BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently received a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF AGRICULXXXX XXXXXXXX I disputed the violations with Transunion on XX/XX/2023. I sent them the attached letter certified. Please see attached letter and certification receipt. Transunion responded on XX/XX/2023. They removed the US Department of Agriculture account but did not remove the late payments for XXXX and XXXX. 

I did not give written instructions to Transunion to furnish this on my credit report? 

Transunion is in clear violation of the law Under 15 USC & 1681b - permissible purpose of consumer reports, the LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

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 2023-04-26
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
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: Their investigation did not fix an error on your report

Complaint:
The credit bureaus are circumventing the law. The credit bureaus are making it almost impossible for the consumer to access our credit files. I have called dozens of time and the system is virtual run around system leading the consumer down a rabbit hole. It is impossible to access your credit reports by mail. The credit bureaus are forcing the consumer to access an online report that has most of the important information missing. The credit bureaus are engaging in misguiding the consumer by not allowing access to your personal files. Please have someone call the numbers to see that this stuff is illegal

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 2021-07-01
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX is still reporting to my credit as a chargeoff. However the payment was settled on XX/XX/XXXX and I received a letter on XX/XX/XXXX that they would request for the tradeline to be deleted from all credit reporting agencies. However it's still be reported and does not reflect the payment. I've submitted several disputes to credit reporting agency but the it has not 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 explanation
Consumer complaint received 2016-09-08
Company: Professional Choice Recovery, Inc.
State: NE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, 2016 I had contacted Professional Choice Recovery and asked to pay my collections debt off in full. At that time I was given the balance. I then gave permission to withdraw the entire balance from my checking account. Since I called on a Friday afternoon, PCR stated they would pull it the next business day. I then confirmed that no other payments would be required and my account would in fact be paid in full. PCR confirmed. On XXXX XXXX, 2016, I had two amounts withdrawn from my account. I was then under the impression my account was in fact paid in full. 

On XXXX XXXX, 2016, I received a call from PCR stating there had been a clerical error and that I still owed another {$230.00} and asked how I would like to pay that. They stated that they ran the payment for {$230.00} less than what they should have and I needed to pay on behalf of their error even though it was confirmed by PCR that my account was paid in full after my XXXX final payment.

Company response to consumer: Closed
Consumer complaint received 2022-07-14
Company: EQUIFAX, 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 contacted Equifax, XXXX and XXXX regarding the recommendation from a magistrate as well as an order of dismissal from a judge in XXXX XXXX, Florida. I requested deletion of a fraudulent account that was placed in my name. The court has ruled that XXXX was unable to provide a written contract between myself and the company to the court. Subsequently, the court dismissed the lawsuit attempting to recover funds from me regarding an account that was not my responsibility. 

All of the credit bureaus have refused to delete this tradeline off of my account even though I have provided them the attached court order. This is WRONG. They are claiming they " investigated '' the account on my report. There is nothing to investigate. The court dismissed the suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: U.S. BANCORP
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone attempted to open a credit card in my name with my personal information ( SSN ) to the following address which is not mine. 

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NJ 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 2015-04-21
Company: URS Holding, LLC
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Enterprise Recovery System continues to contact my employer even after I had sent a letter indicating not to do so. They continue to harass my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I paid off my 2012 XXXX XXXX with XXXX XXXX. I did a Bank Transfer to XXXX the same way a paid my payments each Month. The money was deposited into their account on XXXX XXXX. They will not send me the Title to my car until XXXX. I gave them my XXXX number to overnight my Title and they refuse. They are paid in full. I want my Title. I sold the car and the buyer is really mad! He wants the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
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 is missing that should be on the report

Complaint:
to whom it may concern, i am writing you about my XXXX XXXX i have had since XX/XX/XXXX. Over the past 6 years I have always paid on time and build a solid reputation with XXXX A while back i got with a late free XX/XX/XXXX. I had got XXXX to agree to remove to all credit reporting agencies so that payment history should be 100 %. I will send you a picture of XXXX which was only fixed and you will see there is no late fee but for whatever odd reason transunion has still updated. I have called a few times with mixed answers. Under fair credit reporting act this should have been taken off years ago.

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 2018-02-14
Company: Collection Bureau of Fort Walton Beach, 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: Account status incorrect

Complaint:
On XX/XX/2018, I pulled my credit and noticed an account from Collection Bureau of Ft Walton Beach with a balance of {$42.00}. I assume this came from a medical bill since the original creditor was XXXX XXXX. I paid the balance due over the phone and was promised, calls are recorded, that the account will be removed/deleted from my credit report sinceI paid in full. It's more than 30 days later, and the account has still not been deleted.

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 2015-07-17
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
We missed XXXX payment on our lease and now show XXXX late payments. Loan is paid off. I have asked Nissian to remove the lates since I have purchased and leased their cars since the XXXX years. They are not friendly and raise their voice when I call. I will never buy another product from them!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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:
XXXX XXXX XXXX is making illegal inquiry on my credit without my knowledge or approval they are access my credit report illegally and putting things on my report and sending fake Dept letters XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, NY XXXX Record details Inquired on XX/XX/XXXX Hard inquiries XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Soft inquiries XXXX XXXX Inquired on XX/XX/XXXX and XXXX more EXPERIAN Inquired on XX/XX/XXXX and XXXX more EXPERIAN XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Important Messages Medical Information By law, we can not disclose certain medical information ( relating to physical, mental, or behavioral health or condition ).

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 2023-08-08
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: Credit inquiries on your report that you don't recognize

Complaint:
I want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.

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 2021-07-01
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason after my {$12000.00} USD American tax refund that they advertised to get quicker through them was deposited it also has mt original XXXX dollar stimulas check ive been waiting through the entire pandemic forand will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just researched that I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2023-04-26
Company: United Shore Financial Services, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My complaint is against United Wholesale Mortgage. I contacted them in XX/XX/2023 to let them know that I was experiencing a pandemic-related financial hardship and requested a CARES Act forbearance. I was told that as my account was current as of that date, I would need to cancel my autopay and then wait until after XX/XX/XXXXo call back. I called back on XX/XX/2023, and was approved for a forbearance plan with an initial expiration date of XX/XX/23. A copy of this approval is attached to this complaint. 

Since that time, I have received several notices regarding my " recently missed payments '' - these notices do not acknowledge the approved forbearance plan and instead advise on derogatory credit reporting, possible foreclosure, deed-in-lieu, and short sale. I called them on several occasions about these notices and am told they don't know why they keep being sent and each representative has confirmed I'm in an active forbearance during those calls. Copy of notice attached. Multiple notices have been received, one included due to page limits for uploading. 

I've also received several calls from United Wholesale asking me if I intend to keep the property, advising me of the total currently past due, and asking if I can make a payment. When I mention the forbearance plan, they acknowledge it and then continue asking for payments and threatening foreclosure or negative credit reporting. 

These calls are incredibly upsetting. The notices and calls all lead with the intent to instill fear in the consumer. These are not " calling for a friendly update on your financial situation '' calls. I took the responsible path and was proactive in contacting the company and making arrangements before any " debt collection '' activity was needed on their end. Why am I getting treated as though I have no forbearance in place? 

My mortgage statement also states that I'm 75 days delinquent and may face foreclosure before another paragraph finally acknowledges the active forbearance. Copy provided with this complaint. 

I understand that the payments during the forbearance will still be due and are not forgiven. I also understand the options available at the end of the initial forbearance. What I don't understand is why I'm being threatened with foreclosure and pressured into making payments that are currently suspended while under an active plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: OneMain Finance Corporation
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, consumer, and original creditor, sent ONEMAIN FINANCIAL an affidavit of truth stating violations that where taken place by them regarding my consumer report. ONEMAIN FINANCIAL is in. violation of 15USC 1681a ( 2 ) ( A ) ( i ) for reporting transactions or experiences between the consumer and the person making the report is EXCLUDED from a consumer report. ONEMAIN FINANCIAL is also in violation of 15USC 1681a ( 2 ) ( A ) ( iii ) as I was not given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. ONEMAIN FINANCIAL is also in violation of 15USC 1681 ( 2 ) ( B ) as any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is also to be EXCLUDED from a consumer report. ONEMAIN FINANCIAL is also in violation of 15USC 1611 for criminal liability for willful and knowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: Fidelity National Information Services, Inc. (FNIS)
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 XXXX is incorrectly reporting an account on Chexsystems. I have reached out to the company for resolution and provided a police report number for identity theft. The XXXX PD Criminal Report case number is XXXX. The account needs to removed from my Chexsystems report immediately. It has been proven to be fraud and the police are investigating. My identity was stolen, including GA ID and SSN. Both had to be replaced and both requests can be proven by the Georgia State Department of Driver Services as well as the Federal Social Security Administration.

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 2017-01-24
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Navient has been collecting money from me for 8 years now and I do n't know why they wo n't help me. 1 ) I never opened these loans 2 ) I 've been paying them and when I do n't have the money to pay or when I call and tell them that I ca n't afford the payments they tell me there 's nothing for them to do about it. They have no options for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Called XX/XX/XXXX to get a refund for payments i made during Covid. Was told it would take 14 days for a refund and my balance would come up to original state in 5-7 days. It was then XXXX  and I called them to follow up on a statues and was told it can take up to 60 days but my request was submitted according to the rep and waited on the line for 3 hours before finally speaking to them. It is now XXXX  and I have yet not seen any action on my end my loan balance is the same and I have not seen my balance go up or even see a refund in progress on my bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: CEX.IO CORP.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My name is XXXX XXXX. This past weekend I had logged onto CEX.io 's bitcoin exchange in order to buy some btc. I made two transactions totalling around XXXX dollars worth of btc. It was supposed to have been delivered to my XXXX XXXX wallet but it never was. In fact, the wallet address on CEX 's own site was never even funded. I checked on the XXXX. So, Monday rolls around and I get an email from them saying that there was " suspicious activity '' on my account and that is why I haven't received my btc. Well, it's possible that I accidenly left my VPN on, which wound make it seem like I was not in the country. I explain all of this to them and without even replying to me, now I can't even log on to my account there. Like they suspended my account or something. I just want what is rightfully mine. I used a credit card in my name to purchase the btc. Thank you for your time. 

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