BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX : # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: EQUIFAX, 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'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: MOHELA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
XX/XX/XXXX, sent message inquiring about loan status and whether I had a payment due and what was due. Was told my loans were still in forbearance and that the amounts on studentaid.gov were inaccurate ( due to forbearance ) but to call for more information about what my payments would be. Attempted to call on lunch break- no response ( long hold ). 

I applied for the Graduated Extended plan and the message stated I would hear back in 5-7 business days ... but I never did. So I reapplied and months later, nothing. 
XXXX XXXX I reached out inquiring about my application for repayment and they apologized stating my application is still processing and they would get back to me asap. Ive yet to hear back. 
XX/XX/XXXX, I received a very confusing statement showing due dates from back in XXXX along with a repay date of XX/XX/XXXX. 

On XX/XX/XXXX I received another confusing statement showing a due date of XX/XX/XXXX. 

XXXX XXXX I received another billing statement stating I owe {$0.00} on XX/XX/XXXX. 

XXXX XXXX, I reapplied for the Graduated Extended plan just in case after hearing about their online issues. I've not heard anything back. 

XXXX XXXX I received notice that there is an application processing delay and that I'll hear back in 90 DAYS if I'm approved or not. 

I started this process early so that I could prepare for payments. I have near perfect credit and take my finances seriously. I need to know what my payments will be so I can make my budget. Now I won't know if I'm approved for the affordable plan ( Graduated Extended ) for 90 MORE days ... this is absolutely ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Mr. Cooper Group Inc.
State: CA
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:
My credit report is showing late payments to NSTAR/COOPER XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or NSTAR/COOPER 's customer service representative XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. Law 15 usc 1681. Its a defamation of my character & livelihood an I am trying to buy a house

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 2023-09-11
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im not liable for this debt with XXXX XXXXXXXX XXXX nor do I have a contract with XXXX XXXX XXXX. 
They didn't not provide me with the original contract as required.

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 2023-10-31
Company: MOHELA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have a payment due in 2 days and never received an account invoice. The amount just appeared on my screen with a due date of XXXX. I thought I was supposed to start making payments last month but nothing ever auto withdrew.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Fidelity National Information Services, Inc. (FNIS)
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: Account information incorrect

Complaint:
I have reached out to XXXX XXXX 's XXXX XXXX via phone on numerous occasions to dispute the error they are reporting in my ChexSystems file. 

However, each time I call I am routed to a department that says they can not obtain my account information since it is closed. 

I am in receipt of my ChexSystems report, and there is inaccurate information reported in my file. 

XXXX XXXX XXXX XXXX XXXX is reporting an unpaid balance which is inaccurate. The outstanding balance has been paid, and I have attached a copy of the money order that reflects it has been 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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Greetings, I requested that TransUnion and XXXX to update my personal information on my credit report on XX/XX/. The information that was requested was to remove all previous or address that inaccurate on my credit report and only use the address. 

XXXX XXXX XXXX, XXXX, XXXX XXXX Also, I requested all phone numbers to be removed from my credit report and change my work history to XXXX. 

As of now, the information still remains on my credit report, and I would like for the information to be deleted. 

Also, the only name that should be on file 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 non-monetary relief
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: SYNCHRONY FINANCIAL
State: VA
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:
Tried to contact the companies in question and was told to contact the credit reporting agency.. when contacting the credit agency the passed the buck back to the company!!!! Im getting no help with this ongoing issue

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 2023-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
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:
Capital one had decided not to let my payments process for an entire month leaving my credit card completely depleted well past the date it needs to have a payment made for my credit report. It also doesnt let me use cash back and has recently made me confirm my bank account to prove. They are clearly mad because I never have to pay interest and get cash back. This it to far effecting someones credit is a big deal. When I called them and said I would report it they got completely stopped talking to me. This happened on XX/XX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Capital one has decided to stop excepting debit cards for payment and has not notified any of the customers. This is creating an extreme hardship for me as I am in the process of moving and do not have access to my banking details other than my card that I pay with every month. I am now unable to pay capital one because I dont have all my banking details handy right now. This makes me look bad and affects my credit score because they are incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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 XXXX Account Number XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. 

15 USC 1666B A creditor can not treat a payment on an account under an open-end consumer credit plan as late for any purpose. 

15 U.S Code 1681a- Definition ; rules of construction- Exclusions. - Except as provided in paragraph the term " consumer report '' does not include- any 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 explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Eliminate this from my credit report as quickly 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 non-monetary relief
Consumer complaint received 2023-12-19
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit reporting 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:
See atttached but Wells Fargo is not updating or showing an active credit card on my XXXX credit report, this account shows for XXXX and XXXX only

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 2023-05-16
Company: CONTRACT CALLERS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An alleged debt of {$770.00} continues to be reported on my consumer report despite proof that I did not personally open this account. I have shared with XXXX XXXXXXXX XXXX XXXX XXXX XXXX an FTC affidavit, police report, XXXX proofs of residency dated from XX/XX/XXXX through XX/XX/XXXX, an identity theft packet from the local sheriffs department that included a second affidavit, and XXXX still refused to remove this alleged debt and claims I am still responsible for the debt. My ex-boyfriend used my social security number and compromised my personal information to open up an XXXX account without my permission. He attempted to make payments in good faith, but due to the worldwide pandemic, he was unable to continue making payments. Thus, causing a derogatory mark on my personal consumer report. This went unnoticed until I starting receiving debt collector letters. 

I did not discover these charges until late XXXX in which I contacted XXXX for billing statements to unravel and self-investigate the alleged charges. XXXX XXXX XXXX, and XXXX from the collections department, have both interrogated me with FALSE ASSUMPTIONS. They refuse to provide me with the original agreement that shows my signature or any other proof that I entered into an agreement with them. I have called XXXX to resolve this over the phone with negative pushback and insensitive remarks accusing me that I owe this alleged debt. I have mailed PROOF to them that I never opened this account. I have requested billing statements, along with the original agreement and full accounting statements, but they refuse to provide me with details about this account. 

In addition, on XX/XX/XXXX, I sent a complaint letter to all XXXX credit bureaus ( XXXX, XXXX, XXXX ) explaining that FCRA 605B requires consumer reporting agencies to BLOCK fraudulent information within 4 days. I have given no one CONSENT to report this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: NCB Management Services Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have been receiving letters from different lawyers regarding this debt. I have also sent a correspondence letter to the debt collector to verify/confirm this debt and have not heard from them and this was months ago. Now Im being sued for a debt I have no knowledge of and no one can seem to verify. And getting threats of garnishment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: FL
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:
Months ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: Specialized Loan Servicing Holdings LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We had a forebearance. XXXX XXXX sold loan to Sls. I had XXXX in unapplied funds, was told we needed to update paperwork to sls to be able to put funds towards payment. 

Did paperwork. Called to make payment using unapplied funds. Money was put towards interest. Was told they would reverse it and get money back to unapplied funds. Never happened. 

Asked why loan was changed from 30 year to 40 year. No logic in explanation. 

Asked why the forebearance amount was not just added to endvof loan. Told I was in forebearance too long. 

Called for update and let them know our son took his life and they offered three additional months of forebearance, told it would not change being added to end of loan. 

Called constantly. Told I have to get caught up on all payments asap. 

Told money never went to interest. Shady company.

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 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about some erroneous items in my report. You must delete these items that were opened without my knowledge, consent, or authority within 4 business days.These items are damaging my file and needs to be deleted. 

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 2023-11-03
Company: EQUIFAX, INC.
State: MD
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:
IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT AND UNDER 15USC 1681 E ( B ) AND 15 USC 1681i ( 5 ) THIS ACCOUNTS ARE IN VIOLATION OF NOT REPORTING 100 % ACCURATE. THE CREDIT REPORTING AGENCIES STATES THAT THESE ACCOUNTS WHERE PROPERLY INVESTIGATED AND CAME BACK AS VERIFIED. HOW EVER, HOW IS THIS TRUE WHEN THERE ARE SEVERAL INACCURACIES SHOWING ON MY REPORT? AS A CONSUMER I REQUEST TO KNOW ALL THESE STEPS YOUR AGENCY TOOK TO ENSURE THESE ITEMS ARE 100 % ACCURATE UNDER 15 USC 1681I ( 7 ) A METHOD OF VERIFICATION - DESCRIPTION OF REINVESTIGATION PROCEDURE. 

MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX MD XXXX PLEASE REMOVE AND UPDATE ALL OTHER ADDRESS. 

ACCOUNTS DEPT OF ED/XXXX Account XXXX DEPT OF ED/XXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I open up a Care Credit card I'm XXXX XXXX From the beginning that I got the card they began charging interest in the card. Which was a promotion not to charge interest for several months. I also noticed that I have been making payments on this card from the beginning. As of XXXX I only have a balance of {$160.00}. I have made payments in the amount of {$120.00} since XXXX XXXX XXXX. My credit is nor increasing when I make my payments. I feel that they are scamming people

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 monetary relief