BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
As a consumer, I am aware of my rights under the Fair Credit Reporting Act. I am writing to officially dispute incorrect information that appears on my credit report, which I believe has been erroneously verified by the major credit bureaus despite my multiple attempts at correction. The item in question is related to an account held with XXXX XXXX. Your company has marked this account as " charged off '', but then it is a collection. I assert that this information is not only incorrect but also has unjustly caused significant damage to my credit standing over a period of years. How can an account be charged off the same day I reach out to the company to try and take care of the balance? Coincidently the account was also closed on XX/XX/22 the same day I emailed the them trying to pay my balance. If the account wasnt closed previously, how was it in collections & a charge off for 23 months? The email chain will be provided & credit report in email chain differ from new one provided. This company is fraudulent with deceptive illegal business practices. I never received one correspondence stating that my account was in collections or charged off. For the purpose of accuracy & fair credit reporting, I insist on receiving a document with detailed proof of this alleged debt verifying that this account was indeed charged off and placed into collections. If such documentation can not be provided, I kindly request that you rectify this error by deleting the inaccurate account information immediately. Failure to rectify this matter could result in me seeking legal remedies for the damage done to my financial reputation. I have maintained meticulous records and screenshots documenting the sustained damage caused by this error, which I am prepared to present in a court of law if necessary. I am hopeful that this issue will be resolved promptly and amicably, and that it will not escalate any further. Once again, please render proof of the charge off or delete the 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 2022-04-18
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX of XXXX I wired {$15000.00} to TD Bank Account # XXXX, Routing # XXXX, to XXXX XXXX with 2 prior XXXX transactions on XX/XX/XXXX of {$1000.00} and {$2000.00} dollars for deposits on the purchase of the XXXX XXXX truck. The {$15000.00} wire transfer was the final purchase price of {$21000.00} for the purchase of a XXXX XXXX XXXX XXXX # XXXX. The company involved in the fraudulent scam is XXXX XXXX out of XXXX XXXX XXXX Utah, XXXX XXXX XXXX XXXX XXXX XXXX. 

Unfortunately the entire sale was a fraud/scam. After reporting it to our XXXX XXXX XXXX  on XX/XX/XXXX a representative of XXXX XXXX XXXX  contacted TD Bank to inform the institution of the scam and request a reverse wire transaction. Our bank representative was told by TD Bank representative that TD Bank could not help reverse the wire transfer and was unable to assist XXXX XXXX resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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:
When doing services online with Bank of America credit card they do not allow the credit card holder to remove outside account such as another bank account for payment purposes. I have XXXX balance on my card and I wished to remove my bank account and I could not from my application or even just going on line to the account. So I removed digital service. That should be illegal for them to hold an outside account held hostage, I should have the ability to remove it and I do not.

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 2023-07-16
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have an older student loan ; originally unsubsidized Stafford Loans between XXXX. They were handed over to Nelnet without my consent after graduation, around XXXX. 

Nelnet has grossly mislead me on the IBR 20 year loan forgiveness process. 
- they never sent me any mail or call when the Direct Loan program launched around XXXX. 
- no one advised me that the Direct Loan program would offer more payment aid options- they didn't inform me that during the pandemic I would have been eligible for an interest pause from covid relief if I had been in the Direct Loan- I received multiple deferment options and IBR certifications that lead me to believe these FFEL ( Stafford ) loans held by Nelnet were making progress towards a 20 year forgiveness. I am now XXXX years out of graduation and they claim I only have 9 years of forgiveness accrued. I understand the Biden announcement of XX/XX/XXXX will be reviewing these accrued months, but Nelnet wasn't tracking them AT ALL. There is no dashboard to view progress, and when I asked in written form how many months of progress I had, they just sent a 20 page form with all my online history. They are intentionally dodging any bookkeeping about loan forgiveness. I owe 2x 's my principle balance now despite paying down 1/4 of it at one point. This is a XXXX scam and I'm sorry I went to college. 

Nelnet was never planning on following a 20 year IBR forgiveness plan. They are not facing consequences for their scammy behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Shellpoint Partners, LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CFPB stated repeated claim was closed due to a response from the Shellpoint ( NEW REZ LLC ) a Debt Collection Agency. Just because the company responded does not close the case ( XXXX ). I am a mortgage payer, who pays on time and constantly being harassed or penalize when insurance information has already been submitted. I am being treated unfairly. The company is trying to place a lender-placed hazard insurance payment to my mortgage payment. The unit is covered by Condo HOA & Personal Homeowner Insurance. There is no lapse in policy as company is stating. Insurance information has been faxed, emailed, or upload to website annually when requested. If there had been any damage to the condo ( inside or out ), the condo would be covered. The debt collector agency is double dipping insurance policies and trying to make me pay. Request is to end lender-placed hazard insurance. Until the issue is resolved the complaint remains OPEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: MI
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:
Delete XXXX XXXX in accordance with the Fair Credit Reporting act 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 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: John C. Heath, Attorney at Law, PLLC
State: AZ
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Charged upfront or unexpected fees

Complaint:
Since XX/XX/XXXX Lexington Law Firm they have been charging me monthly to fix my credit and send letters to the credit reporting companies. {$130.00} per month has been taken from me. I asked to cancel previously and they said there are no notes or calls and I wont be getting refunded. They said they do the work and then charge me for the work each month. They refused to escalate me further and now I am out {$830.00} I am a single mother and I am not currently working this is very frustrating. 
I am an injured party. 
XXXX Lexington Law. All rights reserved. John C. Heath, Attorney at Law, XXXX XXXX  Lexington Law, and of counsel XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Lexington Law FirmXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: ND
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15
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 fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERTS AND EXTENDED FRAUD ALERTS Transunion XXXX XXXX XXXX EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXXXXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
We had an automatic payment scheduled in the amount of ~ {$62.00}. In XXXX, failed to execute the payment. We found out 2 months later, and after explaining what had happened they did not help. A phone call on XX/XX/XXXX with customer support, they confirmed there was an internal problem on their end. We filed a complaint and requested a correction and they said they do not perform curtesy corrections to the credit bureaus. We have been paying our accounts on time for years with XXXX. This same thing happened in XXXX and the same result. Now this effected our credit and we want this fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I been trying to get my credit report fix for the 3 credit bureaus and all they seem to care is make me believe that they fix the problem at some point my accounts were gone, and everything was good till i cancel memberships ALL THEY CARE IS ABOUT MONEY, when im already dealing with identity theft from the XXXX breach

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 2023-05-11
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX Re : Dispute of Serious Delinquent Items and Negative Entries on Credit Report Dear XXXX, I am writing to bring to your attention serious concerns regarding my credit report. I have identified multiple delinquent items and negative entries that are inaccurately reporting on my credit profile. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough investigation into these matters. 

Verification of Identity : Full Legal Name : XXXX XXXX XXXX Full Legal Social Security Number : XXXX Full Legal Residence Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX IN XXXX I am aware of my rights under the FCRA XXXX and I believe it is your responsibility, as a credit reporting agency, to ensure the accuracy of the information on my credit report. These inaccuracies have significantly impacted various aspects of my life, and I am seeking your prompt attention to resolve these issues. 

I urge you to conduct a thorough investigation into the delinquent items and negative entries on my credit report. If any of these entries are a result of fraud or identity theft, I expect you to take immediate action to rectify the situation, in compliance with the FCRA. 

I appreciate your full and undivided attention to this matter, and I expect that it will be handled without any excuses or errors. I am confident that you will address these issues promptly and accurately, as required by law. 

Thank you for your prompt attention to this matter. I look forward to receiving a written response within the time frame specified by the FCRA. 

Sincerely, XXXX XXXX XXXX Note : Make sure to mail this letter via certified mail with a return receipt requested to ensure you have proof of delivery.

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 2023-07-16
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have been incarcerated from XX/XX/XXXX until XX/XX/XXXX. 
During this time I was having funds deposited into my checking account from my unemployment qqed access to my account and transferred all of the funds from my account to theirs leaving a trail with their name and dates and time. 
The bank decided there was nothing wrong with what had occurred and decided not to give me back my money although my money is insured and that's why it is insured so that when somebody steals my identity and steals my money, I get it back. 
They did however refund me debits that were legitimately my doing totally {$100.00} out of {$5600.00} worth of money that was stolen. I just want what's right and that is for my money to be returned to me that is why I keep it in the bank, that is why it is insured, and it definitely should have come back to me. 
I have all of the documents proving that I was not knowledgeable to any of this and I have the proof of the person who took the money and transferred it to themselves all documented. 
I have attached copies of the transactions where XXXX XXXX XXXX transferred the money from my account to his account and things were bought online it's all there I have also attached a letter from the facility that I was housed at from XX/XX/XXXX until XX/XX/XXXX all the transactions happen within the time that I was XXXX. 
I, at no time, gave my permission to XXXX XXXX or anyone else, to transfer any funds from my account to his, nor did I give consent for him to purchase items and or services via the internet. He gained access to my account through personal paperwork I left at his home and via a computer that I was in the process of purchasing prior to my XXXX. I did not know that I was going to be arrested I would never have left sensitive documents on a computer that someone else could gain access to my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-16
Company: Lien Enforcement Inc
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XXXX XXXX is charging me for a lien on a car that was registered to a sister of mine and that car was sold to a gentleman named XXXX XXXX which he never transferred his name but I have in my possession a bill of sale signed by him stating that he is taking over ownership so he parked it on the street tags expired and car got towed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX  TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX, TX XXXX, XXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$0.00} , XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$730.00} XXXX  XXXX XXXX Balance Owed : {$290.00} XXXX  XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$580.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$590.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX A XXXX Balance Owed : {$800.00XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C without prior consent of the consumer given directly to the debt collection or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hello, I am writing to complain about ALL THREE CREDIT BUREAUS. They are illegally reporting a XXXX XXXX XXXX  on my credit profile. I have sent numerous letters asking for the method of verification of the bankruptcy but they have ignored my request which is A VIOLATION! I even reached out to the courts and they advised they have not released any of my personal information to the credit bureau. This is illegal and I will sue for all possible damages. How are you guys reporting an unverified account? Also, I saw numerous FCRA Violations as well. Everything isn't reporting the same across the board 100 %. I'm not showing the court name across the board and the filing date is wrong. There is so many errors on this report is not even funny! Remove this unverifiable account NOW

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