BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three 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. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09
Company: National Collection Systems, Inc.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
On XX/XX/XXXX, I submitted an online application for deferment for XXXX XXXX student loans due to unemployment with supporting documents. Although I sent proof of unemployment, XXXX - XXXX  ( hereon XXXX  ) requested " proof of benefit for XX/XX/2021 '' no later than XX/XX/2021. The agency also indicated that if the requested document wasn't received by the deadline, I would have to resubmit my application. 

I attempted to attach the document online several times, but the document couldn't be attached due to processing. A XXXX  representative instructed me to wait a few days to try again to attach the document. After a few days, I was still unable to attach the document. On XX/XX/XXXX, I mailed my application and attached the requested proof of benefits document showing currently unemployment as of XX/XX/2021 to meet the deadline of XX/XX/XXXX. 

On XX/XX/XXXX, during the processing stage of my deferment, I received an email informing me that my loans were sent to collection. This action of XXXX contradicts that deadline and the email informing me that if I didn't meet the XX/XX/XXXX deadline to submit the proof of benefits that I could reapply XXXX see attached ). Although XX/XX/XXXX was honored as XXXX federal holiday, my proof of benefits document was received by XXXX on XX/XX/XXXX. Also, the receipt date should've never been on a federal holiday where the post office and federal businesses are closed. 

Besides the above, I received an email on XX/XX/XXXX informing me that my application was denied because the loans were sent to collection, and I received a second email informing me to reapply for deferment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: AFNI INC.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018, I sent a letter to AFNI asking for validation of a debt they claimed I owed. As of XX/XX/18, I have not received a response from the above mentioned company of my request for validation. On XX/XX/18, I sent a certified letter dated XX/XX/18 that was received by their company on XX/XX/18 stating that they are in violation of the FCPDA and requested that I hear back from them in 15 days. On XX/XX/18, I received a letter from AFNI dated XX/XX/18 which is more than the 30 days allowed to validate the debt. In this letter they stated that they investigated my dispute and have verified the debt. As of XX/XX/18, I still have not received any of the requested information I listed in my previous letter dated XX/XX/18 asking for validation proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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. 

Account Name : XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX Account # XXXX Creditor Name : XXXX XXXX XXXXXXXX XXXX Account # XXXX 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 explanation
Consumer complaint received 2019-09-05
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: Account information incorrect

Complaint:
XXXX XXXX XXXX Balance increase by {$25.00} Between XX/XX/XXXX to XX/XX/XXXX account balanced was increase from {$4200.00} to {$4200.00} I called XXXX XXXX and they said they do not know. 
Equifax doesn't know So Who knows?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$12000.00}

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 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$630.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$21000.00}, XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$6100.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$14000.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2400.00} ), XXXX ( Date Opened : XX/XX/XXXX Balance : {$1000.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} ), XXXX XXXXXXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$690.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is XXXX XXXX please 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 2023-10-04
Company: Incomm Holdings Inc.
State: MD
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a Vanilla Gift card in the amount of {$130.00} at XXXX several days ago. The card was packaged perfectly with no sign of outward damage. When opened the card is missing the last 4 digits of the card number and the CVV on the back. They appear to have been scratched off. This looks intentional and not like a printing defect. 

When I contacted Vanilla they asked for the card serial number and confirmed it was for {$130.00}. I also have copies of both the purchase receipt and the activation receipt. The combination of the card and both receipts should be sufficient proof that I am legitimate. In order to do anything they then said they require proof of address ( a bill or something I assume ) and a copy of my drivers license before they will help with anything. The people answering the phone hardly speak English so it is very difficult to determine what they are asking for and the whole process has a very uncomfortable feeing to it. I asked to speak to someone in the United States to which the person continued to repeat " I work for the United States ''. It took me at least 4 times to get the person to admit they were not in the US. They then put me on hold and never picked me back up. 

This is my 4th attempt to get this rectified with the same basic results each time. After doing some research it appears that this is a common thing with this company and similar complaints are extremely easy to find.

It is a very unsafe practice to give out copies of personal information like they are asking for and its is even more unsafe to give it to someone outside of the country. The way this company treats customers is a scam to get people to give up on trying to get what they paid for in the hopes of keeping the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am a consumer whos rights has been violated. I extended the use of my credit to USDA RURAL DEVELOPMENT. The company have operated dis honorably and have conspired with the consumer credit reporting agencies to deprive me the benefits of my credit which caused serious damage and interference with commerce. I have tried to resolve this matter. The account has been is dispute status for over a year, the debt hasnt been validated and my consumer credit has been destroyed. During the debt validation process all collections must stop. USDA and reporting agencies has reported three late payments which is fraud and has severely caused damages to my consumer profile which has yet to verified. Transunion has banned, stopped me from putting in disputes about USDA. These corporation are operating above the law and no one seems to care. I hope this message reaches a pure soul who is here to help.

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 2023-04-27
Company: EQUIFAX, 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: 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. 

Account name : XXXX XXXX XXXX XXXX XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX XXXX Account name : XXXX  Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX FA Account Number : XXXX Account name : U.S DEPARTMENT OF EDUCATION Account XXXX Account name : U.S DEPARTMENT OF EDUCATION Account XXXX Account name : XXXX XXXX XXXX Account XXXX has violated

my rights. Or 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 response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hello. I received an invitation from Chase Bank with what appears to be a pre-approval invitation to the bank. Once I applied, it said denied. The invitation clearly makes the consumer believe that he or she will be approved for the card. After speaking with the supervisor, he apologized for the marketing error but would not remove the inquiry from my reports. I would like them to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Earlier this year following the loss of one of our primary income sources my husband and I applied for a loan modification. At the time of the modification request our loan was current and throughout the course of the loan which was originated in XXXX we have never been late. We were approved to enter into a trial plan under the HAMP FHA Program. As per the terms of the trial the payment was reduced to {$1500.00} with the first payment being due on XXXX and the last on XXXX. We were verbally advised by our Dedicated Loan Specialist at the time, XXXX XXXX, that the payments for XXXX and XXXX would be put to the end of the loan and upon satisfactory completion of the trial period we would be approved for a permanent modification effective XXXX XXXX. 
As per the agreement we began the trial period in XXXX however upon the review of my husband 's credit report we realized that we had been reported as 30 days behind for the month of XXXX. As previously stated at the time of the modification request our loan was current. Per Nationstar Mortgage Company because the modified trial payment was less than the contractual amount they were required to report the loan as delinquent during the trial period. This however is contrary to the servicer guidelines for XXXX and XXXX XXXX. Per those guidelines borrowers who are current on their mortgage upon entering the trial modification period should not be reported as late. 
In addition none of the conversations that we had with Nationstar or the correspondence that we received from them regarding the trial period advised that upon accepting the terms of the modification our current loan would then be reported as delinquent for the next several months during the trial period. Surely had we been advised of the repercussions of proactively seeking help during a period of financial hardship we would have declined the modification as our credit worthiness is much more important than a {$70.00} decrease in payment. 
We have contacted Nationstar regarding the matter and they have been less than efficient and expedient in providing a resolution regarding this matter. Nationstar advised that they would send out a letter to the credit bureaus rescinding the negative reporting and in addition a hold would be placed on the loan preventing any negative reporting during the trial period. After the satisfactory completion of the trial period they would retro report the loan as current. 
As to date Nationstar has only provided a letter addressing removing the negative reporting for the month of XXXX. We are still waiting for the matter to be handled fully to include any negative reporting for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 8th 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance XXXX {$1900.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX : {$960.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$1900.00}

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 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Transunion, XXXX and XXXX are reporting transactions to my credit report without my consent. I have not authorized this in anyway. I have reached out to each company and transactions have yet to be removed. They are in violation of the law. Under 15 USC 1681 a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer 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 2023-07-26
Company: JPMORGAN CHASE & CO.
State: NV
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:
On XX/XX/XXXX XXXX XXXX a charge was made by a merchant in the amount of {$730.00} by using deceit and misrepresentation. The merchant promised to deliver a pair of sunglasses that were brand new from the store and failed to fulfill the promise by contacting me the following day stating they had a brand new pair in their store. As per conversation with the saleswoman they are to mail me a new pair direct from the manufacturer. After contacting chase credit card and disputing the charge, the merchant misinformed Chase stating I walked away with a new pair of sunglasses therefore denying my dispute. This is false because I never received the product nor did I walk away with the merchandise. Chase did nothing to help to protect me as their customer and stated there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 items : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief