BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without 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 XXXX  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 XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2019-10-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I believe that the rate on my adjustable rate mortgage is wrong. The mortgage is a variable rate mortgage with the interest rate calculated by taking the published " index rate '' and adding a certain number of percentage pts. called the " margin. '' Under my loan agreement, my index rate is a 1 year LIBOR and my margin is 2.25 %. The Libor rate being as published in the XXXX XXXX XXXX. 

I received a letter from Citizens One Home Loans ( CCO mortgage co. ) ( Citizens Bank of Ma. ) stating that my new monthly interest rate would be 4.375 %. My rate change each 12 months can not rise by no more than 2.00 % with a margin of 2.25 %. 

I checked the Libor rate XX/XX/XXXX & XX/XX/XXXX and it was 1.89 %. According to my math, 1.89 % plus 2.00 % comes to 3.89 % Even if I add 2.25 % I still come up with a rate LOWER ( ( 4.14 % ) NOT 4.375 % which is stated they will charge me starting on XXXX XXXX 2019. Why is this wrong? 

I was also denied any access to speak to anyone in management so I am turning to you for help in this matter. Also, I was told by a clerk that the law states that my letter stating new rates had to be mailed out 75 days prior to my rate adjustment. Why? Did they figure my rate XX/XX/XXXX when my mortgage doesn't even flip until XXXX to grab a higher Libor rate? This does not seems fair or right. Please help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: AES/PHEAA
State: TX
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 am writing to complain about how interest is calculated to my student loan which isn't how I understood it would be charged when I started repaying. For XXXX I paid {$3800.00} to my loan provider. The interest that was collected for the year is {$2300.00}. which means {$1500.00} went to the principal amount which is currently {$51000.00}. My loan interest rate is 4.5 %. This means that I paid more in interest to the lender than what was applied to my loan. If you do the math, 60.8 % of what I paid for XXXX went to interest. This is far, far more than 4.5 % interest. By the time I finish paying off my loan balance I will have paid almost two times the amount that I borrowed which is not 4.5 %. This is just wrong. Students are misled when it comes to the methods lenders use to collect the absolute maximum amount of interest they can while making it sound like a fair agreement where you pay just 4.5 %. 

Another complaint I have is that I defaulted on my loan thanks to the recession in XXXX where I was unable to find work. When I found employment and was able to start paying again I had to enter into a loan rehabilitation plan in order to start paying back my loan and was charged 18 % of my principle balance just to be able to start paying back my loan. This is just wrong also. 

My last complaint has to do with the school that deceived me also. I was told they were an accredited college and that my credits would transfer to the other colleges and universities. It was my plan to attend college after getting my associated degree to get my engineering degree. When I enrolled I was informed that my credits from XXXX would not transfer to the state XXXX college I was enrolling in and that I would have to take all the classes over again. Not only that, but the school I attended was shut down because of deceptive tactics and other dishonorable methods. 

I feel like I have been totally robbed. It baffles me how young adults are taken advantage of and misled by our educational and lending institutions. This is so wrong and so unfair, and it needs to be correct. If we have to mislead people in order to make huge profits then we are selling a product or a service that has no business being sold. 

When it's all said and done, I will have paid over {$80000.00} for an associates degree from a school that was shut down because they were corrupt. I am truly disappointed with this system and how the people who are keeping this country and economy running competitively are so frequently violated. 

Regretfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Experian Information Solutions 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:
Experian is reporting that on my account name XXXX, there were charge-off 's in the amount of {$130.00} occurring on the following dates : XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX. The charge-off on XX/XX/XXXX is accurate, however the subsequent charge-off 's are not. I have disputed this with them twice, however they continue to " confirm '' all charge-off 's are accurate. I contacted XXXX and was informed that they themselves have no record of the subsequent charge-off 's, and do not understand why Experian is reporting that information. I was able to get a branch manager to write a letter stating that only the charge-off on XX/XX/XXXX was valid, and all subsequent reported charge-off 's never occurred. I attached this letter to my dispute. Despite this letter, Experian insists on leaving the charge-off 's on my report, and even states that they confirmed this information with XXXX. Again, XXXX has absolutely no record of these extra charge-off 's has stated they did not confirm them, or report them to Experian. It's also worth noting that Experian is the only credit bureau reporting this inaccurate information. XXXX  and XXXX   correctly show the single charge-off occurring on 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 2022-02-23
Company: Nelnet, Inc.
State: AK
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Remove the debt from me and ask the con artist student loan provider to pay it. I have already made payments towards this unauthorized balance just to increase my credit score. Did not authorize any loans. Did not receive services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report since I have been receiving several calls from lenders saying that someone is trying to open bank accounts in my name. And I notice that there are some inaccuracies on my personal credit reports. And I recently read that the Fair Credit Reporting Act gives me the right ( by law ) to challenge anything that is not 100 % accurate on my personal credit report. 

Now I am asking for a FULL INVESTIGATION and PROOF from the account holder XXXX XXXX to show how I was late for the months of XXXX, XXXX, XXXX, and XXXX of 2019 when I had applied for refinancing but kept making payments. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof then these XXXX XXXX ( XXXX ) accounts must be deleted. So, I am requesting them to be deleted because they are NOT 100 % accurate. So, could you please investigate and get back to me? I know from reading an FCRA lawyers site that you have 30 days to complete this investigation. 

Again, investigate these accounts and remove them if anything is missing or not correct on them. 

Accounts Account Name : XXXX XXXX Account Number : XXXX Origin Loan Amount : {$15000.00} *Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Origin Loan Amount : {$9500.00} *Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Can I get an updated report after your investigation? You can use the above address ( same as my ID ) Thank you for your time and help XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-20
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Investigation Request Letter To Whom It XXXX Concern : I received a copy of my credit report since I have been receiving several calls from lenders saying that someone is trying to open bank accounts in my name. And I notice that there are some inaccuracies on my personal credit reports. And I recently read that the Fair Credit Reporting Act gives me the right ( by law ) to challenge anything that is not 100 % accurate on my personal credit report. 

Now I am asking for a FULL INVESTIGATION and PROOF from the account holder XXXX XXXX to show how I was late for the months of XXXX, XXXX, XXXX, and XXXX of 2019 when I had applied for refinancing but kept making payments. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof then these XXXX XXXX ( XXXX ) accounts must be deleted. So, I am requesting them to be deleted because they are NOT 100 % accurate. So, could you please investigate and get back to me? I know from reading an FCRA lawyers site that you have 30 days to complete this investigation. 

Again, investigate these accounts and remove them if anything is missing or not correct on them. 

Accounts Account Name : XXXX XXXX Account Number : XXXX Origin Loan Amount : {$15000.00} *Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Origin Loan Amount : {$9500.00} *Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Can I get an updated report after your investigation? You can use the above address ( same as my ID ) Thank you for your time and help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
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: Account status incorrect

Complaint:
I contacted the company concerning inaccurate information reporting to the credit bureaus. They provided me with all payments that were made on my account and when I called them wanting to know why are they reporting payments being late per the documents that were provided by there company. I was advised they were not changing the information. Im discussed with the way this company is treating there clients.

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 2015-07-18
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was transferred from XXXX to JPMorganChase beginning XX/XX/2015. When I went to pay Chase, I did not have an account number. I contacted phone number given and was told to pay to XXXX as transfer was n't set up yet. I paid XX/XX/XXXX payment to XXXX. I received account number and paid XX/XX/XXXX payment to Chase. Chase returned payment. I called and automated message said my first payment was due XX/XX/XXXX. By not accepting my payment Chase has increased my interest. I was concerned that no payment XX/XX/XXXX would effect my credit so I checked my credit report and learned that I was shown as owing mortgage amount to both XXXX and Chase -- doubling my debt. Details for XXXX did not include my XX/XX/XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
XXXX XXXX keeps calling me very early everyday regarding a bill that the statute has expired over ten ( 10 ) years, I currently have a credit score of over XXXX, they keep threatening me with legal action that is not valid, please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-23
Company: PENTAGON FEDERAL CREDIT UNION
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: Was not notified of investigation status or results

Complaint:
Pentagon Federal Credit Union has reported incorreect information on my credit report. I was not aware of this until XX/XX/XXXX when my credit report was reviewed. I contacted Pentagon Federal Credit Union on XXXX XX/XX/XXXX. A credit card was issued to a family member in XX/XX/XXXX. The credit card has been since charged off on XX/XX/XXXX. There was a balance of {$19.00}, XXXX. Through many conversations with different Pentagon reps, I was told that I was a joint card holder. I have never authorized or signed any forms as a joint or authorized used of the credit card. I was not aware of any Pentagon credit card. ( see attachedment of authorization form ). I have been calling and attempting to result this problem for nine weeks from XX/XX/XXXX until XX/XX/XXXX. 
Pentagon has not returned any of my phone calls. 
This problem has caused a very stressfull situation and a low credit score. Several of my credit cards were closed due to this incorrect reporting. I am not responsible for the 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 non-monetary relief
Consumer complaint received 2017-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I dispute the XXXX XXXX XXXX account several times. They continue to collect on a account included in Bk case XXXX chpt XXXX and even fax bk docs from my attorney but the will not update my credit report correctly. Talked to XXXX XXXX a collection rep who stated yes we put your file in bk but still can collect. Which is against the law. I want my trade lines reported accurately per FCRA or delete the 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 explanation
Consumer complaint received 2022-06-20
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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the XXXX  to XXXX 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 2017-11-22
Company: Weber & Olcese, PLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received no prior notice from this company. They sent a violent individual to my apartment that began pounding on our door so hard it bent the latch and door jam. He persisted and we were terrified someone was trying to break in not expecting them. My XXXX year old son has XXXX and was crying and visibly shaken. After XXXX minutes and us about to call police, he yelled and swore at me to open the door he had papers to sign. I relented and signed. Intimidating and harassing peoples families with no warning is wrong and causes a great deal of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XXXX we were camping at a lake near our home when I received a phone call from a person who stated he was from Well Fargo credit card services. He stated that there was a suspicious activity on my credit card. He asked if I had made a {$1400.00} purchase that morning. I told him I had not. He stated that my account had been hacked and my card needed to be disabled. He said he would text me a 6 digit code to confirm my idenity., I told him I would need to hang my cell in order to retrieve the text. He said he would call back once I had the text. I hung up and looked at the text and wrote down the 6 digit. While I was waiting the call back, I redialed the phone number he had called on and got the Wells Fargo recorded menu. While I was scrolling through the menu to get customer service, I saw the person calling. So I answered the phone and gave him the 6 digit code number, He told me my card was now disabled and a new card would be issued and sent fedx over night to home. 
When we returned home the morning on XX/XX/XXXX I logged in to my Wells Fargo account and saw that there was a {$7100.00} charge on my account that I didn't make. I immediately called Wells Fargo and reported the fraudulent charge. I also filed a report with county police dept. Wells Fargo opened a Fraud claim. On XX/XX/XXXX Wells Fargo denied my claim and said that I authorized the card. On XX/XX/XXXX Called Wells Fargo and appealed their decision. They reopened the claim and I am now waited their decision. I did not make this charge and I told them so. I will continue to fight them on this, if they continue to deny my claim. 

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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 2015-08-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I XXXX XXXX would like to dispute XXXX First delinquency. On my credit file I printed on XX/XX/XXXX the first delinquency was back in XX/XX/XXXX. XXXX keep reporting different delinquency dates to Experian. Seven Years from the first delinquency is when XXXX is suppose to be removed from my credit file and on XX/XX/XXXX it will be seven years from my first delinquency an I would like XXXX removed from my Experian credit report. XXXX is showing a delinquent date of XX/XX/XXXX. on my credit report XXXX is not showing the my payment history from XX/XX/XXXX to XX/XX/XXXX on my credit report where my first delinquent payment is missing on my credit report. XXXX is sending Experian conflicting delinquency dates to prolong this adverse to be on my Experian credit file and I would like XXXX to be removed from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: ACIMA CREDIT, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
My recent Credit report is still showing the same Bankruptcy issue which I have already addressed to the XXXX bureau in my previous written complaints. The bankruptcy 's file date was incorrect and outdated. Make sure to provide proof that the filed date which you confirmed was correct. Send to my address a copy of the papers which shows that the bankruptcy was filed in XX/XX/2019.

Company response to consumer: Closed with explanation