BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute a debt collection account that is appearing on my credit report. Under the Federal Fair Credit Reporting Act ( FCRA ), it is required that all information on a credit report be accurate, complete, and verifiable. However, the debt collection account in question has not been verified, and I believe that it is inaccurate and incomplete. 

According to the FCRA, debt collections can only remain on my credit report for up to 7 years from the date of the original delinquency. In this case, the debt collection is beyond the allowed time frame and should be removed from my credit report immediately. 

I request that you investigate and remove this account from my credit report as soon as possible, in accordance with the FCRA. Additionally, I request that you provide me with an updated copy of my credit report once this error has been corrected. 

Thank you for your attentiontothismatter.

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 2021-09-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I recently applied for a home and my lender tried pulling my credit with all three of the bureaus they successfully pulled from XXXX and XXXX but Equifax will not release my report. Today is the last chance to pull it or they will have to not go through with the closing. we have tried multiple times pulling my report. We have also called Equifax and they say nothing is wrong but still won't let my lender pull my report. My lender is XXXX with XXXX XXXX  please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: EQUIFAX, INC.
State: NC
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:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: SC
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX ( XXXX ) - ( XXXX ) XXXX Blank/Missing ( XXXX ) - ( XXXX ) XXXX Blank/Missing ( XXXX ) - ( XXXX ) XXXX Blank/Missing ( XXXX ) - ( XXXX ) XXXX Blank/Missing ( XXXX ) - ( XXXX ) XXXX Blank/Missing ( XXXX ) - ( XXXX ) XXXX Blank/Missing ( XXXX ) - ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Recently in doing some research on the student loans in my name that are being serviced by Fed Loan Servicing. I learned that the loans are for a school by the name of XXXX University  XXXX. I never signed an enrollment agreement with XXXX University  XXXX nor did I ever sign or agree to become a former student of XXXX University. This seems like fraud to me. I do not wish to be associated with XXXX University and I never agreed to it. I do not understand how this is possible and how this legally has taken place. I do not understand why there are student loans listed under XXXX University in my name. I never agreed to this. I am requesting XXXX University XXXX to provide information stating that I agreed to be associated as a former or current student with this school. Before today I had no knowledge of any of this. I am requesting documentation with signatures that Fed Loan Servicing has the right to pursue loan payment from me for the school XXXX University XXXX. I do not wish to be affiliated with XXXX University XXXX. I never agreed to any enrollment or loans with XXXX University. Therefore Fed Loan Servicing must substantiate seeking loans associated with XXXX from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2020-08-06
Company: EQUIFAX, INC.
State: FL
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've contacted Equifax and XXXX regarding removing the information from my credit report. I've provided proof and information and still no correction. I've received notice from the creditor that the XXXX  XXXX Account that has listed as XXXX and XXXX as being 30 and 60 days late in the history is to be removed from my credit report, XXXX Florida that is reporting a 30 day late history for XXXX is to be removed and XXXX XXXX that is reporting late for XXXX in the history to be removed. 

I have attached documentation from each creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: AES/PHEAA
State: DC
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:
I applied for PSLF in XX/XX/2016. I've been making payments since XX/XX/2016, but recently found that none of my payments have been counting towards my 120 qualifying payments. At this point I have made 26 payments, and more than that none of the principal is being paid down so if PSLF is overturned then I am actually paying more and it has been 6 years since I graduated with my XXXX. I called multiple times and re-submitted several forms even though it's clear that I worked at an employer they won't certify it or count my payments. My problem is with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a let out on XX/XX/XXXX to Transunion, and XXXX. .Here are my tracking numbers : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX I have also previously submitted a complaint for the account via CFPB XXXX XXXX However, the credit bureaus said the completed investigation, and everything was accurate. 

The account in question is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 

The term " investigative consumer report '' or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a credit of the consumer or from the consumer. 

I would like to know who they talked to? How did they complete this investigation? 

Also, I have attached a copy of the last reported bill from the original creditor which does not have the same information as what is reported on my credit reports.

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 2023-02-17
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Approx. XX/XX/2017, after reviewing the charges on my credit card, I became aware that I had been the victim of identity theft. I promptly notified Bank of America, reported the identity theft to the credit bureau and filed a police report. Despite timely notice, Bank of America continued to allow charges from foreign countries to accrue, despite the fact that I never visited these countries. The total amount Bank of America allowed to accrue is over {$600000.00}, despite the {$3700.00} credit limit and the timely notice of disputed charges. I had to hire an XXXX XXXX XXXX XXXX letters to Bank of America and despite the certified mailing being signed for, Bank of America stated it was received or was sent to the wrong dept. After resending the letter to the correct address provided by Bank of America, they stated the same thing after signing for the certified mail sent to the addresses they provided. I have personally physically went into the branch and filed a complaint to no avail. I was unable to purchase a new home because of the adverse reporting of Bank of America on my credit report.

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 2021-10-25
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I requested an international wire transfer with Wells Fargo, on XX/XX/XXXX for XXXX. On XXXX XXXX, Sunday, the day I found out I was scammed, I called Wells Fargo, explained to the representative A that I was scammed XXXX. The representative XXXX  told me there is nothing she could do over the phone that I would need to go to a local branch to stop the transaction. Then, I tried to make an appointment over the phone for that Monday ; however, they were all full that day and the earliest appointment was XX/XX/XXXX. I went to the local bank on XX/XX/XXXX, where I did the wire transfer with representative XXXX on XX/XX/XXXX, explained to him that I had been scammed and want to do a reverse transaction or do a charge back. The representative XXXX wrote down my phone number and said he will call me back for an appointment. I am upset because the representative XXXX didnt take the matter urgently. He didnt seem to care or concern that XXXX may be withdrawn by the recipient. He said he will call me back to schedule an appointment and we will handle it. When doing a swift recall it is time of the essence. The representative XXXX should have reach out to his coworker to help me with the circumstances despite his appointment with another client. Instead, he reach out to representative XXXX on XX/XX/XXXX to help me with the matter since I have an appointment. Although international wire transfer takes up to 3 business days to complete, I believe there was still a chance to stop the swift recall. Instead, the recall was initiated on the day I made an appointment on XXXX, XXXX. The swift recall could have initiated 24 hours sooner. Because such a large amount of money was wired out, XXXX, the representative XXXX should have take the matter seriously especially knowingly that was a scam wired transfer. Since it hasnt been more than 3 business days since the wire transfer, the swift recall could have been initiated that Tuesday and potentially that XXXX would not have been withdrawal by the recipient. Thank you.

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 2020-08-06
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
1. I was seeking a refund to which I was entitled based on the service not being rendered due to COVID from a merchant ( XXXX XXXX ) for {$1600.00}, with a transaction date of XX/XX/XXXX. 
2. The merchant was unresponsive to my request on XX/XX/XXXX, so I proceeded to open a dispute for the charge on my credit card. 
3. Upon learning of the dispute, the merchant responded to me saying they would issue a refund. Chase directed me to withdraw my dispute and that its better to work with the merchant if theyre willing to issue a refund. I proceeded to withdraw the dispute. 
4. The merchant later claimed that the dispute remained on their account. Following Chases subsequent instructions, I was directed me to re-open it via sending a Fax letter, and was told the credit would show up on my account within 2-3 weeks. 
5. I called in later and found out that the time had passed to re-open the dispute, and I was no longer eligible for a credit. The bank apologized and said they believe they can re-open it and I should receive a confirmation within 7 days. 
6. I never received a confirmation. I called Chase back and a manager claimed that too much time has passed, and the funds can not be recovered. 

The negligence of Chase both in instructing me to cancel my dispute, and later instructing me that theyd simply be able to issue a credit if I faxed them a letter, caused significant financial damages to me personally, and my recourses are exhausted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: Experian Information Solutions Inc.
State: MA
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 was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable 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 non-monetary relief
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-03-03
Company: Experian Information Solutions 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:
I am contesting any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I have given you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I have not received any proof of the verification of these accounts. Please delete immediately.

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 2023-05-26
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX  Original creditor : XXXX XXXX XXXX  XXXX XXXX details 0 % paid off Balance {$1100.00} Balance updated XX/XX/2023 Original balance {$1100.00} Account info Account number XXXX Date opened XX/XX/2023 Account type Open account Status - Status updated XX/XX/2023 Payment summary Contact info Name XXXX XXXX  XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX No payment history available to display. 
THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT

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 2022-12-19
Company: Experian Information Solutions Inc.
State: SC
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:
After several attempts of getting the credit reporting agency to do what's LAWFULLY correct as far as my credit reporting account. They have failed to delete the account. Investigation was not properly done. They pushed back with letters for me to reach out to the furnisher. I made an attempt again a month now as of today and no response. Not only did they not remove the times from my account ; they did not pay me per violation since they refuse to rectify this. Per the FCRA I noticed the credit reporting agency violated these laws as well : 15 U.S. Code 1681i section 602a- I have the right to privacy ( I did not give permission to anyone to place anything on my account 15 U.S. Code 1681i section 604a- I must provide written consent for any accounts. ( The credit reporting agencies as of today has NOT gave me a copy of my consent to do so. ) 15 USC 1681 ( a ) ( 4 ) - Violation 15 USC 1681a. ( e ) - Violation 15 USC 1681b. ( a ) ( 2 ) - Violation 15 USC 1681i. ( 5 ) ( A ) ( i ) - Violation 15 USC 1681a. ( 3 ) Medical information restriction guidelines, which has been violated. 15 USC 1681a. ( c ) 6. A States that I may seek compensation for violation damages. ( I will like to be compensated for these violations immediately or the removal of the accounts.

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 2022-03-31
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
BB & T, now Truist bank, has financed a loan for a vehicle in which has been deemed a total loss. The insurance company and I have been trying to obtain a guarantee of title to settle this claim, payoff the debt, and allow me the freedom to obtain another vehicle. This has been ongoing since XX/XX/2022. Neither of us have been successful. All of our phone calls, after extended holding periods of over 45 minutes, are unanswered, transfered, or disconnected. The insurance company and I have sent emails and fax as well as left multiple voicemails about this subject and all have been followed by no returned communication. It is now XX/XX/2022 and we have not had 1 form of communication. I also went into the XXXX XXXX branch in person and sat with a banker for 45 minutes as he was on hold with their internal services number. He was unsuccessful as well. I need this matter resolved 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