BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Dear T   rans Union, This is the 6th letter Im writing about incorrect information on my credit report. I checked my Trans Union Report on XX/XX/XXXX  and the item in question was deleted on  X/X/17  to be added again on a later date. This same item was then deleted again on  X/XX/17  and added again on  X/XX/17 . The item in question has been deleted from   XXXX    and  XXXX  and never added again. ( See item in question below ).
-  XXXX   XXXX   XXXX   : Loan #   XXXX    XX/XX/XXXX  Payment For the Home address listed on the letter above.
I have attached a copy of the disputed letter results sent to me by your company on   XXXX   The payment was made along with future payments, I would like to get the 30-day late payment removed, since the payment was made. I signed up for electronic communication when this account was opened and opted out of paper communication per   XXXX   XXXX   suggestions. I should have received my monthly reminders as I had in the past, but that did not take place and was confirmed by   XXXX   XXXX  . I also did not receive any phone calls from   XXXX   XXXX   in regards to this situation.
Please delete this misleading information, and supply me with a corrected credit report within 30 days. You have left me with no choice, I have filed a report with the Consumer Financial Protection Bureau on  X/XX/17 .
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Upstart Holdings, Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 Upstart XXXX ran my credit report without my consent. They allowed an individual, other than myself, without verification, to run my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA violations : accounts not mine XXXX/XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$22000.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1800.00} Status Collection account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts are not mine. Please check and investigate the origins of these accounts. I do not recognize them at all but I am tired of this situation. Why does it take so much time to do something towards my situation? Its not fair at all that I have fake accounts in my own profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have tried again and again to try to get help with my student loans. I have been told over and over that forbearance is my only option while I work out how to handle the loan after the XXXX of my father and have taken that route to avoid further damage to my credit for years. I have attempted to speak to the debt collectors when they call and have been yelled at even when trying to explain the situation and that I need help in order to resolve the problem. If I could pay half of my loan off on the call, I would have paid my payments on time. I still have yet to have an explanation as to why, after the XXXX of my father who is on my loan, I ca n't refinance it in my name or why it wo n't go away completely. I am beyond the point of catching up and this business does n't seem to want to help me do that as long as my loan keeps collecting the ridiculous interest rate put on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ). I have previously asked all three ( 3 ) credit bureaus : Experian, XXXX and XXXX to disclose how they have verified the bankruptcy information that is being reported on my credit report. I have asked that the following information be provided with the proof of verification : Method of Verification If the listing gets verified and remains you have the right to request the credit reporting agencies method of verification. Request the credit reporting agencies send you the following : ( a ) The name of the courthouse ; ( b ) the persons name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute. II ) To date I have yet to receive the requested information. I have been told that pursuant to the Bureau 's investigation, that the reported information is correct. III ) FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of re-investigation states in pertinent part, " if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available IV ) Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. V ) Pursuant to FCRA, Section 611, the Bankruptcy Court is the furnisher of information, and not a third party source such as PACER or LEXIS NEXIS. VI ) None of the Bureau 's have provided evidence that they have conducted a direct investigation with the Bankruptcy Court.
VII ) Furthermore, in XXXX XXXX, I III ) In XXXX XXXX, I confirmed with Bankruptcy Court listed below that it does not directly report to the credit bureaus. This would explain the inability of any of the Consumer Reporting Bureaus in providing the requested information. U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX VIII ) For the reasons provided above, the credit reporting agencies are in violation of FCRA, Section 611. In conclusion, the reported Bankruptcy information should be deleted.

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 2022-07-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA violations : accounts not mine XXXX/XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$22000.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1800.00} Status Collection account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Consolidated Information Services Solutions, LLC
State: WA
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 have two credit inquiries I did not consent to on XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
National Credit Systems , Inc. of N.C. 
XXXX XXXX XXXX System XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX To : The Office of Registered Agent for National Credit Systems , Inc. of N.C. 

From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX XXXX will forthwith and return transmit your written evidences of your delegated authority to represent '' that you and XXXX XXXX XXXXXXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

National Credit Systems , Inc. of N.C., has invaded my individual privacy under 15 U.SA 1692 A.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair Practices By : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
OnXX/XX/XXXX Delivery Certified Mail Tracking # XXXX was signed by a Kohl 's representative and as of today XX/XX/XXXX ( 31 days ) they have failed to mark my credit report as being disputed which is a validation of federal and state laws AND they also failed to send me any information regarding this matter. See attached for proof of certified letter as well as my credit report pulled on day 31.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Southern Management Systems Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The XXXX XXXX, Apartment company, has submitted a debt collection for a balance which was not involving my signature and consent. The balance was stated as {$1500.00} as a settlement. 

I have never looked around any of their apartments at all, nor have I lived/stayed for 1 minute at one of the apartments. I have never been assigned a room for the apartment and have not even received a key for any apartment, so I also have not seen the apartment number. 

The debt has been opened by the apartment company without my consent since XX/XX/XXXX and then they transferred the debt to the collection agency in XX/XX/XXXX, right after its name changed to The XXXX XXXX. This debt has been posted on my credit record since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Back on XX/XX/22 I received a grant from XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/22 that agency sent 1 of 4 payments of {$1100.00} to NewRez Mortgage company. Until Today XX/XX/22 the mortgage company can't locate the payment. The agency confirmed that they have wired the payment on XX/XX/22 and it was not returned. I contacted both the agency and the mortgage company many times to find out what happened and until today the issue remains unresolved. If the agency has proof of payment I demand that the mortgage company to apply the payment to my account.

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 2022-02-03
Company: Nelnet, Inc.
State: CA
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:
DEPT OF EDUCATION/NELN 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. ( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
Company: FIRST CONTINENTAL MORTGAGE LTD
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
On VA Lender last response on XX/XX/XXXX through CFPB portal it stated that VA Loan modification was completed on XX/XX/XXXX and it was with the lender underwriter investors for review.
Is going over 60 days and I have n't receive the VA Loan modification Approval in making my mortgage affordable.
I like to receive the VA Loan modification documents immediately by XXXX XXXX so I can review, and sign and sent back by XXXX XXXX.
Also make the affordable VA Loan Mortgage starting XX/XX/XXXX.
I am XXXX XXXX and Retired.
Very Urgent Matters!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Early Warning Services, LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was attempting to sell an item on XXXX XXXX, and was contacted by a buyer ( XXXX XXXX ) on XXXX XXXX on XX/XX/XXXX. He said that he tried to send me money through Zelle, but that I had to update my account to a business account to continue with the transaction. I would have to send him {$100.00} to do so, and I did this through Zelle. I got a message saying that " I have a pending payment of {$220.00} USD. We should be crediting your account now but we noticed the account has been limited and not a business account so it can't be credited so we need you to contact the buyer to send in the amount of {$200.00} USD to your Zelle account so it can be changed to a business account be credited immediately with $ XXXX into your account. '' I sent him another {$200.00} through Zelle. The email he used for Zelle was XXXX and the alias used was XXXX XXXX. The " buyer '' asked for screenshots of my transactions. He also repeatedly tried to call me using XXXX XXXX. I did not answer these calls, as I was at work. 

I blocked the seller from sending any further messages. 

I called XXXX that day ( XX/XX/XXXX ) to report the scam. They told me they could not do anything until the money was actually deducted from my account. I called back on XX/XX/XXXX, after the money had left my account, and formally filed a dispute. 

I also filed a police report with the XXXX XXXX Police Department, and a complaint with the FBI Internet Crime Complaint Center. 

I received a letter from XXXX, dated XX/XX/XXXX saying that my dispute has been denied. 

I believe I am protected by the Electronic Fund Transfer Act. In XX/XX/XXXX, the Consumer Financial Protection Bureau clarified its position on banks ' required compliance with the Electronic Fund Transfer Act of XX/XX/XXXX, also known as Regulation E. The CFPB says that " if a third party fraudulently induces a consumer into sharing account access information, '' that consumer should receive the same protections as if the money were acquired from a stolen debit card or other banking " access device. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
Company: CURO Intermediate Holdings
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
On XX/XX/XXXX I went in to try to show proof that I paid there and they took automatic transactions off my card I talked to the manager and a manager claimed that they fix my stuff today corporate office but they did not and now I 'm a point informations flown out here I 'll call the police and file a complaint the police and the police told me to get it towed the car off of XXXX and give me a proud all my history are the account but they did not do that but they said to outside collect the agency on XX/XX/XXXXfrom this credit place called XXXX XXXX XXXX XXXX XXXX. And now they 're trying to say that they seem another paper talking about that the account is in dispute or. Do not contact study. The ongoing complaint and I 'm poor identity theft because I have n't went into my mother died XX/XX/XXXX and the problem started from XX/XX/XXXX to XX/XX/XXXX and when I tried to talk to that manager explain the head manager to try to explain it they did n't you talk to the other manager because other matters are messed up and it discrimination towards me and I want this company vestigate it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSWORLD SYSTEMS INC
State: NM
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:
Numerous attempts made to correct credit report has failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: U.S. BANCORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
US Bank wrongfully denying loan modification application. Submitted five completed applications. Each application accepted and verified as complete, then rejected as incomplete. Multiple requests for documents already in their possession. Each request fulfilled immediately by consumer. Bank admitted to wrongfully rejecting completed application but refuses corrective action. From the viewpoint of the consumer, banks actions appear incompetent at best.

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 2022-07-06
Company: EQUIFAX, INC.
State: GA
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:
Unauthorized inquiries by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: SC
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:
Investigation has taken more than 30 days FDCPA SECTION 807 VIOLATION Please remove this inaccurate information on my credit report Account involved in litigation " inaccurate reporting '' an inaccurate reporting of a PAID OFF ACCOUNT " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' a COMPLETELY PAID OFF account REPEATEDLY LISTED AS CHARGED OFF EVERY MONTH continues to re-age my accounts and reflects negatively on my report. 

XXXX  ACCOUNT NUMBER : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. As previously stated, before this account is involved in litigation. According To The FDCPA SECTION 807 VIOLATION you are reporting Misleading false 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 explanation
Consumer complaint received 2017-08-20
Company: CITIBANK, N.A.
State: TX
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:
CITI BANK CLAIMS THAT I WAS LATE MAKING A PAYMENT FOR THE MONTH OF XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX OF 2017 IN REF TO ACCOUNT # XXXX. THIS IS FALSE! I HAVE ATTACHED COPIES OF CHECKS THAT HAVE CLEARED MY BANK, WHICH PROVES MY PAYMENTS WERE DELIVERED ON TIME. I ALSO HAVE PROOF THAT I MADE MAY PAYMENT ONLINE AND ON TIME!
CITI BANK HAS REFUSED TO MAKE THE NECESSARY CHANGES AND CFPB HAVE SAT BACK AND ALLOWED THEM TO DO WHATEVER THEY WANT. I SUBMITTED A COMPLAINT TO CFPB WITH PROPER DOCUMENTATION AND CFPB DID NOT TAKE ANY ACTION ON BEHALF OF ME, THE CONSUMER, BUT STAYED MUTUAL AND REFUSED TO STEP UP! I HAVE BEEN BATTLING CITI CARDS ON THIS FOR SEVERAL WEEKS AND I 'M PISSED AS YOU CAN TELL! I MAY HAVE BETTER RESULTS WITH THE BBB!

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