BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
Company: Experian Information Solutions 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: 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. 

These accounts shown : XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX. However, how is this possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting.

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 2022-12-27
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX, XXXX and Experian are all reporting bankruptcy information that was obtained fraudulently and is also inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was filed XX/XX/XXXX, the date paid was XX/XX/XXXX, it was obtained illegally and I demand to have it removed from my credit report, and # XXXX was filed XX/XX/XXXX, the date paid was XX/XX/XXXX, this information was also obtained illegally and I demand to have it removed from 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 2022-12-27
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:
CFPB + Transunion, The companies below have many inaccuracies on my Transunion credit report : - XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Attached to this complaint are : - My drivers license - My social security card - My mailing address - My dispute letter I am looking to have these credit accounts removed from my Transunion credit report for many blatant inaccuracies they refuse to fix.

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 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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've been calling transition every day this week and I also sent in letters, a FTC report, my ID, and social security card to them stating that there are 3 inquires on my report that I don't recognize. I tried to dispute them and they gave me a hard time. Representatives would hang up on me majority of the time. I would like these inquiries removed as soon as possible because they are effecting my report. 

The inquires are XXXX XXXX XX/XX/2023, XXXX  XXXX XXXX XX/XX/2023, and XXXX XXXX  XX/XX/2023.

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2019-01-02
Company: Ascendium Education Group
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have tried contacting both agencies but XXXX XXXX would not speak to me at all they kept placing me on hold and transferring me. Now I have a company named XXXX XXXX XXXX, formerly XXXX XXXX XXXX calling stating they are going to garnish my wages. My loans are in deferred payment status til XX/XX/2019 because I am presently in school. The strange thing is the amounts are almost identical and I know I have been to school for almost 75,000 dollars. I am trying to get financial assistance now because I'm in school and can't because it has me in default.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/2022 I sent in a letter telling the bureaus that I've been a victim of identity theft bring it to their attention They did nothing in the matter of resolving my issue

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 2023-06-21
Company: Experian Information Solutions Inc.
State: MI
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:
XX/XX/2022 I placed an order with my XXXX XXXX account and XXXX XXXX fraudulently opened another account the day after my order was placed and when I tried to pay my original account it showed a XXXX  balance and I tried several times to contact them about it without results until I got a thirty days late notice for an account I didn't open I called again.They told me it must have been a system glitch and they would fix it and close the second account they did nothing and then blamed it on me and Experian was notified of this and that I wanted the account closed as I didn't authorize it. They assured me they would fix it and they didn't do what they said either even though I showed proof of my first account and the date I ordered and the date the new account was opened which was the day after my order was placed. They alsoade a hard inquiry to my credit bureau which negatively affected 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 2020-12-02
Company: AES/PHEAA
State: GA
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:
The company is XXXX, I was misinformed about the student loan forgiveness program. I felt pressured to consolidate my loans and was misinformed about the Public Service Loan Forgiveness Application. XXXX informed me that my current payments would not count towards my XXXX qualifying payment for the loan program due to me not consolidating my loans. I was informed that my five years of XXXX would not count towards the ten years of service if I did not consolidate my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: MOHELA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My ex-husband and I have a consolidated spousal loan ( we understand that once the federal government updates the application process we will be able to uncosolidate the loans ). 

Federal Student Loans had me as primary on the loan ( the entire spousal loan was showing under my federal student loan account, and showing XXXX under my ex account ) My ex-husband qualifies for PSLF Prior to Mohela taking over PSLF my ex husband applied for the TSPLF forgiveness and federal student aid kept telling him he doesn't have any student loans and therefore does not qualify ( I was primary at that time so despite us explaining that to them and asking how to fix it, they just said sorry you don't qualify and would discontinue the conversation ) Mohela is our servicer on the loans, and they told us to wait until they took over and to reapply since they can see our joint loans. We did that, and the loans were updated as making the XXXX payments and qualifying for forgiveness. 
During the process of applying for PSLF federal student loans then switch my ex husband to the primary, and my federal student aid account dropped to XXXX and I no longer have access to the account. 

Mohela however has me as primary on the joint consolidated account serviced by them. Therefore, I think every time they send over the request for discharge Federal Student Aid looks up the discharge under my social and sees a XXXX on my account. 

We have spent countless hours with Mohela trying to explain that my ex social needs to be on request, and we either get someone that doesn't understand, or tells us to wait. We have had a number of individuals tell us they would fix this and then resend the request to federal student aid.

Despite the numerous attempts to get this discharged, we are still showing a full loan balance and no discharge.

Any assistance would be appreciated as we have spent so many hours with Mohela, and Federal student aid will only talk to my ex ( despite me being jointly liable on the debt as a whole ) This has been going on well before XX/XX/, but I attached the status from Mohela. I have no idea why they have multiple applications, but they keep sending us the same form below and nothing is happening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Credit Management collection agency is requesting I pay a total amount of {$6800.00}. I disputed this account and told them this is a fraudulent account. They responded saying they verified the debt as mine however did not include a physical verification of the original signed consumer contract in accordance to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A I have sent a second dispute letter out to them with my police report and all required documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-20
Company: BB&T CORPORATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I was trying to purchase football tickets from an online seller. After communication via text and phone conversation with the seller he suggested using XXXX, which was offered through both BB & T and XXXX XXXX XXXX. The seller suggested using this method because it was through both of our banks and it was secure. He said that it was registered through his bank and that if I did not get the tickets I could file a claim through the banks. None of this is true. XXXX is set up on the banking websites but they do not actually protect from consumers getting scammed. This is horrible business. Any services offered by a bank should come with some sort of consumer protection. If i were to use my credit card for these services it would be backed. this is a poor way for banks to set their customers up to be vulnerable to scams. remove the XXXX app and options until more protection like that offered by XXXX can be offered. requested a refund from both my bank and XXXX XXXX XXXX and neither offered any solutions at all. they expect their customers to just eat the cost of these scammers and offer no solutions.

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 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I kept in regular contact with XXXX  XXXX XXXX while having financial hardship to pay my account. A collections representative told me as long as I can pay whatever I am able to pay, I will avoid losing my account. As soon as I got the inheritance money I needed to pay off my debt, I paid it off in full immediately. XXXX  XXXX XXXX immediately closed my account despite our agreement of paying regularly until paid in full. My deal was not honored and I lost my credit card despite being a faithful cardholder for almost three years with no prior delinquency. I spoke to many representatives and filed many complaints regarding this issue. 
I paid off my XXXX  XXXX XXXX Credit Card on XX/XX/2022. My reports state that my account is paid and closed with late payments. I paid off my account in full, not requesting or accepting any discount payout waivers or anything. I even paid every delinquent amount in full. I want the comments to say paid closed never late, or just paid closed with no mention of lateness. There is no reason to punish me on my credit reports for delinquency regarding accounts that are paid in full and no longer open. 
Where is the incentive to be responsible if there is no benefit of paying off my debt but I have seven years of consequence of doing the right thing and spending thousands of dollars by paying off my debts directly with the creditors instead of any third party agency? Please help me remove these negative comments on my closed and paid off 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 non-monetary relief
Consumer complaint received 2023-05-18
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Original Creditor XXXX XXXX XXXX XXXX : Southwest Credit Systems Balanced Owed {$620.00} Date Opened XX/XX/2021 This collection does not belong to me. My father and I have the same name and his information has crossed referenced with my information and it has caused issues with me verifying my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have disputed the bankruptcy twice with the credit bureau that it's inaccurate and needs to be verified. They keep responding that it has been verified but I have yet to receive something in writing verifying that it's accurate. This is for all three credit bureaus. I want the information to be properly verified and if not removed. 
There is also a XXXX XXXX  account for {$130.00} XXXX that I asked for verification and still have yet to receive the 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 2023-11-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My primary concern is the account mentioned below, which is incorrectly listed as a late payment account. I urge you to provide concrete evidence of this account being late, and if such evidence is not available, kindly remove the negative payment status associated with this account from my credit report. I take this matter seriously, and I expect a thorough investigation into this dispute, as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. XXXX XXXX XXXX XXXX. I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.

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 2019-01-02
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I found out through my credit report that there is a collection from XXXX XXXX XXXX for a medical collection from XXXX hospital. This bill was for my son who is XXXX years old and is XXXX. I contacted the collection agency because I had started a payment arrangement with the hospital itself immediately after receiving the 1st bill. The hospital stopped ticking the funds from my bank account for no reason. I call the collection agency in explain this I even offered to borrow funds from a family member to settle the account but I only hide half of the balance at my disposal. They refused to do any settlement on the account and they said they would continue to report the account of the collection to my credit report. They also said that even if I started on a repayment plan as I originally had with the hospital it would still report me negatively to my credit report. 
Having a special needs child on the XXXX XXXX it's very difficult especially because insurance doesn't cover the majority of any emergency expenses such as his. We were a charge over {$13000.00} just for a one and a 1/2 day stay at the hospital and the insurance covered a portion of it and we were responsible to still pay {$3600.00}. We do not have those funds and have attempted every possible option to avoid this impacting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act the attached creditors have violated my rights as far as unauthorized 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. 

I did not perform or authorize these inquiries.

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 2018-02-03
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
on XX/XX/17 I sent letters to XXXX, XXXX  and experian requesting that fraudulant information be removed and corrected on my credit report. None of these companies have responded to my demands.

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 2023-07-03
Company: American Credit Acceptance, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I purchased a car and took out a loan from American credit acceptance, XXXX XXXX, 2023 i have been making my payments on time before the due date i have already made 4 monthly payments to them and they said that my good standing account payments would be reported to the credit bureaus this is 4 months already and they still havnt reported to the bureaus, even when they said they do. im trying to build my credit and this is preventing me from getting a credit score. especially when i try to refinance in 6 months since they charged me a 28 % interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation