BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2017-10-23
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Purchased items under 0APR promotion from Lowe 's following that made other purchases that were not under promotional interest. 
1. The credit card statements that followed does not show how to avoid interest by paying the non-promotional amount plus minimum amount required for the promotional purchase. 
2. Payments were automatically split to promotional and non-promotional regular interest. 
Company did have the option to apply all payments toward non-promotional balance but customer has to call in and request that option specifically.

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 2023-08-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : XXXX XXXX XXXX, XXXX, XXXX XXXX This address is not my current address and its not a mailable address. 

My ONLY current address and mailable address is : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX SEE ATTACHMENT ENCLOSED IS MY LEASE AND IDENTIFICATION IF THIS IS NOT CORRECTED FURTHER ACTIONS WILL BE TAKEN PLACE

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 2022-12-13
Company: EQUIFAX, INC.
State: NY
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 a closed account with XXXX XXXX They have reported false late payments. I have asked XXXX, Equifax and XXXX to investigate and provide written documentation of the updated payment history. All three have failed to accurately report and remove accounts that have not been validated. 

XXXX states I was late in XXXX of 2021 with XXXX but reported I was on time with XXXX and Equifax. I was never late. 

Per o Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information.

b. delete the item of information.

c. permanently block the reporting of that item of information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: Payward Ventures Inc. dba Kraken
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Kraken Crypto currency Trading Co.

I opened an account with Kraken. Kraken web site kraken.com requires you to make a bank wire transfer to one of their company banks. XX/XX/2021 at my request my bank wired {$1700.00} to a XXXX account with XXXX XXXX. My bank emailed me the transfer was completed. No funds have been registered in my XXXX account. The only way to contact XXXX for help is through their email support system. I have emailed them 4 times, I only receive a generic response, We will contact you soon. 
I researched on line about Kraken Scam. There are XXXX of complaints from customers all over the US and world about Kraken Scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Interest rate

Complaint:
On XX/XX/XXXX i rec 'd an email about payment change. The index is incorrect ( should be XXXX ) which impacts rate. On same letter it shows {$820.00} due for taxes and insruance but I already paid in full XXXX to cover said escrow shortage so that amount should be reduced by {$140.00}. I called the company on XX/XX/XXXX and again on XXXX about both issues and have not rec 'd anything correctly this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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 submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 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 non-monetary relief
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have contacted XXXX once with no response and Transunion on XXXX occasions since XX/XX/XXXX to dispute the accuracy of information shared on my credit report as I have not provided permission to defame my character regarding XXXX XXXX Bankruptcy that currently notes being Discharged by the XXXX XXXX XXXX New York on XX/XX/XXXX. I have since received responses from Transunion by mail dated XX/XX/XXXX and XX/XX/XXXX solely noting how their information is obtained and that they find it to be accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to express my concern and frustration about your credit reporting agency reporting information about me without my consent. I believe that this action is a violation of my consumer rights and is contrary to the provisions of the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, credit reporting agencies are required to obtain written consent from individuals before collecting and reporting their personal information. However, I did not provide any such consent to your agency, and yet you still reported information about me to third parties. 

Furthermore, the FCRA requires credit reporting agencies to ensure that the information they report is accurate and up-to-date. However, I have reason to believe that some of the information you reported about me is inaccurate and may have negatively affected my creditworthiness. 

I demand that you cease reporting any further information about me without my written consent. I also request that you investigate any inaccurate information that you have reported and correct it immediately. Failure to do so would be a violation of my consumer rights and could result in legal action. 

I hope that you will take this matter seriously and take the necessary steps to rectify any harm that has been done to my credit reputation. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
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 reporing agency can not furnish a account without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any 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 2022-09-12
Company: OneMain Finance Corporation
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
This loan was offered through XXXX XXXX, applied to for the loan. Was approved for XXXX  USD. Upon applying for that consumer transaction, ONEMAIN, is now requiring collateral which was advertised as a option not mandatory to have, to be given this loan which is already turned into a Promissory Note aka a security instrument, this was on XXXX. On XXXX until present day, have been seeking to speak to the Branch manager XXXX XXXX and the underwriter, as of today XXXX, one called spoke with XXXX XXXX and she would not get one access to the Underwriter and said she will have her assistant manager reach out, spoke with XXXX XXXX, asked to speak with the underwriter was nformed that the underwriter is a computer, so a computer is securitizing these Promissory Notes? Informed both individuals of their violation s of the Consumer Protection Act and Laws which they did not even look at each code one gave XXXX continued to keep speaking on Fair Credit Act and disregarded the Consumer Protection Act and Laws. Today XXXX, Before reaching XXXX and XXXX, one spoke with the main call center and asked to speak with the underwriter and was informed that they don't have a number and that the Branch Manager would have to give one access to speak with a underwriter. With this information and with what one was informed by the Branch Manager and her Assistant Manager clearly there's deceptive practices transpiring here. Nothing is matching up to the truth. They have access ones credit and now requiring a down payment to receive the loan when this is in fact a Consumer Transaction and not a credit transaction and as a consumer one stated " want a listing of all factors were involved with this consumer transaction '' was denied this also. This is clearly a violation of multiple consumer laws. Charging to access one 's credit after already pulling a hard inquiry. 15 U.S.C. 1681 15 U.S.C. 1611 15 U.S.C. 1692j 15 U.S.C. 1601 Note - was informed that this was an unsecured personal loan and needed to give collateral however that's not what is advertised. It's advertised the opposite way and as for the location being Utah, there's no stipulations as of loans in that location.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am very concerned to find that your bank XXXX XXXX has pulled all three of my credit reports XXXX Equifax XXXX XXXX and I have absolutely no idea why you did that I havent done any business with your bank I did not give you permission to pull hard reports I didnt get information to pull any report so why on XX/XX/XXXX it looks like did you pull all three of my credit reports for no apparent reason?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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 have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX FIN XXXX Balance Owed : {$0.00} ; 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 2023-08-20
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In the past 3 years since we purchased our second house our mortgage servicer has changed 3 times, twice within the last year alone. The new servicer, PHH Morgage, charges an outrageous fee to pay online, {$7.00} to pay online or {$17.00} to pay by phone. This is well over what actual transaction fees would cost them, around XXXX cents per transaction, so they profit {$7.00} per transaction per customer for absolutely no good reason other than to make it convenient for the servicer because XXXX forbid the customer be convenience, they can't even email a payment conformation to you. None of the other servicers had such fees. It's abhorrent to XXXX people 's wallets for something in which they have NO choice over. Consumers can not choose who services their mortgage so we get stuck with XXXX companies that charge ridiculous fees just for the pleasure of doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Mandarich Law Group, LLP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Hi this original creditor XXXX XXXX They said I owe them an amount was charged off on for XX/XX/20 I know they trying to sue me and take me to lawsuit and even though I told them to not to call me the XXXX XXXX keep Contact them there not answering and I told him do not call me do not send me another talk to XXXX XXXX and before when I called them and they wanted to discuss this matter they never help me because I was sick and also I was not going to work because of the pandemic and I had XXXX  it myself and I am full time student but they did not help me and now they trying to sue me so please I am sincerely requesting since they did not help me please address this matter with them and also they reported to all XXXX and XXXX XXXX and XXXX and they put negative points and because of them I have no score Im trying to Refinance my car because Im paying so much interest I cant because there is a negative report against me will you please help me I am sincerely appreciate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it 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 non-monetary relief
Consumer complaint received 2023-08-08
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and corrected for erroneous reporting in my file are listed on my credit report. 
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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I can no longer participate with my current repayment plan because the Navient student loan services change the terms and conditions. In addition, I was comfortable paying XXXX XXXX  monthly but after XX/XX/2023 I need to pay the full amount with no option using forbearance and higher interest rates. These options make it impossible for me to repay the loan back with my current salary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: EQUIFAX, INC.
State: MA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation