BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
transunion, for this entire day would not allow disputes over the phone or online. 
i am disputing XXXX, acct XXXX as paid, mult. innacurracies including dofd is not listed.

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 2015-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have an account with XXXX XXXX, Account # XXXX. The balance is XXXX. Transunion continually fails to reflect same. Make the balance XXXX please. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-04
Company: TENET HEALTHCARE CORPORATION
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently checked my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I do n't recall this company ever providing me with a service nor do I remember me agreeing to pay them for said services. I never received any communication from this company prior to them placing it on my credit report. My rights under the FDCPA have been violated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: LAKEVIEW LOAN SERVICING, LLC
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/22 I was notified via a XXXX XXXX XXXXXXXX email that my credit application has been accepted. I forwarded the email to their XXXX address. XX/XX/22 I received a text message from XXXX stating that I would receive my credit card in 14 business days. I contacted XXXX and they verified that my identity had been used to own a credit card account. The fraud department has closed the account and opened an investigation. 
I was notified earlier in the month of XXXX that mine and my husbands identity were found in a data leak from our previous mortgage servicer. I suspect that the 2 incidents are related.

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 2022-10-18
Company: Experian Information Solutions 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:
Around the Beginning of the year around XX/XX/2022 I received information in my email that said my account was being closed by discover. I called to get information why and they said that they didnt know why that they will send me a letter out never received a letter so in my email each month I keep getting something saying that my account was closed but I need to keep paying on it because my credit score each month to take a hit and go down like XXXX points XXXX points because my credit score to go down a lot but discovery is saying my account is closed so I keep each month getting notice saying its delinquent derogatory remark, make payment, but is closed. The account is closed it is stating that it is closed. and I monitor my credit and wallet hub send me information telling me this has to be a mistake because my account is closed but the numbers keep going up.

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 2015-09-17
Company: JPMORGAN CHASE & CO.
State: CT
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:
HelloSo I submitted a cosigner release form for Chase Student loans to release my cosigner. They declined my application as they told me that I had not made XXXX consecutive payments of principal and interest. I have been paying back this loan on time with no late or missed payments for more than 2 years. Prior to XX/XX/XXXX i was making payments directly to Chase, but after XX/XX/XXXX, the loan began to get serviced by XXXX XXXX XXXX. I pulled my bank statements to show Chase that from XX/XX/XXXX to XX/XX/XXXX, I had made the XXXX consecutive payments, they claimed I had not made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received a report of fraudulent activity on my PayPal account on XX/XX/18 that someone had requested {$500.00} and if I did not cancel it would come out today. I canceled the request and called the number provided by PayPal for fraudulent activity. XXXX. 

The non-US person stated that he would cancel the request. I informed that I had already canceled and that I was reporting the user that requested. He hung up on me. 

I called back 2 times and he continued to hang up on me. 

The last time someone else answered that he would take care of my cancel request to which I informed that I would be reporting the establishment for taking place in fraudulent activity. BUYER BEWARE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I previously opened complaint # XXXX, but it has not yet been resolved. In Aidvantage 's response, they write : " Typically refunds from the U.S. Department of Treasury can take up to 4-6 weeks. In reviewing your call into our office on XX/XX/2022, we confirmed the agent did advise the refund amount of {$15000.00} as well as the correct time frame of receiving the refund would be 4-6 weeks '' It has now been 7 weeks since I requested for a refund of my balance of {$15000.00} per the CARES Act, yet a ) my balance in Aidvantage and XXXX has not yet been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I am in XXXX XXXX XXXX and not sure how this happened. I am known to pay my bills on time.

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 2022-10-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 s-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 response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/2020, I submitted letters for inaccurate accounts on my credit report. I feel these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and XXXX XXXX XXXX  because to my knowledge I do not recall any of these accounts. I need this problem corrected immediately, I will not wait another 50 days to receive no response from only to have to ignore my dispute. I demand that these accounts be deleted from my report immediately or I will file for litigation due to the stress and financial strain this process has caused me and my family. Section 611 ( a ), it clearly states that a failure to investigate these items within 30 days gives reason for immediate remove those items from my credit report promptly.

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 2022-10-18
Company: OLIPHANT FINANCIAL, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Oliphant Financial of XXXX, GA has been trying to collect a so called debt. 
In XXXX of XXXX I was sent a letter of this debt. I requested a debt validation letter. 
I then sent a letter disputing their findings. I never heard back from them. 

In XXXX of XXXX I then received a letter from XXXX XXXX XXXX of Ohio. 
A debt collector hired by Oliphant Financial. Again I ask for a debt validation letter. I then also disputed their findings. I never heard back from them. 

Now in XXXX of XXXX I received a letter from XXXX XXXX XXXX a debt collector from XXXX Ohio also hired by Oplihant financial. I now going through the same thing again. 

This is clear to me that this is now XXXX and XXXX. They dropped it twice do to lack of evidence. 

Also these so called debts are passed the statue of limitations In Indiana.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Monterey Financial Services LLC
State: NM
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:
According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected.

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable.

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 


Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. 

I Request You to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide us with the details of the system adopted by your organization to determine whether the transaction took place or not. 

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand to do the following : DELETE EACH ACCOUNT LISTED IN THIS COMPLAINT OFF MY REPORT AS WELL AS ANY FRAUD INQUIRY THAT OCCURED THROUGH THE IDENTITY THEFT. 
MAIL ME MY RESULTS BACK TO THE ADDRESS ATTACHED ON MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Bread Financial Holdings, Inc.
State: CT
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:
Comenity Bank has not reported correctly since XXXX. For 4 months nothing was updated. Numerous online messages and complaints were sent in. They have done nothing but have an excuse of a new website. Then all of a sudden, about 6 weeks ago, they decided to report a random amount in the middle of a statement cycle. Thus my credit lost XXXX  points because of this. They refuse to fix or acknowledge they reported this random amount when indeed my balance was and has been XXXX every statement cut-off. I pay this card in full monthly and have for years. Right now, for XXXX weeks they are showing a balance of over XXXX. Now today, they are showing XXXX and my payment isn't even due till the XXXX. They reported a random amount again today, XX/XX/22 I want my correct amount fixed and reported and for this never to stress me out again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/202XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am going to upload a XXXX page letter I sent to XXXX XXXX, who represents Ditech, my lender, and they have announced foreclosure auction on XX/XX/XXXX!!!!! Need Division of Banks to call Ditech at XXXX IMMEDIATELY to ask for a 60 day postponement of the sale, since it is now 7 business days before the Auction. 
Ditech address is XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX Account number is XXXX my address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and my email is XXXXXXXXXXXX, my phone is XXXX or XXXX. 
I need to know RIGHT AWAY if Ditech will agree, I faxed them a complete copy of my letter and XXXX documents to XXXX XXXX, their lawyer, on XXXX/XXXX/XXXX at XXXX XXXX. 

I had a predatory loan through XXXX that I believe is INVALID XXXX does NOT own both the Note and Mortgage, as Ditech says, and can not therefore foreclose The notice of default is defective, sent by Ditech rather than the XXXX Order of Notice under Servicemembers Act is over one year old XXXX, through Green Tree, has waited more than 5 years to foreclose since our last paym, ent XX/XX/XXXX I want a Temporary Restraining Order for 60 days so I can further investigate the unfair and deceptive practices of all lenders, banks and attorneys. Please see XXXX documents. 

XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been in contact with Transunion , LLC since XXXX 2016, to notify them of fraudulent activity on my credit file. I have sent them copies of certified return receipt letters that were all signed for to several creditors, as proof. I have also allowed each creditor well over 120 days to provide me proof that these accounts and inquires that were in question by me were truly mine, however, the remaining ones that are on file are still there, after they have failed to provide me proof or even respond within the allowable 30 days, when I have allowed 120 days for a response!!!!. I have sent XXXX in the Specialty Priority Department at Transunion the police reports of where XXXX of my homes got broken into and my vehicle all on different days as she requested in XXXX of 2016. She informed me that she would then correct my file through other procedures that they had in place at Transunion after receiving the police reports from showing the break-ins. I have called Transunion repeatedly for two weeks now to check the status and they keep transferring to different departments saying that XXXX never uploaded the documents and that there is nothing they could do at this time. XXXX representative went as far as to tell me, that I sent them to the wrong fax number. I told the representataive that the fax number I had came straight from XXXX in the Specialty Priority Department and I verified the fax number she gave me several times to make sure it was correct. However, the representative XXXX XXXX said the correct fax number should be XXXX instead of XXXX. I asking for the Bureau of Consumer Financial Protection, to enforce Transunion to correct my credit file immediately, deleting the fraudulent accounts off of my credit file along with the inquires listed on my credit file, which I never gave authorization for as reported on my credit file. The accounts that are fraudulent are : XXXX XXXX needs to be removed and any collection account activity, XXXX needs to be removed and any collection account activity, all XXXX inquires needs to be removed as listed on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-06
Company: Experian Information Solutions Inc.
State: MI
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 Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that 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 2022-10-18
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried to do modification 5 times with this property the 4th time they declined my modification because the signature was not all on the same line. Every time I went to have it notarized I called Mr. Cooper and asked them how to sign it.. They declined my last signature 2nd 2nd to it not being all on the same line. They told me to re apply I am in the process of doing that and every time I submit information they find something wrong with it.. They tell me that it's OK and then A-day or 2 later things are not OK I am struggling with this company this company and I'm very frustrated as to why they are turning everything of in everything around and making it difficult for me to do this process I feel I need some help in dealing with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX 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