, Inc.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I wrote letters to Nelnet LNS, XXXX, XXXX and XXXX about inaccurate items on my credit report including duplicates with both accounts. I didn't get a response after 30 days about the inaccuate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
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: Credit inquiries on your report that you don't recognize

Complaint:
Year XX/XX/XXXX-XX/XX/XXXX various companies. I have no clue who 97 % of them are.

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 2022-10-18
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have an installment payment issue for my XXXX XXXX pro XXXX purchase on the XXXX XXXX with an apple card ( Goldman Sachs ). 
The first order was made on XX/XX/XXXX, with an apple card installment plan, and it has been returned to the XXXX XXXX due to the wrong shipping address. And I repurchased the same phone XXXX pro XXXX the next day ( XX/XX/XXXX ) with an apple card installment plan again, and the full amount of the installment for the first order was refunded on the same day. 
But the problem is I still see two installment plans on the same XXXX device and it has been charging double a month since XX/XX/XXXX. I guess the installment plan for returned XXXX is still active.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened a Navy Federal Credit Union account that I did not authorize

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I took out 3 wire transfers to withdraw XXXX total ( XXXX each ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from Coinbase.com. Coinbase stated there could be a potential 2 to 3 day delay and was hoping to get the money sooner. 

It 's XX/XX/XXXX and my bank still has no records of ever receiving those funds. Coinbase should never have allowed wire transfers if their operations are so XXXX XXXX XXXX XXXX. 

To make matters worse Coinbase.com no longer offers any support related to wire transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: EQUIFAX, INC.
State: NY
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Monday XXXX XXXX at XXXX XXXX it was a 23 minute call. XXXX XXXX with Chase Receivables. I actually called him to explain the situation where the hospital had billed after XXXX XXXX and I had already paid my deductible. He starts talking over me and telling me my insurance doesnt cover that and get my insurance number and lets call them. I explained I had been in contact with them and PA about the situation and he is screaming at me and telling I will pay. We get on the phone with XXXX and his attitude did change somewhat after we were on the three way call. But when I was speaking with my insurance representative he told me to be quite. At this point I had enough and told him to shut up that I could speak. I just wanted to make someone aware that he is a very rude and intimidating man that shouldnt be working with the public. I can just imagine him calling elderly people and screaming and intimidating them. Our issue was put on hold because it was just like I explained to him but it took my insurance representative to tell him because he kept talking over me and screaming.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Experian Information Solutions Inc.
State: MD
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:
Upon reviewing my credit report i noticed several inaccuracies regarding my student loans.On XX/XX/2016 closure of XXXX XXXX XXXX colleges where closed by the department of education due to reporting and lack of information they were mandated to keep XXXX College where i attended took out several loans without my knowledge.clearly fraud was committed at this school.

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 2019-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2019-12-18
Company: Fay Servicing, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX transferred our loan to Fay Servicing unknown to us. We knew we were in default with XXXX  and submitted a short sale offer on XX/XX/XXXX on XX/XX/XXXX we received notice of a foreclosure date. We immediately called XXXX and they told us our loan had been transferred to Fay Servicing. Our agent and closing coordinator reached out and we did as well. We sent them the short sale offer and they did absolutely nothing! We went to foreclosure today and lost our home. I have a XXXX XXXX  and I could lose my job because Fay Servicing would not stop the foreclosure and accept the short sale. We did what XXXX asked and it did not work out. I know Fay Servicing in XXXX CFPB took action against them for failing to provide mortgage borrowers with protections against foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In response to a complaint I filed XXXX XXXX from the Chase Executive office attempted to reach me by calling my Wife 's phone number on 3 separate occasions. My Wife was not able to take the call because she was at work. I returned each call and left messages asking Ms. XXXX to call me at my phone number ( she had initially called me at the correct number several times ). On the third call I made to Ms. XXXX I told her if she did not call me at the correct number I would file another complaint regarding this matter. She has not called back but someone named XXXX from Chase is now calling the incorrect number. I have left a message for him with the correct number and am filing this complaint hoping it will compel Chase to address this matter in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: MI
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  account XXXX XXXX XXXX  # XXXX 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 I have sent multiple letters and emails ; also called XXXX XXXX and exampled to them that this account is not mine. By this account reporting false information on my credit report, it has caused lenders to refused applications ; which put my business in a financial deficit. Please assist me with 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 2021-12-14
Company: MRS BPO, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Mrs BPO keeps adding the account to my credit report, however, I have never received notification of the debt or my rights as a consumer in writing. I have disputed with the bureaus and XXXX has removed. XXXX XXXX XXXX have not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24
Company: Nelnet, Inc.
State: MD
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:
Upon reviewing my credit report i noticed several inaccuracies regarding my student loans.On XXXX XXXX closure of XXXX XXXX 3 colleges where closed by the department of education due to reporting and lack of information they were mandated to keep XXXX College where i attended took out several loans without my knowledge.clearly fraud was committed at this school.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I contacted XXXX County/Superior Court by phone and requested them to run my name and social security number through their systems to see what information was associated with my personal information. I was told by someone working that there was not any information in the system. I was also emailed stating the same thing. I gave her the case ID number that was on my credit report and she pulled that file up in the system. The file she pulled up has someone else named on it and I do not know that individual. I was also emailed the information that was associated with the case ID number that I provided. This took place XX/XX/XXXX. I have a lien judgment for the amount of {$590.00}. <P/>I also have filed several disputes with all the credit bureaus along with my supporting documents that I were emailed from by XXXX County. My disputes were last filed XX/XX/XXXX and were closed XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: Chime Financial Inc
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2023, {$950.00} dollars was sent out of my account to someone I dont know my email address and phone number was changed on the account as well I called chime immediately which they disputed the {$950.00} dollars and said they were working on getting my account back but it could take up to 3 days my card was supposed to be canceled and a new one sent to me. I had to send in my identification 4 seperate times to get my account back when I finally could log in I see that they refunded the money but the guy took it again because the lady didnt cancel my card like she was suppose to I called back they said they were sorry they would dispute the transaction again and would file a comaint against the lady who failed to cancel my card the dispute came back with no error occured and they arent giving my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: IN
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
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:
this is my report # XXXX I am disputing for the past 6 months a medical collections from a collections agency XXXX delete 3 accounts but make a re-insertion wihout any notification ( FCRA REQUEST A WRITTEN NOTIFICATION ) my dispute request a HIPPA AUTORIZATION FROM THE PROVIDER AND THE COLLECTION UNTIL TODAY all my attempt to fixes this issues was ignored

Company response to consumer: Closed with explanation