BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act these accounts below have violated my rights. 

15 U.S.C 1681section 602A states I have the rights 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.. 


Common wealth {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$80000.00} XXXX 2014 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 2022-06-24
Company: Experian Information Solutions 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 sent my first round of dispute letters to each credit reporting agency in XXXX of XXXX stating that a bankruptcy on my credit report wasn't verified and to provide me the physical proof of verification. Within 3 weeks each credit bureau stated that it was verified via XXXX XXXX. I contacted the court that was listed on my report asking them to provide me with their method of verification to which they responded with a letter stating they do not physically verify with credit bureaus. I sent a second round of dispute letters in XXXX of XXXX along with the letter from the court stating I wanted the proof of physical verification. Its been 3 weeks and i called today to follow up. I spoke to XXXX separate individuals both providing me with generic responses " it can take up to 30 days for a dispute to be updated '' I said I provided documentation from the court and I was told " credit bueaus dont process documents or review them we just upload them into your file '' I was told that expXXXX XXXXXXXX XXXX XXXX  gets their information from XXXX XXXX which is a third party vendor who still doesnt physically verify. The credit bureaus are refusing to delete the bankruptcy yet they arent physically verifying nor are they providing me proof that they actually investigated each time I've disputed.

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 2021-11-25
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
First Mark, the new debt collector for XXXX XXXX XXXX loans, claims they can not lower monthly payments or do any consolidation because the terms and conditions can not be changed from my original lender, and that the First Mark does not offer any of these services. They also can not pause or temporary stop any collection like federal loans. All delinquent payments or accounts would be reported to appropriate credit agencies. There were also no terms and conditions about pandemic like situations except for disaster and temporary hardship situations. Even before XXXX XXXX sold or handed their loan collection agency to First Mark, XXXX XXXX also said that they could not find a lower payment based on my information even if we were in a pandemic with reduced hours. They would also report to credit agencies if delinquent or late. Then First Mark said that researching a third-party lender to refinance or takeover the loan would solve my problem. A new lender would make it worse because consolidation fees, transfer fees, and new interest rates would be applied making the loan larger and longer than I originally consolidated or got the loan approved for before starting repayment. All the payments I started making to pay the loan back would then be lost and become the new amount of interest/fees owed when consolidating or transferring to a new lender. So who is going to help me? Nobody? How are we supposed to deal with student loans during unforeseen circumstances like a Pandemic? This is very unfair during a pandemic since all the federal loans stop collection for over a year. This is also unsecured debt because nobody knows how much annual income you would make a year after graduating college even if you picked a degree or career that is in demand or in need. There is no guarantee that you would get hired at any job, company XXXX corporation, agency, or place. That is why I am complaining because it discourages future students from borrowing or going to college and hurts those that are trying to repay. I am not even working in my " dream '' career or making as much as I did before Covid or receiving promotions and pay raises. If I could just have my payment lowered a little bit to under $ 125~ {$140.00}, it would help a lot and I wouldn't have to miss a payment or complain to the CFPB about their collection practices and the agency itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: Experian Information Solutions Inc.
State: CA
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 XXXX Account # 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 a 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 explanation
Consumer complaint received 2022-09-19
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/2022 I disputed the following account XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX  ( XXXX ), Address ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX I requested that Experian and XXXX to removing the following accounts from my consumer report as they have violated 15 USC 1681 ( b ) by reporting the following accounts without permissible purpose. I am also requested Experian and XXXX remove the following information from my consumer report within 15 days! XXXX has yet to respond to my dispute.

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 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-07-27
Company: Albert Corporation
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I believe a fraudulent account through the Albert financial app has been opened in my name using my social security number. 

On XX/XX/27, I received an email thanking me for signing up for " XXXX XXXX, '' which I never signed up for. 

I tried to email Albert to say that this account was fraudulent, but they responded that I had to log into the app to receive any help. 

Then, I subsequently received an email with a pre-filled direct deposit form, with " my '' alleged signature, and an old address I used to live at. 

When I tried to download the app to reset the password and get help, I could not log in without giving my social security number.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX, XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX, Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # 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 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 2022-06-06
Company: Experian Information Solutions Inc.
State: MD
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: Investigation took more than 30 days

Complaint:
I contacted XXXX after several failed attempts as they are a very hard company to get ahold of to set up an online account then contacted them trying to make payments over the phone which they refused to take at the time. It was the most painful process I have ever been through until they finally tweaked their system. While all that was going on it was hard to get the payment to them. Then the XXXX strike hit, as where i am a XXXX XXXX XXXX who is is mostly paid by commission on our shops month end. Well with XXXX on strike we could not get parts in to fix cars which reduced my pay tremendously. Then COVID hit shutting the world down. I had called and spoke to XXXX credit where they told me there would be zero late marks added to the credit report and were supposed to push my payments out so they would not be past due and were not going to hold me responsible for prior late payments due to strike. I have disputed several times and everytime they refuse to remove the late payments although there were supposed to be ZERO due to COVID. As I am finally pulling myself up out of the hole these negative remarks are really wreaking HAVOC on anything i am trying to do. I request that these past due payments get deleted from all XXXX credit bureaus.

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 2022-06-06
Company: EQUIFAX, INC.
State: MD
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: Investigation took more than 30 days

Complaint:
I contacted XXXX after several failed attempts as they are a very hard company to get ahold of to set up an online account then contacted them trying to make payments over the phone which they refused to take at the time. It was the most painful process I have ever been through until they finally tweaked their system. While all that was going on it was hard to get the payment to them. Then the XXXX strike hit, as where i am a XXXX XXXX XXXX who is is mostly paid by commission on our shops month end. Well with XXXX on strike we could not get parts in to fix cars which reduced my pay tremendously. Then COVID hit shutting the world down. I had called and spoke to XXXX credit where they told me there would be zero late marks added to the credit report and were supposed to push my payments out so they would not be past due and were not going to hold me responsible for prior late payments due to strike. I have disputed several times and everytime they refuse to remove the late payments although there were supposed to be ZERO due to COVID. As I am finally pulling myself up out of the hole these negative remarks are really wreaking HAVOC on anything i am trying to do. I request that these past due payments get deleted from all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Investigation took more than 30 days

Complaint:
I contacted XXXX after several failed attempts as they are a very hard company to get ahold of to set up an online account then contacted them trying to make payments over the phone which they refused to take at the time. It was the most painful process I have ever been through until they finally tweaked their system. While all that was going on it was hard to get the payment to them. Then the XXXX strike hit, as where i am a XXXX XXXX XXXX who is is mostly paid by commission on our shops month end. Well with XXXX on strike we could not get parts in to fix cars which reduced my pay tremendously. Then COVID hit shutting the world down. I had called and spoke to XXXX XXXX  where they told me there would be zero late marks added to the credit report and were supposed to push my payments out so they would not be past due and were not going to hold me responsible for prior late payments due to strike. I have disputed several times and everytime they refuse to remove the late payments although there were supposed to be ZERO due to COVID. As I am finally pulling myself up out of the hole these negative remarks are really wreaking HAVOC on anything i am trying to do. I request that these past due payments get deleted from all XXXX credit bureaus.

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 2022-09-19
Company: Experian Information Solutions Inc.
State: VT
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:
My identity was stolen. Someone unfroze my Experian credit file and opened bank accounts at XXXX  XXXX XXXX XXXX on XX/XX/2022. XXXX  XXXX XXXX XXXX said the person has my social security number and a copy of my passport. The accounts have been closed, police report filed, credit file refrozen, form filled out at identity theft.gov. Can not get connected to a person at Experian to ask how the credit file got unfrozen. Working on canceling passport.

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 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance Owed : {$0.00}

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 2020-01-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We have taken over my mother in laws mortgage when he past away. We received numerus notices that she was behind on her mortgage and foreclosure was starting. However the statements would say her payment was received late but not missed. According to her bank statement payments were sent soon enough but not posted until the XX/XX/XXXX so a late fee could be put on account. since then they have done the same to us. If we pay total amount due the following month we will notice that fees are applied but not sure for what. They have charged fees ( $ 80- {$100.00} ) saying people are checking on the property to see if anyone is living there. The math on the statements and late notices do not add up correct. ( example ; mortgage payment of {$720.00} was not received if not received by XX/XX/XXXX a late fee of {$27.00} will be assessed and total due is {$920.00} ) or same but with a ( mortgage payment of {$690.00} with late fee of {$0.00} with new payment of {$750.00}. ) late fees seem to not be consistent month to month and applied whenever they want. 
XX/XX/XXXX Statement does not match tax statement sent out. When I have called to try to talk to them and read their letters or point out an error I get cussed at, put on hold for a long time then when they get back on the phone they want to transfer me then hang up. When payments are made over total amount due over payment is not applied to account and when we call and ask they tell us they can apply money where they need to. These are just a few issues we are having. I have asked where to send the paperwork to for review and was told if the have time they might look at it or I can drive to the office and sit and wait for someone. No office is around us we live in Georgia ( this has been going on for several years ) This company is rude and is stealing money from people and you can not work with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2022 I was on my lap top and noticed a cursor, not mine, moving around and then my face appeared on my screen. I called an associate who works with computers and he said you been hacked. I tried to open my Wells Fargo bank accounts and it would not open. I went to my local Wells bank and a banker got into my account and said that someone is trying to transfer {$25000.00} and {$40000.00} from your savings account ( XXXX ) into your checking ( XXXX ) and wire {$22000.00} to someone's account. The banker got Wells fraud person on the line and I answered his questions about what I use to do banking and I told him I'm XXXX XXXX XXXX and I don't use any other device other than my lap top to look at my accounts and I make all my deposits at the bank. The fraud department gave me an Case # XXXX and a claim # XXXX to stop the {$22000.00}. 
After that the Wells banker said I should close my savings and checking accounts and open new ones which we didXXXX per his advice. 
on the XXXX of XXXX I looked at my new accounts and the {$22000.00} was taken from the new checking account not the old one.

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX reported an inaccurate late payment on XX/XX/XXXX to the credit bureaus which made my XXXX XXXX drop XXXX points. I have been enrolled in graduate school since XX/XX/XXXX at IXXXX XXXX  XXXX. XXXX submitted deferment papers verifying that I am enrolled in school. I contacted XXXX to confirm that the deferment was recieved on XX/XX/XXXX and was told that it was recieved on time. I asked why did the report a late payment to the credit bureau and the lady I spoke with said that it was incorrect and that I must file a complaint. I made XXXX attempts to speak with the office that handles credit complaints and the call was disconnected both times. I am very devasted by this injustice because I just fulfilled the requirements to be successfully XXXX from a XXXX XXXX XXXX and am establishing my credit. This inaccurate reporting has hurt me significantly.

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