BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2023-04-19
Company: Experian Information Solutions Inc.
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents 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 explanation
Consumer complaint received 2023-04-19
Company: SERVICEMAC, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I got affected by XXXX and seek forbearance, however, they're asking for lot of documents, I thought they aren't supposed to ask for any documents. They're not helping me at all to deal with the tough situation.

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 2023-06-28
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent XXXX a dispute letter on XX/XX/2022 demanding they delete the inaccurate accounts on my credit report. XXXX violated my rights as a consumer and published my personal information without my consent, I never gave XXXX permissible purpose. I never wrote to XXXX telling them they can publish my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section XXXX which requires all reporting to be 100 % accurate. 

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

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 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I prepaid a lease over seven years ago but the company is still reporting the prepaid information. 
A company is only supposed to report information for 7 years. This company is still reporting this information after 7 years which is a crime according to the FCRA.

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 2023-07-09
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
account # is XXXXXXXX XXXX XXXX XXXX for XXXX open date is XX/XX/2022 i contact the company about this debt and the social security number is do not belongs to me and there are saying debt verify by who because that was not me.

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 2023-04-19
Company: Experian Information Solutions Inc.
State: OH
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 have been reporting an invalid account on my Experian credit report since XXXX. An XXXX XXXX XXXX XXXX has been reporting {$2400.00} debt on my credit report since XX/XX/XXXX. Experian has not removed the account I have no knowledge of. Experian hasnt provided me with no proof or evidence this account is even mine. Each time I dispute it, within a week or 2 it comes back as updated and continues to be on my report. I am so close to finally buying my first home and this account XXXX XXXX XXXX XXXX on my credit report is the only thing holding me back. An account I have no record nor knowledge of. Experian did not and has not done their part in following FCRA. Experian has now made it to where I cant dispute the XXXX XXXX XXXX XXXX and rejects my dispute. On XX/XX/XXXX Experian let me dispute the account again. Litterally opened the dispute today and closed it in the same day! How is that fair or following FCRA rules. I have sent letters, I have disputed it digitally. I just want this to end.

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 2023-07-29
Company: WELLS FARGO & COMPANY
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
Wells Fargo has been providing misleading advertisements about scholarships through their CollegeSteps program. Wells Fargo also has a scholarship program. Wells Fargo has not made students aware of scholarship displacement, a practice that postsecondary institutions use to force students who have received outside scholarships into additional student loan debt or make them drop out of college. Wells Fargo has known about the practice for years and continues to mislead students knowing that the students will become victims of scholarship displacement. Wells Fargo is using their CollegeSteps program as a way to force students to get their loans once they become victims of scholarship displacement. Wells Fargo must be investigated for their misleading and predatory advertisements and practices.

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 2023-07-26
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After discovering the status of this collection for {$18000.00} again with regional acceptance recovery team. The company pulled the date back from the collection agency in XXXX per the collection agency. I was not notified to give me no update. The company is still trying to collect on a charge off and has failed to steal update and report illegal voluntarily repo car on the interest-bearing loan to collect and keep me in debt, causing hardships to my life as a XXXX person. I have made numerous attempts to contact the Recovery Dept only getting voicemails and the runaround about the status of this collection. I have felt with the CFPB3 times to ask this company be investigated for the result of this death in collection written off that needs to be investigated. The company keeps sending a letter heads trying to show accuracy of a collection. They are refusing to communicate on and accurately update with volunteer information on the status in timeline of how this collection was handled. I am asking again to CFPB thoroughly investigate all employees and departments regarding this collection from XXXX to XXXX. I attempted to reach out to the corporate office in CEO no response I have continue to call all collection agency to have documented. No evidence of the collection in the office anymore. I have continuously call regional acceptance, Recovery Dept Ill need to get thrown around on the status of this I have also notified FDICN, the chief financial legislation, and now the state Attorney General office to have this matter reviewed.

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 2022-10-04
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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. 
XXXX XXXX  or leases Total balance : {$22000.00} XXXX XXXX XXXX  LATE PAYMENT Balance {$22000.00} Balance updated XX/XX/XXXX XXXX closed account XXXX loans Total balance : {$30000.00} XXXX XXXX XXXX Balance {$30000.00} Balance updated XX/XX/XXXX XXXX closed accounts Personal loans Total balance : {$690.00} 2 closed accounts 1collection Total balance : {$250.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX 
Balance {$250.00} Balance updated XX/XX/XXXX Collections can stay on your credit report for up to 7 years from the delinquency date, but they typically affect your FICO Score less over time. 
8inquiries These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/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 2022-11-26
Company: EQUIFAX, INC.
State: VA
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 XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: MiraMed Revenue Group LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been hospitalized 5 times this year. I just got out of the hospital and trying to recover. I have no what provider is trying to collect on this debt, where I supposedly received treatment or who provided said treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Going back to XX/XX/22 Aspire Servicing Center negatively reported default on my credit report stating that I was not making payments on student loans during the Presidential Freeze on student loans. They refuse to remove the default report even though there was a Presidential freeze.

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 2023-07-24
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We made our regular loan payment for XX/XX/XXXX and then our XX/XX/XXXX payment was sent out XX/XX/XXXX ( a few days early ). Because it was received early, Shell Point counted it as a second XXXX payment rather than as a XXXX payment and we were considered to be in default for XX/XX/XXXX. We have never sent a late payment in our long history with Shell point ( 15 years ). We called & resolved this over the phone in XXXX of XXXX. As far as we knew, we were all set, and the issue was resolved. Now we are locking in a mortgage on a new home, and when we ran our credit report, we are seeing that Shellpoint reported this XX/XX/XXXX event, and our credit has suffered. Shellpoint reported this event as deliquent 10 months later to the credit bureau. My spouse called them XX/XX/XXXX & the woman on the phone said they would get us the Shellpoint Escalation Request/Specialty Letter for our loan agent so we could lock a lower rate on our new mortgage within 30 days. He called again to check on status on XX/XX/XXXX, same answer- " we will get it to you via email within the 30 days of XX/XX/XXXX ''. I called again to check on XX/XX/XXXX, as we never received the letter. Again Friday, XX/XX/XXXX. We needed this letter from Shellpoint stating that our payment was in fact on time and that THEY made a mistake reporting us to credit agencies. Our mortgage for our new home has to lock the interest rate in by today. Without this letter from them we are going to pay a higher interest rate for 30 years on this new loan because of our negatively affected credit. They said the letter takes up to 30 days and there is nothing they can do about it. We await the letter which was supposed to be emailed to us. It never came. When I called for an update, a supervisor named XXXX XXXX told me I needed to send the credit report, and proof that we paid early. I did immediately. He told me he would expedite the letter & get our credit cleared in time. I did exactly what they wanted, emailed asking them to reply that they received what they needed to move ahead, and no reply. I called, no one is ever at their desk. no supervisor can help. Nothing anyone can do M'aam. Over and over. I've done nothing wrong, did everything they asked, and still will end up paying handsomely for their negligence. I was surprised to see they are accredited via XXXX with an A+.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
I sent letters over a month ago and have not received any responses

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 2022-10-04
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX I OVER-PAID my Old Navy Credit Card account my {$58.00}. I contacted the company asking to receive a refund for the overpayment. They helped me and mailed me XXXX separate checks of {$29.00} each that I received in the next few weeks. 

So in XXXX my balance was XXXX dollars. Then the company refunded me {$58.00}. 

The next time I checked my account balance it stated that I OWED {$58.00}. 

I contacted the company immediately to point out the issue. I explained the situation and they immediately acknowledged that it was a mistake on their part. They assured me it would be resolved and my balance would be cleared to zero as it should be. They told me it would take a billing cycle to resolve. 

When I checked back in XXXX to confirm my balance was at XXXX, not only was it NOT at XXXX, they had charged me a LATE FEE. So now, they were saying I owed {$89.00}. I've contacted the company over XXXX times since then, waiting on hold each time. I've asked to speak to a supervisor numerous times and no one can ever put in me in touch with XXXX. 

Again I reached out in early XXXX. I finally got in touch with a supervisor who assured me this issue would be handled. And that again, I would have to wait to see the resolution on my account for a few weeks. 

It is now XX/XX/XXXX, my bill is due TOMORROW and I have again been charged fees and now owe a total of {$140.00}, ALL DUE TO A MISTAKE ON THEIR PART. I spent XXXX minutes on the phone today trying to resolve the issue again. 

Quite frankly, this is unexceptable and I want this issue resolved. I spoke with a woman named XXXX # XXXX who assured me that I supervisor would call me back, because after XXXX minutes no one was responding to her. 

The company recently switched over to Barclays for their credit card and since then, it has been an absolute nightmare. I feel horrible for the decent people who are just trying to do their job, but no one seems to have the authority to resolve this issue. And those who have said they are supervisors have not resolved this issue like they assured me they would. 

Now I am concerned that because of the late fees, this will be reported negatively on my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Dear Equifax, I am writing to request the removal of two missed payments from my credit report as per the rules of construction under 15 US Code 1681A Title Definitions.

I missed two payments on my [ XXXX Credit Card ]. As per the terms of the agreement, this missed payment was reported to the credit bureaus, affecting my credit score and making it difficult for me to obtain credit in the future. 

However, I would like to draw your attention to the rules of construction under 15 US Code 1681A Title Definitions, which state that any information reported to the credit bureaus must be accurate, relevant, and substantiated. In the case of the missed payments.I believe that it does not meet these criteria, and as such, should be removed from my credit report. 

I would appreciate your prompt attention to this matter and your confirmation that the missed payment has been removed from my credit report. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation