BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX 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 2023-06-05
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection is not accurate and can not be validated AND Im seeking litgation! Since I studied my rights and found out that under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: LendKey Technologies, Inc.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
On XX/XX/2022, I refinance my federal student loan to a private loan servicer name XXXX on behalf of XXXX XXXX XXXX ( the " Lender '' ). The servicer agreement stated I had the right to request forbearance for up to 18 months. On XX/XX/2022, I lost my employment. I made ( XXXX ) payments which included a {$5000.00} fee which the loan new granted over the payoff amount of my consolidated federal student loans to ensure in possibly short on the payoff amount. The loan servicer was provided a payoff amount that offers up to 30 days to pay off the loan. Instead of {$5000.00} being sent to me directly, it was applied to the loan principle. I applied for a Forbearance shortly after losing my employee. A few days later, I got this response. 

Servicing XXXX Thu, XX/XX/XXXX, XXXX XXXX  to me Dear XXXX, Thank you for your recently submitted forbearance request. 

We recently received your forbearance request. The lender, XXXX XXXX XXXX, gave your request careful consideration and regrets that it can not approve the request at this time. 

REASONS FOR DENIAL. The factor ( XXXX ) below are the reason ( XXXX ) for this denial : ____ The borrower did not meet the minimum payment requirements ( either XXXX total consecutive payments before applying for his/her initial forbearance or making XXXX total consecutive payments between forbearance periods. ) If you have any additional questions, please get in touch with our XXXX XXXX  at XXXX Monday-Friday, XXXX XXXX- XXXX XXXX XXXX 
You can also contact us via email at : XXXX. 

Thank you, Customer Service XXXX XXXX. My first concern is that I was told by XXXX that the {$5000.00} that was approved over the payoff amount was applied to the principal balance is not considered a payment. ( Why not? Since surplus funds were never sent to me, I should have them applied directly to the loan. 

XXXX. I was told I must make XXXX payments before making a forbearance request. These specific terms were not included in the loan disclosure forms. 

XXXX. I was also told that the XXXX XXXX XXXX has the right to change the terms of forbearance at any point they choose to do so in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: NY
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 am dissatisfied with their investigation due to the mismatched information in their reports. The reported entries on my files were not confirmed to be verified, and they have already closed my previously filed complaints after they presented me their invalid records.

Company response to consumer: In progress
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 XXXX data breach and may have got into the hands of the wrong person.

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 2023-07-21
Company: EQUIFAX, 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 5th 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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:
See attached docs detailing the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. At this point I intend to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I filed a complaint with you a while back. This is the number you gave me. 
XXXX I asked for a check for my rewards early last summer and never received the check. I called the bank and they said they issued another check. This check never came. I called again and asked for another check and they promised they would send the check which also never came. Then the bank decided they wouldn't send the third check even though they promised me they would. Even after they promised they would send the check and then changed their mind they asked me to drive to the bank and sign a form that I have difficulty reading as the font is small and I don't have perfect vision. I had someone read the form to me and I don't understand it and it seems to imply that I lost the check which isn't true because I never received the check. I should not be required to go to the bank and sign a form since Wells Fargo promised me to send the check. In the meantime they've held onto my money since roughly XX/XX/2021 an amount over {$8000.00}. Please help me so they actually mail me the check registered mail like they promised to do. If you look online you can find Wells Fargo does this alot to people when they ask for a check for their rewards.

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 2023-01-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio recovery contacts me a minimum of 6 times a day from various numbers but this number at least 3 times a week. Ive asked them to send verification of debt Ive never received anything. Ive asked them to stop calling but it continues. Attempts to block the number they call from spoofed numbers. At this point it is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I noticed when checking my credit report that a late payment was reported by Comenity to the credit bureaus. As explained over the phone, I believe that this was due to an issue with the paperless statements not being sent to me. As soon as I realized I had a balance on this card, I paid the balance in full. I've since set up autopay to pay the entire statement balance each month. 
I am under the impression that Comenity as a creditor must mail or deliver ( via email ) a periodic statement as required by XXXX for each billing cycle at the end of which my account has a debit or credit balance of more than {$1.00} or on which a finance charge has been imposed. 
As mentioned previously, I had not received a statement and had no way of knowing that a payment was due on this card. I believe that by me not receiving a statement, this prevented me from making a timely payment due on this account. 
I messaged Comenity attaching a copy of my email inbox containing all estatements sent to me for this account this year. As they could see, I did not receive any statements for this account prior to XXXX of this year. I am signed up for paperless billing and believe I should have been receiving these statements via email, as nothing was coming via postal mail either. I believe this was a technical issue or a glitch with Comenitys statement delivery and I should not be held responsible or penalized for their failure to issue me a statement as required due to technical issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: TX
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 XXXX -- Account number : XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX -- Account number : 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 2022-11-09
Company: Experian Information Solutions Inc.
State: TX
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 XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A states that 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 2023-04-25
Company: Experian Information Solutions Inc.
State: MO
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 XXXX XXXX and I am submitting this CFPB complaint as a follow up to the recent dispute I complaint. In accordance with the Fair Credit Reporting Act section 605b, I am demanding that the following accounts be corrected and updated as soon as possible : XXXX BANK AND XXXX XXXX Balance : {$0.00} - Your record keeping isinadequate. This item is reported as past due but the account is closed with a XXXX balance. Correct it now. Provide evidence that false information hasn't been reported or remove it. 
XXXX XXXX XXXX XXXX Balance : {$0.00} - The item on my report is inaccurate. The account is closed with a XXXX balance, yet it's reported as past due. Please fix this immediately. Either provide proof that you haven't reported false information or remove it. 
XXXX XXXX XXXX : {$0.00} - Despite my request for an investigation and the removal of the charge-off status, no action was taken. Not only was no investigation conducted, but you also chose to neglect this matter despite having ample time to address it. I demand that you remove this item immediately, as it is unacceptable to leave it on my record without taking any action.

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 2023-07-19
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 status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
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:
I have tried countless times to have all three bureaus understand two items. XXXX XXXX XXXX charge off was 7 yrs ago and I paid the account In Full as the check noted. Over XXXX XXXX.

Second I have one student loan payment. They are reporting late payments as x10 for each loan that the payment is disbursed across. This is absolutely ridiculous and unfair and no one seems to care at all.

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 2022-11-09
Company: EdFinancial Services
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I paid edFinancial {$62000.00} in a loan refinance. They cashed the check but did not apply all of the money to my account. There is still {$3300.00} missing from my account. I tried to remedy this, but there is a 150 day wait to process my request. It is absolutely criminal that they cashed my check, and are holding onto the money for 150 days before applying it to my account. Customer service also will not give me any information on where my request stands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: FL
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 explanation
Consumer complaint received 2023-07-14
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 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 non-monetary relief
Consumer complaint received 2023-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I paid the entire balance due of {$3000.00} on my credit card on XX/XX/XXXX. On XX/XX/2023, Bank of America took {$1800.00} directly out of my checking account to pay the balance that was listed on my most recent statement ( XX/XX/2023 ). My balance due was {$0.00}, and had been for nearly 2 weeks at the time BOA took my money. When I contacted them by phone, they said they could send me a check for the credit on my account and it would take up to 10 business days for me to receive it. I then contacted the office to close my account and was told it could take XXXX business days OR MORE to receive the refund of the money they stole from me on XX/XX/XXXX. 

The bank claimed that because I had " autopay '' turned on, that they were authorized to take the amount that was due on my most recent statement, EVEN THOUGH I HAD PAID THE BALANCE IN FULL 2 WEEKS PRIOR. Now, BOA can earn interest on MY money they took from me without my authorization - money that I did not owe them. If this is a loophole in their business practices, this needs to be closed. Thank you!

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 monetary relief