BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-29
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was given a line of credit in XX/XX/XXXX for {$10000.00} from Discover. I used the money for relocation expenses. Once I maxed out the card, Discover shut down my ability to ever use it again. I had not missed a payment, yet the card was shut down. In the 4 years since, I have missed exactly XXXX payment ( XX/XX/XXXX ). I have paid much more than the minimum amount due nearly every month. In total, to date, I have paid {$9500.00} of my {$10000.00} debt to Discover. According to their calculations, I still owe them {$7500.00}. I have been given credit for exactly {$2400.00} of the payments I have faithfully made. This can not be fair on any level, can it? According to them, {$7000.00} of the {$9500.00} that I have paid has gone strictly to interest. According to these calculations, I will basically never pay off this debt regardless of how much I pay. Thus far, Ive paid 70 % interest on the card. And I most definitely did not apply for this card with the notion that it would be a lifetime of debt. I have asked them, after years of a perfect payment record, to please lower the interest or to work with me in some way. I was told that there is nothing that can be done. Im sure if consumers knew what they were signing on for, a good deal of them would take their business elsewhere. I know I would have. I realize and appreciate that an interest rate is attached to all credit cards and loans. And sometimes, that rate can be pretty steep. But paying {$7000.00} ( and counting! ) in interest on a {$10000.00} card I should never be allowed happen. At this point, I am questioning the sanity of continuing to make these payments. Im not even treading water here, Im XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: NY
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  has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to dispute the recent incorrect charges and late payments that have been reported on my XXXX account. This account was closed in XXXX, and I am concerned that late payments for XXXX are being inaccurately reported. I request your immediate attention and assistance in resolving this matter as this has caused me extreme financial harm. 
I have carefully reviewed my credit report, and I was surprised to find that late payments are being reported for the year XXXX on the XXXX account. This is inaccurate as the account was officially in XXXX, and I have not made any transactions or late payments on this account beyond that date. 
These inaccuracies on my credit report may negatively impact my creditworthiness and my ability to obtain a home. 
The Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies maintain accurate and up-to-date information on consumer credit reports. 
I encourage you to view the documentation that I have attached to this compliant as it contains the letter I've sent to Equifax and XXXX, along with a copy of the inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-25
Company: Specialized Loan Servicing Holdings LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I paid a double payment ( the 2nd month they took over servicing my loan ) I paid a double payment over the phone at SLS. I had XXXX XXXX one payment and then paid 2 more by phone. SLS refuses to acknowledge this double payment yet, I have proof through my bank statement. This began rolling late fees and other fees. 

I continued to make my payment and now 100 % of payments, which I have paid EVERY SINGLE MONTH since XXXX are applied to ONLY FEES. Now, they are saying I'm 12 months behind and I'm NOT. Then, in XX/XX/XXXX they placed me in forbearance but I continued to make my payments. I have sent my payments via XXXX XXXX for over 2 years EVERY SINGLE MONTH. They are only using my money for late fees that have accumulated since they DID NOT APPLY THE 2 PAYMENTS I MADE IN XXXX. 

I have called these people repeatedly and they can't seem to go back far enough and then they said it was an old system. I have proof of every single payment I've made to this company.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 receive an alert of a hard credit pull in my credit report Innmy transUnion today XXXX, I have never authorized or applied for anything from this company XXXX XXXX. 
Inquiry : XXXX. XXXX, XXXX  Personal Services Other Than Medical ( XXXX ) XXXX I have immediately called TransUnion to dispute it directly, they said I have to file a complaint.

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 2022-07-04
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-25
Company: Experian Information Solutions 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:
I recently received an adverse action for a property I was trying to get, so I pulled my credit report and saw that I had the following inaccurate information listed : XXXX  account # : XXXX - inaccurate should not be on credit report and XXXX  account # : XXXX - inaccurate late payment should not be on credit report, it should show all payments on-time. 

I am certain that this information is why I did not get the property. I would like to submit a dispute in reference to the following : Experian credit report has the following inaccurate information still listed : Also known as : XXXX XXXX XXXX, XXXX XXXX XXXX ; Addresses : XXXX XXXX XXXX, XXXX, IN XXXX, XXXX XXXX XXXX, XXXX, IN XXXX, ( XXXX XXXX XXXX XXXX XXXX, IN XXXX SHOULD NOT BE LISTED AS IT VIOLATES MY RIGHT TO PRIVACY AS THE CONSUMER ) ; Closed accounts : XXXX  ACCOUNT # : XXXX and Late payment on XXXX  ACCOUNT # : XXXX ; Inquiries : XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Experian did not conduct a reasonable procedure to ensure my credit report included maximum accuracy. Unfortunately, I do not have confidence in their system and will no longer extend credit due to the adverse affects of this inaccurate information. I have previously provided my information so that they could verify me through multiple factors, however, they choose to ignore the law.

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 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX Account # : XXXX Account Type : Revolving Account Type - Detail : Charge account Bureau Code : Individual Account Status : Closed Monthly Payment : {$200.00} Date Opened : XX/XX/XXXX Balance : {$5100.00} No. of Months ( terms ) : 0 High Credit : {$5500.00} Credit Limit : {$5500.00} Past Due : {$960.00} Payment Status : Late 120 Days Last Reported : XX/XX/XXXX Comments : Canceled by credit grantor Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Late Payment Status : Was 30 days late 1 time ( s ). Was 60 days late 2 time ( s ). Was 90 days late 1 time ( s ). Was 120 days late 2 time ( s ).

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 2022-09-25
Company: General Motors Financial Company, 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: Account status incorrect

Complaint:
I reached out to this company XX/XX/2022 and informed them that they are reporting charge off on my consumer report. Its illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and the company must file a 1099-C.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: Experian Information Solutions Inc.
State: PA
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 Acct # 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 2022-12-06
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
All 3 credit bureaus are reporting monthly three private loans with Navient. I have no knowledge of these loans. They are reporting loans were purchased from " XXXX XXXX  XXXX ''. I reached out to XXXX XXXX  XXXX many times and they don't have any accounts associated to my name, social security number, or d/o/b. I have requested countless times from Navient to provide me the original master promissory note from XXXX XXXX XXXX  and they have failed to produce the documentation. Navient Account XXXX was reinvestigated by XXXX and determined to be fraud and was deleted from my credit report and Navient is still requesting payment from me. XXXX XXXX XXXX can only give me a letter if i have previously applied for a loan since i never applied for any loans they cant provide me a letter. The three credit bureaus over the years have not conducted accurate investigations or provided me with documentation of the proof Navient has provided these loans are accurate. My university is suppose to approve loans distribution my university or Navient don't have any documentation on who approved these loans. By law Navient has to provide me the original promissory note from XXXX XXXX XXXX  with a wet signature that i signed. I have yet to receive this information. All parties have done a poor job assisting me in finding a resolution. I filed a police report with the XXXX police i will attach and i reported this to the identitytheft.gov

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: AL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
According to FCRA all information on my credit report must be verified and accurate. In accordance with the Fair Credit Reporting Act TransUnion and XXXX has violated my rights. XXXX XXXX XXXX account number XXXX reporting inaccurate showing account open that is supposed to be closed. XXXX showing this account has been closed, FCRA says all report must be accurate, how can XXXX reporting this closed but not Transunion and XXXX! according to FCRA all inaccurate information must be correct or delete it.

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 2022-07-04
Company: EQUIFAX, INC.
State: FL
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:
Equifax, XXXX, XXXX, youve consistently failed to comply with the FAIR CREDIT REPORTING ACT and now I have no choice but to FILE A LAWSUIT AGAINST YOU. Pursuant to 15 U.S. Code 1640 ( B ) - Civil liability class actions arising out of the same failure to comply by the same creditor shall not be more than the lesser of {>= $1,000,000} or 1 per centum of the net worth of the creditor ; I, XXXX XXXX, am aware of XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, racketeering activities and The maximum criminal penalties for violating RICO include a {$25000.00} fine and imprisonment for 20 years. 

These penalties are imposed on top of the criminal penalties resulting from two or more substantive offenses that the individual or organization has committed in the 10-year period. 

Penalties Under the RICO Act, A person convicted can face a fine of either {$250000.00} or double the amount of proceeds earned from illicit activity. The prison time can increase to up to a life sentence depending on the underlying crime that was committed. 

Im aware ALL party ( s ) mentioned above and agent ( s ) have willfully and intentionally violated my rights and has violated the FAIR CREDIT REPORTING ACT as dated on XX/XX/2022, I have given written instructions pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) and all party ( s ) have failed to comply now I have no choice but to FILE A LAWSUIT WITH PREJUDICE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is incorrect! I've never been late on this one! I'm always on time with my payments. This is incorrect information. By reporting this false information, you are harming 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 2022-09-25
Company: Berlin-Wheeler, Inc. (Kansas)
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
this is the situation so i paid off the utitly company the cable company they send to collection to collect a XXXX balance i have try to talk to them for several time about this situation to take this negative mark and they would not take it off till i paid and it show its paid off and they company jnow i had paid them off. so what they are doing its a frandulent act, on my credit report i have talk to them and i ask them and they are not willing to remove this i need some help with this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
In XXXX my XXXX XXXX XXXX XXXX was put into covid forbearance. When it came out I paid back payments of XXXX to bring it current. For the time it was in forbearance my credit report shows XXXX  on XX/XX/XXXX shows 180 days late which is stopping me from refinancing this mortgage and my first mortgage with any bank or mortgage servicer. I reached out to XXXX  XXXX XXXX for help they refused to change the rating. This is an adjustable rate home equity loan I tried to get them to change it to fixed but I was told it would be higher if I did that. I would just like to move on from this and restructure my current finances. This complaint is also for my husband XXXX XXXX ss XXXX. XX/XX/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 2022-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the In accordance with the fair credit reporting act The list of accounts below has violated My federally protected consumer rights To privacy and confidentiality XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX account # 2024 has violated my rights XXXX & XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX Now account XXXX XXXX XXXX U.S.C XXXX Section XXXX A States I have a right to privacy XXXX XXXX XXXX Section XXXX A Section XXXX : It also states that a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : No consumer reporting agency may make Any consumer report containing Any of the following items Of information Any other adverse item of information, Other than records of convictions of crimes which antedates the report by more than seven years XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: NY
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 has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option

Company response to consumer: Closed with explanation