BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX, SC XXXX ; XXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$6300.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I disputed negative and inaccurate and incomplete information on my credit report with all three bureas Transunion, XXXX XXXX on XXXX, XX/XX/20, XX/XX/20 and they have yet to respond to any of my letters.

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 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX  XXXX XX/XX/XXXX  XXXX XXXX  XXXX XX/XX/ XXXX XX/XX/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 2023-08-17
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for 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

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 2020-09-30
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:
Accordingt to Equifax, In XX/XX/XXXX, I closed my XXXX account with a XXXX  balance. In XXXX of XXXX XXXX has me making four payments on this. In XXXX they show me making 12 more payments. In XXXX they have me showing over 180 days late and then the account shows closed. How and why would I make payments on an account that was already closed?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have been attempting to work with USAA regarding my autoload which is XXXX past due. I want to pay this and cure. I have called only to be handed around to 7 different departments and none of them could help me in any meaningful way. 

I was involved in a a series of medical procedures that I just recently because conscious from and that I needed a little more time to pay the past due balance. Instead of working with me and giving me more time USAA simply hands me around to the next Represenative and each Represenative can't give me the 10 additional days I am requesting to cure this. I couldn't ' pay due to a major life changing medical event and USAA doesn't want to modify, defer, assist, extend, ... nothing. They simply threaten repossession of the vehicle that I rely on to get to my many medical appointments. 

I am requesting that USAA give me 10 more days to pay and cure this debt. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have two accounts appearing on my credit report and one credit inquiry delete accounts and inquiry 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 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Im accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. XXXX5 U.S.C 1681 section 602 A. States I have the right to privacv. 15 U.S.C 1681 section 604 A section it also states a consumer reporting agency can not furnish a account without my consent. 

Credit inquires Trans union XXXX XXXX  XXXX Bank ) XXXX XXXX XXXXXXXX XXXX Auto ) XXXX XXXX XXXXXXXX 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

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 2022-10-05
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX2nd issue, same company, different problem. ** I called XXXX yesterday, XX/XX/2022, to extend my forbearance for my loan account and spoke with XXXX @ XXXX at XXXX and was told that as of XX/XX/2022 a processor had removed my loan from forbearance after my approval letter was generated XX/XX/2022 to include XXXX, XXXX, and XXXX payments within the forbearance period. I asked why my loan was taken out of forbearance and XXXX advised this was due to the fact that XXXX payment was made and the processor assumed the forbearance was no longer needed. I told XXXX this was because I continued to receive letters in the mail requesting additional information for the COVID forbearance ( even after a signed hardship letter, bank statements, and a copy of my layoff papers were provided ). I called several times to confirm the forbearance but none of the representatives I spoke with showed this was placed on my account in XXXX. To avoid negative credit reporting, I borrowed funds from family to make my XXXX payment. I then asked why no one made contact with me to let me know they were taking my loan out of forbearance and she said there were notes on the file that indicated an outbound call had been made, however, no message was left. I told XXXX this was more than unacceptable and also questioned why she was the first person to notice and convey this information to me ( even while calling several times in XXXX ). I did not receive anything in the mail to let me know my loan had been taken out of forbearance nor did anyone make contact with me to communicate this. XXXX advised she would go back to the processor who took my loan out of forbearance and tell them to backdate it from XX/XX/2022 through XX/XX/2022 and that she would follow back up with me by the end of the week. However, at this point, I have no faith in anything Im being told, as the story changes with every representative I speak with. I need assistance putting my loan in the proper forbearance, as indicated in the agreement sent and dated XX/XX/2022 and to include an extension to the original agreement. This is beyond maddening and frustrating how a person has to go through so much nonsense for something that should be relatively simple to follow. 

( **Ref case # XXXX, for other case information relating to additional complaint against this company for not following federal guidelines. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
PHEAA/AES has a " policy '' that seems to allow them to force the payment processing time up to 2 business days in order for them to actually Post the payment. This would not be an issue, except for the fact that PHEAA/AES reflects an account as still being past due even after the threshold of time has been surpassed for the specific Payment Effective Date. So, in essence, they are providing invalid information to borrowers because of their " delay '' of processing the payment. When the effective date has gone, PHEAA/AES makes no attempt to correct their database to reflect that the account is no longer in delinquency. This sort of refutes their stance that when an account is past due, they feel the need to send repetitive notices harassing the borrower until it is paid, but then they can not even process the payment in time in order for the account 's delinquency status to be updated on or directly after the effective payment date. 

Narrative : Payment that was delinquent as of XX/XX/2023 was scheduled to be paid for XX/XX/2023. The account still shows the account as being in a delinquent status even though the date of XX/XX/2023 has come and gone. While it may take their company 2 business days to post the payment, they don't have the right to continue to claim the account is past due, because I effected the payment for a day in the past. 

PHEAA is in breach of one or more statutes here. I believe they should re-visit these regulatory requirements and make sure they are not violating anything ... although I do believe in part, the above scenario as a technicality potentially is in violation. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute these fraudulent charges on my accounts. I am a victim of identity theft, and I did not make this charge. I am filing this complaint for myself not anyone else. Remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the accounts. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

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 2021-05-17
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hello, I know that FedLoan servicing is tasked with an immense project for maintaining records for borrowers attempting to receive Public Service Loan Forgiveness, but the customer service I have received has been deplorable. I have kept records of every interaction with their representatives for the past three years because I can not trust anything that occurs with this provider. 

Today, for example, I was on the phone for 46 minutes attempting to resolve an issue with my employment certification, 30 minutes of which ( at least ) were on hold. Did I mention that I was attempting to call about a form I submitted two months ago, which is not showing on my account? The turn-around time for this form should be 7-10 days. Basically, any transaction I try to complete with FedLoan takes a quarter year to complete. Yes, you read that right : a quarter year. Three months. 

Anyway, after being told that everything looked fine on their end ( but their website was acting " glitchy '' ), I was told to wait a few days and check my employment certification again. I then received two call-backs that I missed. When attempting to call back, I was sent to three different customer service reps in rapid succession with no explanation. In the end, I found someone willing to speak to me, and they told me they'd submit some kind of request and to check again in 7-10 days. I was never able to find the original customer service representative that called me back.

7-10 days. Again. 

I don't know what to do at this point. It's been three years of headaches dealing with FedLoan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to file a formal complaint against Experian for reporting unlawful information and accounts on my credit report. Despite numerous attempts to rectify this situation, Experian has failed to comply with federal law and I believe they need to be held accountable for their actions. 
I recently discovered that there are several accounts listed on my report that are not mine and have never been authorized by me. These accounts have negatively impacted my credit score and have caused me significant financial harm. 
I have contacted Experian multiple times to request that these accounts be removed from my report, but to no avail. They have failed to provide me with a satisfactory resolution and have not followed federal law in their handling of this matter. As a result, I have decided to escalate this issue to the Consumer Financial Protection Bureau. 
I am seeking your assistance in resolving this matter and ensuring that Experian is held accountable for their actions. I believe that they have violated my rights as a consumer and have caused me undue stress and financial hardship. I am requesting that Experian be required to remove the unlawful accounts from my report and that they be held accountable for any damages that I have suffered as a result of their actions. 
Thank you for your attention to this matter. I look forward to your prompt response.

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 2020-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response  received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not 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 2023-07-07
Company: Experian Information Solutions Inc.
State: PA
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/XXXX there was fraudulent activity on our account. Both my daughter and myself are on this account together. The account was scammed in the amount of XXXX. There were two separate checks put into the account by a scammer on the XXXX in the amount of XXXX and XXXX. My daughter called the bank on the XX/XX/XXXX to alert the bank of the fraudulent activity on the account. She was told to contact the fraud department for further investigation. Once she contacted, she was further instructed by the fraud department that she was responsible to repay all monies at this point. This was before the investigation even started. From here on out we have not been called back to be updated on the status of this claim. The amount in question totals XXXX. This was the final cleared amount from the fraudulent checks. We are now being told that we would have to repay this amount. There was no help from the bank in this matter. We were advised later on after case was opened, to file a police report. We have complied with the bank and filed the report. Since the report was filed no one from the bank even asked for a copy of the report. Or even further investigated into the matter. This matter has been going for a month now. As of today I visit my local bank in town to speak to the branch manager again, only to find out he was not in. I spoke to an assistant of his to was tying to assist. She was able to get a hold of a manager in the fraud division. I spoke to the gentlemen in the fraud division who then proceeds to tell me they have closed the case. We are now being threatened to be taken to collections for XXXX. This case has not been resolved or fully investigated. I am seeking help. Where is the consumer protection?

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 2020-09-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX, have been having issues with someone using my identity to open accounts since XXXX of 2012. I have seen several accounts and inquiries show up on my credit reports that I am no responsible for. I am not sure of who may have obtained my information. I would like to have all fraudulent accounts and inquiries removed. The information of this activity has already been reported to the credit bureaus. I have also filed a police report for this incident.

Company response to consumer: Closed with explanation