BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-04-27
Company: WELLS FARGO & COMPANY
State: SC
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 A VICTIM OF IDENTITY THEFT, THE RESULT OF THAT SEVERAL ACCOUNT WERE OPEN UNDER MY NAME. 
XXXX XXXX XXXX # XXXX ... .XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX, WELLS FARGO BANK XXXX XXXX. 
XXXX XXXX # XXXX,XX/XX/XXXX XXXX. 
XX/XX/XXXX # XXXX ...XX/XX/XXXXXXXX XXXX XXXX XXXX 
XXXX XXXX XXXX # XXXXXX/XX/XXXX XXXX CARD # XXXX .XX/XX/XXXX# XXXX ... 
XXXX XXXXXX/XX/XXXXXXXX # XXXX,,, WELLS FARGO BANK XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: Experian Information Solutions Inc.
State: AR
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  Accounts # 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 a account without my written instructions 15 U.S.C 1681C. ( A ) ( 5 ) section states : no customer 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 2020-01-02
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a response to my previously submitted complaint, Regulatory case ID : XXXX filed against PHH Mortgage Services and wish to dispute it. 
On 2/20/2019 I received letter titled " Recast Offer and One Time {$5000.00} Incentive ", see attachment, I followed the instructions and accepted the offer per letters instructions. The response dated XX/XX/XXXX claimed I received the recast amount of {$5000.00} which was applied to principal on XX/XX/XXXX. True, but, I also received another offer on XX/XX/XXXX. On XX/XX/XXXX I received a letter titled " Signed Recast Agreement - for your Records '', which on page 2 states " Whereas borrower recently made a prepayment of principal of XXXX XXXX dollars ( {$5000.00} ) -- -- -- - '' In reviewing principal payment history provided by PHH Services there is no payment credited for {$5000.00}. All activity regarding this credit occurred in XX/XX/XXXX, totally separate from the offer in XX/XX/XXXX. I am owed {$5000.00}, and have a notarized document signed by my wife and I and accepted by by XXXX XXXX, Assistant Secretary, PHH Services on XX/XX/XXXX stating such. 
I am still waiting on the authentication of principal increase of {$7900.00}. I am requesting an itemized statement showing how this amount was calculated.to come up with principal balance of {$330000.00}, and the supporting documents. What were the individual components arrears, deferred principal, etc..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: AES/PHEAA
State: MO
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:
I intially applied for Public Service loan forgiveness in XX/XX/XXXX. I was immediately denied for PSLF, which I expected, and then sent an email applying for TEPSLF. I did not hear any reply until XX/XX/XXXX. I was sent a form saying that I was at XXXX TEPSLF payments as of XX/XX/XXXX ( See attached document ). That would make me eligible after my XX/XX/XXXX payment. I talked with several customer service representatives to get a breakdown of payments. I was told that I had a period of forbearance in XXXX. I have a tax statement from my borrower during that time showing at least one payment. I submitted that document to MYFEDLOAN for review of that payment. Thinking that I could move my eligibility date up from XX/XX/XXXX. I have not heard a response from that review. I have called every week since XXXX to get a ruling and the only response I get is that it could take 90 days and it's in Treasury department within myfedloan. 

I submitted another PSLF application on XX/XX/XXXX, was denied for PSLF immediately, and sent in the follow-up email for TEPSLF review. I have not heard anything on that response and keep being told it's in review. 

Myfedloan updated their website to have a payment counter in XXXX of XXXX and showed that I was eligible for TEPSLF with employment certification regardless of the XX/XX/XXXX review. I submitted another combined PSLF/TEPSLF application on XX/XX/XXXX and was denied PSLF on XX/XX/XXXX. I have not heard a response on the TEPSLF status. I have been in contact with a call center supervisor who keeps telling me that my XXXX review has to go through even though their website says I'm eligible for TEPSLF according to their website.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
In XXXX of 2019, XXXX converted its Mastercard accounts from servicing by XXXX to servicing by Capital One. 
This conversion was plagued with poor support and communications. The online management websites were NOT transferred or converted directly. Unknown to us, the autopay we previously relied on to make the payments was discontinued. Capital One required that we create an entirely new website login. Since our method of statement delivery was online, we were basically blacked out of any communication for over 60 days. That is, the new emails describing the switchover were going into our junk folder. During this time of first notification and conversion, we were not receiving these important emails from Capital One. Finally, after we were over 30 days late with a payment, we received a phone call from a phone number we didn't recognize, so we skipped it. No message was left. 
Eventually, we did answer that phone call, and made numerous attempts to create the new website login and autopay. The system kept asking us to create a new login, but after entering our information, it blocked us from continuing, saying we already had a login. 
The result of their inept conversion of accounts was that we were over 30 days late with payments several times. We were making payments, but the timing was off from our previous XXXX account. We were punished each time with late fees - and after the third time, our interest rate was raised to the maximum penalty amount. They also cancelled our account, resulting in a poor credit rating. 
NONE of this would have happened if the conversion XXXX did from XXXX to Capital One had not occurred. We were ALWAYS on time with payments prior to the conversion, AND we paid several promotional purchases off ahead of their due dates. 
We contacted XXXX, XXXX, and Capital One several times regarding these issues with no result. Now we find the interest rate has increased even further, making it impossible to EVER pay this account off. Most of the late fees were not refunded. 

Since finally fixing the issues, we've made payments through autopay on time every month just as we did with XXXX. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: EQUIFAX, INC.
State: MD
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 provided the Credit Reporting Companies with the proper documentation to remove items from my Equifax, XXXX and XXXX Credit Reports. I have sent them several letters regarding this issue and they continue to ignore my correspondence and take the appropriate action regarding XXXX XXXX XXXX/XXXX XXXX. I have requested validation of this account. The have continued to provide me with copies of statements and will not provide me with anything being my signature to validate the debt. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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:
I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 u Der 15 USC 1681. XXXXXXXX Account  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. It also state 's a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I went into a Kohls store in XXXX CO on XX/XX/2020. The cashier offered an instore credit card. I refused multiple times. The cashier would only ring the merchandise up at the in store credit card special price until the end and used a bait and switch technique to get me to sign up for the credit card. I did not. And still refused. To which the cashier said in front of the manager that they always tell people bad credit is okay just let them run a credit report on you and you get the discount. I asked if it was a hard or soft inquiry. She refused to answer. I later find out it's a hard inquiry taking points off of people 's credit scores for cards they didnt want to sign up for in the first place. Super predatory.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I was pressured into a predatory lease with NMAC stating that it would " eat up '' my negative equity. I was told that NMAC would allow me to bring the lease back early and lower my lease payments, or refinance the loan. After paying XXXX for a year and a half and reaching out to the company i realized this was far from the case. During this time I had interruption to income due to health issues and reached out to inform the company that my payments were too high. I was not given any alternatives and was instructed that i could do a voluntary surrender. Against my better judgement and out of my control I allowed NMAC to take back possession of the vehicle to avoid further damage to my credit. I can say that this lease was predatory in nature and nothing was done to help me as the consumer. Since then the car was sold and sold at a high dollar value. This loan is currently charged off but has been refreshed several times. They have also contacted me after the loan was charged off attempting to collect. This lease has been reported to my credit report as 90 days late every month on my credit report since 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: TN
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 HAVE FILED A XXXX XXXX  BANKRUPTCY AND HAS BEEN DISCHARGED, ALSO FILED A TOTAL DISABILITY CLAIM AND HAS BEEN ACCEPTED AND APPROVED. I HAVED SUPPLIED ALL THE DOCUMENTS TO SUPPORT MY INFORMATION, THEREFORE THERE SHOULD NOT BE A BALANCE ON MY REPORT. I ALSO ATTENDED THE UNIVERSITY 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 2020-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 am writing to dispute the minimum payment for this month. I would like to request to have the minimum amount corrected to reflect the exact minimum amount and entire balance. In XXXX of XXXX, I sent my payment to Walmart for the minimum amount required. Accordingly, I mailed this to Wal-Mart before the due date ; however, the date the check posted was 1 day after the due date. Notwithstanding, I asked Wal-Mart Customer Service if they could renounce the late fee for this month. I obtained a notification via chat regarding the late payment. I asked to have the late fee waived. Walmart complied with my request. However, I noticed on my next month 's statement that the late fee had not been waived. I contacted the Walmart Customer Service Department to discuss the possible oversight. I asked about the minimum  payment for XX/XX/XXXX. I also asked about the percentage for the minimum payment. The person I spoke with claimed there is no set amount for the minimum payment each month. I did finally receive a statement for this month that just shows an amount past due and it's delinquent. The minimum amount should not exceed 3 % of the total amount for the principal. I tried to file a complaint with XXXX  but the online dispute website was down at the time. 

I'm writing to dispute the above account. I disputed the Walmart credit card balance a few months ago. THis account under XXXX Walmart was closed but still showed as late. The account was transferred to Capital One Walmart with the incorrect amounts. I've been sending 3 % of the total amount due. I would like to have the trade line for Capital One Walmart at CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ( XXXX ) XXXX ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
sent the police report and ftc violation

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 2020-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX {$470.00} XXXX {$11000.00} Reported balance XXXX Last reported XX/XX/XXXX {$7800.00} Reported balance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Hi XXXX  ; and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
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: Information belongs to someone else

Complaint:
These Companies have engaged is abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished these accounts that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More less they did not follow the proper five step validation procedure which make this unfair practices. According to the FDCPA I'M ENTITLED TO XXXX DOLLARS PER VIOLATION AND CLEARLY THEY VIOLATED MY RIGHT!

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