BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a copy of a lawsuit showing that my motion for summary judgment against Plaintiff XXXX XXXX was granted. The court agreed that Plaintiff sues the wrong XXXX XXXX and/or the wrong person as my account was not the one for the basis of the lawsuit and the information in my credit report is wrong. It should have been removed. I have notified each credit reporting agency multiple times yet XXXX XXXX   continues to report incorrect and/or inaccurate information concerning a purported charged off debt that isnt mine. They even hired a XXXX law firm to sue me and their case was dismissed after I proved to the court the account wasnt mine. Please order or direct them to remove this error from each of my credit reports.

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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: MOHELA
State: SD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I have had nothing but trouble since having MOHELA as my loan servicer. I applied for PSLF in XX/XX/XXXX. My employer was never certified, and to this day no payment counts have been updated. I attempted to discuss these issues many times with MOHELA and was always given the same response to " just be patient and not worry. '' Well, a year later nothing has been updated and nothing has changed. I have since left my employment with XXXX XXXX to care for my children, however, I should have a year 's worth of service calculated. I do not. MOHELA failed to correct these problems, gave poor advice, and did not care that I was trying to find a way to pay off my student loans. 

My current student loan balance is exceptional. It is {$380000.00}. I am enrolled in an income-driven repayment plan which makes my payments {$0.00} due to family size. Clearly, I am never going to pay this loan off in my lifetime, however, I am unable to file bankruptcy or find another way to lessen the burden. The loan will haunt me forever. I have worked so incredibly hard to rebuild my life from a very low place 10 years ago, and I continue to hit brick walls set up by the system. There is no relief, there is no future. I have XXXX children. I have thought about ending my life many times simply to be free from this debt, but my children keep me alive, and I am blessed that they are in my life. 

The income driven repayment plan is helpful, making the payment {$0.00} a month. Even with current credit, however, I can not get a loan because of the amount of debt I carry. It is a pointless consolation for people in my situation. 

This brings me to the most recent error on MOHELA 's part. My statement on XX/XX/XXXX had my payment amount at {$0.00}. The statement on XX/XX/XXXX has my payment listed as {$4200.00}. I have read other people saying they had been approved for a {$0.00} repayment amount and got a bill for {$300.00}. Try getting one for over {$4000.00}. It is insulting, it is unethical, and I am tired of trying to get answers from this loan servicer. I am tired of fighting a losing battle against an opponent so large it can not lose. I simply want to be free from my debt and no longer have to endure the anguish of trying to make this right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: Experian Information Solutions 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 XXXX  Account XXXX XXXX # XXXX, Account XXXX XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, 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, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please 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 2023-11-29
Company: LoanCare, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I have been attempting to pay my mortgage since XX/XX/XXXX. My loan is with Loancare/XXXX XXXX XXXX After being unable to log into their website for over a week, I finally googled, and learned thru other avenues that there had been a cyber security attack with Loancare. I was never notified of this by the lender, I learned it via XXXX. I have been daily trying to log in to make the payment, and the website is still down. I have called Loancare, and there is only a recording that says " agents do not have access to your account right now ''. There is no option to make the payment. If I had been notified timely by the mortgage company, I could have mailed the payment in time. At this point. I will be unable to make my XXXX payment, as tomorrow is XX/XX/XXXX, and there is still no update on the cyber hack. I do not want to be reported negatively as being 30 days behind, as this is not something I could have prevented. I feel the company was negligent in not calling or emailing mortgagors. I'm also concerned that there is a class action lawsuit against them from XXXX of XXXX, and that they are not taking the necessary precautions to prevent this.

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 2023-08-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate 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 2023-06-28
Company: EQUIFAX, 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:
To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate and remove the late payment. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate and remove the late payment. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 


Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity. 

Thank you for your help and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-13
Company: TD BANK US HOLDING COMPANY
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
We have a line of credit ( overdraft account ) that we have not been able to close. Fees keep getting charged that we cant seem to get the bank to close it. We have paid the account off again after being reported to the credit bureau the months of XXXX and XXXXXXXX XXXX XXXX We realized the account was still open due to the sudden drop in our credit scores. The account was closed again in XXXXXXXX XXXX XXXX. TD Bank acknowledges that the account should have been closed in XXXX but only offers that we start a handwritten appeal process to resolve the credit reporting issue. All the other accounts that we had with this bank were closed years ago, but we still Paid off fees that seem to accrue even though we no longer have access to the accounts. I requested the history on the accounts, but couldnt get to the correct person or division to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-06-29
Company: Meridian ARG Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This fraudulent company ( XXXX XXXX XXXX  ) calls repeatedly, using an application to go directly to voicemail, and leaves a threatening message regarding an unspecified debt. When you attempt to call them, they refuse to answer any questions or remove the number from their calling list. They instead threaten you further and then hang up. They're just trying to scare people into giving them money with phony claims of debtors prisons. 

I kept calling back every time they'd hang up on me, they ironically threatened to report me for harassment. However, eventually they agreed to stop calling if I agreed to stop calling them. Give them a taste of their own medicine, and mention this bureau, they crumble like a dry cake.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My credit score with Tansunion suddenly dropped from XXXX to XXXX with no reason given. It was very surprising because I had THREE positive changes in my usage of credit, total debt and available credit with no negatives reported with the drop in my credit score. My XXXX  score is at 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 2023-08-20
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband is XXXX XXXX military, retiring form the XXXX, and we were applying for a VA home loan at Navy Federal Credit Union. We received a pre-approval letter by them and started looking for a property. We put several offers on multiple properties and finally were able to get one under contract after a lot of work. Navy Federal Credit Union asked for fianancial documents and we submitted them. We really wanted this property after the long road to find it. Along the way the bank told us that underwritting declined our loan. I asked why and they said that they only taking into account my husbands retirement income and not his XXXX XXXX income ( he has more than 12 months left and other loan officers had said he could use his XXXX XXXX income ). Also because our high debt to income ( DTI ). Since we were desperate at this point I inquired about other loan products and my loan officer said he could not help me. He did not care. I asked him if we don't qualify for the XXXX XXXX loan we were asking for, then what is the amount that we are allowed? We could have searched for a smaller property? He said he did not know. He just wanted to brush us off. Also along the process, they ran our credit score twice. Once at the beginning and once toward the end. Their sevice is limited and only respond during certain times. There is no customer service or empathy. We lost the deal and are extremely dissappointed with the outcome of our experience.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: MD
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 these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX : {$96.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Hello XXXX XXXX continually failed to verify accounts on my credit report. I have asked for accounts to be verified nth XXXX XXXX has never responded to me. So how is expert an verifying this information. According to her phone call I had with a XXXX rep they count on the company to verify this info. That it self is wrong and against the law. 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.

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 2022-12-20
Company: Experian Information Solutions Inc.
State: MT
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 so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/2006 Balance {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I have noticed equifax dropping my score drastically on Accounts that where closed because these were paid off, instead of increasing my score like it has done on other credit agencies like in XXXX. 
My XXXX  is reporting accurate and ok and my score increases like it should.showing correct score and updates. 
Also noticed hard Inquires that I have not requested only showing on my equifax not on XXXX. 

Equifax dropped my score after successfully paying off a personal loan and closing my XXXX XXXX and other, also showing up Hard inquiries which are unknown to me that also decrease my score. 

I been using credit freeze for own security purpose and have noticed that Equifax since they started charging for every service are intentionally decreasing scores at their own will for force consumers into payment of their. 

I have had excellent credit for years, over XXXX and last few months only Equifax started decreasing my score till reaching the XXXX points from a excellent to fair credit whic is affecting my fico overall. 

All my accounts have been either successfully paid off and existing ones are current and up to date on payments. 

Equifax should stop this and correct my score to XXXX  XXXXXXXX and stop trying to force consumers to boost scores with their service or trying to charge services in order to increase scores. Shameful that responsible people with Excellent scores like myself. 

Right now just checked thru XXXX XXXX and XXXX shows my score XXXX vs Equifax XXXX.

Company response to consumer: Closed with explanation