BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requesting that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
TransUnion is currently violating FCRA 611 USC 15 1681i ( 5 ) A { Treatment of Inaccurate or Unverifiable Information } FCRA 611. ( See enclosed copy of actual FCRA violation ) and 1681i ( 8 ) Expedited dispute resolution ( See enclosed actual copy of FCRA Violation ). On viewing my latest TransUnion credit report and for the 3rd time TransUnion has failed to include information that I know is important to providing a complete accuracy of my TransUnion Consumer Credit Report ... TransUnion Deleted my XXXX XXXX XXXX XXXX account # XXXX ..without my authorization. TransUnion inaccurate reported this on XX/XX/2021, XX/XX/2021 File # XXXX, and on XX/XX/2021 file # XXXX. ( See enclosed copy of reports ) XXXX XXXX XXXX XXXX XXXX was deleted for retaliation for i requested my social security number be corrected on my file. I could not access my XXXX XXXX XXXX XXXX XXXX when TransUnion. Changed my Social Security Number on my TransUnion credit file. This has cause me to lose a valuable business contract and damage my chances to gain the credit needed for my business. Note that both XXXX and XXXX are reporting this account, ( See enclosed copy of reports ). According to 616 { 15 USC! 681n ( 3 ) b Civil liability for willful non-compliance

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 2016-10-20
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I mailed 2 certified letters to the University XXXX asking them to verify that the debt is mine. One was mailed XX/XX/2016 and one on XX/XX/2016. I have the signatures stating that they received them. It also was not marked as disputed on my Experian credit report within The 30 days as allowed by law. It has been over 60 days and I have not received verification that this debt is mine. Per the FCRA law, they had 30 days to both mark it as disputed on my credit report and send verification. They broke the law but not responding and I want it deleted off of all XXXX of my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: Oliver Adjustment Co.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter on XX/XX/2020 and this company has failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.

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 2020-06-10
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Company operating as " XXXX XXXX Firm '' at XXXX XXXX called multiple relatives and associates stating I had litigation pending against my residence and they were trying to reach me. I called them back and requested proof of debt owed and information about this " law firm '' as it was clear they are a debt collection operation. The people I spoke to would not provide me anything in writing, they would not give their personal name or address. They also told me there was a court date for XXXX XXXX XXXX, 2020 which there is not. They made several threatening statements about putting me in jail, called me XXXX and many other names. 

This company is claiming to be a law firm, violating the FTC laws by contacting friends and family members, and making false statements about being sent to jail.

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 2015-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I spoke with XXXX XXXX form Bank America on XX/XX/2015 at XXXX XXXX. I informed her I was being represented by an attorney, and she needed to speak with my attorney. She continued to assert information when I again directed her to speak with my counsel. She asked me if I received a letter from the Bank, and I told her no letter was received to date on this account. It has been over 5 Working Days. I am requested harassing phone call stop since I am being represented by an Attorney and all communication be in writing to verify accuracy of information received or communication with counsel. The Attorney of Record is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXXTel : XXXXFax : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 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 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 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX Balance : {$0.00} - status update date shows that this account wasn't even investigated, remove account. 

XXXX XXXX  XXXX Balance : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX XXXX XXXX Balance : {$510.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 've sent numerous certified letters to the collection agency and the creditor directly to remove this frivolous account from my records. The collection agency kept requesting for me to provide more information. I am unable to provide anymore info on that account. A fraud affidavit was submitted to the collection agency multiple times. The have n't corrected the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 an 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 2015-09-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have submitted numerous complaints. Nothing happens. I recieved a call regarding reporting me 90 and 120 days past due. LIKE I told XXXX before he hung up pn me, I was told in XXXX that it would take 2 weeks for the MODIFICATION. I asked him check the recirded line! He says he does n't believe me! I would n't be hassling this for over a year if it wasn ; t true CHECK THE RECORDED LINE WELLS???? 
Also when I paid XXXX XXXX and XXXX it just kept the late notice going higher and higer. My payments for the modification was never ever ever acknowledged on my Credit Ratings! It looked to the public that I was still not paying. 
This is personal and I will continue to keep this active until the take accountablility from the beginning! 
Im sick of all the hours and time on this. I am very tired of some people being RUDE to me or Hanging up on me. What kind of Bank is this!!!!!!!!!! 
Because you have n't done what should have been donbe pertaining to this modification you have caused me hardship and stopped us from doing anything with our credit. Thats you fault and liability! 

XXXX and XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have reached out to all 3 credit bureau to update my personal information on my credit profile. I will attached documentation to prove the removal of incorrect information. I also just found out that several inquiries are also on my report that are fraudulent. According to the FCRA section 611 ( a ) ( 5 ) ( B ) it's a violation to insert deleted items back on to my credit.

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 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have reached out to all 3 credit bureau to update my personal information on my credit profile. I will attached documentation to prove the removal of incorrect information. I also just found out that several inquiries are also on my report that are fraudulent. According to the FCRA section 611 ( a ) ( 5 ) ( B ) it's a violation to insert deleted items back on to my credit.

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 2015-10-02
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I refinance with a mortage company that promised that insurance and taxes were included in the total monthly payment, however they purposely failed to tell me and my wife that taxes and insurance were only included for the remainder of the year and that we would be responsible for paying taxes and insurance after the first year in addition to our new mouthly mortage payment. That financially destroyed us. I believe they described this as a mortage XXXX type of mortage. That was with Wells Fargo

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: GCFS, INC.
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This GFCS company has come after me for a debt from 2007 in which I signed up for an online c=College XXXX who shortly after I signed up lost their accrediation so I called them wanted to be excempt from paying this loan and they told me they would do so. I the mean time they turned it over to collectors who have contacted my employer and now put a lien on my banking accounts in the amount of XXXX which is everything I have. I have just recently gone back to work XXXX and was collecting XXXX benefits. XXXX. Please help me now I can not afford to go back on XXXX and they have left me with no money for resources.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: IL
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:
This should not be on my credit report, this is inaccurate information on my credit report. I would like these accounts removed as soon as possible as it is damaging my credit report. The law clearly states it under 15 U.S.C 1681G Law violation. 


Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$3700.00} Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type FHA Mortgage Balance on XX/XX/XXXX Loan Amount - {$180000.00}

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 non-monetary relief
Consumer complaint received 2015-12-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Every month I start getting calls about one week prior to and one week following payment. They call multiple times per day. When I block the number to use a new number. If I were in very bad standing with my account I would understand but I am not nor have I ever been which makes the consistent, repetitive and harassing calls unjustifiable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: OneMain Finance Corporation
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have a high interest loan with One Main Financial that I got back in XXXX XXXX. Interest rate very high at 36 %. It is 59 payments. I believe I have made about 32, because there were 2 payments returned in XXXX. I made 17 payments late and there's 5 % of the unpaid amount charged for each late payment. So I made some mistakes and they seem to be costing. But I can not wrap my brain around the pay off amount today being XXXX when the original loan was XXXX. My total actual payments until XX/XX/XXXX were XXXX, applied to principal was XXXX, applied to interest was XXXX. So I have the following concerns : a. XXXX of my actual payments are missing since the amount to interest and the amount to balance does not add up to my total actual payments made. 
b. I have paid almost all the total interest due ( due is XXXX ) at this point with still 27 payments left if I were to go to the end of the payment period ( 59 payments ). Why were they applying only XXXX or XXXX or such low amounts like that to principle on so many times? 
c. If I pay this payoff amount of XXXX, add that to my total payments of XXXX that is XXXX. The total I should have to pay if going the whole 59 months would be XXXX. So I am only XXXX from paying the total even though I am trying to pay it 27 months early! And even if I subtract what they say I owe for in " forborne principal and/or interest '' that would be XXXX - XXXX = XXXX ( payoff ). Add that to XXXX and you get XXXX which is still Only XXXX left to pay ( for the last 27 months ). 
d. Please check if all this is legit. I am trying to pay things off so I can retire at some point, but I want to pay off legitimate amounts. 

Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX I took out a mortgage loan with XXXX XXXX XXXX. They advertised affordable monthly payments and low interest rates on their loans. However, every month the bill came higher than expected. It got to the point where I no longer was able to afford a monthly payment. In XXXX, XXXX Bank, entity that did not know, started a foreclosure action against me. The entity suing me was different than the one I took out the loan. Then, I heard from American Servicing Company, another bank that started collecting the debt. I tried to do loan modifications several times but I was denied. I feel that the bank did not do a proper and fair review of my loan modifcation application and just wants the house to be foreclose. The legality of this loan is in question since I do not know to which entity do I really owe money to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had XXXX collections on on my Transunion report removed then they added them back on without telling me they were going to do that. I cant look at my XXXX report but I believe they added them back on to report also. I have a screenshot of the removal and then the replacing back on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Credit Control, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They called multiple times from different phone numbers threatening 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 2016-01-15
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
This is the second time I 'm contacting your organization with regards to my private student loans through HESAA ( New Jersey loan agency ). I 'm concerned about my amortization schedule. To my approximation, I 've made about {$76000.00} in payments over the last 4.5 years towards my principal balance ( based on monthly payment schedule ), yet the balance has only decreased by about {$6000.00} in the same time period. I 'm concerned they are not applying the proper amount to the principal balance and applying it primarily to the interest. With this lopsided allocation of interest over principal, I am not sure how the loan will be paid according to the terms of the agreement.

Company response to consumer: Closed with explanation