BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
For your consideration, All three credit bureaus have addresses along with dates of residence listed on my credit reports. Some of this information is incorrect and inaccurate, but what is more because my change of addresses have been numerous over time this could place me in a vulnerable position in applying for future credit. 

Unfortunately, there are hidden and unfair forms of stigma and discrimination in society one of which involves the use of XXXX algorithms which may filter according to numbers of changes of address -- a type of stigma and discrimination on the part of lenders.

To protect my right to privacy from these and other unethical forms of practice at large which are in the process of being greater regulated please remove from all of my credit reports mention of previous addresses in accordance with the Fair Credit Reporting Act.

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 States a consumer reporting agency can not furnish an account with my written instructions which none of the three major credit reporting agencies have obtained from 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 non-monetary relief
Consumer complaint received 2022-03-07
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: Information belongs to someone else

Complaint:
I reached out to Transunion, XXXX, and XXXX regarding fraudulent accounts reporting on my credit in XX/XX/2022. I sent them a letter with an affidavit and my identification. It's now been over 60 days and I haven't received anything. There has been no removal of the accounts.

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 2022-03-07
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: Was not notified of investigation status or results

Complaint:
I have charge offs that are inaccurate and late payments that are not accurate and accounts that don't belong to 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 non-monetary relief
Consumer complaint received 2019-08-06
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have an PayPal acct. I have had this acct for many years, since XXXX XXXX XXXX took over the website for PayPal has changed. It is nearly impossible to get a complete statement of your acct online let alone mailed to you. Before all the info was available to you. Now instead of it being readily available you have to call customer service, good luck. 
It is very hard to navigate the website and what little info they give isn't complete. Where is the statement with prior balances, payment info and interest accrued. Seems very deceptive and makes checking monthly balance very difficult.

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 2022-03-07
Company: Experian Information Solutions 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:
MY PERSONAL INFORNMATION WAS STOLEN BY AN UNKNOWN PERSON TO OPEN CREDIT CARD FRAUDULANTLY ON MY NAME THAT WAS USED AND REMAIN UNPAID. IT IS AFFECTING ME FROM GETTING CREDIT AND RAISED MY CREDIT USAGE TO MORE THEN MOXIMUM THAT GET MY CREDIT SCORE TO GO UP. I WOULD LIKE TO HAVE THAT DEBT REMOVED FROM MY CREDIT FILE PERMANANTLY.

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 2022-03-07
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:
MY PERSONAL INFORNMATION WAS STOLEN BY AN UNKNOWN PERSON TO OPEN CREDIT CARD FRAUDULANTLY ON MY NAME THAT WAS USED AND REMAIN UNPAID. IT IS AFFECTING ME FROM GETTING CREDIT AND RAISED MY CREDIT USAGE TO MORE THEN MOXIMUM THAT GET MY CREDIT SCORE TO GO UP. I WOULD LIKE TO HAVE THAT DEBT REMOVED FROM MY CREDIT FILE PERMANANTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Knight Adjustment Bureau
State: UT
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:
Knight Adjustment # XXXX is reporting a debt I do not owe. This debt was for an XXXX Machine which was returned shortly after I acquired it. This debt is also past the statute of limitations and it should not be owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : Mortgage Issue : Applying for a mortgage or refinancing an existing mortgage We finally heard back from Wells Fargo & they basically told us they did nothing wrong on their part & we are basically  XXXX in out attempt to re-fi or even Modify our loan. 
How does this Bank stay alive?? 

We will need to start defaulting on our loan in order to get someone 's real attention and help in this matter?!? 

Seriously, Wells Fargo HAS DONE NOTHING to help but put the blame on us!!! 

CFPB was really our last hope that you could get WF to at least do a modification of our loan.

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 2019-06-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I am reporting 3 issues I've had. 

The first is my Walmart credit card that I just finished consolidating. I paid the remaining balance of {$95.00} over the phone in XXXX of 2019, however that payment never went through and I received a letter in the mail stating that my balance was past due with the amount of {$100.00} on XX/XX/2019. I called Walmart and paid it off but was waived the late fee and only had to pay {$95.00}. If the payment had gone through the first time a paid for it over the phone, I wouldn't have a late payment. 

The following reports are due to the financial hardship I was going through at the time : My XXXX XXXX credit card had a minimum balance of {$25.00} due on XX/XX/2019. I didn't pay the {$25.00} minimum until XX/XX/2019, which resulted in a {$25.00} late fee and my minimum balance increased to {$51.00}. 

My XXXX credit card payment was due on XX/XX/2019. I made a payment of {$260.00} on XX/XX/2019. This resulted in a late fee of {$27.00}

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 explanation
Consumer complaint received 2019-04-25
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent {$120.00} UDS online utilizing Moneygram on XX/XX/XXXX. It was not indicated to me that this was a 3-4 day transfer process at the time I made my transfer. Subsequently, the pending transfer was listed in the XXXX XXXX account which I transferred the money from on the following day Monday XX/XX/XXXX, and settled out of that account of that account on Tuesday XX/XX/XXXX. I have emails and time stamps on my banking records to document this. 

It is now 5 days ( 4 business days ) since I initiated this transfer, and the funds have yet to settle into the account for the recipient XXXX XXXX to pick up locally in XXXX. My calls to Moneygram have been unsatisfactory to say the least! Their customer service is pathetic. I find their conduct unethical and lacking integrity. They should be censured for the disingenuous manner which they are conducting business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Experian Information Solutions Inc.
State: NJ
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 noticed multiple accounts on my report I do not recognize

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 2022-03-07
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
For your consideration, All three credit bureaus have addresses along with dates of residence listed on my credit reports. Some of this information is incorrect and inaccurate, but what is more because my change of addresses have been numerous over time this could place me in a vulnerable position in applying for future credit. 

Unfortunately, there are hidden and unfair forms of stigma and discrimination in society one of which involves the use of XXXX algorithms which may filter according to numbers of changes of address -- a type of stigma and discrimination on the part of lenders.

To protect my right to privacy from these and other unethical forms of practice at large which are in the process of being greater regulated please remove from all of my credit reports mention of previous addresses in accordance with the Fair Credit Reporting Act.

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 States a consumer reporting agency can not furnish an account with my written instructions which none of the three major credit reporting agencies have obtained from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XXXX XXXX, XXXX I received a letter regarding my loan that was not easy to understand. 
The due date has two dates spanning from XXXX to XXXX. This is confusing. It is not clear what a 'Level ' Schedule type is. There are two installment amounts. Why? It is not specified what an 'Anticipated cap ' is. 

The lexicon of this letter is not easily understood by consumers. It seems it is purposefully vague and when speaking with the company I was told it has no intentions of changing the letter format. I am concerned that the future important correspondence with the company will be poorly outlined.

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 2021-05-10
Company: Paramount Recovery Systems, L.P.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Paramount Recovery SYS started reporting on all three of my credit files back onXX/XX/XXXX. I noticed the hits back in XXXX I started disputing the suppose debt immediately. I tried calling the company line was always busy XXXX XXXX the XXXX I tried calling the company again and was successful with getting a agent on the line. The agent I spoke with stated that she did see an account however it was close and deleted off all three files. She validated the account and confirmed it was for {$730.00}. At that time I thought this account would be close and removed since I never received and responses from dispute letters sent to creditor and the credit bureau. On XX/XX/XXXXI contact Paramount Recovery to check the status of the account being removed and the agent I spoke with told me this account was not close and only in a dispute status. When questioned the agent said the debt was transfer from another debt collector and it was limited info. I was never notified of this account via letter or phone call. The agent stated a letter was sent out back XX/XX/XXXX. I never received anything. I ask the agent what information was sent out in the letter she stated she had no idea. I asked the agent how can your company place something on my credit file and never reply to my dispute letters or send me any information regarding the debt. The agent said you have to request an itemization well I did when I disputed the debt. The rep confirmed the company received my disputes from the credit bureau only and not from me directly I submitted to them both. The agent confirm the letters were receive XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: U.S. BANCORP
State: CO
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:
Hello, Please look at page 14 of the document I provided. 


I have dispute the US Bank account on my XXXX credit report several times. This was an account that was opened without my authorization and when I realized the account was reporting negative information in XX/XX/XXXX, I disputed the account and asked them to close it and remove the negative information with all credit bureaus. XXXX is the only reporting agency that hasn't removed the account. 

I have even went as far as paying the charge-off to try to remove it or lessen the affect it has on my scores. But that hasn't worked either because XXXX inaccurately reports it as a charge off for 39 random months after the original charge off. 

Instead of 1 charge off at shows at 43 negative events. 

This account which is inaccurately mine to begin with should fall off my credit in XX/XX/XXXX, 7-years from the original charge off. But because of how US Bank and XXXX report it, I'm at risk of it not falling off until 7-years after the last reported Charge Off in XX/XX/XXXX. 

This data is inaccurate and hurts my otherwise responsible credit history.

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 2017-11-07
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a credit card with First National Bank. I have a balance in my credit card amounting to {$680.00} and the due date isXX/XX/XXXX. I paid the full amount last XX/XX/XXXX.  When I got the next billing statement, I was charged of {$11.00} for interest charged. I called the credit card company to dispute the interest charge. They told me its a valid charge and they can not waived it, since in the 2 previous billing statement I did not pay the full amount. I told them yes I understand that I did not pay the full amount in the 2 previous billing statement that 's why you charged me a interest which is fine with me. But on the 3rd billing statement I pay the full amount before the due date that 's why I should not be charged of interest. 

And I told them just to closed my credit card because I am disappointed with your credit card. I told them I will not pay the {$11.00} because I believed this is not a valid charged. They customer service representative I spoke even treat me that they will report me to credit bureau for not paying the balance and my credit score and credit file will be affected. 

Just to make it easier I decided to pay the {$11.00} but I will complain the First National Bank to the Consumer Financial Protection 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 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I had a Fraudulent hard inquiry on my Transunion Report that took place on XX/XX/XXXX from XXXX XXXX. Customer will not take care of it.

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 2022-03-07
Company: EQUIFAX, INC.
State: GA
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:
XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : DEPT OF ED/XXXX XXXX XXXX -- -> : {$2900.00} DEPT OF ED/XXXX XXXX  XXXX -- -> : {$1300.00} DEPT OF ED/XXXX XXXX XXXXXXXX -- -> : {$2900.00} DEPT OF ED/XXXX XXXX  XXXX -- -> {$3900.00} DEPT OF ED/XXXX XXXX XXXX -- -> {$3700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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 2018-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid my mortgage payment (XXXX) in XX/XX/XXXX to XXXX. In XX/XX/XXXX, XXXX sold my loan to Bank of America. Bank of America stated that they did not have a record of me paying in XX/XX/XXXX so I doubled paid Bank of America in order to prevent any issues. I paid twice (see attachment) in XX/XX/XXXX, which included one payment for XX/XX/XXXX and an extra charge of XX/XX/XXXX as well. To resolve the issue, I called Bank of America and went in person multiple times. They told me to get my payment history and they would resolve everything. Thus, I obtained my payment history (see attachment) from XXXX that showed my XX/XX/XXXX payment (XXXX) being made. I also obtained my bank statement (see attachment) that showed my XX/XX/XXXX being made. Even though I provided evidence to Bank of America, they have not acknowledged that I paid or refunded my payment. I would like to receive a refund for over paying XXXX, since I doubled paid for XX/XX/XXXX. One payment was made for XX/XX/XXXX in XX/XX/XXXX. The other payment was made in XX/XX/XXXX was also for XX/XX/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