BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I have reached out to XXXX XXXX XXXX XXXX  regarding the validity of the debt, but they did not provide any proof of the late payment status on this account. As I am looking over my credit report, this account is incorrectly being reported as a late payment account. It is important to me that my credit report is accurate and up-to-date, which is why I am requesting that you either provide proof of the late payment or delete the negative payment status on this account. Please keep me informed about the status of this dispute, and provide me with any updates or documentation related to this matter. XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$0.00}.

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 non-monetary relief
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed this item numerous times in the last years, Experian and/or creditor fail to investigate the matter and just brush me off with canned response that the information has been verified but fail to provide proof and method of validation. Creditor has demonstrated inconsistent reporting as seen in the attached 3 bureau report that I have high lighted the inconsistency across the 3 major credit bureaus that demonstrates the creditor 's inconsistent reporting, FAIR CREDIT REPORTING ACT/REGULATION V Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumers dispute that the furnished information is inaccurate or incomplete. This inaccurate reporting is affecting my ability to obtain credit as seen in the attached adverse action letter from XXXX XXXX. In the adverse action letter from XXXX XXXX it states a late payment within the last 12 months when the account has been closed but the way the it has been reported is incorrect. 

FAIR CREDIT REPORTING ACT/REGULATION V Section 623 of the FCRA and Regulation V state that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumers dispute that the furnished information is inaccurate or incomplete. This inaccurate reporting is affecting my ability to obtain credit as seen in the attached adverse action letter from XXXX XXXX. 

I would like to obtain the method of validation of the investigation along with any/all 3rd parties used to conduct the investigation along with dates and names ( or other means of identification ) of the individuals that worked on the investigation from the Experian. 

XXXX XXXX and Experian are not in compliance with METRO 2 guidelines as seen in the attached 3 bureau credit report.

See updated 3 bureau report Experian is the only Credit Reporting Agency still reporting the erroneous item.

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 2023-11-07
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XX/XX/2023 : Got an email titled " Your IDR application has been received '' from Nelnet XX/XX/2023 : Email " No action needed while we process your application '' XX/XX/2023 : Email " Your application status : In process '' XX/XX/2023 : Email " Your application status : In process '' XX/XX/2023 : Email " Your application status : In process '' XX/XX/2023 : Email " Your application status : In process '' The " In process '' emails tell me : Were following up to let you know that your income-driven repayment ( IDR ) plan application is moving up in our processing queue. 

How long does it take to approve my change? Over 2 months seems excessive. I want to get on the SAVE plan, but I think Nelnet is dragging their feet. At the same time, interest is accruing, and it's hard to reach customer service! When I login to the website, it just tells me to check in every 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: DE
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 XXXX Account # 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 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 2023-11-21
Company: Experian Information Solutions Inc.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$6000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$3600.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$2800.00} XX/XX/XXXX XXXX XXXX XXXX {$5100.00} XX/XX/XXXX XXXX XXXX  XXXX {$26000.00} XX/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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting 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 am writing to address an issue concerning unauthorized inquiries on my credit record. This information does not belong to me and I never gave consent to any of these. I need this fraudulent information removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: WA
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2022-09-27
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 information incorrect

Complaint:
I was recently reported late on my XXXX account. I made a very small purchase and later exhanged/returned items. It was my understanding explained to me from the cashier that I did not owe a balance. Therefore, this small balance slipped through the cracks and ultimately caused me to be late. This is an honest mistake and I kindly ask XXXX to reverse the late payments as a sign of good faith and goodwill. My credit is suffering from this honest mistake and I am unable to get reasonable financing terms for day to day living expenses. Please help with removing the lates associated with this 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 non-monetary relief
Consumer complaint received 2023-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
on XX/XX/2022 the credit bureas the account bank of america account # XXXX was properly investigated but is tht possible if the account 1.date opened 2.last reported date 3.date last active 4.comments from bureas XXXX & XXXX ARE ALL INACCURATE.THIS IS GROUND FOR REMOVAL. 
THEY ALSO VIOLATED MY RIGHTS 15 SU.S.C. 1681 SECTION 604 A section. 2 : the law clearly states a consumer reporting agency cannt furnish a account without my written instructions. 
I have not given these agencies written permission to furnish these accounts on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have a Fidelity Rewards Signature Visa. The credit card is issued by Elan Financial Services. In the mobile app I use to pay my bill, there is a calendar that shows the word " Due '' to signify the due date of the payment. However, the word " Due '' appears between two dates in the calendar ( with one date above and one date below ) and the correct due date is not highlighted, bolded or otherwise signified. Please see the attached photo. Because of this ambiguity, I have twice made my payment on the later indicated " Due '' date. 

While the card issuer has reversed the late fee, they refused to reverse any potential interest charges on my most recent call. Also, they refused to address the underlying issue, claiming that the correct due date is stated elsewhere. It is unclear whether the application design is simply poorly executed and ambiguous or if the company is creating intentional ambiguity to collect fees from consumers. In either case, they should fix the 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 2021-07-20
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/26 I paid the current balance ( not the statement balance ) on my card. Paid current balance then was charged finance charge on XXXX balance XXXX weeks later. Stating that the current balance is not the actual balance even after paying off and showing a XXXX balance. I received no phone notifications that my account was 30 days late let alone 60 days. I went to pay off the balance of XXXX and called customer service only to be told you can not pick the current balance but the payoff balance but when you try it is not even available and that the actual payoff would be XXXX cents more. Did another payment to include the XXXX cents. Totally XXXX. Gave me address to dispute community bank XXXX XXXX XXXX XXXX Ohio XXXX. When asked she said on XX/XX/XXXX someone called but no message left the. Said she wasnt sure if they contacted me at all maybe just statements in the mail. How can they charge n XXXX then apply min interest fees etc without notification that your account is past due? No emails calls nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
On XXXX I sent a letter to Equifax regarding inaccurate and negative information on my credit report. 

It has currently been over 35 days and I have yet to receive a response. I feel like I'm being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WI
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 am writing to complain once again about Toyota Motor Credit. Below you will find my original complaint and their response. I feel that their response is still unjust and I will continue to file complaints until they take proper action. The fact that they can damage my credit report negatively for 7 years over one written attempt which I did NOT receive is absurd. As the co-signer on a lease with Toyota Motor Credit how can it even remotely be a fair practice to collect a debt through one letter and ZERO phone calls if that letter was not acknowledged. Now i'm left with a damaged credit report thanks to their lack of due diligence. I am right in the process of home buying and this is basically killed that. I want Toyota to take responsibility for their lack of attempt at collecting this debt and REMOVE this unfair charge-off report from my credit report. They claim they are are required by law to report accurate information and I would hardly describe their attempts as and this " Charge Off '' as accurate. You have the power to remove this do so! Otherwise, i will continue to complain, and even seek legal representation if need be for such unjust business practices and reporting. Hardly the intent of the FDCPA to say the very least.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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.

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.

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 2023-07-22
Company: Merchants' Credit Guide Company
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The co. is XXXX 's. The latest communication was a letter from Merchant 's Credit Card Co. dated XX/XX/XXXX, in which they included a copy of a XXXX 's invoice ( # XXXX ) for a hooded throw/cam in the amount of {$39.00}. After several months of finance charges and adjustments, the final balance they claim they are due is {$45.00}. 
I phoned and spoke to a rep at MCG on XX/XX/XXXX. I explained that I received a XXXX delivery around that time which I hadn't ordered. I did not open the package and returned it to sender via XXXX. ( It felt as though there might be a pillow inside so I can only assume that this may have been the delivery that XXXX 's is referring to. ) The rep with whom I spoke told me he would let XXXX 's know that the merchandise was returned to sender. I have never shopped with XXXX 's and never heard of it until I started receiving bills from them. Actually the first invoice from them was in XX/XX/XXXX. I reported that to 'report.ftc.gov ' on XX/XX/XXXX and my claim was confirmed received # XXXX. My credit report on XX/XX/XXXX was much better than the prior 1 and I have again requested an updated credit report. Coincidentally, today I received an email regarding my XXXX XXXX XXXX XXXX credit card which stated that my line of credit has been reduced due to a recent credit delinquency. As you can see, I have had many issues with false reports about my credibility for a year now. Your expedient response and assistance are much appreciated. Thank you, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of 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 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 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 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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.

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 inructions 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 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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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