BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2022, I received several emails/notifications from several credit monitoring services notifying me of a recent change to my TransUnion credit report ; which indicated that my current and good standing auto loan with XXXX XXXX had been removed from my credit report ; which caused my credit score to decrease XXXX points, from a XXXX credit score to a XXXX credit score. This information is inaccurate ; as I still have an auto loan through XXXX XXXX. My auto loan with XXXX XXXX is current and in good standing ; as I have never missed a payment or been late on any of my auto loan payments that are due every other XXXX  ( bi-weekly ) ; as I even make my payments early, by paying every other XXXX ( bi-weekly ) instead of waiting until the scheduled Saturday. 

On XX/XX/2022, I contacted XXXX XXXX and spoke to XXXX at about XXXX XXXX, inquiring about the change to my TransUnion credit report ; as I did not receive a phone call or correspondence by mail or email from XXXX XXXX alerting me of this issue. During my phone call with XXXX, XXXX informed me that XXXX XXXX is aware of the issue, this was a mass issue, and it was not just isolated to my auto loan with XXXX XXXX. XXXX also stated, XXXX XXXX, the controller for XXXX XXXX, was aware of the issue and did not report this information to the credit reporting agencies. I have made at least XXXX phone calls to XXXX XXXX and voiced my concerns regarding this issue via the companies website on XX/XX/2022 at XXXX XXXX  requesting assistance with this issue but this is still unresolved. 

As of today, XX/XX/2022, a month later, my TransUnion credit report has not been updated indicating that I currently have an auto loan with XXXX that is current and in good standing ; as this information is still missing from my TransUnion credit report. While this information has been removed from my TransUnion credit report, my credit score with XXXX and XXXX has too been affected by decreasing at least XXXX points. 

Phone call dates : XX/XX/2022 at XXXX XXXX- Spoke to XXXX XX/XX/2022 at XXXX XXXX  - Spoke to XXXX, placed on hold, was on hold for XXXX minutes XX/XX/2022 at XXXX XXXX  - No Answer XX/XX/2022 at XXXX XXXX  - No Answer XX/XX/2022 at XXXX XXXX  - No Answer XX/XX/2022 at XXXX XXXX  - No Answer XX/XX/2022 at XXXX XXXX  - No Answer

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 2017-11-22
Company: Ocwen Financial Corporation
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
OCWEN MUST CONDUCT LOAN REVIEW WITH XXXX AND TO FIND OUT HOW TWO ACCOUNTS WITH THE SAME OCWEN LOAN ACCOUNTS NUMBERS ARE ON XXXX CREDIT PROFILES. 

DUPLICATED ACCOUNTS ARE MOST LIKELY THE BUREAUS ERRORS. A AUDIT MUST BE CONDUCTED UNDER THE PRIVACY DECLARATION ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient is committing the same offenses they committed against other student load borrowers against my niece and I. These are the same offenses for which they are currently being sued by CFPB ; failing to work with students having problems paying their loans, failing to apprise borrowers of available options, including income based payments ; and, steering students to forebearance as opposed to other options. 

Navient reported negative information to the credit bureaus stating that I was 60 days delinquent paying my student loan. They did this in an attempt to bully me into paying my nieces student loan, rather than work with my niece by temporarily reducing her monthly payments to an amount that she is currently able to afford. Ignoring my nieces repeated requests, Navient instead began harassing me and demanding that I begin making the payments. Although my niece was experiencing temporary financial issues, she was still willing to pay reduced payments to Navient until she was able to make her normal payments. Navient repeatedly refused my nieces request and demanded that I begin making the payments to the loan. In an attempt to get me to begin paying my nieces monthly payments, Navient was rude, disrespectful and resorted to bullying and threats of filing adverse information in my credit report. Navient also called my home daily and at unreasonable times of the day and night. In response to my demand that they not call my home anymore, they responded that they will continue calling me until I begin making payments on my loan. After I was not moved by their threats, on XX/XX/XXXX Navient retroactivity granted my niece a forbearance period from XX/XX/XXXX to XX/XX/XXXX, the period of time that my niece made reduced payments to her loan. Though, this retroactive forbearance does not remedy the problem of my nieces need to have her monthly payments amended to an affordable amount in the upcoming months. Navient still reported my alleged 60-day delinquency to the credit bureaus for that period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
XX/XX/XXXX USAA began a fraud investigation on XXXX Purchases dated XX/XX/XXXX {$170.00} & {$170.00} You can view them on XX/XX/XXXX Statement enclosed I HAVE NOT BEEN NOTIFIED OF ANY RESOLVE.What is the resolve? This is now XXXX! 
Why did USAA begin a fraud investigation on XX/XX/XXXX for these amounts you can view on my statement {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX? 
What was the resolve of each amount shown as a fraud investigation beginning? Please give accurate purchase dates and Merchant Names

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: Real Time Group, Inc.
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
The XXXX XXXX XXXX and Real Time Resolutions are involved in a debt collection activity focused on second mortgages. According to the DOJ and XXXX XXXX XXXX XXXX in 2014, XXXX XXXX XXXX is supposed to modify or forgive theses loans. Instead the XXXX XXXX XXXX who still owns these loans is using Real Time to collect on these loans by claiming Real Time is a sub-servicer, when in fact the XXXX XXXX XXXX sets all the pay-off demands regardless of the consumer 's ability to pay-off the XXXX mortgages. Most of these XXXX mortgages are HELOC loan with extremely high interest rates sold through XXXX just before the national mortgage meltdown. It appears the American homeowner is about to have a second chance to lose their homes through the faulty lending practices of the XXXX XXXX XXXX. Please investigate the activities of Real Time and the XXXX XXXX XXXX because they are taking advantage of homeowners all across America.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I start to sending certified letters thru the postal services about one year ago and requesting validation of a credit card that i had with XXXX XXXX but such unverifible imcomplete and inaccurate account I been requeting a sign contract if any and never received such validation from LVNV Founding c/o Resurgent Capital I am demanding to the collection agency to Delete such account that i dont owe and i dont recognized

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: Leading Edge Recovery Solutions, LLC
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I asked Leading Edge Recovery Services/XXXX XXXX to not call me during work hours at my work phone number as I can not use work hours or work equipment for anything non-work related during work hours. They have persisted with their calls to my place of employment. The person calling is named XXXX XXXX. They say they are calling about XXXX XXXX XXXX but are not XXXX XXXX XXXX themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
XXXX XXXX is reporting an acct as delinquent on my credit file, however this acct w/secured by a vehicle which I voluntarily surrendered. 

The acct w/secured by a XXXX XXXX XXXX. I contacted XXXX XXXX on XXXX XXXX via email and advised that the vehicle could be retrieved from XXXX XXXX which has a mechanic lien on vehicle. XXXX XXXX did not follow procedures in retrieving the vehicle and has also sent account to another outside collector. 

Per SC Lemon Law I am requesting that this debt is cancelled and removed from my credit file. 

Please ensure that this amount is updated/removed as it is negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
EXPERIAN FAILED TO UPDATE ACCOUNT AS PAYING IN SETTLEMENT AGREEMENT AND FAILED TO PROPERLY CHANGE ACCOUNT STTAUS ETC.. 
XXXX. XXXX LOAN NO.XXXX, CORRECT OR DELETE.ACCOUNT DISPUTED UNDER THE FAIR CREDIT BILLING ACT OF 2003 PLEASE UPDATE TO REFLCT NO STSTUS UNTIL FURTHER NOTICE. ( SEE ATTACHED INFO ).

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 2016-07-27
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
EXPERIAN IS REPORTING THIS ACCOUNT IN ERROR! THIS ACCOUNT MUST BE UPDATED TO REFLECT DISPUTE UNDER THE FAIR CREDIT 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 2020-01-16
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I bank with US bank. I get a direct deposit bi weekly. My money I was told is directly accessible once deposited. 
My deposit was sent on XX/XX/20 and received in the account on XX/XX/20. My deposit was for {$1100.00}. Plus I had like XXXX in the account as well. 
Saturday XX/XX/20 my wife and I went had a dinner drinks and went to the movies we spent about {$120.00}. Plus fast food for XXXX  bucks. 
Sunday XX/XX/20 I purchased these items Gas XXXX XXXX  for XXXX Firewood XXXX So Sunday goes into Monday XX/XX/20 and I went to work I ordered a energy drink from the vending machine XXXX bucks. Prescription medication {$21.00} Its tues XXXX XXXX XX/XX/20 My account balance is XXXX I XXXX my landlord XXXX at XXXX leaving me a balance of XXXX  bucks. Ashamed I ask family member to XXXX  me XXXX and they send it to me at XXXX. So my account should be XXXX. At XXXX that day I got a notification that I was at a balance of XXXX. Then another for -1. Then another for XXXX..all the notifications are at XXXX. So I look and my account is crazy overdrawn XXXX and my XXXX is still pending for XXXX and the XXXX XXXX XXXX went into my account and the transactions are all out of order and my account itself is totally different from what it looked like Tuesday XXXX XXXX  and also some transactions were not there yet but I got notifications that the transaction happened. I got 6 overdraft fees and my transactions were deducted all out of order my XXXX XXXX was done last. I called the bank I was told I was overdrawn on Sunday. Then I went to the bank and was made a fool of when I showed all the inconsistencies from their online banking to the notifications and balance alert notification. All failed. They gave me a paper to explain it all..and it didnt. 
On Sunday I went from XXXX to XXXX with out explanation. Some more transactions are done dropping it more with 4 overdraft fees then on XX/XX/XXXX..My account is at XXXX overdraft fees are deducted plus another two more are added on top of those. At the the end Im XXXX ..I need some help please and they have done this multiple times. Im not rich and have a family to support. Thank you in advance.

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 monetary relief
Consumer complaint received 2022-06-20
Company: Experian Information Solutions Inc.
State: NJ
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
On XX/XX/XXXX at approximately XXXX-XXXX, I made an online payment to Capital One Bank ( see attached ) in the amount of {$38.00}. At the time, I was unaware that payments made after XXXX on the due date were considered late and posted the next day. Currently, I have a 30-day late on my credit reports ( XXXX ) and also been denied a credit line increase with Capital One due to my " late payment history ''. I have had XXXX credit card accounts with Capital One for over a year and never paid late or after XXXX on the due date. I am now being penalized for a practice which is against the law. According to the Credit Card Accountability Responsibility and Disclosure Act of XX/XX/XXXX or Credit CARD Act of XX/XX/XXXX, the practice of posting credit card payments ( made after XX/XX/XXXX on the due date ), the next day and counting it against the cardholder as a late payment is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My information was stolen in XX/XX/2016 i contacted capital one as well as my bank and filed a report as well as the police department. I got a final decision from my bank saying the report i filed was correct in my favor capital then closed my account and said it was incorrect which led to me owning them money and it screwing up my credit score i offered to send in the document saying it was in my favor they denied me to submit any documents this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX Ss # XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that I find to be problematic. 
The inquiry in question was apparently made by XXXX XXXX XXXX XXXX XXXX, UT XXXX I contacted XXXX XXXX XXXX XXXX XXXX, XXXX and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,

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 2017-11-22
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I AM ASKING XXXX XXXX XXXX, XXXX AND XXXX XXXX TO CONDUCT ACCOUNT REVIEWS FROM XXXX ONLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I keep getting theses Low APR Balance Transfer promotions at 0 % ( especially with my own Bank of America ). The fine print reads they will charge a 4 % transaction fee for balance transfers. To me the 4 % should be included in the APR. Here 's a copy of what I saw : Low APR Balance Transfer 0.00 % promotional APR until XX/XX/XXXXon balance transfers completed byXX/XX/XXXXAfter that, 10.49 % a variable APR based on the U.S. Prime Rate The transaction fee for balance transfers is 4 % ( Min. {$10.00} )

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 explanation
Consumer complaint received 2020-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hi, my names is XXXX XXXX XXXX. On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2017-03-08
Company: Southern Oregon Credit Service, Inc.
State: OR
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently got divorced from XXXX XXXX XXXX XXXX after 19 years of marriage.. I have documentation stating he was supposed to take all his debt and I was to take mine which was minimal and mostly doctors bills. Please look over all accounts and verify I am not paying any of his debt. As I walked away with the clothes on my back and nothing else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: CA
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:
Hi, my names is XXXX XXXX XXXX. On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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