BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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, 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 explanation
Consumer complaint received 2022-06-07
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: Old information reappears or never goes away

Complaint:
XXXX XXXX is reporting still on an account from more than 7 years ago. I need this account removed from my credit report it is negatively effecting my score. I was told this account would come off my report after paying settlement amount which I paid.

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 2022-06-29
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received the attached check, # XXXX, dated XX/XX/2022, for vendor name XXXX XXXX, vendor num XXXX, amount of {$26.00}, with check stub date XXXX, for invoice/credit memo XX/XX/2022, description of XXXX  # XXXX. I request all documentation to substantiate the issuance of this check, copy attached, for so-called invoice from XX/XX/2022 for vendor name XXXX XXXX , vendor num XXXX XXXX

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 2022-06-07
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX is reporting still on an account from more than 7 years ago. I need this account removed from my credit report it is negatively effecting my score. I was told this account would come off my report after paying settlement amount which I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: EdFinancial Services
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My loan service EdFinancial are terrible when it comes to requesting a refund for student loans payments made during the pandemic forbearance. Every individual that made student loan payments during the pandemic has a right to ask for a refund and should get it. I asked for a refund about a month and a half ago and their processing time is 6 months thats ridiculously long while most loan services have a turn around time of 30 days. I feel like EdFinancial are lying and dont want people to get their refunds back. It shouldnt take that long. This is just ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX, {$270.00}, XXXX XXXX  XXXX XXXX  Representative stated to me that they will remove this fraudulent account because of false information.I have no Knowledge of this fraudulent account.

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 2022-09-21
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 Sections 602 A States I have 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 instruction 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 items 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 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 non-monetary relief
Consumer complaint received 2022-06-07
Company: Strategic Alliances, Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021, I went to XXXX XXXX XXXX XXXX, XXXX XXXX and got a rental vehicle from XXXX XXXX moving Department of Defense equipment . I got a rental XXXX from the air port at XXXX EST. I returned the rental XXXX to an XXXX in XXXX PA. The cost of the rental was XXXX. Before my trip to XXXX I requested a rental through enterprise prior to my arrival. When I got to the XXXX  at XXXX they tried to give me a car, but I told the personnel there that I requested a XXXX prior to my arrival. The customer agent at that time gave me the XXXX. XXXX alleges that I never picked up a car that I reserved. I did pick up a XXXX, however, I believe the personnel at XXXX failed to pull up my reservation. They have sent a charge for {$640.00} to collection. XXXX bank did an investigation for this charge and said that they will not pay for the charge because it is duplicate and XXXX has failed to ensure they gave me the right rental when XXXX cam to pick up a rental vehicle. I have all receipts, communications with XXXX bank, and my Defense Travel System orders to prove that I picked up a rental, paid for a rental, and returned a rental vehicle. I also have XXXX rebuttal saying that there was no duplicate charge. XXXX  gross negligence to research this issue and resolve is borderline harassment at this point due to the use of a collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
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, Dept of Education/ 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 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 2022-03-29
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Columbia Debt Recovery posted a collection of {$340.00} to my credit report in XX/XX/2022, resulting in a XXXX point drop immediately. I have never heard of CDR, or the company they are claiming to collect on behalf of. They have provided zero notification for this debt ( or any instructions on how to pay it ), and have refused to take or return my calls to remediate since posting the delinquency. I was unable to provide an account number from the billing statement for this complaint even because I NEVER RECEIVED A BILLING STATEMENT. 

Filed a dispute with XXXX, who has been equally unhelpful. They provided an uninformative statement saying the account was verified ( with no elaboration on what that means or how they verified ), has been unreachable over phone, and told me I could file a complaint with the CFPB. So here I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: Penn Credit Corporation
State: PA
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 filed 3 complaints now over this issue. Latest response for penn credit was that they found it to be true and mail results to me. Issue is this is not mine, dont belong to me and is for an address that is not mine. They are sending the verification and surely personal info about me to someone else at the address they have in there file. Mailing results is just an easy way for them to blow off the fact that their investors has prodyfausle finding. Im sure all that was verifywas that they had my call Social Security number. Well thats how ID theft works some one takes your info. 

I have attached their blanket response to the previous complaint number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 received a copy of my credit report and noticed a few accounts that are 100 percent not accurate. I was unaware of the consumer Burea and other companies reporting fraudulent accounts on my report. I did not authorize or give written consent by law. FCRA states that I can challenge this by law. 15 USC sec 1681i ( a ) They have not provided any proof to me. this is fraud. I have requested 100 proof with my wet ink signature and they did not provide or respond to the allegations that they have in my file.

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 2022-09-21
Company: EQUIFAX, 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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Bepensa Capital, Inc.
State: IN
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:
my account was was on deferment for the months XXXX and XXXX per agreement with XXXX XXXX. and my account was made current. My next car payment was to start on XX/XX/XXXX. Since then I have not been late on my account. 
I recently checked my credit report and seen there was a 30 day late payment added to my report. please thoroughly investigate this matter and update my credit report with all 3 XXXX and remove the late payment immediately. or send account ledgers to prove there was a late payment made on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: Experian Information Solutions Inc.
State: MS
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 did not consent to authorize nor benefit from these accounts.

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 2022-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I initiated two XXXX transfers from my Bank of America checking account to XXXX XXXX in XXXX NC and his wife XXXX at their respective accounts at XXXX  ( {$1500.00} ) and XXXX XXXX ( {$500.00} ) XXXX  for purchase of a personal item. 

After making the payment and while negotiating details of the shipment the following day XX/XX/XXXX, XXXX XXXX repeated denied receipt of my transfers and could not provide a valid document for the shipping service. Then I realized the risk of my getting scammed, hence would like to get a refund of total {$2000.00} which have already been deducted from my account balance.

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 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
To Whom It May Concern : Please accept this letter and the accompanying documents as my registered complaint regarding the Mortgage FICO Score XXXX  calculation and scoring methods used by TransUnion XXXX XXXX XXXX XXXX and their detrimental impact on the consumer. 
A cursory review of the included information will establish the following facts ; A ) My TransUnion ( TU ) Mortgage FICO score on XX/XX/2020 was XXXX, my TU Mortgage FICO score on XX/XX/2020 was XXXX and my credit profile only improved between the two TU Mortgage scorings. 
B ) Our new refinance loan costs have increased substantially since my lowered TU Mortgage FICO score dropped us in a lower pricing tier. We are now paying a portion of a point and our Private Mortgage Insurance ( PMI ) rates are higher. 
C ) The reduction of my TU Mortgage FICO score runs counter to the TU & Fair Isaac ( FICO ) consumer facing published Credit Score guidelines. 
D ) I did file a TU Investigation Report on XX/XX/2020, of which a copy is included herein, however their online system states a decision will be made by XX/XX/2020 and the results mailed. I have tried numerous times to call the TU Customer Service line but I remain in an endless queue.

E ) The immediate TransUnion-recalculated FICO Score financial impact to our family totals {$3400.00} in additional points and PMI premium not to mention the longer term impact of this issue over the 30 year life of our loan. 

Furthermore, if I would have somehow caused a negative credit event or should TU just determine that my overall credit profile had worsened, then one would assume that my TU FICO Score versions would all have dropped. Right? I mean, when one compares my XX/XX/XXXX TU FICO Scores to the XX/XX/XXXX TU FICO Scores, TU is implying to certain potential creditors/TU Score vendors that I am just as good a credit risk on XX/XX/2020 as I am on XX/XX/2020. 

Adding insult to injury, if I theoretically visited 2 auto dealers on XX/XX/2020, I could get a competitive auto loan rate if the dealer uses the TU FICO Auto Score XXXX  but I would receive a punitive auto loan rate at the second dealer assuming they used TU FICO Auto Score XXXX. In this example, I suppose I should have gone auto shopping on XX/XX/XXXX when both TU FICO Score versions were better representative of my Credit Profile.

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 2022-06-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone stole my identity and used fake ID cards withdrew cash from Chase Bank cashiers, which were {$1000.00} from my checking account and {$1000.00} from my savings account on XX/XX/XXXX, {$800.00} from checking on XXXX XXXX, and {$300.00} from saving on XX/XX/XXXX. 

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I had been working at company from XXXX XXXX  to XXXX XXXX. I did not go to Chase Bank or withdraw money on that day. My company can certify my working schedule. I don't know who used my identity to withdraw money. I never lost my driver 's license, bank cards or other ID cards. I realized my money was stolen when I checked my Chase APP on phone. I went to Chase bank branch. The employees checked surveillance camera, and then told me someone withdrew cash from cashiers. 

I want to file a claim, get back my {$1800.00} from savings account and {$1300.00} from checking account. I have attached police report and my working proof. 

These are the 4 police report case numbers : XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Despite having turned in numerous pieces of information that are contrary to the information on my file, Equifax and XXXX continue to report these errors as facts, and their mistakes are causing me to have business opportunities denied because of their error. A police report was submitted in reference to the fraudulent accounts, but yet they remain. A collection for {$3600.00} was placed on the police report as not mine and they refuse to remove it. Another report with late payment from capital XXXX is not my account as well. It remains on the bureau. Their score rating system is grossly off and has not been updated in months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I found an account on my credit that I didn't open, so I made a police report and sent it to the company AND to the 3 major bureaus, whom by law have only 4 days to remove it. 30-days later, it's still on my credit report and I've received ZERO response from anyone involved.

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 2022-12-20
Company: Century Credit & Collections, LLC
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: Old information reappears or never goes away

Complaint:
On XXXX 2022 I had spoke with my credit bureau and they explained that it was a hard inquire from XXXX XXXXXXXX on my credit report from XXXX. I contacted XXXX XXXXXXXX on XX/XX/2022 to resolve the issue and also explained that I do see the inquiry. They keep telling me theres nothing in they system but yet its on my credit report and its affecting 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 explanation
Consumer complaint received 2022-06-07
Company: EQUIFAX, 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:
I am a victim of identity theft and have inquires posted on my report, as well as accounts. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ACCOUNTS XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please see the attached documentation, including the most recent letter that was sent to U.S. Bank on my behalf. U.S. Bank misrepresented to the CFPB that U.S. Bank was unable to locate a call or record of a payment being received pursuant to the XXXX XXXX XXXX XXXX. But U.S. Bank has received multiple copies of the affidavit of its own employee who witnessed me make my mortgage payment and also witnessed the mortgage dept represent to me that payment had been successfully made. I've also been informed by various U.S. Bank agents that U.S. Bank phone calls are recorded and therefore there should be a voice file as well as a call record for that particular date. U.S. Bank has repeatedly misaddressed correspondence to both myself and my representative and acted with deceit by stating to the CFPB that it could not reach myself or my attorney. U.S. Bank 's response to my first CFPB complaint is full of false statements. I am entitled to receive the same rate and terms for my mortgage that was in the XXXX offer sent to me in XX/XX/2021 and which I accepted. That XXXX  should have never been revoked and I should not be disadvantaged because of U.S. Bank 's error in failing to process the payment when they expressly represented to me that this payment was made/processed successfully.

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