BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This is a follow up on my complaint that you've cloised XX/XX/XXXX. My issues weren't addressed well. I am asking you for your help to have XXXX ( Original Creditor : XXXX XXXX XXXX  with an account number XXXX, date opened XX/XX/XXXX with balance of XXXX. 

The law is very clear as to the civil liability and the remedy available to me for negligent non compliance section 617 if you fail to comply/ I am litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under FCRA 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 2020-08-01
Company: Experian Information Solutions Inc.
State: MS
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:
Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information XXXX times. I filed XXXX police reports. 
DEPT OF ED/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen XXXX times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX My phone number is ( 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 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 
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 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 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 explanation
Consumer complaint received 2015-07-01
Company: LEXISNEXIS
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Original CFPB complaint XXXX was filed against LexisNexis for refusing to freeze my consumer report. I am a victim of ID theft. 
I received correspondence from LexisNexis in the mail my file was frozen. It however appears LexisNexis used a variation of my last name an ID theft used to apply for credit cards in my name. 
How do I know this file frozen file is in fact my file?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax froze my account without authorization, or request for a lock or freeze. Then when I call them to get fixed, they want me to share so much information on an open cellular line that anybody could get a new credit card in my name. Literally even my Full SS, DOB, and too much other info. It's the opposite of security. 
It would be pathetic if it wasn't so wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: CAINE & WEINER COMPANY, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have attempted to resolve this account with the creditor directly because this isn't a balance that is owed. Creditor sold this to XXXX XXXX XXXX which is not a balance that is owed. The account was closed at XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My complaint is with regard to the service that I have received from XXXX when trying to get answers about the student loans that I have consolidated with them. In early XXXX I went to their website to review my loan balance. I noticed in the secure message area that I had an unread message. It was a letter that was sent in XX/XX/XXXX informing me that they had charged me the wrong interest rate ( 4.25 % ) when I refinanced with them and that I should have qualified for a lower rate ( 3.5 % ) and that they were going to correct this issue and credit me back the extra interest I paid. However, that rate that showed on the summary page of their website for my loan ( when I viewed it in XXXX ) still showed a 4.25 % interest rate. I then looked at my account details to see if they had credited me back any of the extra interest I paid. There were a number of entries both crediting and debiting principal and interest in the months of XXXX, XXXX and XXXX that I couldn't make heads or tails of. Thus, I called their service line to get this issues resolved. I spoke with a service rep who said that he would escalate the issue, get my rate fixed, get an explanation regarding my account history and call me back.. I waited two weeks and did not receive a call back. When I logged on to my account online the rate had been corrected but I could not see in my account details history where I had been credited the extra interest that I paid. Thus, I called them again and spoke with XXXX ( employee # XXXX ). He said he's submit the issues to be researched. I asked to speak with his manager ( XXXX ) but she was unavailable. He said she would call me back the next day. This never happened. I waited another two weeks and called back again. This time I spoke with XXXX, who also could not address my concerns or explain my account history. He too promised to research the issue and call me back. I have not heard from him either. Not once have they called me back regarding this matter or given me any explanation of the transactions that appear in my account history that don't make any sense whatsoever. I have no confidence that they have credited me back the extra interest I paid due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$4500.00} XXXX XXXX   XXXX {$24000.00} XXXX  XXXX XXXX {$6700.00} XXXX XXXX {$0.00} XXXX  XXXX {$9000.00} XXXX XXXX XXXX {$3300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX which has affected my XXXX. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 11 XXXX, XXXX XXXX XXXX, 10 XXXX XXXX, 11 XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : 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 explanation
Consumer complaint received 2023-05-04
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:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 explanation
Consumer complaint received 2015-05-29
Company: Byrider Franchising, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Called me trying to scare me on debt. Did not even respond to what company they are working for and also threaten to drop off legal papers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I've been trying to close my account with BBVA for weeks after they announced their new predatory fee models. They disabled their support system entirely and are unreachable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint submission is in regards to a collections account by CONVERGENT OUTSOURCING ( Client Services XXXX XXXX XXXX XXXX XXXX, WA XXXX ) stating I have a delinquent account with them. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I do not have any revolving accounts with them what so ever. CONVERGENT OUTSOURCING is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. I  spoke with a Supervisor in the CUSTOMER RELATIONS DEPARTMENT by which they stated there were not able to locate my account and demanded my personal information when I had the account number present. The account number was received directly from XXXX  credit bureau to whom which CONVERGENT OUTSOURCING is reporting to. It was extremely difficult to obtain any information from them, as they became aggressively rude over the phone. I attempted to obtained their Fax and Mailing address to forward them a debt validation letter. The Supervisor stated to send everything over and they will fax all correspondents to the number provided. A fax confirmation was received on both ends and I still haven't received a response. It was confirmed through my fax machine that the Department had received the files ; however still no correspondents.I have no legal obligation to this company no will I ever in the future. I am requesting CONVERGENT OUTSOURCING to immediately remove me from their systems, and update the XXXX Credit Bureau on this action. At this point, CONVERGENT OUTSOURCING have failed to provide any competent evidence or any legal obligation. Once again, CONVERGENT OUTSOURCING is currently in violation of the Fair Credit Reporting Act, 15 USC 1681, and if this report is not updated immediately I will be taking legal actions.

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 2021-04-27
Company: TRUIST FINANCIAL CORPORATION
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
CFPB, I have a mortgage with Suntrust mortgage. It is XXXX  XXXX. Due to the Covid 19 pandemic, I was laid off from my job for quite some time. 

The government has assisted mortgage companies a lot in order to help everyone during this tough time during the pandemic. 
Now that the dust is settling and we are going back to paying our mortgage, they are not allowing for refinance. 
My mortgage company, Suntrust, is offering 3 options : 1.Pay it all back now- ( how would a hardship person have this money? ) and they did not mention is it is on top of the principal or if it will be subtracted, ( like it would be if I had paid the mortgage on time ). 
2.Pay it all back after the mortgage ends, ( adding a year of interest and principal on the mortgage, essentially turning it in to 31 year mortgage ).

3. add 10 years on to your mortgage, ( interest included of course ) We did not discuss option 1 and 3, but option 2 adds last years ' unpaid on to the principal after the loan terms are completed. I believe that option 1 adds it as a payment, but does not adjust the principal for payments due, like it would had made the payments. 

Here is an example if there were 10 years left on mortgage loan : Principal before pandemicXX/XX/XXXX- {$100000.00} ( 10 years left to pay ) Unpaid mortgage payments less the escrow {$1000.00} per month, or {$12000.00} total for the 12 months unpaid Mortgage payment distribution per month, of {$1000.00}, {$750.00} goes to principal and {$250.00} interest Option 2- Start paying again and add 2020 to the back end as a balloon payment- {$1200.00} Principal on XX/XX/XXXX- {$110000.00} The mortgage is no longer 10 years, it is 11 years, ( except the balloon payment is due on the date of payoff ). 
They are screwing everyone! 

They are making a profit on the COVID 19 pandemic by forcing homeowners that had hardship in to bad terms. 

THIS IS UNFAIR BUSINESS PRACTICE! 

These mortgage companies were bailed out by the government and now they turn around and XXXX the people they are supposed to be helping. 

What can be done? 

XXXX XXXX Hardship homeowner

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 2023-05-04
Company: Experian Information Solutions Inc.
State: GA
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, XXXX XXXX, am a Victim of identity theft. I was unaware of and did not give consent or authorization for the following credit transactions. 

XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2018-05-22
Company: EQUIFAX, INC.
State: WA
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:
RE : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX DOB XX/XX/XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX PROBLEM : XXXX XXXX was recording this account to all 3 credit bureaus XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX then the credit card number was reissued due to Lost and thereafter all of the information disappeared from all three credit bureaus and was never reported with the new credit card information and payments applied however XXXX XXXXXXXX is now claiming that they have continuously reported the new information to all 3 credit bureaus since then that is XX/XX/XXXX however none of that information as shown up on any of the three credit bureau report associated with my name and social security number even though that information has been verified by XXXX XXXXXXXX and the three credit bureaus yet nobody can solve the problem why it is not appearing and being reported on my credit bureau reports. I have noted online that there are several other XXXX XXXX credit card holders experiencing the same problem and that is not just me so this must be some kind of it either an engineering problem or some kind of a scheme going on to manipulate consumers. The following is an excerpt from my 3 Bureau credit report from XX/XX/XXXX the last report that this account was reported to all three bureaus : Account Name XXXX Balance {$580.00} Credit Limit {$750.00} Usage 78 Type REVOLVING Status Current Opened On XX/XX/XXXX Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage 78 % Balance {$580.00} Balance Updated XX/XX/XXXX Credit Limit $ 750 Monthly Payment {$25.00} Past Due Amount - Highest Balance {$780.00} Terms Revolving Responsibility Individual Your Statement - Comments Account was in dispute-now resolved-reported by subscriber Contact Information XXXX XXXX XXXX XXXX, VA XXXX BYMAILONLY Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Netspend Corporation
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
I did a claim for unauthorized transactions made with my card the one that was lost or stolen and due to negligence of the bank an unauthorized person use more than 2,000 dollars, I tried to report the card lost by the automatic system and wasnt allowed I tried do speak with an live agent and they was close I make a first complaint with the consumer financial protection bureau and the company lies to the consumer financial statin I nwanna ver tried to report the card lost and that they will do an investigation and give results by todays dateXX/XX/XXXX2018 ... todays date I called to custumer service dispute department and they said they dont have any update in my dispute ... i feel like this bank is taking unlawful retailiation against me because the first complaint I make to the bank, I havent receive even a temporary credit on my account and here I send the response this bank sent to consumer financial first time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation