BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. I'D REALLY APPRECIATE IT IF YOU UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX BANK XXXX XXXX BANK 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 2022-02-10
Company: Experian Information Solutions Inc.
State: OH
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:
Experian adding fraudulent inaccurate information to my credit report. 

While reviewing several documents from experian I discovered my name being reported, posted, available and shared with other reporting agencies and credit monitoring programs. I only carry one single legal name which has never been changed. Experian has illegally added someone elses last name to my credit report and has it listed twice. This is absolutely NOT legal and Experian has no rights to address me in such a way calling me out of my legal name and sharing this false information. As a result of that an account belonging to someone else has been placed on my credit report with XXXX and because experian has been reporting and providing others with false information XXXX refuses to remove that account. 

Experian continues to fraudulently add and report false information, when I discover the inaccurate info and dispute it, experian retaliates by reporting MORE .... I've attached evidence as proof. 

Experian has reported an unknown fraudulent address 3 times, listing it as an " business '' Proof experian is allowing unknown and unauthorized persons access to my report. With this unknown address listed, puts my family and I in danger and at risk for harm. 
More fraud, My business name has somehow been added to the report but its VERY obvious it's intentionally and poorly spelled, misspelled with poor letter placement making it unrecognizable as a legal entity and could never prosper, never gain any type of business benefits such as credit, grants nor loans. 

Because I have rebuilt my credit and have A PERFECT 100 % on time payment history with a good credit mix and my profile isn't run by subprime and predatory lending accounts and loans, Experian continues with the fraudulent activity and went as far as fraudulently placing ID security fraud alert onto my credit reports!!! This is SICK and disgusting how these credit reporting agencies are allowed to sabotage consumers struggling during an gobal pandemic or at ANY time! 

Never once did I initiate fraud alert to be placed on my credit report. I AM REBUILDING after my bankruptcy Attorney, Attorney XXXX XXXX sold my XXXX XXXX discharged bankruptcy to bankruptcy debt buyers that buy only XXXX and XXXX cases ..... including the debt buyers in the case as a creditor, altering many accounts to appear different from the discharged accounts totally disregarding a federal court order, 5 years later discharged accounts active AND reporting and some STILL trying to collect on the debt! And I super HATE the fact CFPB arent really for the consumer. And definitely dont enforce laws, rights nor fairness.

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 2020-07-25
Company: MoneyLion Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Moneylion has reported a alleged collection to the credit buraus for a alleged debt that I do not owe or have any knowledge of as I have been the victim of identity theft. I have sent a letter for validation of this alleged debt and have not received a response. Moneylion is violation of the Fair Debt Reporting Laws and the Fair Debt collection Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have had this lease, 2022 XXXX XXXX, since XXXX of 2022. Every single month, I've to reset my PW to make my lease payment and this month, it isn't working. I've tried to talk to XXXX and they do not seem to care. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EdFinancial Services
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In light of the recent announcements about loan forgiveness up to {$10000.00}, I called EdFinancial to reinstate my loans that I paid off in XXXX of 2022. I asked for a refund of {$10000.00}, and I was told that they could not provide confirmation that this request was submitted and that the request would take over XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I went to XXXX XXXX XXXX in XXXX XXXX to purchase a car. I authorized for them and only them to run my credit. XXXX different companies have an inquiry for that same day. I have sent letters and disputes to have them removed. 

On XX/XX/XXXX I went to XXXX XXXX XXXX and authorized them to make an inquiry on my credit. My report shows inquiries on the same day to the following companies ; Car Buying Attempt : XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ( XXXX in one day ), XX/XX/XXXX XX/XX/XXXX ( again XXXX in one day ) and XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX ( XXXX in one day ) XX/XX/XXXX Car Buying Attempt : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX in one day ) Car Buying Attempt :XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX ( XXXX in one day ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX 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 2017-08-25
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT! XXXX XXXX XXXX RAISED ADDITIONAL QUESTIONS! XXXX XXXX XXXX stated in CFPB complaint # XXXX that First American responded to each of XXXX XXXX 's several complaints. The facts are : this complaint asked the following questions. Is n't it a fact that all original mortgage documents are suppose to be sent to the lender by XXXX, XXXX or USPS with tracking. I further asked ; is n't it a company policy of First American to maintain accurate records. Now ; per your written response date XX/XX/XXXX, you failed to answer all of our questions. 1st ; is First American aware of 18 U.S Code 1001,  false statement? Yes or No! 2nd ; is it safe to assume that when a company sends a title transmittal ( cover letter ) the letter will state in the transmittal letter every document that is being sent? Yes or No! 3rd ; did XXXX XXXX XXXX state in the title transmittal that First American enclosed the original Deed of Trust with the Policy of Title Insurance? Yes or NO! 4th ; is it safe to assume that since the original Deed of Trust was not mentioned in the Title Transmittal, the original Deed of Trust was never sent with the title transmittal? Yes or NO! 5th ; Is n't it a fact that all original mortgage documents are suppose to be sent to the lender by XXXX, XXXX or USPS with tracking. Yes or NO! 6th ; is n't it a company policy of First American to maintain accurate records. Yes or NO! 7th, where ( what location ) within the closing instructions reflect that the lender, XXXX XXXX XXXX stated to send the original Deed of Trust with the policy of Title Insurance as you stated in a previous CFPB complaint? Please answer our additional questions. Be informed that your answers provided will be used for court purposes!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Daniels Norelli Scully & Cecere, P.C.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Debt collecter removed, and caused to be removed ; monies from my bank account, under pretext of a levy which was not recorded or executed by the XXXX of XXXX XXXX ; XXXX XXXX in which I reside. Bank refused to provide me with copies of papers served on them, so I personally checked with the office of the XXXX of XXXX XXXX ; where I was assured that they have no record of any levy or execution upon any bank account owned by me. This is as of today XXXX XXXX, XXXX, the monies were removed on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX XXXX, this is my only name, and I am a natural person. I have sent out several letters to this debt collector to let them know that I am not responsible for this debt attached to Acct No XXXX. They have failed to validate the debt as required under 15 USC 1692g. Furthermore, they have inaccurately and inconsistently reported this debt to the credit bureaus, causing damage to my good name and reputation. They have used abusive, deceptive, and unfair debt collection practices. They have also presented false and misleading information on my report by reposting the debt with a higher amount after it was removed because they failed to validate the debt. Please see attached. 

They are informed of the violation of the following laws and of their civil liability under 15 U.S. Code 1692k - Civil liability Violation 1 : 15 U.S. Code 1692 ( e ) ( 2 ) ( A ) XX/XX/2022 - XXXX XXXX Violation 2 : 15 U.S. Code 1692 ( e ) ( 2 ) ( A ) - False or misleading representations XX/XX/2022 - amount increase {$1.00} XXXX Violation 3 : 15 U.S. Code 1692f - Unfair practices - XX/XX/2022 XXXX Violation 4 : 15 U.S. Code 1692f - Unfair practices - XX/XX/2022 XXXX Violation 5:15 U.S. Code 1692f - Unfair practices XXXX Emotional Distress XXXX 15 U.S. Code 1692c XXXX 15 U.S. Code 1692g XXXX Payment may be sent to the address on file. 


Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Early Warning Services, LLC
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a text that appeared to be from XXXX. It asked if I was attempting to transfer money via wire from my account. I responded no. A man called saying he was from XXXX. He called from a number that was on the back of my debit card. XXXX customer service number. He then used information to gain access to my account and trans {$3200.00} from my account. His name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: U.S. BANCORP
State: TN
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:
I received a identity theft affidavit from U S Bank Mortgage. I got it notarized and sent the packet to Customer Service Research -Fraud. Mail Location -XXXX. XXXX XXXX XXXX XXXX Kentucky XXXX. XXXX : XXXX XXXX - U S Bank Mortgage. I sent this on XX/XX/2017.

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 2017-03-30
Company: WELLS FARGO & COMPANY
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sent a certified letter on  XXXX   XXXX  asking  " WF PLL '' to provide ve rification about an inquiry showing up on my  XXXX  Credit report dated as  XXXX / XXXX / XXXX . The company does n't list a phone number on the report, but instead lists " By Mail Only '' so I assumed the address they are using is up to date and accurate as it is being reported on my credit report. Instead, I got an " Alert '' message from the    XXXX   tracking system sta ting " Your time was returned to the sender on    XXXX   XXXX   XXXX   at    XXXX   XXXX   in  XXXX , NM  XXXX  because the addressee was not known at the delivery address noted on the package. '' If the information being reported is inaccurate it is illegal for it to be reported. Please see that this company complies with the FCRA and either updates it 's information that is being reported to the credit agencies or remove the information all together if they ca n't provide accurate information.

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 monetary relief
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Dear Sir or Madam : I am writing to ask that you please remove the 30-day late payment report that Chase submitted due to a system ( Chase.com ) programming error showing incorrect figures on our HELOC account at the time our credit line converted from draw to repayment. 

My husband, and I have had this home equity line of credit ( originated with Chase ) for approximately 10 years. We have paid the monthly payment on or near the XXXX of the month, every month since we opened the account. 

In the beginning of XXXX we received written notification that our credit line would be converting from draw to repayment starting in XX/XX/XXXX. In mid XXXX XXXX, when I logged on to Chase.com to pay our bills that were due -- something that I have done twice a month for the last several years -- the Chase.com website showed that there was a payment of {$360.00} due on XXXX XXXX, XXXX. I understood this meant what it was displaying, that the next payment for the account was due on XXXX XXXX, not XXXX XXXX. When I logged on to Chase.com in mid-XX/XX/XXXX to pay the bills again, the website displayed this time that an amount of {$0.00} was due on XXXX XXXX, XXXX. I surmised that this must be due to our credit line converting, and as directed by your website, Chase.com, I did not pay the bill because it showed that an amount of {$0.00} was due on XXXX XXXX, XXXX. 

It was not until a collections representative from Chase called my husband on XXXX XXXX, XXXX asking when my husband would be making the XXXX payment that we realized that what your website had been reporting was indeed erroneous ( likely, a result of the account converting from draw to repayment ). We promptly paid the outstanding two months due to bring the account current. My husband explained the aforementioned to the collections representative from Chase, and she told my husband that she would wave the late fees and as long as the account was brought current in the next day -- which we did -- we would not be reported to the credit bureau. 

It was not until my husband was in the process of completing a mortgage loan refinance with Chase, shortly thereafter, that the mortgage broker representative from Chase notified him that we indeed had a 30-day late payment that had been reported to the three credit bureaus. My husbands credit rating had dropped below XXXX, and we were no longer eligible for the loan to refinance on the terms that my husband and the broker had previously discussed because of his adjusted credit score, and therefore ceased the loan refinance. 

This clearly was a mistake. We trusted that the Chase.com website listed accurate account information for the payment of our credit line, as it should and has for many years when we have made our our payments online, and therefore should not be penalized for a website programming error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
" XXXX - XXXX XXXX '' has been processing the payments from my bank exactly a day later, and have imposed over {$100.00} for late fee and interest charge for two consecutive months. I have been with XXXX over a decade and used bill payment function all the time. XXXX-XXXX XXXX says they received the payment 1 day later than the due date. I would like an investigation over their bill payment processing practice as I am convinced that I am just one of many consumers out there who are getting played by this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TD BANK Credit Card XXXX ending in XXXX XX/XX/XXXX Last payment made, {$0.00} XXXX XX/XX/XXXX letter received about an updated address XXXX XXXX XXXX XXXX, XXXX, GA XXXX. This was reported as FRAUD to TD Bank and that an update was not requested. 
Also requested to close the account. 

Credit Report was requested later in the year and a record from XX/XX/XXXX showed {$1400.00} is charged off in XX/XX/XXXX. 
Reported this to TD BANK as fraud and requested it be investigated and cleared asap. 

Emailed and spoke to reps again in XXXX bringing attention to this matter to be investigated and cleared. 

XX/XX/XXXX called and spoke to 20 different reps and departments so far. 
Need this investigated and cleared from records!!!!!! Its XXXX!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-02
Company: Netspend Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I deposited {$60.00} to my NetSpend account from another bank which is also mine. Netspend randomly and FOR NO REASON removed my access to this account and I can not login. XXXXThey asked me to send my license to them to prove my identity. I sent my drivers license and now they want my social security card and I am not sending it. I want access to MY ACCOUNT AND MY MONEY IN IT - ASAP '

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 2022-07-20
Company: Sequium Asset Solutions, LLC
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:
Account Number - XXXX Sequium, is in violation of multiple laws set by Congress under the FDCPA : 15 USC 1692 ( a ), 15 USC 1692b ( 2 ), 15 USC 1692b ( 4 ), 15 USC 1692b ( 5 ), 15 USC 1692c ( a ), 15 USC 1692c ( a ) ( 3 ), 15 USC 1692d ( 1 ), 15 USC 1692f ( 8 ), 15 USC 1692g ( b ) ; As the consumer I have a right to privacy and fairness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I disputed an issues with capital one credit. Close cases should be removed from my credit report do to a third party collection agency.

Company response to consumer: Closed with explanation