BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Yes my credit report is not up to date and they are reporting outdated information on my credit report also sharing my information without my consent

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 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the information on my credit report. According to my credit report, I have several negative items on my credit history that I believe to be inaccurate. 

Firstly, the charge off account with XXXX XXXX ( XXXX ) is not accurate. While I did have an account with them in the past, I was never informed that it was going to be charged off. Furthermore, I was not given any notification of the balance that was owed on the account. 

Secondly, the charge off account with XXXX XXXX ( XXXX ) is also incorrect. I do not have any recollection of ever having an account with them. 

Thirdly, the charge off account with XXXXXXXX XXXX XXXX ( XXXX ) is not accurate. I had paid off this account in full, and yet it still shows up as a charge off on my credit report. 

Fourthly, the charge off account with XXXX XXXX ( XXXX ) is also incorrect. I have no recollection of ever having an account with them. 

Lastly, the collection accounts with XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX ( XXXX ) are not accurate. I have never received any notice from either of these companies regarding any unpaid bills. 

I believe that these errors have violated my rights under FCRA, FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA. I demand that the inaccuracies be removed from my credit report immediately. 

I look forward to your prompt response and resolution to this matter. 

Sincerely, 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 2023-02-23
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: Their investigation did not fix an error on your report

Complaint:
If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and

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 2020-04-10
Company: Navient Solutions, LLC.
State: AZ
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 took out a student loan under XXXX XXXX in XXXX of XXXX with an original principal of {$17000.00}. In XXXX of XXXX, I was encouraged to go into forbearance rather than using income-driven payment plans and ended up consolidating my Federal student loans with Navient at an exorbitant interest rate of 9 %. Navient did not encourage the option/benefit of an IBP in XXXX of XXXX. Since XXXX, I have been under an IBR Plan, but my principal is now {$71000.00}. I believe I would be in a better financial situation at this time had I initially signed up for an IBR. Please help in rectifying this situation or advise of other avenues to take to reduce the interest I have accrued over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: First Data Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I contacted Tele-Check that my bank had sent back a check I wrote on XX/XX/XXXX for XXXX after I had deposited a check for XXXX into my acct to cover the check. I called them because my bank sent it back talking about holding my funds so they could collect as much interest on as much, I know this only caring about themselves not the customer. I spoke w/a XXXX-collector Desk XXXX at Tele-check, not to even go into how inappropriate this person was w/her personal opinions as oppose to sticking to the facts. The reference number for the call that I insisted on is XXXX. I called in advance to ward off them taking XXXX my acct because they could and the funds were there, this is WRONG. I believed this money would NOT be taken out after the call and heads up warning for the check did clear as XXXX and I discussed on XX/XX/XXXX. She tried to get me to pay another XXXX that day?? then they would have gotten XXXX from me, to earn interest and return to me at their will and leisure. Really, a manger needs to pull that call. On XX/XX/XXXX XXXX was taken out of my acct because they could and have access, the risks you run of writing a check these days!! It's check number XXXX XXXX XXXX XXXX XXXX XXXX. 
Tele-check trace number XXXX. They should not be allowed to just capitalize off of ppl like this because my check WAS good and written in good faith. I had NO idea at the time of writing the check my bank would not honor after I knew I had the funds coming to cover.

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired TransUnion, who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached " XXXX XXXX open balance {$750.00} last reported XX/XX/XXXX. Original creditor. ( XXXX XXXX XXXX XXXX XXXX  XXXX ) " " XXXX XXXX XXXX last reported XX/XX/XXXX '' HARD INQUIRIES " ( XXXX XXXX. XXXX XXXX, XXXX ) ( XXXX XXXX. XXXX XXXX, XXXX ) ( XXXX XXXX XXXX XXXX XXXX  XXXX ) ( XXXX XXXX, XXXX. XXXX, XXXX ) ( XXXX XXXX, XXXX. XXXX, XXXX ) ( XXXX XXXX XXXX, XXXX. XXXX, XXXX ) ( XXXX XXXX, XXXX, XXXX ) ( XXXX XXXX XXXX  XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXXXXXX XXXX XXXX, XXXX. XXXX, XXXX ) ( XXXX XXXX OF XXXX, XXXX. XXXX, XXXX ) ( XXXX XXXX  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 ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant TRANSUNION. the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act XXXX TransUnion has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 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 non-monetary relief
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: IL
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:
I want to stress that the mentioned inquiry on my credit report has no connection to me. I am not familiar with, nor have I ever been affiliated with the listed creditors. I urge you to take swift action to delete this inquiry from my report. Thank you for addressing this concern promptly.

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXXXXXX XXXX Balance Owed : {$230.00} XXXX XXXXXXXX Balance Owed : {$2800.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$6600.00} 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 2022-11-04
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: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request to the Credit Burueas that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 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 from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXXXXXX XXXX Account number ( XXXX ), XXXX  account number XXXX XXXX ), XXXX account number ( XXXX ), XXXX XXXX XXXX  account number ( XXXX ), XXXX XXXX XXXX account number ( XXXX XXXX XXXX XXXX account number ( XXXX ) has violated my rights. 
15 U.S.C. 1681 section 602A 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
Consumer complaint received 2019-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
I have been a victim of identity theft since XX/XX/XXXX. Since then multiple attempts were made by the person to get credit cards under my account to his location. I notified the consumer reporting agencies about this matter and a fraud alert was placed on my behalf. The culprit had still been able to use different credit cards under my account initiating transactions which I disputed with credit card companies and matter was resolved. 
But on XX/XX/XXXX I got a notice from Bank of America stating a payment has been returned from a credit card account ending in XXXX under my name followed by a credit card statement for the amount of XXXX with transactions on multiple credit card accounts. I spoke to Bank of America fraud department about this matter and informed them that it is an unauthorized transaction and also that the card ending in XXXX was not in my possession. The banker verified that the card ending in XXXX was sent to a different address and so I was unaware of any transactions being made on that account until recently when Bank of America sent a statement to my address. 

On XX/XX/XXXX Bank of America sent me a notice saying they are unable to resolve this disputed transaction.

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
Consumer complaint received 2022-12-29
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
This should serve as a written notice to Chexsystems that XXXX XXXX XXXX wish to put a security freeze on any information on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EXPERIAN Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the account completely from my Credit Reports : XXXX DBA 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 2020-05-11
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 am upset and highly frustrated to know that there has been false and fraudulent reports noted on my credit report that i did not consent nor authorize! This is causing a lot of horrible delays with my employment and would like this to be taken off 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 2023-10-05
Company: Nelnet, Inc.
State: NE
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:
Nelnet has processed multiple IDR change applications to switch me to the SAVE program. With the first two attempts, they requested pay stubs for proof of income. I provided the pay stubs, not considering why they were asking, and they calculated my payment amount based on estimated gross income. I realized what they had done when I saw the payment amount was about 40 % higher than it should have been. I called Nelnet to ask why they would not use my XXXX  tax information. They claimed that the application they received from studentaid.gov noted that my income had decreased, so they required pay stubs and could not use tax returns. I reviewed the applications from studentaid.gov and confirmed the response regarding a decrease in income was clearly marked " no. '' Nelnet did process a verbal application over the phone in XXXX and estimated a payment amount appropriate to SAVE guidelines and XXXX. Now they have finally processed the application and the payment amount is again based on gross income, the same as the first application. They also placed me in administrative forbearance until XXXX, which I did not request. After more than two months of back and forth with Nelnet, I am in a worse position than I would have been had I never submitted a single application for switching to SAVE. I will spend hours more on the phone, trying to speak with someone who can assist, and there clearly is no guarantee of an appropriate outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed. Please dont respond to my request by saying that these accounts have been verified by the information provider, I a aware of the E-OSCAR process.I do not give your company permission to publish unverified information on my credit file. I am asking your company to legally verify the accuracy of these disputed items and not to just parrot what the information provider tells you. By publishing these unverified items on my credit report you are in violation of the FCRA and by distributing my credit report to 3rd parties you are damaging my reputation and credit worthiness.

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 2023-10-05
Company: Experian Information Solutions Inc.
State: MD
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation