BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 been disputing XXXX XXXX on my credit report since XX/XX/XXXX. I have been waiting for their response but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, TransUnion, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Under the FCRA section 605b, the XXXX XXXX XXXX are required by law to remove any fraudulent accounts and information completely from my XXXX XXXX. I am requesting this information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. Please remove the following fraudulent items from my Credit file as soon as possible : 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 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 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 2018-03-02
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Good morning, I purchased a home from Navy Federal XX/XX/17 at closing my principle and interest payments were XXXX with taxes included, after tax assessments, I now pay XXXX a month which is outstanding and the result of someones inexperienced. I putting a burden on my family, please assist me. I would also ask that you review my closing documents to see how its structured and if follow XXXX XXXX and XXXX XXXX guidelines, at the time of purchase me credit was a high XXXX and low XXXX I received a unfair rate of 4.875

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have contacted XXXX XXXX XXXX  several times regarding inaccurate account information. I have a balance of XXXX reporting on my credit report from a company by the name of Sequium Asset solution, a company that my information was sold too. I canceled my service with XXXX XXXX XXXX XX/XX/2019 due to the service not working properly. On two occasions a technician came out to repair the problem but was unsuccessful at doing so. Im being charge for a month that I was without service. I also returned my equipment via XXXX and that charge is still reflecting on my on my account as not returned. After canceling my service in XXXX, XXXX XXXX XXXX tried collect a payment from my bank account XX/XX/XXXX which was not authorized. I would like further investigation on my account and for the amount owed to be adjusted and waved due to the service not working properly and inconvenience.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft 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 2018-10-25
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft 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 2020-12-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I HAVE ASK FOR PROOF OF CONTRACT AND HAVE YET TO RECEIVE IT THESE ACCOUNTS ARE THIS LISTED ON MY CREDIT REPORT AND NEED TO BE REMOVE 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 2023-09-22
Company: AA Recovery Solutions, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/22 I received call from my XXXX XXXX XXXX daughter who stated that she had gotten some type of collection call from a company called AA Recovery. Once she forwarded me the message I called AA recovery in reference to the account that I thought was closed. I worked out payment arrangements and then later that afternoon my mother in law called and stated that XXXX had called her as well trying to reach me. I am filing this complaint as I feel my privacy was violated. Not only did he not have my permission to speak with my minor child he should have never given any information indicating the nature of the call. Again this complaint is against AA Recovery and his contact number is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$3000.00} XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX  : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  : {$3000.00} XXXX XXXX XXXX  : {$100.00} XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXX/XX/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 2022-12-26
Company: EQUIFAX, INC.
State: OR
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 XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-10-25
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:
I've sent multiple certified letters to remove Multiply inaccuracy on my credit report. It's getting quite frustrating and taking a toll on my emotional state of mind.

XXXX XXXX XXXX : Fraud!

This account was open and used in florida at the time I was living and working in XXXX, Georgia XXXX XXXX XXXX : Not mine!

This is not mine and it shows up twice on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25
Company: Ability Recovery Services, LLC
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've sent multiple certified letters to remove Multiply inaccuracy on my credit report. It's getting quite frustrating and taking a toll on my emotional state of mind.

XXXX XXXX account is Fraud account Ability Recovery Service is mine debt

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Wells Fargo charging overdraft fees to my checking 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 2016-10-22
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I co-signed for a {$6000.00} loan for my son on XX/XX/XXXX. When he failed to make his payments, I paid the loan off in full in the amount of {$7000.00} on XX/XX/XXXX. since that time, I have been harassed by Fedloan Servicing through repeated phone calls and letters that threaten to garnish my wages, report me to credit bureaus, and to assign litigation, even though I have talked with representatives many times by phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-30
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My account has been paid in full on the XXXX  of XXXX.However, the payment was received on the XXXX of XXXX and they claim to never received it.Every XXXX  of the month the creditor updates my credit report.But for some reason they are refusing to update my credit report accurately since Ive paid this car loan in full.Am due to sign off on a purchase house and due to the creditor and reporting credit agencies willfully targeting me because I am XXXX I wouldnt be able to do so.This is right out discrimination.I need that account to be reported as paid in full.

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 2021-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
On XX/XX/2020 I settled account # XXXX with Bank of America/ XXXX . I recently reviewed my credit report and I have noticed that Bank of America is still reporting my account inaccurately. XXXX  is still reporting this account as " Derogatory '' instead of " paid. '' They have continued to report inaccurate reporting to XXXX  and XXXX  after I have written the credit bureaus to update. I have attached my receipt of payment and wish for Bank of America to correct/update my credit reporting across all 3 major credit bureaus. Because of this account I have been categorized in subprime level and wish to have this resolved immediately. Thank you.

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 2020-06-05
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: Investigation took more than 30 days

Complaint:
Thank you for understanding and reviewing the second complaint. XX/XX/2020 a complaint was sent regarding late payments on student loans. Made several attempts for the company to comply with using the same account number beginning with XXXX and displaying 36 late payments instead of 6 under one account. According the FCRA guidelines, the company furnishing information incorrectly along with depleting my credit and creditworthiness.

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 2023-07-09
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been living here in this house since 23 years. My husband borrowed against this house in XX/XX/XXXX all in his name. The note is on his name and he passed away in XX/XX/XXXX. I have been in touch with the bank ever since he passed away to transfer the note on my name so I can continue making the payments. The bank refused to talk to me since I am not on the loan. I explained them that my late husband and I both jointly own the house. However, they have not acknowledged me on the loan ever since then. I called Ocwen about 20 times in the past one month to save my house and they refused to transfer and therefore the loan modification is not available to me. They are still sending the loan modification offer only to my dead husband. Now they want to foreclose me on XX/XX/XXXX. I NEED TO SAVE MY HOME. I have an XXXX year old mother and a XXXX  old daughter who depend on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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've sent multiple certified letters to remove Multiply inaccuracy on my credit report. It's getting quite frustrating and taking a toll on my emotional state of mind.

XXXX XXXX  account is Fraud account XXXX XXXX XXXX  is mine debt

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 2019-11-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Due to my relocation from XXXX XXXX  to XXXX XXXX XXXX in XXXX ( which saw a roughly 20 % increase in our cost of living ) and taking a pay cut ( as part of a longterm career strategy ), my wife and I are financially struggling. I am a XXXX XXXX XXXX and she is a XXXX  in the XXXX, so our incomes are based upon time-in, seniority, and rank, not performance or anything else. 

Although we have been making payments, we are robbing from our cashflow to make the payments : we are paying the credit card debt and having to spend it, again, to stay afloat. I attempted to negotiate with Chase ( regarding my credit card ) to lower my interest rate and mandatory minimum payments ( currently $ XXXX XXXX for a period of six to twelve months, so we can get our financial situation in order. They refused, unless I closed the card first : not only would they not promise that closing the card would result in the outcome I wanted, it is also an action that would have negative consequences ( for both credit score and reputationally ). Because of my occupation, I can not have a closed credit account upon which I am also making payments. 

Chase is obstructing my financial wellbeing, even as I attempt to negotiate in good faith. 

I have missed no payments, etc. and yet they remain steadfastly unwilling to work with me, even when it was escalated to their executive-level customer service. 

This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2019 I entered into a finance car loan with Santander Consumer USA. To whom it may concern, According to the Truth In Lending Act 15 usc code 1605 ( a ) ( 5 ) law clearly states that insurance shall be included in the finance charge, which I purchased a vehicle under the extension of my credit and received a contracted loan that was extended from your company which had no insurance attached to the original contracted financed loan. There was no appropriate disclosure present at the time. Also no insurance included in the finance charge according to 15 US Code 1605 ( a ) ( c ) * CHARGES OR PREMIUMS FOR INSURANCE, WRITTEN IN CONNECTION WITH ANY CONSUMER CREDIT TRANSACTION, AGAINST LOSS OF OR DAMAGE TO PROPERTY OR AGAINST LIABILITY ARISING OUT OF OWNERSHIP OR USE OF PROPERTY, SHALL BE INCLUDED IN THE FINANCE CHARGE* I didn't receive any insurance that was included in the finance contract. The insurance was not included in the contract which means the contract is NULL and void due to fraud, According to the law and should be deleted and I demand compensation for damages of a breached contract for not adding the insurance, willfully and knowingly as a federally protected consumer under 15 us code chapter 41. According to Truth In Lending, a lender or creditor must disclose all necessary laws and products that are attached to the contract. * Knowingly and Willfully allowing me to send cash payments and the finance loan was fraudulent from the beginning when the vehicle was purchased. You didn't add the insurance that is a violation. 
CONSERNING THE ACCOUNT LISTED BELOW I AM DEMANDING THE FOLLOWING LISTED BELOW. THE ACCOUNT IS IN FACT INVOLVED IN FRAUD FRAUDULENT ACCOUNT SANTANDER CONSUMER USA ACCOUNT # XXXX REPORT ACCOUNT TO CREDIT BUREAU MONTHLY FOR THE REMAINDER OF FINANCE CONTRACT LOAN DATE LISTED ON THE CONTRACT FOR A POSITIVE ACCOUNT REPORTING. SEND THE TITLE CLEAR AND SEND THE CHECK FOR COMPENSATION FOR DAMAGES OF FRAUD DUE TO THE BREACH OF THE CONTRACT NOT APPLYING INSURANCE ALONG KNOWINGLY AND WILLFULLY ALSO NOT DISCLOSING THAT INFORMATION TO ME AS A CONSUMER IS A VIOLATION.

Company response to consumer: Closed with explanation