BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that you are reporting Deleted account from other Bureau when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require theTransUnion to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct :

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 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In accordance with the Fair Credit Act XXXX the information provided below has violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The accounts provided I requested several times for the credit bureaus to verify the information with these accounts for I did not recognize them. I only received letters simply stating account verified. However I requested details of how they verified them and to whom they spoke with to verify these items. They have yet to provide my this information that is required by law. Also when I update my credit reports I can see that nothing has changed since my request. All the data is still the same and not even the same per bureau. My attorney suggested I file this complaint. I have also filed a FTC Complaint as well. 
Account related items are. XXXX. XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX & XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC code 1666b- Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1647 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 USC 1681a Definitions ; rules of construction ( A ) subject to section 1682s-3 of this title, any- ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Late payments are illegal according to the 15 usc 1681a ( 2 ) ( 1 ) under exclusions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I contacted Wells Fargo because I'm eligible to remove the Mortgage insurance off my loan. They told me that they don't remove the Mortgage insurance and I have to pay it until the end of my loan which is incorrect. PMI can be canceled after your home 's value has risen enough to give you 20 % to 25 % equity in your house. The value of my house has increased over 25 % in past XXXX XXXX XXXX. So they refuse to remove it for whatever reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Nelnet, Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to DEPT OF EDUCATION/NELN XXXX, DEPT OF EDUCATION/NELN XXXX XXXX DEPT OF EDUCATION/NELN XXXX XXXX and DEPT OF EDUCATION/NELN XXXX. I made all my payments in time. I was never late. You're reporting this account erroneously. This is an error and inaccurate information must be removed from my credit file. Please remove this immediately from my report. If there is any confusion, I suggest you contact myself or NelNets customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
TRANSUNION is obligated by the FCRA to report accurate accounting, consumer has advised ALL the inquires reported was fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting TRANSUNION to provide the documentation used to determine inquiry was indeed authorized by the consumer, TRANSUNION has 15 days to provide me with the name of the person spoken to documentation signed application with my wet ink signature, consumer is not asking for an e-oscar report, if TRANSUNION does not have documentation to show these were in fact authorized it must be removed asap, SAID company is liable under the SEC to follow certain rules. TRANSUNION Commission file number 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will be filing form 211 treasury omb forms to audit consumers account. TRANSUNION is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT Fair Credit Reporting Act 15 USC 1681 section 602 ( a ), 15 USC 6801, 15 USC 1681 section 604 ( a ) section 2, 15 USC 6802 ( b ) ( c ), USC 1681C ( a ) ( 5 )

Company response to consumer: In progress
Consumer complaint received 2023-09-27
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Fair Collections & Outsourcing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Original Amount Owed : {$1000.00} Date Assigned : XX/XX/2023 Status Date : XX/XX/2023 Status : UNPAID I am writing to formally dispute the validity of the debt associated with Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which you are attempting to collect on behalf of XXXX XXXX. According to your records, the original amount owed is {$1000.00}. I want to clarify that this collection account is not mine, and I request its immediate removal from my credit report and any further collection attempts. 

My dispute is based on the following grounds : 1. **Identity Theft Concern** : I have never had any financial dealings with XXXX XXXX or incurred this debt. Therefore, I believe that this account may be the result of identity theft or a reporting error. 

2. **Consumer Disputes** : As indicated in the account comments, it is stated that " CONSUMER DISPUTES THIS ACCOUNT INFORMATION. '' This demonstrates that there is an ongoing dispute regarding the accuracy of this debt. 

3. **Laws and Rights** : Under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws, I have the right to dispute the validity of a debt and request verification. I am also entitled to ensure that any inaccurate or unverifiable information is removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Block, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was paying for an XXXX just someone to keep me company she had me pay an extra {$300.00} to ensure it was a safe XXXX  sounded legit I would get my refund back immediately on meeting the XXXX then came a long list of fees totaling almost {$800.00} reassuring me the entire time that all these are refundable I never got my money back at some point you have to stop giving them money I was just hoping that this criminal would keep his word her word I don't know finally the last straw was {$200.00} for a refund file I'm not XXXX I'm a software engineer at best it's a piece of paper like a receipt but still no intention paying it back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: CITIBANK, N.A.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In aacordance with the Fair Credit Reporting Act Macys/Citibank N.A.has violated my rights refernt to account # XXXX XXXX USC 1681 Section 602 A States I have the right to privacity.

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

See more detaills at letter attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I REQUESTED VALIDATION FROM EACH BUREAU AS I RECEIVED THAT THIS ACCOUNT WAS VERFIED AS MINES I FILED A COMPLAINT ON XX/XX/23 WITH XXXX CONSUMER FINANCIAL PROTECTION BUREAU AND GOT A RESPONSE THEY VERIFIED ON XX/XX/23. I THEN SENT AND ASKED FOR A METHOD OF VERIFICATION OUT TO EACH BUREAU ON XX/XX/23 WHICH I HAVE NOT GOT A RESPONSE TO MY DISPUTE. PLEASE RE-INVESTIGATE AND SEND METHOD OF VERIFICATION OR DELETE ASAP!!!! 

The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX # XXXX ) 15 U.S.C 1681 section 602 A. States I have the right to privacy. XXXX U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Thank you, I explained some of this in the field above, here is the latest in a large number of emails i have written to Mr. Cooper, sent this morning " Good morning, I am the owner of apartment XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX New York XXXX XXXX. A condominium here in New York. 

Mr. Cooper purchased my loan from XXXX XXXX Bank in XXXX and I have made the XXXX, XXXX, XXXX, XXXX and XXXX payments, ( mailed today ) on time, each month. 

Not XXXX payment is missing, not XXXX payment was late. 

And each month you continue to send me threatening letters, I have received XXXX letters from Mr. Cooper in the last 14 days claiming I am in default. I am not. 

Here is the payment detail that you will see attached above : XX/XX/2023 XXXX XXXX XXXX  XXXX XXXX CHECK XXXX SETTLED ON XX/XX/XXXX XX/XX/2023 XXXX XXXX XXXX  XXXX XXXX CHECK XXXX SETTLED ON XX/XX/XXXX XX/XX/2023 XXXX XXXX XXXX CHECK XXXX SETTLED ON XX/XX/2023 XX/XX/2023 XXXX XXXX XXXX CHECK XXXX SETTLED ON XX/XX/2023 I will one more time forward proof of payment attached above with this email. If you continue after this to slander, libel, and harass me I will pass this matter to my attorneys. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$620.00} XXXX XXXX {$6900.00} XXXX {$4700.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX {$1300.00} XXXX XXXX {$520.00} XXXX  {$0.00} XXXX  {$0.00} XXXX XXXX {$15000.00} XXXX XXXX {$14000.00} XXXX XXXX {$10000.00} XXXX XXXX  {$840.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: CITIBANK, N.A.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In aacordance with the Fair Credit Reporting Act XXXX XXXX.has violated my rights refernt to account # XXXX 15 USC 1681 Section 602 A States I have the right to privacity. 

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

See more detaills at letter attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I sent NAVY FEDERAL XXXX XXXX, XXXX a Security Registered mail for payment in the full amount of ( {$50000.00} ) NAVY FEDERAL XXXX XXXX, XXXX received the registered mail on XX/XX/2023 at XXXX XXXX. I instructed NAVY FEDERAL XXXX XXXX, XXXX to communicate only in writing. I have done 4 follow up calls since then to check on the status of the payment, after waiting 5 business days to make sure the registered mail was received the first person I spoke with was XXXX on XX/XX/2023 who confirmed that the registered mail was received & it was going through processing, I should get a update in 5 business days. Once the 5 business days past without receiving any response in writing from NAVY FEDERAL XXXX XXXX, XXXX I have done a second follow up call & spoke with XXXX on XX/XX/2023 he then confirmed that the payment was still going through processing, I also reminded XXXX to make sure all updates should be sent to me in writing. I checked my mailbox, email & etc but still haven't received any update on this matter. I called NAVY FEDERAL XXXX XXXX , XXXX & asked why haven't I received an update yet & they hung up on me mid sentence. Its been 12 business days and counting since NAVY FEDERAL XXXX XXXX, XXXX has been holding on to my securities without honoring or giving any updates in writing for their reason of non performance of fiduciary duty. I gave them full instructions in a letter in the registered mail notarized specifically if they do not honor my security to please send it back, I also reminded them of UCC 3-603 & UCC 3-604 & other codes, NAVY FEDERAL XXXX XXXX , XXXX is performing securities fraud by holding on to my securities & refusing to send it back to the lawful owner. 
Thank you Done in good faith.

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 2023-10-07
Company: Maximus Education, LLC dba Aidvantage
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Aidvantage is reversing my auto pay payments toward my loans stating my bank number is invalid but they have taken two prior payments with my bank and now I have missed my due date. I have been told this issue would be resolved and it has not. If this continues it will ultimately impact my payment history on my credit score as well as increase the interest due. The company needs to straighten this out as I am not the only one experiencing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have requested validation of this debt with National credit adjusters and they have not sent it over 90+ days ago. This debt continues to get sold by different collection agencies and re-recorded. I do not believe this debt to be mine and if validation is not furnished would like this to be investigated by the credit bureaus and Federal trade commission.

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 2023-11-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After several attempts to rectify the problem to avail, A credit reporting agency Equifax continues to allow fraudulent information to be attached to my credit profile. XXXX XXXX, a car finance company closed my account on XXXX. After an allocated amount of time, a negative item is to be removed. The amount of time a negative item has to remain on a consumers credit profile is contingent upon the date of the last payment pursuant to the guidelines of the FAIR CREDIT REPORTING ACT. EQUIFAX continues to report payments being made to XXXX XXXX account as recently as XX/XX/2023 from myself which is blatantly inaccurate. The inaccurate information gives EQUIFAX the unfair ability to keep the item on my report for a longer term than is legally allowed. This negligent practice of inaccurate reporting has had an adverse effect on my ability to receive and sustain the the promises guaranteed under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX has violated my rights.

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

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

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

Company response to consumer: In progress
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
To whomever it may concern, there is currently an erroneous Inquiry reporting on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX ). I did not give consent/ authorization for this creditor to have access to my credit profile and have not done business with this said creditor. This is inaccurate credit reporting and unauthorized.

Company response to consumer: In progress