BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-08-11
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Around XX/XX/2020 I received a letter from XXXX XXXX XXXX on behalf of LVNV Funding trying to collect money I do not owe. They are making false statements in regards to amount to be collected which I never heard of. I submitted a dispute of the validity of the debt and any portion there of according to a paragraph from there own letter and the rights the law gives me as a consumer. LVNV Funding nor XXXX XXXX replied to my letter of validation. I advised in the letter not to report any information to my credit report because this account is not yet validated. On XX/XX/XXXX, I received notification from XXXX that LVNV Funding reported a collection to my credit report. This is a straight violation of the FDCPA laws and or FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit bureaus are illegally reporting inaccurate information 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 non-monetary relief
Consumer complaint received 2022-08-25
Company: Navient Solutions, LLC.
State: CA
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/2020 I contacted Navient about my consolidated FFELP student loans. I inquired about the zero percent interest rate reduction due to the pandemic. I received a response that I did not quality. I was not informed that I needed to transfer my loans to the direct consolidation loan program to quality. As a result they have collected interest on loans and I have incurred additional debt that could have been avoided had I been informed of my loan options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX  Account # XXXX XXXX has violated my rights. 

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

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 2023-08-07
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am the executor on the home after losing a family member. I cancelled the homeowners policy with XXXX insurance in early XXXX and obtained my own policy with XXXX at that time. My agent sent information to Mr. Cooper mortgage company with a verified correct address. I noticed that the escrow payment had increased slightly so I did not realize there was an issue until I received a letter stating that my policy had been cancelled due to nonpayment. I checked my mortgage payment again and the escrow payment had increased SIGNIFICANTLY. I contacted my insurance and they stated that the mortgage co never paid out on my policy and it was cancelled. XXXX  was also refusing to rewrite my policy because now there has been a lapse in coverage. Mr Cooper ( mortgage co ) informed me that they paid out the policy in early XXXX and the reason for the escrow increase was that the escrow analysis likely reflected the costs of the old policy because it was done shortly after the change. My escrow payment has more than doubled by the way. My insurance agent informed me after doing some digging that Mr Cooper paid out on my family members policy that had been cancelled. He also stated that he reached out to Mr Cooper numerous times with no response due to the non payment on the updated policy. Currently I have no homeowners because I can not get rewritten with that company and now other companies want a high payment due to the lapse. Even without an active insurance being paid out my escrow, my payment went from about XXXX to almost XXXX a month for overall mortgage/escrow payment. In addition, XXXX cashed the check for the policy that had been cancelled, and now refuses to refund the money in a manner that I can cash the check. They will only write it out to my family members estate and I can not cash that check until I open an estate account solely to cash that 1 check because there is no other reason for me to open one. This means I will have to obtain an XXXX and pay inheritance tax on money that that came out of my own checking account that I have been paying on this home/escrow for over a year now. This seems unethical and is making it very difficult for me to afford things. None of these mistakes were my doing yet I am the only one suffering the consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
TD Bank issued a credit card without my consent, and they issued this credit card holding on a secure credit card deposit of {$500.00}, they failed to provide any proof of me requesting this credit card and they admit it was a mistake, they offered me a solution to close the secure CC which is my oldest credit card that I built my credit score on, and if I closed it I will have a huge negative impact my credit history score, I refuse to pay for their mistake by the effect my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXXXXXX approved me for a secured card in which they took the funding out of my account. Now that they have took my money and open the account they froze the account to do extended verification on my record without giving me anything that makes sense I thought that I was already approved for the card and they came in froze the card just a couple days ago and now that they have had me sign extra verification form it has start putting all type of alerts on my account about fraud alerts and extended verification personal statements and some other items that have just impacted my credit monitoring credit reporting XXXX XXXX  has now hurt my credit monitoring more than it has tried to open and impact my credit by opening the card I dont know what the XXXX is going on with this company, but it is adding new alerts to my XXXX credit monitoring every XXXX day several alerts I called XXXX and they act like they dont know what the XXXX is going on and they the only freaking company that I have open any type of credit with recently and I literally didnt start getting alerts on my credit monitoring until yesterday, which is the day that they have me signed his XXXX consent for extended verification to be stated for the record in this complaint, that if this has any type of negative impact on my credit, or my credit monitoring, I will be immediately filed the lawsuit against XXXX card. And for them to lock the XXXX car right before XXXX XXXX is a XXXX and XXXX XXXX thing to do for a company. If they were going to lock my XXXX car, they shouldve done it prior to when the card was issued or before letting me open the XXXX card.

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 2023-06-26
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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Account # XXXXXXXX XXXX XXXX has violated my rights.

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

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 2020-08-11
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:
I am filing a second complaint against the credit bureaus. They said in the first complaint my disputes were not specific and they were not going to investigate anything. 

I just uploaded the letters of dispute I sent them months ago. Is that specific enough for them? Furthermore, that response of theirs does not address the fact that they have failed to do their job for over three months. At this point I am fed up. Starting an investigation at this point  does not suffice. If they do not delete the accounts I disputed from my credit report or correct them, I will be forced to sue them. What kind of hoops are they having me jump through just to get them to do something they are supposed to be doing already. This is costing me in terms of time, money, credit denials, missed opportunities, frustration, and much more. This will be the last time I attempt tp have the credit bureaus do their job before I go to court with them.

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 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Account XXXX XXXX XXXX XXXX has violated my rights.

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

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 2020-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/2020, I requested a loan payoff estimate online because I was not able to get anyone on the phone at Bank of America. The bank applied a19.78 % daily interest rate to the loan for a week because I requested a loan payoff estimate without telling me. There was no advance notice that if I request a loan pay off that an additional interest rate would be applied. Additionally, the banks website was down the day after I requested the pay off, so I couldnt even get the pay off details that I needed to pay the loan off and stop the unknown interest rate from accruing interest. The monthly mortgage is {$780.00} and theyve essentially added another month to the loan all because I sought details on how to pay the loan off. This is deceptive and unfair.

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 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
this is my 2nd complain to same matter. my previous complain number XXXX where XXXX XXXX  accepted that error occurred anf they fixed it on XXXX XXXX but issue is not fixed and XXXX  XXXX  is not giving me loan based on same issue. 

If issue is resolved then give me loan please? XXXX XXXX  or XXXX XXXX should give me loan immediately as both are responsible for my credit mess and XXXX  XXXX  accepted fault. But XXXX  XXXX  always lie on this portal and run away from situation. 
I am attaching XXXX XXXX letter where XXXX XXXX has said they never reported late payment in complain # XXXX where XXXX XXXX never reported late payment then how Transunion report shows late payment. who is lying Transunion or XXXX XXXX I have been been telling in all complain that XXXX XXXX is lying. 
SO  either Transunion is lying or XXXX XXXX is lying because my credit report says late payment and no one giving me loan including XXXX XXXX, XXXX XXXX. I am attaching XXXX XXXX loan officer email copy where XXXX XXXX  is declining loan. whoe 's fault it is. XXXX XXXX  has accepted fault but XXXX  XXXX  kept on lying and declining my loan

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2023-08-07
Company: Nelnet, Inc.
State: NY
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:
Bad information about my college enrollment status. My loan servicer ( Nelnet ) has inaccurate enrollment dates listed on my account, so I can not apply for an income-driven repayment plan or PSLF forgiveness before repayment begins. I graduated on XX/XX/2023 and completed Exit Counseling as instructed ( on XX/XX/XXXX ), but my status still states that I am In School. I expect to begin repayment in XXXX and do not want bills to be back-created on a standard repayment plan that I do not want. I want to switch plans but can not do so until this has been corrected. I have spoken to multiple representatives about fixing this, from Nelnet and my former university, and have not received any proper update. I have no physical documentation as all interactions have been via phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
removed connsumer statement and fraud alert without consent on credit report while chaging address to a Michigan address that no creditor is reporting. 

I reported a change of address to all creditors in XXXX, XXXX, XXXX, and added consumer statement with fraud alert inXX/XX/XXXX and that was deleted along with fraud alert.

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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 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 2020-08-11
Company: Square Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On Friday, XX/XX/20, I prepaid for services through the digital forum Cash App. When the time for the services arrived, the provider had stopped communication. I requested a refund and have not heard back from the provider or company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
A goodwill letter was sent to XXXX XXXX and my credit report was update a couple days after reporting on-time payments. However, the credit bureaus retracted this after a month and reinstated the late payments that have been resolved between myself and 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 explanation
Consumer complaint received 2020-08-10
Company: Experian Information Solutions Inc.
State: VA
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 have already tried to resolve this issue with the companies. I am trying to get this matter resolved.

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 2020-02-02
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Jefferson capital system re aged a collection account they purchased from XXXX XXXX. The original debt was from XX/XX/2012 and they have reported to all three credit bureaus the account is 3 mo the old which makes it illegal to re age a account per FCRA. I filed a dispute and contacted the collection agency which the supervisor I spoke to informed me they have a payment processing company collecting the debt. Not only that but I am not legally responsible for this account. My debt was with XXXX not any other collection company so that in itself is not allowed. All three credit monitoring agencies have the delinquent date for 3 months from this date when it originally was XX/XX/2012.

Company response to consumer: Closed with explanation