BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Currently, under Texas state law, one must pay a {$10.00} fee to either freeze or lift a freeze on a credit file. 

Given the massive breach we have seen at XXXX, freezing a credit file seems to be a reasonable short-term solution to prevent fraudulent credit accounts being opened. However, this exercise would cost a person at least {$30.00} to do so in Texas. In addition, were one required to lift this freeze for a genuine reason such as a credit application or a employment screening, one would have to pay an additional {$10.00} to {$30.00} to do so ; followed by a freeze again ; which again costs money. 

As a taxpayer, I 'm outraged that I have to pay such arbitrary fees. In addition, the freeze process takes 5 business days while the lift freeze process takes 3 business days. 

In today 's technological age, there should be no reason why the credit reporting companies can not make the freeze/lift freeze option both instantaneous and free. The cost of the technical changes to be made will be minuscule compared to the revenue being earned by these companies. The fee is purely a money-grab and an abhorrent practice. As a consumer, I should have control over my credit information and the right to keep it private. 

I urge the CFPB to enforce a code requiring credit freeze/lift be made available for free and instantaneous. In the absence of CFPB being unable to enforce such a code, I urge it to recommend to Congress that such a law be passed at the federal level. The benefits of this to consumers will be enormous.

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 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
You have a link to TransUnion 's 'credit freeze ' page. They recently changed it to push people into their credit monitoring service and it 's now incredibily difficult to find the credit freeze link.

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 2022-06-13
Company: Experian Information Solutions 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:
I contacted the agency regarding the information and no actions were taken. 

In accordance with the Fair Credit Reporting Act 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 XXXXXXXX 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 2017-09-13
Company: GREAT LAKES
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I tried to contact XXXX in XX/XX/XXXX of this year and requested proof that the bill was due. I was a student there from winter XX/XX/XXXX until Spring XX/XX/XXXX when the semester ended. I was not made aware of any other classes needed to be taken and was even allowed to get my unofficial and official transcripts sent to three other colleges I attended since then. 

I was planning to attend a XXXX college this fall and to my surprise I could not get financial aid due to this issue. After speaking to the XXXX representative I was told a list of fees could be sent out to me yet I never received it. Then I reached out to Great Lakes where the loan was being collected and asked for a deferment form and it was not sent out either. So I contacted the Department of Education and asked for the signed promissory note. It came in the mail two weeks ago and while it had my name and a temporary address listed on the signature line my signature was not there only a host of letters and numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, 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:
Equifax 's security breach has created an undue burden on the entire adult American population, putting our financial and social lives at risk. In addition to allowing all of our sensitive information to be leaked, AND keeping this leak a secret for three months, they have placed the onus of responsibility on the American people to pick up the pieces. The fact that they and the other credit bureaus stand to make a profit off of this national crisis is unconscionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 account name 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 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 2022-01-13
Company: Experian Information Solutions Inc.
State: OH
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:
XX/XX/2017 Dollar amount {$6700.00} Ive disputed this with XXXX Now by certified mail notarized letter no response also letters was forwarded to all XXXX credit bureaus Experian, 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 explanation
Consumer complaint received 2022-06-13
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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with 3 accounts and inquiries I did not authorize

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 2022-06-13
Company: EQUIFAX, 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  the following accounts violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
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  the following accounts violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2019-10-15
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My Deed was transferred XX/XX/XXXX to Ocwen with no Escrow. In XX/XX/XXXX when my Property taxes come out Ocwen when and paid them. I never signed any kind of papers for them to do this. I have never had a home loan with and escrow account for the 35 years in have been in this home. And never missed a payment. My house payment triples by them doing this. It went from XXXX to XXXX. I kept paying my regular payment for 4 months and it was getting me no where. I stopped paying them. They refuse to do a loan modification. Sent papers they ask for and they would tell you they never received them. I has been a night mare since. They now want to foreclose on me for the 3rd time. I need this stopped. I has been a 4 year battle from XXXX. In beginning of XXXX my loan was transferred to PHH nothing changed. They are very good about taking your money and holding it. Than charge late fees. They add fees for sitting in front of your house to take pictures on a monthly bases. These people can not be trusted they just want your house. They will not do any loan modifications. Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: NCC Business Services, Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to dispute alleged debt with NCC for over a month now via postal mail. They have not responded to any attempt is getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Getting declined for an XXXX XXXX by XXXX XXXX XXXX XXXX for reasons that even any of the credit bureaus ' can not figure out and help me with it. There is a file of a copy of the letter attached to this FTC 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 2017-09-13
Company: Second Round Limited Partnership, Austin, TX Branch
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: Old information reappears or never goes away

Complaint:
I provided information to XXXX and the creditor Second Round in XXXX andXX/XX/XXXX which proved that the Second Round ( {$3400.00} ) account was being reported incorrectly and was too old to be on my file. The date reported is incorrect and this creditor has already been deleted from XXXX and XXXX because of this reason. XXXX indicates in the status field of my report that " This account is scheduled to continue on record until XX/XX/XXXX'', however it remains on my credit report. I am unable to speak with anyone on the phone about this matter and because this item has been disputed on several occasions, I am not permitted to contact XXXX online about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I first tried to consolidate through XXXX Loans. Somehow I got involved with Navient. I dont even remember switching to them!! They call and we set up payment to be taken out and my balance never seem to decrease and I ca n't get a home loan with such negative score from student loan!! Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
During the beginning of Covid, I broke a lease with my former landlord, XXXX XXXX. 

I contacted them on XX/XX/XXXX and told them that I would be leaving the house on XX/XX/XXXX. 

When I asked them my next steps, they said I would be held to the lease agreement of XXXX months rent. This was approximately {$3600.00}. 

I asked them if I would break that into installments so I could take care of it as quickly as possible. 

They told me that when I left, they would take the amount owed and minus the deposit of {$2500.00} I put down as a deposit and bill me for the rest. 

I was never asked about my situation or if I was impacted by Covid, as I learned they had for others. 

I never heard from XXXX XXXX again. 

In XXXX of XXXX, I received a collection from a collection agency, XXXX, for the amount of {$5500.00}. I immediately asked for a verification of the debt. 

I received a response on XX/XX/XXXX and notice that XXXXXXXX XXXX attempted to charge me for XXXX more months rent, my breaking of the lease charge, and erroneous other charges. 

I sent back within 15 days a rebuttal to the XXXX and XXXX rent being charged since I notified them that I was leaving in XXXX. I also sent detailed responses to the erroneous charges that were on the invoice and the inconsistency in the totals throughout the invoice. When I reviewed their invoice the amount should have been less than {$1200.00}. 

I did not receive a reply. On XX/XX/XXXX, after seeing the information added to my credit report, I sent XXXX a certified letter telling them that I never received a response and that was in violation of the FCRA, specifically, 623 - 15 U.S.C. 1681s-2. I asked them to remove this from my credit report.

When they have called, I have specifically asked for them to provide me their findings to my rebuttal in writing, but still have never received anything. 

This is impacting my financial well-being and I should be protected from having these erroneous charges on my 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 2022-08-05
Company: Experian Information Solutions Inc.
State: MD
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 my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : TXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$6700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00}

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 2017-10-17
Company: Allied Collection Services, Inc. (Nevada)
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I found out that an account was placed in collection because I received a credit report notification. I did research online and finally found a number for the supposed collection agency. I explained to them that I was never notified of the account being placed in collection and I have never received any type of communication from them. I feel that the charges I was charged were not right. It took several phone calls and messages before they finally provided statements to me. I still do n't agree that the balance owed is accurate but I need this off of my report so I 'm willing to just pay the money owed. This company has been unfair and unresponsive. They continue us to tell me that they have n't violated the law because their system says a letter was sent to me. I would have responded had I ever received the letter. It 's not right.

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 2017-09-12
Company: ENOVA INTERNATIONAL, INC.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Unable to repay back loan because of the high interest that I didnt, understand

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
To Whom It May Concern : I have yet another problem I am submitting to you in reference to 5th and 3rd Bank. They are continuing to cause problems for me pertaining to my XXXX  XXXX XXXX XXXX XXXX. I have made my payments on time since last year of XXXX, with the most recent payment made and cleared on XX/XX/2022, please see attached screen shot of my XXXX XXXX  Account, transaction circled in Red showing the payment has been made.

However, I received an email today from 5th 3rd Bank stating my account needs immediate attention. I called the customer service number, such that the representative communicated a payment has not been made and that I owe XXXX $ She asked if I had made a payment. 

I replied, I made a payment and it cleared my XXXX Bank Account on XX/XX/XXXX. 

The rep communicated that the payment was applied to the principle and not to the car payment. Additionally, she asked me if I select principle. 

I replied with extreme stress, I do not know what you are talking about. I made my payments on time all the time doing the same steps as always in the portal making my car payments. 

I am very stressed and angry at the 5th 3rd banking operations as they seem to change constantly. Either log in operations change or now payment operations change. 

I can not by any means afford to make a XXXX payment. They need to apply my car payments to the car payments and NOT complicate matters by asking questions with respect to how a payment is applied. I do not understand, its a car payment, not rocket science, as it should be simple, such as the following steps : 1. ) Log into Account/Portal 2. ) Select Amount to be paid, which I always select XXXX 3. ) Select Payment type.

4. ) Apply payment and submit.

How hard is it to have 5th 3rd bank comply with making a simple auto payment. I never in my life experienced such problems with a bank institution before. 

They need to apply my Car Payments to the Car Payment, and, not cloud matters that are un related.

The rep offered no solution, expect to ask me to make additional payment, which is unacceptable.

5TH AND 3RD BANK IS TO DO THE FOLLOWING : 1. ) APPLY THE PAYMENT ALL PAYMENTS ALL FUTURE PAYMENT TO THE CAR PAYMENT AND NOTHING ELSE.

2. ) CORRECT AND UPDATE MY CREDIT REPORT 3. ) REMOVE ALL ADDITIONAL FEES.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am disputing this medical debt that is not mine with local company, Carter-Young. I have tried reaching out to them s few times to resolve this situation. The last attempt to clear this misunderstanding was via mail requesting proof to show proof that this medical bill is mine. They responded via mail with a single patient ledger and nothing more. This is not my debt and I would like it removed from all three credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: MN
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:
Equifax failed to properly secure my personally identifiable information, leading to a breach which exposed the information of myself and nearly half of all Americans. The public was not notified promptly, and Equifax executives used this opportunity to sell stock to protect themselves rather than the public whose information they abused. I did not receive any information directly on this and instead learned about it through news reports. Equifax is only offering one year of credit monitoring, which is completely inadequate since this breach will cause security issues forever for anyone whose information was leaked.

Company response to consumer: Closed with explanation