BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: TN
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 Fair Credit Reporting Act XXXX XXXX XXXX Acct. XXXX has violated my rights. 

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

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

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 2022-07-01
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
For months, I've been paying my student loans via automatic payments from my bank. 

Apparently, the monthly payments on my account increased. I was unaware of the increase because Naviant had several bits of incorrect information to contact me, including email address and phone number. They even reported my birthday wrong, so I couldn't access the online portal for updated account information. 

Suddenly, I get a notice that I'm 90 days late. I call, and confirm with them they received my timely monthly payments, but it was during this call that I learned the payments went up and they didn't have my current contact or defining information, so I was never made aware of any increase, which caused late payments in their system. I immediately paid the overdue amounts, but their investigation didn't fix the issue, and they've reported my account 90 days late for XXXX and XXXX of 2022 which is not accurate. Their systems are responsible for this mess and they aren't correcting the situation and removing the negative information from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-10-29
Company: EQUIFAX, INC.
State: TX
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:
Contacted and disputed XXXX  account deleted because it was not my account with all 3 Major US Credit Reporting agencys from XXXX XXXX XXXX XXXX. The account has not been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: AR
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:
This involves all 3 bureaus ( XXXX, Experian, and XXXX ) as well as the furnisher of inaccurate information ( XXXX XXXXXXXX XXXX ) On numerous occasions, I have filed disputes with all 3 bureaus listed regarding the inaccurate reporting of an account that is not mine. 

XXXX XXXXXXXX XXXXk XXXX I have asked for this account to be removed, yet it was inaccurately verified as accurate on all occasions and remains on all XXXX reports. 

It is not possible for any of the 3 bureaus to report this account accurately when each one has reported discrepancies with the High Balance, Last Verified, Date of Last Activity, Date Reported, Date Opened, Closed Date, Account Status, and last Payment. I will attach proof of these reporting discrepancies. This alone is grounds for removal I must also point out that my rights are being violated under 15 U.S.C. 1681 section 604 A Section 2 : This section clearly states that a consumer reporting agency can not furnish an account without my written instructions. 

I have not given written permission to Experian, XXXX, or XXXX ( consumer reporting agencies by definition ) to report this inaccurate account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Self Financial Inc.
State: FL
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:
XX/XX/2022, self lending took XXXX off my XXXX XXXX card and that's how I found out that a account was opened in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Valon Technologies, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have an Adjustable Rate Mortgage which resets every year on XX/XX/XXXX to reflect a new interest rate. 
I regularly pay added principal which decreases the interest collected from each payment. 
My loan was sold on XX/XX/22 to Valon Mortgage Inc. 
which used an incorrect estimate of the outstanding principal balance to amortize the new loan payment at the reset date of XX/XX/22. 
The difference in the minimum payment is only a few dollars each month but it means the math has been calculated in error. 
Valon has also incorrectly applied my prior extra principal payments to 'calculate " full principal and interest payments then used shorten the XXXX loan term remaining. See file. 
That the extra principal has already been used to decrease current interest doesn't seem to register. 
That error will affect all future loan amortization since, even if the last year 's balance is small, the ARM loan will be fully amortized in that last year to yield maximum interest which means a full year of payments. 
My account page reflects that mistake in the 'payments remaining ' portion which is enclosed. 
Repeated attempts to set this issue right have been ignored in lieu of nonsense replies blaming the prior servicer for 'finalizing ' the incorrect balance. 
Email copies and a screenshot of my account page are enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

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

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

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 2022-08-22
Company: SYNCHRONY FINANCIAL
State: NY
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:
On XXXX, I paid a {$9.00} Amazon card bill a few days late -- it was due on the XXXX. I called and explained that it was late because my daughter had XXXX, and was told the late fee ( also XXXX ) would be refunded. That {$9.00} was a recurring monthly charge, and the next time I paid early. But my next bill, for XXXX, read : XX/XX/XXXX Payment - {$9.00} XX/XX/XXXX Refund of Late Fees - {$9.00} XX/XX/XXXX Amazon XXXX - {$9.00} XXXX LATE FEE {$19.00} New Statement Balance : {$29.00} When I called, I was told that the refund only applied to my total owed and not my monthly amount due, and so I was technically late because I had not paid the first late fee before XXXX, and that I had erred by making two payments in XXXX, which the system could not handle. After being on hold for a long time, I was then told I would have to pay the XXXX late fee, even though I owed nothing at the point it was assessed!

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
Consumer complaint received 2022-09-21
Company: WELLS FARGO & COMPANY
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In the Wells Fargo response to CFPB complaint XXXX XXXX XXXX XXXX XXXX XXXX " on XX/XX/XXXX, we received returned mail and we suppressed statements for XX/XX/XXXX and XX/XX/XXXX. '' That is there is a causal connection between alleged returned mail and cessation in statement generation WHILE continuing to bill, and that alleged items of returned mail equally stopped electronic statements from being generated. XXXX XXXX XXXX then provides another statement connecting the billing errors for XX/XX/XXXX and XX/XX/XXXX to me, alleging " We confirmed that statements were restarted in XX/XX/XXXX, after you confirmed address in XX/XX/XXXX. '' I did not contact Wells Fargo in XX/XX/XXXX to update and/or confirm my address information. I didn't know there was any issue ( XXXX ) with my loan accounts at the time. Although contradictory to other statements, a XXXX XX/XX/XXXX response and clearly states the accounts were in deferment for XX/XX/XXXX and XX/XX/XXXX. Having no access to even electronic statements, I would not know there was any issue with the accounts ( billing was suppressed. XXXX XXXX alleges no communication took place over those same months in his XXXX XX/XX/XXXX response to an inquiry from my State 's Office of the Attorney General, claiming that WF has no record of call communication from me after XXXX XX/XX/XXXX. This is misleading as my accounts were placed into a deferment on or around XXXX XX/XX/XXXX, and I'd been filing complaints and receiving responses to billing errors since around XXXX of XXXX -- to which WF responded. All of this is important because XXXX XXXX claims in XXXX that statements were withheld from me ( unlawfully ) and that my right of notice was only re-enabled once I confirmed my address in XX/XX/XXXX. The XX/XX/XXXX time-frame seems rather arbitrary and odd. What DID take place on XXXX XX/XX/XXXX is a Wells Fargo soft inquiry on my credit files. Attached is the inquiry from XXXX. Considering the timing of the soft inquiry, it appears to be an inquiry conducted in a similar manner to what a debt collector would do in order to find/contact/mail a collection notice. The point is I did nothing between the months of XX/XX/XXXX and XX/XX/XXXX to warrant that should have prevented me from receiving a statement. The last knowledge I had was that the accounts were deferred. Yet, somehow WF has implied their systemic failures are my fault, despite the fact that I was communicating with them, and despite the fact that I continued to reside and receive mail at the same address.

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 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
1.Original Creditors Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ) Closed {$4100.00} 2. Original Creditors Name : XXXX XXXX XXXX XXXX Closed {$1000.00} 3. Original Creditors Name : XXXX XXXX XXXX XXXX XXXX Closed {$520.00} In accordance with The Fair credit reporting act this account has violated my rights. 

15 U.S.C 1681 Section 602 A. State 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.

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 2022-04-25
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a Debit Card PIN number for an account at Well Fargo I did not open. I do not have an account at Wells Fargo. I notified Wells Fargo in person and received an acknowledgment email however, the contact number provided in the email acknowledgment is not a functioning number. I am concerned given the previous practice of Wells Fargo opening fraudulent accounts. 

I am concerned as to how you can open an account online without any funds with Wells Fargo as the staff in XXXX alluded to? 

I ask that they freeze the account and I am a week in and have yet to receive any updates other than an acknowledgment email

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 2022-09-21
Company: EQUIFAX, 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 am a natural person, i am a living human being. I have rights under 15 USC 1681. Equifax is Govern by the 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-18
Company: Experian Information Solutions Inc.
State: PA
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-10-30
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2021 I open a Citi Priority Checking Account with Citi Bank. The terms was for me to deposit {$50000.00} into this account and maintain that amount for 60 days to receive program rewards of {$700.00} dollars. I comply for 4 mounts until closing the account on XXXX of 2021, due to customer service told me on two different occasion that I would receive the program rewards of {$700.00} dollars on XX/XX/XXXX and XX/XX/XXXX of 2021 which I acknowledge I was being lied too by their customer services. Therefore I file a compliant with Citi Bank regarding this matter and was told by their investigation department that I did not qualify for the program reward. Upon opening this account I was charged ATM fees of {$3.00} dollars on two occasion and never reimbursed nor was I provided a code number to activate the program rewards for the Citi Priority checking account and not provided any welcome packet to understand my legal rights nor the terms. I fell that I was taken advantage of due to the fact I maintain {$50000.00} for more than 60 days and lied to on serval occasion nor reimbursed for ATM fees totaling {$7.00} dollars. XXXX XXXX score was never consistence with the three Credit Bureau as today.

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
Consumer complaint received 2022-07-28
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: Public record information inaccurate

Complaint:
I have been having issues with credit reporting agencies. All three have been providing problems for me but XXXX is the worst. I have called at least 3 times during each week for the past 3 months. I have even gone to great lengths and explained to the credit reporting agencies about my right under the Fair Credit Reporting Act and all the do is ignore me. Each time I call in I am giving different information and bounced around to someone who says they are the manage but for some reason sounds like the same person I was original speaking with. I was advised to send in documentation and a letter of why the XXXX  XXXX Bankruptcy and an account through XXXX XXXX should be removed. The XXXX  XXXX Bankruptcy has been met and removed from public files and the XXXX Account was in the bankruptcy which also should be removed. I provided them documentation they come back and stated they have to dispute account. After the dispute is completed they tell me that account was verified which in reality was not because the company I spoke with supplied me a letter to provide the agency that account should be removed. This has caused me so much XXXX  and stress to where I have not been able to focus on everyday life. What has made it harder is the language barrier when I call in because I am unable to understand what the representative is talking about. I am not sure if they are from another country but when I try to have conversations it makes it very hard to explain myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Navient Solutions, LLC.
State: NC
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:
Good Morning. My name is XXXX XXXX. My account number is XXXX. I just spoke to a Navient representative. I was also informed Navient only reports at the end of the month. I am currently in a deferment and my loan is in good standings and has been in good standing for the last few years. There is no balance due on my account. Navient has reported incorrect information to the credit bureau twice this month. Once on XX/XX/2021 and XX/XX/2021. My credit score has dropped 42 points. This has caused me great pain and suffering. I have been working on my credit I have paid over several items recently. Navient has done this in XXXX of this year and they fixed the problem now this is happening again. This is unacceptable. I have called, emailed, mailed, and faxed numerous letters to Navient and no response. Navient has only reported this to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
For the past several months, I have reached out to Pacific Credit Services in regard to a collection account they have placed on my credit. I have not been successful in getting the matter resolved which is why I have elected to file this complaint. I have no knowledge of what the account is for because I was never contacted by them- they just placed the debt on my credit. Additionally, I HAVE BEEN A VICTIM OF FRAUD. I have a police report on record- the bureaus have it and i filed a complaint with the FTC . Again- I have no knowledge of account number XXXX AND I AM REQUESTING THE FRAUDULENT ACCOUNT AND IT'S FRAUDULENT PAYMENT HISTORY BE EXPUNGED FROM MY CREDIT IMMEDIATELY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: National Credit Systems,Inc.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ... NATLCRSYS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation