BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-02
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:
On XX/XX/2022 I sent a letter via regular XXXX mail and certified mail ( tracking ID # : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX ) In accordance with the Fair Credit Reporting Act the below have violated my rights. 

-XXXX XXXX XXXX  Account # XXXX ( partial account number ) -U.S. Bkpt CT Fl XXXX Identification XXXX : XXXX -XXXX  Partial Acct # : XXXX -Capital XXXX Partial Acct # XXXX XXXX Partial Acct # : XXXX - XXXX XXXX XXXX XXXX # XXXX 15 U.S. Code 1681 section 602 A states that I have a right to privacy 15 U.S. Code 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 2022-08-23
Company: Shellpoint Partners, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
my mortgage on my condo was sold and serviced by shellpoint mortgage servicing on about XX/XX/22. about 2 months later I was informed I needed to have hurricane insurance. I did not receive a first notice and responded to a second notice. I was told if I did not get the insurance they would take out the insurance at a higher cost. I proceeded to get the insurance at a cost of about {$200.00}. I was told at that time that they had taken out insurance with there own company for aprox {$770.00} starting when they purchased the mortgage. My previous mortgage company did not require the insurance. I was told they would cancel there policy and I would be refunded. There policy was cancelled and I never received any refund. I have made about 5 calls to there company and been on hold for hours. I was never informed about the insurance, never received a binder or cancellation notice. They just charged me for it and sent me no letters or paperwork. I feel I am being given the run around and they are stealing money for. I keep getting promised return emails and phone calls which I never receive. I received one email.

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 2022-08-02
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have reached out and they stated that the information has been verified but by how? not from me and never received anything asking me did I do anything or lived here

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: NAVY FEDERAL CREDIT UNION
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: Investigation took more than 30 days

Complaint:
Early in XXXX I was affected XXXX, and it affected me pretty badly, I didn't make any commissions and couldn't meet with any customers while I was ill. 

I contacted by lender and told them if I could put the payment on the back end of the loan since I was unsure when I would be able to work, and I also needed to make sure I had as much money available to me so it was a courtesy I was looking for. 

Last year I was affected by XXXX last XXXX and they moved a payment on back end for me. The rep did not mention to me that I was ineligible to put the payment on back end since it was already done within a 12 month time. She told me I would have a payment that would be due in the following month. I did not receive any notice that my approval was denied for the extension. 

As I recovered and was planning to catch up I received a notification that I received a 30 day late. I contacted Navy and they stated I would need to dispute it to the credit bureaus depsite the fact that they listened to the recording and they rep wasn't clear that I was denied or approved, and I never received anything from Navy stating that I wasn't approved.

The supervisor I contacted stated he was going to put a recommendation to remove the late since I have never been 30 days late before and this was a misunderstanding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/22 I received an alert from XXXX that a new Wayfair/Citybank credit card was opened in my name. I immediately called all 3 credit bureaus to report that I did not open a new account, I also put a freeze on my credit reports, called Wayfair/citybank and reported this account as fraudulent and asked that they close the account. They informed me that they would investigate the claim and let me know their findings. I received a letter today stating the following : The information reviewed as part of the investigation does not support your claim that this account was fraudulently opened using personal information : The letter also states that I will be responsible for any charges relating to the account. I will be going to the local police station to file a 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 2022-08-02
Company: EQUIFAX, INC.
State: TN
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:
As I explained prior, the XXXX account is not reporting to my Equifax! It is a open and active account that should report to all 3 CRAs. Equifax has confirmed this account is not reporting, thereby confirming their willful negligence and inaccurate reporting. I have reached out to you all, Equifax, on numerous times to get you all to report this account as it should be reported - 100 % correctly and as an active account. For some reason, you guys refuse to report this account accurately or AT ALL. I have recorded phone calls working with Equifax trying to get this issue resolved, multiple times. I even placed a call with XXXX on the phone to resolve the issue once and for all because XXXX has reported the info to Equifax but they wont report it - this is discrimination and inaccurate reporting in violation of FCRA. You guys have harmed my credit reputation by refusing to report one of my tradelines causing lower scores on my Equifax. This is the entire issue and I am seeking damages and compensation for failure to dispute after being contacted ( I have recorded calls with Equifax refusing to correctly dispute and rectify the issue. At this point, this is willful negligence, Equifax has caused a significant amount of overall damage to my reputation. 

I have proof of recorded phone calls that transpired with me and Equifax. Equifax refused to dispute and/or report the account. Credit reporting agencies are required to report accurately and this has not been done due to Equifax refusing to rectify the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: The Outsource Group, Inc
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt verification letter via certified mail to XXXX. The company received and signed for receipt on XX/XX/2022. The company has not only failed to send me a debt verification letter with the requested information but has since tried to call me once and has sent 3 letters to my home. It has been over 30 days and this point and this company continues to harass me about which a debt they can not provide verification to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: ENOVA INTERNATIONAL, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
this is not my debt. this was opened online with stolen information. i had to close my bank account due to this matter because someone gathered that information also. Im not sure what more to do here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
In accordance with the Fair Credit Reporting my rights have been violated. I have also noticed that someone used my information. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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. I have repeatedly asked that this information be updated but to no avail has anything happened. I also have opted out of the secondary credit furnishing companies.

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 2022-12-12
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone attempted to open a TD Bank/target card in my name today XX/XX/22. They stated that they denied the application. I want it on record that this be removed from my three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX 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 : It also states that a consumer reporting agency can not furnish a account without my written instructions. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S.C 1681B Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

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 2022-12-12
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have my mortgage with ShellPoint Mortgage Servicing. I make my payments on time every month through automatic ACH withdrawal. For the month of XXXX, they failed to apply my payment on time which then caused a waterfall of issues that now have hit my credit report. When i initially spoke to them on XX/XX/XXXX, the indicated that they identified the issue and sent a request to correct the issue and apply the payment. They also indicated that this would not impact my credit report. On XX/XX/XXXX, i started getting notifications from all of my credit monitoring software apps indicating that there was a change in my XXXX XXXX. Come to find out that Shellpoint did report this to the credit agencies as a late payment in contradiction to what they said they would do. When I contacted Shellpoint again on XX/XX/XXXX, I was told that they could see that there was an error and that I would not have to do anything. The rep that I spoke to indicated that he would send a request to have my credit report updated. I called back on XX/XX/XXXX to check on the status and spoke to a rep that told me that i had to send a request in writing to correct this error ( which was their fault to begin with ) and to have my credit file updated. After XXXX minutes of arguing with this person that I should not have to work so hard to get their mistake corrected, he indicated that the system was just updated to show that they sent the request to have the file updated. I asked to speak to a XXXX and of course XXXX was not available, but the rep I spoke to stated that " XXXX '' would call me back in XXXX hours later. Of course that did not happen, so I called back in on XXXX and asked to speak to a XXXX, once again XXXX was not available, but someone named XXXX XXXX was going to call me back. The level of incompetence and unwillingness to solve a problem that they created with any sense if urgency is dumbfounding. I am in a personal situation where my XXXX XXXX is critical, and I have spent my entire life paying my bills on time to maintain an above XXXX XXXX XXXX and for this mistake to tarnish it, with no regard to a sense of urgency to get it fixed is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
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 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 non-monetary relief
Consumer complaint received 2022-12-12
Company: SANTANDER HOLDINGS USA, INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account Santander Consumer USA, # 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. 

Total amount also was increasing as loan was being paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
National Credit Systems claimed the following as a response to my previous complaint : " National Credit Systems , Inc. is a third-party debt collection agency that is collecting a debt on behalf of XXXX XXXX XXXX. These charges were not assessed by XXXX. XXXX XXXX has disputed her debt and XXXX has submitted her dispute to the CRAs as required by law. Additionally, we conducted an investigation of XXXX XXXXXXXX XXXX claim ( s ) by contacting the original creditor directly. They confirmed that the charges assessed were accurate and advised XXXX that XXXX XXXX never gave notice to move out. She came in and stated to the leasing office that she had given a 60-day notice to move out with previous management company. XXXX XXXX XXXX ( rep with XXXX XXXX ) stated she was employed with previous management and she never received any move out notice from her. When XXXX XXXX took over she came in the office on the XXXX of XXXX and said she was leaving on the XXXX of XXXX therefore we gave her the 30-day notice for her to sign she refused to sign and said she was not going to pay another month when she was not going to be here. They confirmed that she did turn in keys on XX/XX/XXXX If the consumer has additional information supporting her claim ( s ), please have her provide the documents to XXXX for further investigation and action if appropriate. '' However, there are fabrications in this message. I, XXXX XXXX, DID provide my 60-day notice ( see all previously provided proof ). I also could not have possibly gone into the office of XXXXXXXX XXXX on XX/XX/XXXX as I was working a XXXX XXXX shift in XXXX, Texas. I have attached the proof from my employer. On XX/XX/XXXX I had a XXXX appointment immediately after work at XXXX and immediately went to XXXX XXXX afterwards for lab work. I do not feel proof of these medical circumstances are required at this time but if they become necessary I will provide the proof. Therefore, I could not have possibly done the events XXXXXXXX XXXX and National Credit Systems are claiming which makes these a lie and a serious violation. I am being wrongfully accused and wrongfully being reported. Lastly, I turned in my keys on XX/XX/XXXX. If they are claiming I went to the office to turn in keys on XX/XX/XXXX they will need to provide proof as it has been established that they lie in an attempt to receive money and they simply can not be trusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
This Auto loan was issue with my similar personal information after investigating with Santander Consumer they were able to verify this account was not mind and deleted item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX and XXXX upon my search I found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) method of verification- description of reinvestigation procedure. I have recurring collection that has been reported and asked to be removed several times. This XXXX XXXX XXXX has been unlawfully requesting {$100.00}. The account number ends in XXXX. I also have an inaccurate balance of {$4500.00} with XXXX at XXXX ( Hunter Warfield ). This company is reporting a false and inaccurate debt amount. The account number ends in XXXX. I would appreciate it if both of these accounts could thoroughly be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is an account from Pentagon Federal Credit Union that has continuously been reporting a charge-off on my credit report on a month-to-month basis, even though it was closed since XX/XX/2017. I have previously submitted disputes to the credit bureaus and Pentagon Federal Credit Union directly. 

Upon checking my credit report again now in XXXX, the account has not been corrected or removed. I also see that the dispute remark is missing. The account also states it was closed at consumer 's request ; I never requested to close the account. 

If an account was truly closed because I requested to close it, how can it continuously be reporting a charge-off each month? This is inaccurate because the account is closed. 

How can this account be reporting without showing the date it was closed? If the date closed is not reporting, then it is unverified information. 

It is also unfair to report negative information but not positive information, specifically the on-time payments I have made on the account that are showing as " No Data ''.

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 2022-08-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
delete inquires

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 2022-08-23
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Back on XXXXXXXX XXXX XXXX my car was stolen along with everything in it ( car keys, house keys, license, registration ect ). This also included my phone. The person who robbed me wiped out my bank account leaving me with only XXXX cents. I contacted my bank ( Chase ) who was able to give me part of my money back but states the other part they are unable to detect fraud. I have been back and forth with Chase for almost two months concerning my {$730.00}.

Company response to consumer: Closed with explanation