BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 recently received a letter from XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX. 

I sent information to you showing the loan was transferred to you from XXXX XXXX XXXX. My loan was with XXXX XX/XX/XXXX until XX/XX/XXXX when it was transferred to XXXX XXXX XXXX XXXX XXXX. 
The loan wasn't transferred from XXXX XXXX XXXX  as you've stated. 

I will send this information to you once again, payments made also. 

You can pull my wage earner records from the courts because they are public records. XXXX XXXX XXXX did not notify the courts either. I pulled all of my court records from the courts in XX/XX/XXXX. 

I've been told that case have to be reopened. I'm in the process of doing just that, since you can't seem to get information from XXXX XXXX XXXX. I will send this information to XXXX XXXX XXXX XXXX XXXX   and the attorney I get to reopen the case. 

Someone created a EIN number using my personal information without my knowledge. XXXX XXXX XXXX XXXX XXXX also used TN XXXX XXXX XXXX Federal Identification number to report a XXXX to IRS in XX/XX/XXXX. I'm in the process of notifying IRS of this fraud. 

I pulled my credit report to learn that someone added an address for Michigan to my credit report. I have never lived there, nor have I visited there. I've lived in XXXX Tennessee all my life. I was my home XXXX years, until you -XXXX XXXX XXXX  XXXX XXXX XXXX it from me. 

May XXXX have mercy on your souls.Because of you I'm homeless. All of my former employers have been deleted from my credit report. And I've worked since the age of XXXX. I notified the Attorney General Office also. You should be ashamed of yourselves.

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 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have contacted these credit bureaus as it relates to my credit profile. XXXX, XXXX, and Transunion all have inconsistent information on my profiles from Names, Addresses, Employment, Phone numbers and even collections on my report. I have sent in my correct name, address as should appear on my report and asked that all others unknown be removed, this has yet to be done. I also disputed some unknown collections asking for an investigation, which was done in a matter of days and there was no resolution. I did not give them permission to report anything on my credit and have written and called several times asking them to remove this invalidated collections, which to date they have not.

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 2020-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I was informed by my mother that I kept receiving mail at her home from a collection company. She said she the most of the envelopes away thinking it was just trash. Until just recently she decided to open the most recent letter because it from the same place from before. I don't owe any money to anyone. Some one falsely has given my name and social to open many accounts under my name. I had to pull my report to figure out what was happening. I need all these fraudulent unknown suspicious accounts off my report. 

XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$290.00} XXXX XXXX  XXXX {$290.00} XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX   XXXX {$350.00}

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 2018-09-06
Company: AES/PHEAA
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am a federal worker and qualify for the student loan forgiveness program.I submitted the original certification form on XX/XX/XXXX and a recertification form on XX/XX/XXXX. I have not received any information and/or notifications on my correct payment count. I called XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and this issue has not been resolved. Each representative keep informing me that the process takes up to 90 day ; however, it's been almost 20 months since the original form was filed. I am trying to ensure that the correct count is made and that they are not trying to force me to forgo the forgiveness process. No one at XXXX are wiling to help me. They just keep telling me that they will resubmit the forms. I have no clue what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
After you investigated this and removed it they rereoorted it with double amount. I think this is a duplicate if XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
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:
Investigation did not fix error.

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 2023-09-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2020-04-01
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
This bank is crazy their recovery office has been closed for weeks they dont bother to help I lost my job and cant pay my Macys card bill

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 2021-05-07
Company: Experian Information Solutions Inc.
State: NY
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2023-02-07
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:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXXXXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-07-27
Company: EQUIFAX, 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:
My credit report is showing late payments to XXXX XXXX  XXXX. XXXX and XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the companies customer service representative. Please repair these accounts ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: FL
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2019-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Opened Capital One Card, within short time was alerted fraud charges in TX were showing up. New Card issued XX/XX/XXXX. Promised credit fraud protection..

Then in XX/XX/XXXX I looked online at my credit cards and bank statements horrified I found Capital One had issued a new Card to persons unknown using my name and attempting to move my perm.Address to Colorado. I have been in contact with them daily or every other day and yet things do not seem to be resolving. I closed a XXXX XXXX account that was paid off and no activity unknown nature but the Platinum Card they are still playing with. Refunding then taking back, via phone took money from a XXXX bank account and I had to close my account so Capital One couldn't take any more. And mad at XXXX did a via phone transaction to them.In 10 yrs have never done a phone transaction why didn't XXXX alert me..

They have made no effort to notify the businesses that they have been stolen from contact the police in my state or TX after I filed a report.. They just think it's not a issue ... Yet they were supposed to be protecting my credit since they allowed the breach in XX/XX/XXXX and allowed it again in XX/XX/XXXX and XX/XX/XXXX I live in KY. I spent almost 2 yrs getting my Mother 's home out of my brothers greedy paws after her death and will not be moving to Colorado or any other state.!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a letter from a law firm stating they found out I was being sued by a credit collection company I wasn't even aware of it, I contacted this company and I asked them why I was being sued when I had an active dispute and had not received an documents pertaining to this debt they said they can do whatever they want, I demand the documents again and asked them to withdraw this suit pending outcome of this debt he said it was up to the legal department but he doubted it. This was a company called portfolio recovery

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX credit cards of mine were all closed on XX/XX/2022. I never paid late, I have a XXXX credit score and never went over my limits. Then to top it off they waited until i paid all but XXXX off to a 0 balance. When I called asking about them spoke to a manager whom would not give me a clear reason as to why all XXXX of my credit cards were closed. She advised she couldn't give that information to the public. I'm not the public these are my cards. Per reps they stated they felt I was high risk Jcpenny XXXX balance credit limit XXXX Old navy XXXX balance XXXX limit Belk XXXX balance XXXX limit Sams club XXXX balance XXXX credit limit Rooms 2 go XXXX balance XXXX credit limit Carcare XXXX balance XXXX credit limit Care credit XXXX balance XXXX credit limit Chervon XXXX balance XXXX limit So out of XXXX in limits in which the company gave me I only had balances on XXXX cards totalling XXXX and I'm a high risk. I never called during covid for payment arrangements or anything and you close my accounts now.

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 2023-07-27
Company: EQUIFAX, INC.
State: NV
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 accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against 3 credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX Balance : {$2900.00} ; XXXX  XXXX XXXX Balance : {$2900.00} ; XXXXXXXX XXXX XXXX Balance : {$5100.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX I signed up for a XXXX XXXX XXXX program at Florida XXXX College in XXXX. At the time, my financial aid representative had given me an estimate on the cost of the program, plus my estimate grant. He had said, with it being XXXX, I can file for ANOTHER grant from FASFA in XXXX to help cover my costs of the program. The program is only 11 months long. I attended the school from XX/XX/XXXX, and I graduated with Honors in XX/XX/XXXX. At the end of my pgoram, I logged onto a portal that told me how much I would owe. When I seen the total as a little over 12k I went to a financial aid counselor and they told me it needed to be adjusted. I was contacted numerous times by the loan company Sallie Mae aka Navient. During a phone call in XX/XX/XXXX-XX/XX/XXXX time, I told the caller I was not responsible for the amount being owed. According to FASFA, I received two Pell Grants totaling in {$11000.00}. The program cost was {$17000.00}. Leaving me with owing a minimum of {$6000.00}. Last week, I contacted the school as I had been requesting my financial aid records. They only send me the estimate paperwork and stated I signed that knowing that would be the cost and I would owe more than 6k. I explained the financial aid counselor responsible for this case was no longer there and he told my mother and myself more than once it was just an estimate and the top of the paperwork even states its just an estimate. I proceeded to tell them that a FASFA representative told me they only took out {$1200.00} for XX/XX/XXXX-XX/XX/XXXX school year. The school then tells me it is because I was not attending for the whole year and that is why they didnt take the full {$5700.00} that was granted to me for the second year. The school proceeds to say it was because I didnt attend a full year. I then explained they took {$5600.00} of my first grant for only 2 months of XXXX, but only took {$1200.00} for 9 months of XXXX. The school didnt seem to understand. When I had spoken with the loan company, Sallie Mae, they stated they have no ties to the school that they just request payment since they loaned money. I am now being told due to no payments being made towards loans that I never approved to be given, that I would be sent to collections and the loan company would take my tax returns as payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: CITIBANK, N.A.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I had a credit card with Citibank and in XXXX they decided not to renew my card based on my use of a credit reduction program that I was in many years ago, before I even had a card with them, did not involve their this card and without me ever missing or late on a single payment at any time. But this is not what my complaint is. The problem I have is that I earn rewards by using this card and had accumulated {$400.00} in XXXX reward money over the course of the prior year and they have refused to pay out this reward based on my account being closed which I did not ask for and it was forcefully closed by them! These rewards were earned BY ME based on the promotion they offered to pay cash back on credit used on their card. I strongly believe I am due these rewards and upon calling them and speaking to multiple managers I was denied these rewards regardless

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 2022-04-13
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, I had deposited {$220.00} into an ATM machine in XXXX, MA. There were XXXX bills - XXXX {$100.00} and XXXX {$20.00} but the ATM reported only {$200.00} and I was missing {$20.00} so I went to the branch inside reporting this error. They fled a claim for me for the missing {$20.00} and XXXX days later that claim was denied which is just ridiculous and I lost my {$20.00}. I spoke to the branch manager XXXX XXXX at the XXXX location and she wasn't helpful at all and no one helped me get my {$20.00} back which is just ridiculous. I need my {$20.00} that the ATM ate up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation