BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2022-11-03
Company: Experian Information Solutions Inc.
State: NJ
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 violated my federally protected consumer rights to privacy and confidentiality USC 1681 Account : XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXX # XXXX has violated my rights. 

15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 Section 602 A It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2019-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The investigation did not fix problem

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
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:
Equifax XXXX and XXXX. All theses. Inquiries on my report where disputed their investigation all these inquiries where due to fraudulent activity ive they still wont these items off my report or give me any proof that its me. Being to lazy to truly investigate this problem XXXX XXXX XXXX  Unlocked : Access granted XX/XX/23 XXXX XXXX  ... XX/XX/23 XXXX : Access granted TEXAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX granted CONSUMER XXXX XXXX Unlocked : Access granted XX/XX/23 XXXX XXXX XXXX Inquiry XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Navient Solutions, LLC.
State: WI
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:
My student loans have been through Navient for a while now. I have 2 loans, one is from subsidized and one is from unsubsidized monies from school. 

balances, each at 6.750 % interest : loan 1 = {$5000.00} ( is pay off amount ) loan 2 = {$6200.00} Yesterday I went online and clicked payoff for loan # 1. I then made sure in the screen that allows you to direct your payment allocation that the full {$5000.00} is being applied to that one loan. So the full loan ( number 1 ) is paid in full. So now I should only have that one remaining loan to pay, with one interest rate. 

I go online today to make sure everything is processed correctly since the email just states my payment was applied. No, it was not. So the history on my account shows that I applied the full amount to one loan. BUT now  they have taken the remaining {$6200.00} loan and split it into two loans again ... each having their own interest rate again! 

So now online it says I have ( both with 6.750 % interest again ) : loan 1 = {$2800.00} loan 2 = {$3400.00} This is wrong!! So I called and the representative said I applied the payment to both loans. No ... even online, while looking right at it while on the phone with him, it shows I applied it all to ONE LOAN. So I proved him wrong there. So I said, so on my online view and the front end everything was applied right and now you guys split the remaining balance in two loans again? SO you're wrong on the back end somehow that does not show on my account? He kept wanting to argue that I applied it wrong when i didn't. I asked how they are allowed to split a remaining balance into two loans ... or even yet ... would they then split it into three loans if they want to? I want to also be repaid for the interest being charged on two loans when I only have ONE remaining. 

So he said he was going to submit the request to have it put back to one loan and I will have to check in 5-7 days if this is fixed. My question is, shouldn't this be seen as illegal somehow? How can they turn one loan into two and apply interest to both like that? How many people do they do this to that don't even realize it and are paying more in interest than they should be? Now I wonder if any of my payments were applied correctly in the past as well?! I have always paid on time ( for 12 years now on time! ) and for the last handful of years I have been making double payments. This now makes me very nervous to think I have paid more than I was suppose to and they have somehow applied it differently on the back end to where people can't see it when they log into their accounts. Very skeptical on this now and think something should be done about it. It hasn't been the 5-7 days for them to fix it yet ... but I just have a bad feeling this is not going to be remedied correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Block, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My payroll check was never intended to go to my cashapp account, someone changed my direct deposit and had my check coming to a cashapp account that isn't mine the account number is : XXXX ( mines is XXXX ) Deposit Date : XXXX XXXX Deposit amount : {$1800.00}. I spoke with several representatives through cashapp and was hung up on, told to go through email that doesn't get a response, and then spoke with a representative that said I could email him then he directed me to a dead end. This had been going on for almost 2 weeks. Instead of sending my check back because the account isn't mine or in my name, they don't want to be accountable for having to pay for someone using the money once they noticed the check name and amount didn't match.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: Grain Technology, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
i opened this grain account and i havent been able to access the app AT ALL. customer service is Non-Existent and they take monthly payments out of my checking account i literally Dont have the option of making manual payments. i cant even see my current balance when you go to their app it says your bank is already connected and shows a loading screen ive waited 15 minutes, deleted and reinstalled app, erased cookies etc. the app is not allowing me to view my credit card info like my balance interest etc yet they continue to take monthly payments with interest im beginning to think this is a scam please help! ive emailed and called several times with no response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had lost my card, I received a call from the bank fraud stating " Did I know that there was activity happening on my account. '' I told them no I didn't know and I looked on my account and seen unauthorized transactions and realized I had lost my card at this point. I was told I had to go into the branch to file a dispute. I filed a dispute for the transactions and they told me they would do an investigation so I waited. I received a letter in the mail stating that they conducted there investigation and there was insufficient evidence to support the fraud claim so they closed the case and DID NOT CREDIT my account back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: OH
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 have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2020-05-19
Company: Nelnet, Inc.
State: CO
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:
The company is Great Lakes. I did not see an XXXX payment post, and just now noticed while doing budgeting. I logged in to my Great Lakes account and they put my loans in forbearance without my knowledge or consent! This is not the first time they have done things like this. Great Lakes needs to be thoroughly investigated and shut down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023, a fraudulent transaction was posted to my account that caused my account to go negative. I reported the charge as fraudulent the same day. After reporting the charge as fraudulent, Chase informed me that a temporary credit would not be applied to my account for 10 days. I literally have no money until the temporary credit is applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2022 I contated Experian about identity theft and unfamiliar information that was on my credit, under another account. I also brought to Experian attention of the inquiries, background checks, credit reports, credit cards, addresses, and a second account that was created in my name. I asked to dispute everything that was incorrect on my account. I was also paying monthly for Experian XXXX to keep my information secured. I mentioned my name being used for a second account and Experian customer service wasn't able to find that information. I'm trying to get an identity theft investigation in process but my attacker has all my passwords, email addresses, phone number and thanks to Experian, i was able to find out that my attacker has been using my information for 2 years. I don't know if someone has already filed a complaint under my name because every time I try to file a complaint it ends up disappearing and i have to start all over. My name is XXXX XXXX and I'm desperate for help on stopping whoever it is using my information. I also have a XXXX XXXX XXXX son who's information also has been affected by id theft. I don't know what to do or who to turn to. I'm working alone so far to find out everything i can. After contacting Experian I haven't heard back from them as of XX/XX/2022. The pictures below are just some of the things I was told by Experian that was not on my credit but it actually was.

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 2021-07-27
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX XXXX  is reporting erroneously on my credit file. I had an account with them that was included in my Bankruptcy that was discharged. They are still currently updating on my credit file and that is against the Bankruptcy Stay. I need this account to be removed from my credit file. It is erroneous and has been consistently dropping my credit score.

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 2021-07-27
Company: APPLE RECOVERY SERVICES CORP
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a notice from XXXX XXXX XXXXXXXX that I never heard of ... It says Apple ID It says the account # is XXXX .... {$10000.00}. I have never had this account ... .. Apple Recovery Services , XXXX  XXXX, XXXX XXXX , IL XXXX is who sent me the notice ... It is not even a correct address..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: MIDFIRST BANK
State: IN
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:
It has been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to late payments. They have not supplied this information and they must delete the alleged late payments on my credit report. Under Federal Law they had 30 days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible.

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 2021-07-27
Company: EQUIFAX, INC.
State: GA
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/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Fidelity National Information Services, Inc. (FNIS)
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: Personal information incorrect

Complaint:
Chex Systems, Please see attached complaint - you have inaccurate personal information on my report that needs to be corrected as soon as possible.

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 2021-07-21
Company: EQUIFAX, INC.
State: GA
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:
Since XX/XX/2021, I have been trying to get the personal consumer statement on my personal credit file removed. I have spoken with several Equifax representatives who state it would be removed in 30 days but, the consumer statement still remains. I just recently spoke with the representative by the name of XXXX, and he stated that I needed to submit my documentation once again. Besides speaking with multiple representatives, I have sent letters, one certified, with my documentation and still no results. I have called XXXX  and XXXX  and they were able to remove the personal consumer statement over the phone right then with no issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 15 USC 1681. 

Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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. 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 2023-03-22
Company: EQUIFAX, INC.
State: NC
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 have asked for verification documents including the original signed contract agreement, the dates the account was opened/closed, and the total amount due including interest/ fees. Also In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX  Accounts # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states I have the right to privacy.

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

Company response to consumer: Closed with explanation