BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I reported a dispute with trans union over my adress.

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 2022-08-27
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
So far this company keeps changing dates every time I dispute with credit bureaus, last dispute was a week ago and they charged the date from XXXX of XXXX to XX/XX/XXXX of XXXX and previously they indicated I took the loan on XX/XX/XXXX and this time they took the date completely out, I called this company and explained that during that time it was stay at home order and i had XXXX as well on quarantine and lost my XXXX like majority of Americans, our XXXX  room was closed due to XXXX and i didn't get my XXXXt check till XXXX of XXXX a year later for all those months with XXXX check because it was tight up for identity verification with XXXX. I had the worst time of my life and state of California put freeze on rent and collection because we all were suffering at that time and it was time of survival not collection. I didn't even recieved a single mail from this agency and they went report to credit bureaus and don't want to negotiate, it's a shame, this company is XXXX XXXX located in XXXX, KS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: EQUIFAX, 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:
Upon reviewing my credit reports, incorrect accounts are still presenting in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are needs to be corrected on my Credit Reports immediately : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Every year I receive a letter showing the " interest '' paid to my Student Loan, so I can deduct it from my taxes. This year they did not send the " interest '' letter, so I wrote to them requesting that they send the " interest '' letter. 
What I received instead was a letter threating to garnish my wages in spite of the fact that I 've made on-time payments since XX/XX/XXXX. 
The bills I received were from US DEPT OF ED - XXXX XXXX XXXX - XXXX XXXX XXXX. 
The threating letter was sent from PIONEER CREDIT RECOVERY - XXXX XXXX XXXX - XXXX XXXX. 
I responded by sending a letter showing the payments made through my bank from XX/XX/XXXX-XX/XX/XXXX 
It 's XXXX XXXX, and I still have not received the " interest '' letter. 
I 'm just waiting to see if they garnish my wages.

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 2015-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
My x-boss got in to my wallet and got my XXXX card issued by bank of america and used it for XXXX times, when I contact bank of america 's customer service they told me that they CAN NOT do anything about it! because I knew who did those unauthorized transactions " my x-boss '' and because we had ( my x-boss and I ) an agreement to pay off the balance, so it is my responsibility to fix that even if he ( my x-boss ) did those unauthorized transactions by phone paying a bill to XXXX XXXX, still bank of america CAN NOT do nothing about that, in other hand, if you have a boss and you do have a credit card issued by bank of america, you should cancel that card ASAP, or if you have a card issued by bank of america and you have ( friend, relative, coworkers or any human you know on this planet ) you should cancel your card ASAP, because you are responsible for any unauthorized transactions made by them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/2022, XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX BANK XXXX XXXX Balance : {$5900.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, Medical XXXX Balance : {$96.00} Medical XXXX Balance : {$110.00}, Medical XXXX Balance : {$10.00}, Medical XXXX Balance : {$75.00}, Medical XXXX Balance : {$21.00}, Medical XXXX Balance : {$80.00}, Medical XXXX Balance : {$210.00}, Medical XXXX Balance : {$31.00}, Medical XXXX Balance : {$310.00}, Medical XXXX Balance : {$28.00}.

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 2020-08-18
Company: U.S. BANCORP
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX Pre-trial Center phone number:XXXX Called me on XX/XX/XXXX and notified me of an overdraft debt to Us Bank from XXXX. 
talked to a nice lady she notified me of the debt and I said I would call her back. I called Us bank imminently afterwards and they can not pull up the debt, and are not perusing the debt. I called the collection company back and request written notice of the debt and they gave me my address and the past 2 addresses I've lived at and said I have already been notified in the mail. ( Which I have not ). I  then asked for them to verify the debt with us bank and he basically refused. I also told him what us bank told me about not being able to access the account since its been 13 years. he went on a sepal about thats because the debt was sold. again i asked him to verify the debt he said he did not need to and that they will see me on Friday when they serve me for defrauding a financial institution. I again asked them to get a hold of us bank and he went on a tangent and i said Fine go ahead and sue me because in Ohio the statue of limitations on suing for debt is 6 Years he incorrectly said its 7 years. the debt is from 13 Years Ago! they did not even give me the amount owed.

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 2017-01-20
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My account skyrocketed after unbeknownst to me i was paying interest only for 5 years and my loan balance never went down!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Nelnet, 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: Account status incorrect

Complaint:
Hired XXXX XXXX on XX/XX/XXXX of XXXX, who is an organization that works on credit repair. They have been challenging and disputing information with the 3 credit bureaus, XXXX, XXXX and XXXX. Still the bureau is refusing to remove, which the items are past the statute of limitations, which are the following : department of education/Nelnet. Account number XXXX opened XX/XX/XXXX reported type 120+ day late payment and department of education/Nelnet XXXX opened XX/XX/XXXX reported type 120+ day late payment which are past the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Avant Holding Company, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1. In accordance with the fair credit reporting act XXXX  Avant, has violated my rights.

2. 15 usc 1681 section 602 states I have the right to privacy.

3. 15 usc 1681 section 604 A section 2 states a customer reporting agency can not furnish an account without my writing instructions.

4. 15 USC 1666B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I was charged a late fee for paying too early. In XXXX 2015, I made a credit card payment to Capital One. The payment arrived at Capital One on my statement closing date, so instead of applying it to the correct statement, they applied it to the previous statement and declared me past due when the payment due date arrived. I was charged a late fee and had my account suspended even though I paid EARLY!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: DRAPER AND KRAMER MORTGAGE CORP AND ECLIPSE MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Regarding complaint XXXX : Following my earlier response, the company forwarded the attached information to evidence the matter had been resolved and title to my home was now correct. However, upon reviewing the attached, it indicated that the home was now owned 75 % by my wife 's trust and 25 % by my trust. The home was transferred to both of our trusts 50/50 in 2000. Please see attached evidence. This issue has NOT been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX incorrectly reported my mortgage as being in forbearance. We never requested forbearance, and all of our payments have been on time. This ruined our refinance and now they refuse to even provide a letter correcting this false report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is ridiculous! I have been disputing for the removal of the fraudulent items from my Credit report and yet the Credit Reporting Agencies have done nothing! I started disputing for the removal of the fraudulent items from my Credit Report since XX/XX/2022 and the last letter I sent to the Credit Bureaus was dated XX/XX/2022. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identity theft. If the Credit Bureaus claim that the information they report are accurate and verified, I need the Credit Bureaus to send me copies of documents bearing my signature as proof of verification. If the Credit Bureaus are not able to provide the requested documents, and continue the reporting of the disputed items, please understand I will initiate legal countermeasures. If it is not that too much trouble, please remove the following fraudulent items completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXS DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX 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 2022-08-27
Company: EQUIFAX, 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:
This is ridiculous! I have been disputing for the removal of the fraudulent items from my Credit report and yet the Credit Reporting Agencies have done nothing! I started disputing for the removal of the fraudulent items from my Credit Report since XX/XX/2022 and the last letter I sent to the Credit Bureaus was dated XX/XX/2022. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identity theft. If the Credit Bureaus claim that the information they report are accurate and verified, I need the Credit Bureaus to send me copies of documents bearing my signature as proof of verification. If the Credit Bureaus are not able to provide the requested documents, and continue the reporting of the disputed items, please understand I will initiate legal countermeasures. If it is not that too much trouble, please remove the following fraudulent items completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Experian Information Solutions Inc.
State: SC
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 Soc Sec # XXXX. 

The account is with XXXX XXXX Auto Loan account # XXXX amount {$17000.00} with the monthly payment amount of {$350.00}. This account belong to my XXXX sister. I co -signed for my XXXX sister to get a car previously with XXXX XXXX XXXX that car was totaled lose, and that loan was paid off. 

My sister went back to get new car form that same dealer ship ... that financed that car with XXXX XXXX ( this below info ) I did NOT sign any documentation for the new car my XXXX  sister obtained the above loan on her own. 
I have asked XXXX XXXX to remove this account from my credit report, to date it has not been done.

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 2022-02-22
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:
My name is XXXX XXXX XXXX, There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Paypal Holdings, Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened online banking and noticed PayPal was ripping off my money {$14.00} bucks here {$8.00} There and did this several times. I'm working with my credit union to get my money back but can only go back 90 days. And there is money stolen before 90 days. When I asked PayPal for help in the resolution center, they brushed me of with some AI program. All responses started with we know how you fell ... But all acted like it's my fault verify your account. They stole my money. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: BARCLAYS BANK DELAWARE
State: NJ
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. In accordance with the fair credit reporting act XXXX  BARCLAYS BANK DELAWARE, has violated my rights.

2. 15 usc 1681 section 602 states I have the right to privacy.

3. 15 usc 1681 section 604 A section 2 states a customer reporting agency can not furnish an account without my writing instructions.

4. 15 USC 1666B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2016-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Transunion should not be allowed to " Rubber Stamp '' my dispute with the company 's response. Of course, the mortgage company is going to say they are correct. I provided payment history to Transunion for the entire loan showing my payments were made and not 30 days late. This issue started with a minor dispute of my escrow account that XXXX XXXX ignored and they did not provide communication or statements. I contacted them numerous time by phone. This MINOR correction snowballed as XXXX was charging enormous and erroneous charges to my account. These were not even allowed if you read my loan contract. XXXX XXXX probably owes me $ XXXX. I went through proper channels with XXXX to no avail even though their President acknowledged their mistakes. They started foreclosure proceedings doing monthly inspections even though they received payment each and every month as well as I was in contact with them by email and telephone several times per month. They did not send anything in writing stating they were beginning these proceedings - also against the RESPA laws. Transunion has documentation from XXXX 's President saying they would reverse charges. I expressly inquired to XXXX if they had corrected my credit. They did not and should have. I have had bank mortgage personnel review my payments to XXXX and they were so messed up, confusing and convoluted the PROFESSIONALS could not reconcile my loan!!! WOW! 
Transunion 's response to my dispute - " We have reviewed your complaint along with the information you previously provided regarding this issue. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX, XXXX XXXX XXXX # XXXX was notified of your disputes. In response to the investigations, the disputed information was verified Mortgage Loan Number Loan # XXXX have contacted XXXX XXXX XXXX at XXXX and spoke with XXXX XXXX. According to their records, the late payment history reflecting for XXXX XXXX - XXXX XXXX is accurately reporting for XXXX XXXX XXXX # XXXX. '' XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX, OK XXXX My original dispute to Transunion " XXXX XXXX has erroneously reported my credit 30 days late for nine months beginning XXXX, XXXX through XXXX, XXXX ( sold house XXXX, XXXX ). '' I disputed this directly with XXXX XXXX numerous times over the past two years, and I also contacted Transunion to dispute this information. Transunion 's response was " XXXX, XXXX XXXX ''. 
XXXX Mortgage even had their attorney send me correspondence telling me to quit contacting them or anyone else regarding my credit reporting, after I have them a bad review on Oklahoma 's XXXX site. Really? That is XXXX. XXXX XXXX, in my opinion, is a group of " Thieves ''. I have seen numerous other disputes from their customers similar to mine.

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 2020-08-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After carefully going over my credit report I noticed there are accounts on my credit report that are reporting inaccurately. On XX/XX/2020 and XX/XX/XXXX I wrote Experian they failed to reply within 45 days to verify these inaccurate accounts. Please delete and block these negative accounts from my credit report, they are causing serious harm.

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