BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have several student loans on my credit report that are reporting inaccurately. I have been sending letters to the credit bureaus ( XXXX, TransUnion XXXX XXXX ) for the past 4 months. They keep " verifying '' and " updating '' but nothing ever changes. I have sent several letters via CERTIFIED MAIL. The last letter I sent was a factual dispute POINTING OUT the inaccuracies and it still came back " UPDATED & VERIFIED '' with the SAME inaccuracies. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX v Trans Union Corp., No. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for you willful non-compliance. YOU ARE REQUIRED BY LAW TO REPORT 100 % ACCURATE INFORMATION ON MY CREDIT REPORT THERE IS NO WAY THAT THE SAME ACCOUNT IS REPORTING DIFFERENTLY ON EACH BUREAU. THE ACCOUNTS IN QUESTION ( US DEPT ED ). 

I WILL BE ATTACHING THE LETTERS I HAVE SENT AND WILL BE ATTACHING THE LAST REPORT SCREENSHOT FROM XX/XX/XXXX AND A SCREENSHOT FROM TODAY XX/XX/XXXX TO SHOW THERE WAS NO UPDATE IT WILL BE TIMESTAMPED. 

FIRST LETTER : XX/XX/XXXX CERTIFIED MAIL SECOND LETTER : XX/XX/XXXX THIRD LETTER : XX/XX/XXXX CERTIFIED MAIL

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 2023-06-28
Company: JPMORGAN CHASE & CO.
State: CO
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:
I am writing to ask for your support in obtaining a refund for a trip I previously paid for on XX/XX/XXXXXXXX  of {$1900.00} for my 3rd service trip with XXXX XXXX XXXX. I was to go to XXXX and the XXXX trip was postponed due to XXXX, it was moved to XXXX, and moved again to XXXX. XX/XX/XXXX we were notified there would be no trips after XXXX. 

I filed complaints with Chase, even contacting the corporate office. I was told that my complaint exceeded the 540 ( unsure exact number yet in that range ) day rule to dispute a charge. I have since found out that the clock was to start counting when I was notified that the trip would not happen, not when I paid. Thus I am still well within the range to dispute. Chase informed me they follow VISA rules and they have to power to alter. Per Visa on an email to me XX/XX/XXXX, that is not true and each financial institution sets its own criteria. 

Also, on a side note, responses from Chase corporate were via phone calls. I have never received a letter even though they verified that a letter was being sent to my friend XXXX XXXX whom I gave credit card charging privileges on my account when we travel together as she doesn't own a credit card. 

Many XXXX travelers have received refunds. There is travel insurance on our credit cards, and if this doesnt fall under an issue with travel it certainly is covered under paying for a service not received. I just turned XXXX old and I can not afford such a loss, plus I expected the service trip to XXXX would be my last. 

I am hearing from others via a support group that was started for We XXXX XXXX Travelers who lost all their money that you have been helpful and refunds are being issued. I am grateful for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I sent the following letter to XXXX, Equifax and XXXX and they have refused to comply with the law. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Account # : XXXX Effective XX/XX/XXXX, creditors should have changed the way they are reporting late payments. In light of the recent CARES Act, creditors should not report any late payments to the credit reporting agencies during the CARES Act period* to avoid harming my credit score. This change is temporary and applies ONLY during the CARES Act period as defined below. 

On XX/XX/XXXX, the United States Congress passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to help Americans during this uncertain time. Among other things, the Act is designed to help protect my credit during the pandemic. 
Based on this information about my rights and protections under the CARES Act please remove any late payments you have reported to the credit agencies ASAP.

* CARES Act Period- Requirements apply to certain consumer account payments made between XX/XX/XXXX, and the latter of either : 120 days after XX/XX/XXXX, or 120 days after the national emergency concerning COVID19 ends. 

Note, I have spoken with your company on several occasions alerting you that I was experiencing a hardship due to the pandemic and I also made a payment during this period and expressed my willingness to correct the problem. The following late payments should be reversed and removed from my credit report. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: AXOS FINANCIAL, INC.
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a statement from Axos on XX/XX/XXXX for collection of a 2nd mortgage that was paid off in early XXXX of XXXX. We ( XXXX and I ) received a payoff letter and XXXX mortgage paid it off. I don't understand why this is happening after a year and 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
no creditor : remove it Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account US DEPT. OF EDUCATIO {$0.00} Closed Unknown payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment US DEPT. OF EDUCATIO {$0.00} Closed Unknown payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$0.00} {$40000.00} XXXX XXXX {$0.00} Closed Unknown payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Open Account Balance on XX/XX/XXXX Loan Amount {$0.00} {$100.00} Payment Info remove : XXXX EDUCATION LO {$14000.00} Balance updated XX/XX/XXXX XXXX late payments Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment XXXX EDUCATION LO {$19000.00} Balance updated XX/XX/XXXX XXXX late payments Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment remove the late payment : XXXX XXXX XXXX XXXX {$9600.00} Balance updated XX/XX/XXXX 1 late payment Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment Paid Off : 29 % XXXX 2 late payments {$850.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Revolving account XXXX {$9600.00} Balance updated XX/XX/XXXX 1 late payment Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment account

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 2022-10-19
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A letter dated XX/XX/XXXX received at residence referencing a XXXX XXXX XXXX with a past due amount of {$1500.00}. 
Phoned the company, Credit Acceptance, to advise them that the addressee is permanently and totally XXXX and does not know of such a car loan. 
The representative was unable to assist and was advised that a cfpb complaint would be filed.

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 2023-04-27
Company: Atlanticus Services Corporation
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:
In XXXX of XXXX i had XXXX late payment due to a medical emergency, in which my husband had an injury that caused his left leg to be amputated that i want to provide documentation from the hospital to FORTIVA explain. I was reported to XXXX, XXXX and XXXX for the late payment. I called on XX/XX/XXXX and spoke to a representative to have my account reviewed and to see my otherwise excellent pay history and to get a goodwill removal of the late payment reporting. I was given a {$36.00} late payment fee credit, but that is not what i needed. 

On XX/XX/XXXX i was transferred to a supervisor named XXXX, who stated that there was no one higher up in the company that could help me. I asked if i could send him medical information and my sincerest apology but he refused. He stated that it is their policy to never remove credit reporting. I asked if he could send me that policy information in writing and he said he could not. He told me to review the credit agreement. I did review the credit agreement and it contradicts what he told me. They do not report late payments 100 % of the time nor do they say reporting can not be reversed. I never signed anything according to what he says their policy is on reporting. He then said, that is their policy and that he is releasing the call and hung up on me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
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 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 2023-07-06
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 XXXXXXXX XXXX Collection Agency Account Number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Is 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 explanation
Consumer complaint received 2023-03-03
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Inquiry : XXXX XXXX, 2022 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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove/delete the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$1500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XX/XX/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 2022-05-03
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  Account # XXXX XXXX  Accounts Account # XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Navient Solutions, LLC.
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:
After reviewing Navients correspondence I believe that the loan that they have put on my credit report may reflect a separate loan from the one allegedly transferred to them from XXXX a loan not covered by the Promissory Note that I signed XX/XX/XXXXXXXX XXXX 
The reasons that I hold this belief are : XXXX. In XXXX, the address that Navient had for me differed from that which XXXX and the national student loan database, NSLDS had on file. The XXXX XXXX address that XXXX and NSLDS had on file was correct. XXXX had been sending me mail to that address for some time. The XXXX address that Navient had on file was a former address at which I had resided previously. This discrepancy indicates that the loan that Navient is referencing on my credit report is actually for a different, unrelated loan associated with the XXXX address. 
XXXX. The loan amounts that XXXX and Navient claimed that I owed differed. This difference indicates that the loan that Navient is referring to on my credit report differs from the one allegedly transferred from the one transferred to them from XXXX. 
XXXX. In XXXX, Navient asserted that that my loan was 228 days late. However, XXXX clearly stated to me in their XX/XX/XXXX correspondence to me that Due to the in-school status the loan was current at the time of transfer. Again, this discrepancy indicates that there may have been multiple loans at play. 
XXXX. Another indication that Navient is referring to a different loan on my credit report is that there are unclaimed funds being held by the State of Michigan for monies returned by Navient to me that relate to my former XXXX address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a payment for a purchase i made from a vendor named XXXX XXXX XXXX XXXX for an amount of {$11000.00}, Fifth third bank took out the payment from my XXXX XXXX account on XX/XX/2023 but refused to credit the vendor bank account which was held at Fifth Third Bank. Fifth Third Bank rejected the payment and closed the vendor bank account which was held at Fifth Third Bank, for this reason the vendor cancelled the order and Fifth Third refused to return the money back to my bank account so that i can make payment for the order through another means. I have have sent my bank statement to Fifth Third Bank to prove that the payment was legit and it cleared in my account. Fifth Third Bank requested my bank provides them a Hold Harmless Letter which i have tried to get for Fifth Third Bank. I have reached out to my bank to request they send this letter to Fifth Third Bank but they claim Fifth Third Bank reach out to them via there banking internal channel and request for it since it was Fifth Third Bank that rejected the payment and need the letter. I have tried to ask the bank to give me the letter so that i can provide it to Fifth Third Bank myself but they refused to give it to me saying they have to send it to Fifth Third Bank by themself. That is the current point i am at, I don't know what else to do in order to get Fifth Third to contact XXXXXXXX XXXX through there bank internal channel to request for the XXXX XXXX Letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Hello. On XX/XX/XXXX I reached out to Navy Federal Credit Union to inquire about adding overdraft protection to my account. I was told that I couldn't add overdraft protection because I had an OPEN bankruptcy on my account. I notified the representative that this was no accurate. The rep asked me to call back tomorrow to speak with the Bankruptcy department because they'd already closed for the day. 

I filed bankruptcy back in XXXX of XXXX. My bankruptcy was discharged around XXXX of XXXX ( the same year ). Around XXXX of XXXX the bankruptcy was reopen briefly to amend some documents and closed right back on XX/XX/XXXX at XXXXXXXX XXXX  Navy Federal somehow didn't close the bankruptcy out on my account but left it open. 

The problem with this is I have applied for credit and was declined. I also opened a credit card ( which is backed by a certificate I hold with Navy Federal ) which they gave me the highest rate the card goes of 18 %, Was my credit judged by the bankruptcy that Navy Federal falsely had ( or currently has ) on my account which in turn caused me to be declined and given a higher interest rate? I can't see an underwriter ignoring a bankruptcy when making a credit decision- so we know something happened. 

I tried to respect the chain of command and speak with someone at the bank to discuss this- but I was only threatened, emailed a brochure, and told by the supervisor that he HIGHLY suggest I read it before I pursue any legal avenues. 

Per the Fair Credit Act this is wrong.

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