BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.

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: 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: Their investigation did not fix an error on your report

Complaint:
I noticed unauthorized inquires on my credit report from Equifax and wrote several letters to dispute the unauthorized inquires being reported by this company XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XXXX  XX/XX/2021 Each the above inquires were not authorized by me and I do not recognize them. This is causing a negative impact on me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Consumer Financial Services Solutions, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
I signed up with Beyond Finance XX/XX/XXXX because they claim they would help me consolidate my outstanding balances, because things were tight and Covid had just started and things were shutting down so I was unsure of the outcome and I was never late on payments I had with creditors. 
I was unaware of the impact it would cause. 
Now, I have many charge offs because They instructed me to stop paying. They would try and settle with the credit card companies and upon completion of the settlement, they would report paid as agreed. 
Throughout the process, I was charged massive amounts of money that off the top was paid to Beyond for fees. The payments agreed to was minimal and some would increase when one was complete. 
However, in XX/XX/XXXX there was a miscommunication and they refunded. 
{$590.00} a portion of my deposit. After speaking to several people there my deposit was put back in the account. 
Once the account was restored thee initial XXXX  accounts fell off. I had been charged $ {$7400.00} in fees settled amount {$19000.00} paid {$8100.00} balance due $ {$11000.00} not to include book fees of {$10.00} ea moXXXX {$14.00} ea mo  ( legal ) and as of today those accounts are still open. 
5 accounts have been paid off.Fees charged {$1500.00} settled amount {$4200.00} When reviewing my credit report all I see are charge off. Some XXXX balance and ones that fell through the crack has me owning much more. I have exhausted myself trying to pay this and to no avail. 
I need assistance. Creditors are still calling several times a day. I forward to Beyond but they are still calling me. I have not stopped as yet because I have invested so much and I have also paid off some of the accounts that were included in that agreement myself because they wound stop. I don't know what to do. {$10000.00} and I've paid {$6700.00} owning a balance of {$3400.00} to date making arrangements with companies. 
And finally, I still have 3 Creditors that have were included in that agreement myself because they wound stop. I don't know what to do. {$10000.00} and I've paid {$6700.00} owning a balance of {$3400.00} to date making arrangements with companies. 
And finally, I still have 3 Creditors that have not been spoken to. I have all agreements receipts and confirmation of payments. I am tapped out!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-06-08
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: Account information incorrect

Complaint:
In accordance with the fair credit Reporting act, XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under open an end consumer credit plan as late for any purpose. It is showing a late payment for XX/XX/2022 on my XXXX card ending in # XXXX on file AND a late payment for my XXXX auto loan beginning in # XXXX for XX/XX/2022 TOO. This is simply not true. I would like an investigation launched about this supposed late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: Bread Financial Holdings, Inc.
State: OR
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:
My ulta card by comenity was reported as 30 days late on credit reports when I was not able to make a payment to avoid it. Comenity claims to been doing system updates for over a week now and people have not been able to log to account, make payments online or over phone for several days and therefore were not able to make payments by due date. I wanted to make payment by due date and pay past due amount to avoid late payment on report but was not able to as their system has been so messed up and got reported. Comenity has complaint after complaint on social media about all this and they just keep giving everyone the same automated answers over and over and no real clear answers. People are worried about a data breach or something as none of us have ever seen a system update take a week or longer where sites and phone lines all go down with no one able to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
XXXX XXXX XXXXXXXX acct XXXX XXXXXXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX  ACCT # XXXX XXXXXXXX XXXX XXXX ACCT # XXXX XXXX  ACCT XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX ACCT XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX ACCT # XXXX I have disputed these account for inaccuracies and they came back as verified but looking at my most recent credit report I am still seeing the same inconsistencies as before. 
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 non-monetary relief
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 find it unacceptable that there are public records on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: EdFinancial Services
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Spoke to a representative XX/XX/XXXX about my student loan refund from payments made in XX/XX/XXXX and XX/XX/XXXX. The rep stated the refund has been processed but failed to give a time frame or date on when. It has not been reflected on my edfinancial loan account either. Never received an email for confirmation either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In additional information in regards of CFPB complaint XXXX, As Im aware The Finance Charge, can you XXXX XXXX D/B/A XXXX XXXX XXXX XXXX CEO XXXX XXXX XXXX D/B/A XXXX XXXX XXXX XXXX CFO clarify that you are in compliance with Federal Law 15 U.S. Code 1666b ( a ) - Timing of payments ? 

Im not accusing you XXXX XXXX XXXX XXXX of anything, however, I have reasonable cause the information is inaccurate, and can you clarify the billing error? The current information being furnished on my Consumer Report, Im aware there shouldnt be any late payments for any reason according to Federal Law So Im demanding that you prove that you are in compliance with the law 15 U.S. Code 1666b ( a ). 

And Just for you XXXX XXXX D/B/A XXXX XXXX XXXX XXXX CFO to be aware, Reporting Charge off is a violation of 15 U.S. Code 1692e ( A ) - False or misleading representations. 

However, Thanks again for your timely response in advance, Best Regards, XXXX XXXX, Federally Protected Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-25
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Can you please ask XXXX to confirm that they will be paying the County Taxes on my house at XXXX XXXX XXXX XXXX XXXX XXXX AZ 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 2022-04-25
Company: AES/PHEAA
State: SD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I've been faithfully paying on my federal student loan for years but HARDLY anything go to my principal. I would like to pay the same amount while it applies to my principal otherwise I will have this loan forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
As can be seen this mortgage company SPS is continually refusing to give me a Loan Modification even though I clearly qualify for one. Here we go again with the pattern of asking for documents already emailed into XXXX over and over.I believe SPS is bothered due to the fact that I emailed every piece of paperwork asked for and that this company has NO intention of giving modifications to myself or any other consumers. The stupidity of this company is astonishing to say the least, and noteworthy for as many other companies to see and not only follow my complaints but, those of others in the same position and that we are not with SPS BY CHOICE! The lies and continued misuse of trust that consumers have place in this company is shattered due to their lies, manipulation and string along in an effort to do nothing but take consumers homes. As CFPB can see the documents that were dated and accepted for an ENTIRE PACKAGE, was all of a sudden missing or needed to be explained again. This is the TATIC used to continually LIE about missing documents when the documents have NEVER been missing. Its disgusting and devious in the way this company operates and especially criminal. The Government needs to see all over 300 pages I have emailed this defunct company as proof to their ability to only take consumers property and not help at all. The SCRIPT and lies they have their employees to READ is a pure joke and an insult. Oh, I will continue to pay my mortgage late after I feed my family and make sure we have lights, water, and medical if needed.As CFPB can see I didnt include entire Bank Statements, so they can see that the information is on the bank page sent and the entire bank statements were emailed to SPS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: EQUIFAX, INC.
State: FL
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:
In additional information in regards of CFPB complaint XXXX, As Im aware XXXX XXXX XXXX, can you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX clarify that you are in compliance with Federal Law 15 U.S. Code 1666b ( a ) - Timing of payments ? 

Im not accusing you XXXX XXXX XXXX XXXX of anything, however, I have reasonable cause the information is inaccurate, and can you clarify the billing error? The current information being furnished on my Consumer Report, Im aware there shouldnt be any late payments for any reason according to Federal Law So Im demanding that you prove that you are in compliance with the law 15 U.S. Code 1666b ( a ). 

And Just for you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be aware, Reporting Charge off is a violation of 15 U.S. Code 1692e ( A ) - False or misleading representations. 

However, Thanks again for your timely response in advance, Best Regards, XXXX XXXX, Federally Protected Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got 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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Seven fraudulent accounts unauthorized identity theft : all state credit bureau opened XX/XX/XXXX balance XXXX $ XXXX XXXX XXXX XXXX  opened XX/XX/XXXX balance XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX $ XXXX  XXXX XXXX opened XX/XX/XXXX balance XXXX $ XXXX XXXX XXXX opened XX/XX/XXXX balance {$2200.00} XXXX XXXX opened XX/XX/XXXX balance {$1100.00} Fraudulent address connected to fraud : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX mi XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi 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 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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  Account # XXXX, XXXX  XXXX  XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX-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

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 2022-08-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes

Complaint:
Chase XXXX XXXX : Social Security Number Activity XXXX XXXX : XXXX XXXX WA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Greetings, I recently opened a credit card and as I was checking my credit score, I noticed that I received two alerts regarding the usage of my social security number. I am not aware how those individuals have used my social security number. Those alerts received are listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: LEXISNEXIS
State: TX
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:
n accordance with the Fair Credit Reporting Act Bankruptcy XXXX  XXXX account : XXXX, XXXX, Bankruptcy XXXX  XXXX account : XXXX, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: AmeriHome Mortgage Company, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This issue is with AmeriHome and a forced gap-insurance policy that was created, but later found out to be a mistake by them. 

In the Summer-Fall of XXXX AmeriHome became the new service provider to my mortgage, including paying my homeowners insurance. In approximately XXXX of XXXX, I was informed by them that my mortgage did not have insurance coverage, and I would need to create a new policy, which I did. Then I discovered that they had created a gap-insurance policy ( through a partner company ) for the missing coverage. It was then after many phone calls that I discovered they had been notified many times by the previous insurers that a request for payment had been made but AmeriHome did not pay the due money from the escrow account. I have documents showing they did not pay these requests ( from the previous insurer ). I have been in constant communication with them to discover when a refund for the amount would be received. They then transferred my mortgage to a new servicer. 

On XX/XX/XXXX I again called them only to find out they did not have any further knowledge about the refund and it would likely be added to escrow and that I should call my new servicer to get additional information. On the same day I called the new servicer and they informed me that AmeriHome did not provide any refund amounts to escrow. And I would need to continue this with AmeriHome. 

This process has been painful, unending and highly unethical at best. Any additional information you can offer would be appreciated Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
On XX/XX/2023, letters were sent to XXXX, XXXX, and Equifax to request the removal of hard inquiries reported to my credit file, because I did not authorize those companies to pull my credit report and I do not recognize them. The credit bureaus responded back to me stating that the hard inquiries were verified without providing proof of how they verified the accuracy of the information.

Company response to consumer: Closed with explanation