BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
There was a security breech and I lawfully have the right to have any negative marks or delinquent bills, charge offs, or other negative marks removed from my reports.

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 2023-05-08
Company: EQUIFAX, INC.
State: KY
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 am natural person, I am a loving human being, I have the rights under 15 USC 1681. 
EquiFax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts : 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 2021-10-25
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:
Please see attachments

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 2017-12-15
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX/XXXX/XXXX, I requested my due date be changed to at least the XXXX of each month. I enrolled in a debt management company that would collect funds from my account on the XXXX of each month and distribute to the creditors I owed. I received confirmation on XXXX/XXXX/XXXX that the payment due date and cycle dates had been changed and my next payment due date would be XXXX/XXXX/XXXX. I had hoped my XXXX statement ( received on XXXX/XXXX/XXXX ) would reflect that my due date was at least XXXX/XXXX/XXXX, but it showed XXXX/XXXX/XXXX, which I knew would not be enough time for the debt management company to send payment on time, but I figured the account would be current by XXXX/XXXX/XXXX since by then they would have received at least 2 payments from the debt management company. 

On XXXX/XXXX/XXXX, I received a second billing statement with a payment due date of XXXX/XXXX/XXXX, despite having received a XXXX bill already on XXXX/XXXX/XXXX with a payment due date of XXXX/XXXX/XXXX. I contacted the company and they advised that because I changed my due date, it was normal to be billed 2 weeks later and have another payment due, despite being told my next payment would not be until XXXX. The company said there was nothing they could do as there were no fees to waive. I let them know I would be filing a CFPB complaint because this does n't seem to be correct and they still did n't take any action. I have changed the due dates on nearly all of my cards to work with this debt management company, and this is the ONLY one that has issued a statement twice in one month. 

Because of how they double billed me in one month, my account is showing past due, which could jeopardize my standing in the debt management program and further negatively affect my credit. I should not have received a second bill in XXXX and this appears to be an error on their part that they are refusing to resolve. I have in writing what the next bill date will be and when my cycle would end from the representative who adjusted my due date and they refuse to honor it. This was stated by the second representative I talked to because the first assured me that my account was n't even past due- despite me clearly seeing online that the account was past due. It was only after I pushed her to review my account that she eventually escalated me to another representative. I know this is an unusual situation but I do n't think they fully understand what is happening and the billing error on their side.

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 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX, and I am writing this personal statement on my own behalf. After carefully reviewing my credit portfolios, it has occurred to me that my identity was at some point stolen. Various accounts were opened for financial gain and services. The listed accounts in this report I would like removed immediately. 

Fraud accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25
Company: Self Financial 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 status incorrect

Complaint:
This is a fraud account due to the fact that this company is reporting a Secured account and is charging for credit which is against 15 usc 1666 & 1692. I've tried handling this account with them but they are still reporting this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
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:
I am a victim of identity theft

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 2020-07-15
Company: Pressler & Pressler, LLP
State: NJ
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:
This law Company, used to be Pressler and Pressler, now it is Pressler and other Lawyers, Felt and Warshaw. For years this man Pressler has harrassed me numerous times for about five years now. I had a couple of charge offs from credit cards. He goes out of his way to buy or whatever they do with these charge offs, and come after me to collect. I have talked them each and every time they did this that I am a senior in XXXX, fixed income and can not pay these charge off credit card. They were like 300, to 500 dollars. About time he got finished with them, the amount drastically went up. Every where I move to because of health issues this Pressler person contacts me, and tries to take me to court. What he is doing is against the law. I have rights, because I am a senior does not mean I am stupid. Then he States it will be on my record for twenty years. That is illegal and so his his harassment. I want it to stop! He uses other company 's website the lastest is XXXX XXXX. You people here seem to do nothing. If this is not solved I will have to contact the Attorney General here in NJ.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: IL
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous 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

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 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2018-02-09
Company: AES/PHEAA
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
American Education Services is incorrectly reporting loan amounts I received from XXXX College. I  received only one FFELP loan from XXXX College in the amount of {$1700.00}. I attended XXXX College from Fall XX/XX/XXXXto Summer XX/XX/XXXX. The Master Agreement was signed on XX/XX/XXXX.  The original amount of the loan was {$1700.00} and the current balance is {$2800.00}. AES is reporting that I received and owe a total of five student loans, all from XXXX College. The Federal Stafford Loan issued on XX/XX/XXXX, is the only loan I received from XXXX College. The following is a list of loan details reported by AES : XX/XX/XXXX Federal Stafford Loan Repayment {$2800.00} XX/XX/XXXX Federal Stafford Loan Repayment {$5100.00} View Details for this entry XX/XX/XXXX Federal Unsub Stafford Loan Repayment {$3100.00} View Details for this entry XX/XX/XXXX Federal Stafford Loan Repayment {$3800.00} View Details for this entry XX/XX/XXXX Federal Unsub Stafford Loan Repayment {$7200.00} I have attempted to resolve this dispute with AES and requested a copy of the Promissary Notes for the aforementioned loans. AES provided me a copy of one promissary note, but was unable to furnish any proof that the loans owed belong to me. I have reached out to XXXX College financial aid office and they have verified that I only received one loan in the amount of {$1700.00} during my enrollment. XXXX College also agreed to contact AES. I am requesting AES to remove all erroneous, non verifiable student loans from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My payment is due on XX/XX/2022, so I logged on to the Capital One website and set a payment today, at about XXXX Pacific Time. When I logged in, my account showed I had been charged a {$29.00} late fee already today, despite my payment being due today. 
I felt this was unfair and a way for Capital One to exploit customers that are faithfully trying to make their payments on time, but can not rely on automatic payments. 
I called Capital One to ask for the late fee to be waived. After waiting on hold for 45 minutes, I was able to speak with a representative. 
The representative did not agree to waive the late charge and stopped responding mid call, pretending he could not hear me, and then the representative from Capital One hung up on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-15
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today, XX/XX/2020 I called XXXX to dispute the charge of {$1000.00} that this company, ( COMPLETE PAYMENT RECOVERY SERVICES, INC-XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX Florida XXXX ) was attempting to collect from me. 

According to Ms. XXXX XXXX, she would be sending me the copy of check # XXXX that I wrote from XXXX XXXX XXXX  to a Church in the amount of {$1000.00} which was supposedly cashed at a local XXXX # XXXX in XXXX Texas on XX/XX/2020. 

I called XXXXXXXX XXXX XXXX Headquarters and spoke with XXXX and asked her to verify if someone had opened up an account with my name to which she responded. NO. 

Hence : I believe this is a scam to collect money from seniors who would normally make out checks to the church and who would easily feel intimidated by a letter from a collection agency that is threatening to affect their credit if the amount owed is not paid in full. 

In fact, when you call this number it literally states to have your account information handy to include your account number and the routing number. 

THIS IS A DECEPTIVE PRACTICE THAT HAS TO BE STOPPED. 
NEVER EVER GIVE YOUR PERSONAL INFORMATION TO VERIFY ANYTHING!

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 2020-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, gave me two letters of release stating the debt wasn't mine XXXX  and Transunion 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 12 times in the last 20 years through XXXX. 

My correct address is XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is 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 2023-04-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Several accounts were open under my name and had to close them

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 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2022-01-07
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: Personal information incorrect

Complaint:
On XXXX a merchant account was incorrectly reported to Equifax Credit Report. I sent a 609 letter on XX/XX/2021 and a Demand to Comply letter on XX/XX/2021 to have this issue mitigated to no avail. I wasn't given any letter, email, or phone call in this matter. I would like to have this report removed immediately off my credit report as this is negatively affecting my credit score and livelihood. There are other false reports on my letter that I would like have removed but the derogatory status is my main focus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Experian Information Solutions Inc.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

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 2020-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

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 2021-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 submitted a Factual dispute to XXXX, Transunion and XXXX  on XXXX XXXX. It was regarded a late payment and incorrect reporting as well as inaccurate account numbers discrepancies in the difference dates of the reported late payment on each credit report. I submitted supporting documents and never heard back. My reports never updated to show account in dispute. I made several calls to them and nothing was done. I waited at least 45 days and called and one by one each credit bureaus claimed to have completed their investigation and never mailed me any proof. XXXX  actually removed the late payment and then reinserted it back on credit report. XXXX  has a 90 day late reporting for XX/XX/2018, XXXX  has it showing XX/XX/2018 and Transunion has it showing late XX/XX/2018. I further disputed the way the late was reported. No 30 or 60 day late the jump to 90 day late which the FCRA 609 guidelines clearly states is unlawful.

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 2020-12-04
Company: ENCORE CAPITAL GROUP 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:
On XXXX XXXX, 2020, MIDLAND FUNDING add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND FUNDING has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
mr cooper is not looking at what im saying logically i said i never received notice in the form of phone call or email i tried to explain this to them butthey refuse to beleive me i state i never knew i was overdue due to problems on their way of XXXXommunicatimg m overdue thing to me which i stated was not done on their part never called XXXX XXXX me date they called and talked to me which i doubt they can do and copies of email that were read by me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Inaccurate information on the report State driver license number is inaccurate information residence address is inaccurate information based on the Information listed is totally inaccurate information reporting Banking institution failed to corresponding and investigate accurate information to prevent fruad which however believe to be fruad with information being breach

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