BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-06
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:
Dear CFPB, To whom can help me. TransUnion is continuing to violate my rights and continues to violate FCRA Laws put in place to protect citizens of the United States of America. TransUnion continues to report a fraudulent address on my credit profile for many months after disputing it. TransUnion has re-inserted 2 fraudulent accounts back into my report without a 5-DAY FORECAST, a forecast that protects the  consumers and gives them a chance to contest the reinsertion of a deleted account. No furnisher, creditor, debt collector or credit bureau is legally allowed to reinsert it, or disguise it and re-report it, without notifying the consumer and giving he/she the opportunity to contest it. TransUnion has violated this law and thus has violated my rights. Please delete the fraudulent accounts and address listed below : ( 1. XXXX XXXX XXXX XXXX : Credit Card -- > deleted -- > Reinserted without notice -- -- -- -- -- - XXXX -- -- -- -- -- -Closed - {$0.00} -- -- -- -- -deleted -> reinserted under false procedures ) ( 2.  XXXX XXXX : Credit Card -- > deleted -- > Reinserted without notice -- -- -- -- -- -- -- -- -- -- XXXX -- -- -- -- -- -- -- -Closed - {$0.00} Deleted -> reinserted under false procedures ) ( 3. Inaccurate address -- -- -- -- -- XXXX XXXX XXXX, XXXX, MI XXXX -- -- - ) This is the 4th and final attempt, I can not allow TransUnion to continue decimating my credit profile and humiliating me by denying me the right to transportation and housing. This will be my intention to suit TransUnion for poorly procedures and violating my rights and the FCRA Laws. Thank You in advance for your help, effort, and time.

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 2017-03-16
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Navient XXXX Student Loan. 
Name : XXXX XXXX, XXXX, CA XXXX email : XXXX Phone : XXXX Synopsis : my student loan originated through XXXX as recommended by my college and I received a XXXX student loan for XXXX amounts : DATE : XX/XX/XXXX {$41000.00} DATE : XX/XX/XXXX {$8200.00} TOTAL LOAN {$49000.00} I was enrolled at The XXXX in La Jolla, CA which offers a XXXX in design with a 4 year program. As I was also working at the time, it took me several years to graduate. I was at the time living at my address above. 
During the period of XX/XX/XXXX through the present I married in XX/XX/XXXX, had a child in XX/XX/XXXX. During the period from XX/XX/XXXX to the present my husband took hundreds of dollars and maxed out my credit cards, in addition to re-financing my house without my knowledge. The child and I suffered much abuse and confinement from my spouse and I was secretly moved to a safe house in XX/XX/XXXX where I lived for many months. In the meantime I filed for divorce in XX/XX/XXXX and custody of my child as we had been confined to the house without hot water or gas to cook and wash, as well as other conditions. 
In the mean time I was attending school and working with my parents taking my son until late XX/XX/XXXX when they moved to XXXX. 
I have been continually harrassed by Navient throughout the period following my graduation and until the present. I have been threatened almost daily this year with Default and was forced into Forbearance in XX/XX/XXXX. I had been making loan payments whenever I could. In XX/XX/XXXX-XX/XX/XXXX I filed for bankruptsy as my former spouse had used my savings and salary for his own disposal, including gambling in the stock market and losing hundreds of XXXX dollars. 
As of Today, XX/XX/XXXX I am employed and Also have a 24 month old daughter. I am XXXX of XXXX and still suffering to make ends meet. 
The Navient Harrassement which is constant has now threatened me with Wage Garnishment of 25 % beginning on XX/XX/XXXX unless I pay nearly {$10000.00}. by that date. I do not have any financial resources to accomplish this payment and fear the worst. 
My current loan balance with interest is to date at {$79000.00}. 
I am writing to ask if I have any recource with the current lawsuit filed by the CPFB against NAVIENT. 
Kind regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: MD
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 XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX 15 U.S.C 1681 Section 602a states that I have the right to privacy.

15 U.S.C 1681 Section 604a section 2 also states that 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 2022-05-04
Company: EQUIFAX, INC.
State: MD
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 XXXX # XXXX, XXXX XXXX # XXXX XXXX U.S.C 1681 Section 602a states that I have the right to privacy.

15 U.S.C 1681 Section 604a section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Since XX/XX/XXXX after filing for Chapter XXXX Bankruptcy after my business failed in XXXX XXXX XXXX was providing XXXX, I have attempted to refinance, or aplly for a better mortgage rate from Chase Home finance on my primary address. They have refused stating that I can afford to pay my mortgage based on my gross income disregarding the fact that my present mortgage interest rate is 8.83 %. They have refused me over and over again because they say my credit report has red flag, and my gross income does not qualify me for an adjusted mortgage. The only solution they have offered is skipping a month of mortgage payments which is ridiculous because my income they are using is not based on my occupation but on my tax returns which are filed jointly with my wife who is not on the mortgage nor does she contribute to it. The most recent denial occurred on XX/XX/XXXX. I 'm requesting that Chase immediately lower my mortgage rate and should reimburse me {$30000.00} for financial damages since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have raised a dispute with Experian for the late payment reported from XXXX XXXX XXXX XXXX is not correct. they are showing some federal reserve has stop payment in my checking account so the card payment was not successful. I contacted my bank XXXX and there is no stop payment. I reviewed the stop payment document federal reserve and the company name is showing XXXX instead of XXXX. this is different company name they are trying to use my checking account. NWFCU credit card is not showing any proof of the stop payment on their company name. I asked them this is different company why its not in your company name and they are not responding, for last 8 months I have very difficult time and they have reported late payment 60 days. the credit bureau I do n't know whether they have the skills to review what company shows is correct they agree on this. this is useless credit bureau and its not all favor to customer. they are supporting only company. They have obsoletely XXXX knowledge or they purposely doing fraud. i request consumefinance.org to take strong action and penalty on them

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 2017-05-22
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received this threatening voicemail Saturday XX/XX/2017 at XXXX from XXXX XXXX who did not state his first name, representing Commenity Bank . I did not delete the voicemail and I also went on to save it as a voice memo to have on file that this is definitely a threat. I have consulted my colleagues who are Attorney 's in addition to a representative of the FTC who did state that Yes! That it is a threat and that that is against the law. I would like this matter resolved by Commenity Bank removing whatever information they have in my name, to never contact me again, and for them to provide validation, competent evidence bearing my signature that I have ( or ever had ) some contractual obligation to them. The threatening message went on to state : Good afternoon, This message is for XXXX XXXX XXXX. XXXX my name is XXXX XXXX calling with Commenity Bank and right now I do need you or your representing attorney to return my call immediately. This is regarding your XXXX sir. It is imperative that you or your attorney contact my office today to go over the options and the programs available to help you get this taken care of and to stop further escalation. I can be reached at XXXX ext. XXXX. XXXX XXXX please be advised that I 've documented this call as proof that you 've been notified of this critical matter yet again, so without your prompt response sir I may be forced to make a decision that will impact you directly. Again my name is XXXX XXXX, I could be reached at XXXX ext. XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-21
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed an Old Debt that is being reported as a new debt by XXXX XXXX. This debt when into collection in XXXX. XXXX keeps changing the date on this debt and re-aging it to appear new. Last year they claim this collection was opened in XXXX. This year it shows as opened in XXXX. Every-time they re-report this debt as new, it knocks my credit score XXXX points. XXXX is a third-party debt collector, they are not the original owners of this debt. They are not the collection agency. I have disputed this with the credit bureau and they refuse to investigate or change the information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have tried NUMEROUS TIMES to get my PAYMENT HISTORY corrected with They continue to go in and make changes that make matters WORST! They are NOT being legal, honest or FAIR! 

I am asking that you hold them accountable and make them take those late payments OFF! I have NOT been late on my payments and their continual ERRORS and MISREPORTING make me further confirm that THIS INFORMATION IS NOT CORRECT! 

I WANT THESE PAYMENTS DELETED FROM MY ACCOUNT. I WANT THE ENTIRE ACCOUNTS DELETED AS THEY ARE NOT REPORTING CORRECTLY BY LAW AND THEY DO NOT REFLECT ME AND MY CREDIT HISTORY. 


I HAVE ATTACHED DOCUMENTATION THAT SUPPORTS THE ERRORS THAT ARE BEING MADE ON MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: TMX Finance LLC
State: MO
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took this note out XXXX 2013 in the amount of {$1300.00} to help my son out. As of today I have paid in {$6800.00} with a balance of {$770.00} remaining. I was told this was a two year note and as you can see it has been 29 months. I was also told that my due date had been changed to the XXXX of each month only to find out yesterday that it was not moved but I have been receiving late fees each day I am past the XXXX of the month. I have requested a copy of my contract from TitleMax and hope to have by the end of this week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: NY
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:
XXXX reverse late payment fee for late payment of XX/XX/2021, I explain to XXXX  this is an app issue and my bank account was disconnected and thats the reason for the late payment.. according to 15 USC 1681 602A states I have the right to privacy 15 USC 1681 section 604A it also states a consumer reporting agency can not Furnish account without my written instructions 15 USC 1666A a creditor may not treat a payment on accounts under an open end consumer credit plan as late for any purpose. Attach is the email stating they reverse my late payment fee as well also on XXXX its being reported as XX/XX/2021 Equifax its being reported XX/XX/2021 this information is all inaccurate this is a Violation of my federally protected consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
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: Information belongs to someone else

Complaint:
Since I have not attended college since 1995 both XXXX  XXXX   XXXX  and Experian are all violating the fcra by attempting to collect a debt unenforceable and out of range by 14 years. I received a scam call in order to consolidate all my student loans which unfortunately more than 24 years ago at compounded and since I had interest in going back to school I thought it worthy to take a look at how everwood XXXX contacted me they assured me that they would then consolidate all of my alone so I could go to school and that was not the case. One of them to this day still refuses to consolidate with XXXX  and I am hornswoggled and beaten by the credit reporting agencies and a very very very powerful Bank who doesn't seem to get the message from the last lawsuit you filed against them. XXXX has swindled me it is fraud and therefore should not be reported to any of my credit bureaus on several reasons to recap. One that is more than 24 years since this loan according to their own dates was supposedly taken. to that the exact nature of XXXX approaching me for the consolidation was absolutely fraudulent from beginning to end and it looks as if they're doing it the thousands of people. Whatever the case the three credit reporting agencies should not report that information until the matter is resolved. There is no if ands or buts that's why it's called the law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I have recently had my credit pulled by a Mortgage Broker and there are numerous collections that do not belong to me and I have never had any of the collections of these sorts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: LA
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:
Certified dispute letters was sent to all 3 credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I started a dispute through XXXX XXXX for Capital One falsely reporting my account as being 30 days late. 

That was inaccurate. I made a payment on XX/XX/XXXX that was returned I forgot to update the account information. I made the payment again on XX/XX/XXXX. The payment was only 10 days late. Not 30. I called Capital one initially on the XXXX or XXXX and spoke to a representative who said yes, it was in fact in error and I just needed to dispute it and it would be corrected. 

I disputed it through XXXX XXXX and the results came back as being accurate. I have the payment log on my transactions and can see the dates, thats inaccurate. When I called Capital One today, XX/XX/XXXX at XXXX the representative told me that I need to write a letter to dispute the inaccuracies of the reporting. This is not only time consuming but it has dropped my score dramatically. I should not have to go above and beyond to fix something that was falsely reported to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Account XXXX has violated my rights. 

In Accordance with The Fair Credit Reporting Act : XXXXXXXX XXXXs XXXX. Account XXXX has violated my rights. 

15 USC 1681 section 602A States I have the right to privacy. 

15 USC 1681 section 604A section 2 It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2020-04-06
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
THE XXXX XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2021-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have requested all security freezes and alerts be removed. I have sent in numerous requests for these to be removed to no avail.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: Santander Consumer USA Holdings Inc.
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
Santander has provided me with false information through out the life of this loan. I have verbally requested that Santander put the money paid towards the principal a total of 45 payments of XXXX. I am not knowledgeable to finance and feel take advantage of at this point. The cash price of the vehicle were XXXX. I was financed XXXX. 
Today I communicated with a Santander representative via chat and she refused me and I had to keep asking when finally she informed me since the account was now delinquent that the payment would not and could not be credited towards the principal which is what I wanted all along. After she would not cooperate with me I called back and spoke with a representative that stated she would put in the request to put the payment of XXXX towards my principal as I paid XXXX today online. 

Santander has told me things like I has to make 3 payments to have payments applied to principle well I am well over three payments. the interest rate that I did not notice is XXXX percent .... I am a woman and not savvy, although some might me with such things

Company response to consumer: Closed with explanation