BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no 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 explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: NJ
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 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 explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: MI
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EdFinancial Services
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Contacted ED financial on XX/XX/22 for a refund on payments made towards a loan during the covid refund policy. have called multiple times and have been given no updates, upon checking online others have been getting refunds within weeks meanwhile I'm going on 7 weeks. Tried asking to get my claim escalated to someone to review looks like this may be the only way. as of today XX/XX/22 online balance still doesn't reflect the refund and nothing has been done to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Nelnet, Inc.
State: SD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
As student loan payments and interest were set to resume on XX/XX/XXXX, I applied for the new SAVE Plan in XXXX which ensures any unpaid interest does NOT capitalize onto the principal balance. NELNET has still not processed my application, although it reported to the government that it did, and in the meantime has continued to charge interest and capitalize it onto my principal balance, growing my loan by about {$1000.00} per month! I specifically requested an extension of the Administrative Forbearance during the application processing period, which was granted by NELNET, and then removed without my authorization, without cause, and without explanation two days later.

The government 's guidance has been clear : administrative forbearance is extended for at least 6 months from XX/XX/XXXX to allow servicers to process applications and no interest should accrue during that time so long as a loan holder applied for the SAVE Plan. From the studentaid.gov website : " However, no interest will capitalize until at least 6 months after the payment pause. '' " As of XX/XX/XXXX, unpaid interest on your loans wont be added to your principal when you leave any IDR plan, except the Income-Based Repayment ( IBR ) Plan ( where capitalization is required by statute ). '' " If you applied for the SAVE Plan close to your bill date or before your required payment due date, your servicer will place you in a forbearance status for the upcoming billing cycle while they process your application so that you do not pay more than you need to. Your servicer will also place you in forbearance if they can not process your application before these dates. '' I have spent countless hours on hold with NELNET only to be told there is nothing they will do to fix the problem and I will accrue interest until they are done processing my application, which could take months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, 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:
XXXX XXXX keep listing an old XXXX  XXXX credit card bill thats 12 or almost 13 years old opened in XXXX. XXXX  XXXX keeps selling credit card debt to different agencies and keeps punching back the date it should be removed. I had a XXXX  XXXX and couldnt pay it. Now XXXX XXXX is listing it. Ive dispute the dates but have no way of proving I stop paying in XXXX so its at least 10 years past due. I cant see when this is going to come off?? 20 years? Pleas help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Since  XXXX   XXXX ,  XXXX   XXXX   XXXX  has been reporting  XXXX  collection debts to my credit. My understanding is that  XXXX  relates to an old   XXXX   account P.R.A. purchased, and the other relates to an account originated with  XXXX   XXXX   XXXX .     I also understand that P.R.A. is allowed to report the account as a collection to the various consumer credit reporting agencies, if it meets certain criteria. Unfortunately for me, theyve decided to report each account to the credit reporting agencies  XXXX , utilizing different account numbers. For example, the  XXXX  account was reported by  Portfolio Recovery  to  XXXX  under account number "  XXXX  '' while  Portfolio Recovery  simultaneously reported it to  XXXX  and  XXXX   XXXX  with account numbers "  XXXX . '' The reports are identical, i.e., the amount shows as {$3100.00}, and the report indicates the delinquency date is from  XXXX   XXXX . The only difference is that  one  report was made utilizing "  XXXX  '' and the other reports with "  XXXX . '' This causes me a big problem because when creditors run combined reports, where data from  XXXX ,  XXXX  and  XXXX  are merged into a composite report, it causes the debt to report  XXXX , i.e. {$6300.00} shows instead of {$3100.00}. I have spoken to the various credit bureaus and each confirmed the reported account number showing on the report is exactly what P.R.A. reported to them.     I have made disputes multiple times, and each time P.R.A. apparently has verified its information as accurate and should remain reporting exactly as it is. As the differences are apparent even to a layman like myself, I can only assume Portfolio is intentionally reporting these accounts as multiples, and therefore inaccurately.     As of  XXXX   XXXX ,  XXXX ,  Portfolio  collections are still reporting single accounts with different account numbers from  one  bureau to another.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03
Company: CITIBANK, N.A.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a complete modification package on   X/X/17    . I was advised my loan was assigned to underwriting on  X/XX/17   . I have been asked to submit the same documents and updated documents and i have sent them everything they need. I started this in  XXXX  and it is  XXXX  now. 4 months and they tell me every time i send something in my loan goes to the bottom of the list and that the review can take  2-8  weeks to review. It has been more than 8 weeks now. Please help me.

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 2023-05-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX  XXXX XXXX XXXX, Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
To whom it may concern, Back in late 2015 I along with 6 of my coworkers experienced layoffs due to the oil and gas market crashing. This turned my life upside down and I can't remember a time of feeling more stressed out. As you can imagine this put a huge strain on my finances and therefore I was forced to downsize by breaking lease with my land lord and had to trade my truck in for a more economical vehicle. Luckily my landlord was very understanding and knew that I was a good tenant and granted my wish with no refractions. I was extremely grateful as you could imagine. During this time I had great difficulties finding employment though. My background is oil and gas production and no one was hiring. I did what I thought was a good idea at the time and enrolled in a community college and took a very low paying job at a golf course. I was barely getting by and through it all was mounting up credit card debt. Low and behold I found myself hurt on the job with a back injury that still nags me from time to time till this day. I had no choice but to take two months off due to the injury, which was debilitating physically and financially. Inevitably the credit card debt piled up and I could no longer make payments towards it. XXXX XXXX then turned the account over to collections and it has been on my credit report ever since. I once filed a dispute about this and had it removed briefly and unbeknownst to me was randomly put back on my personal credit report by Portfolio Recovery Debt Collections. This is wrong, unethical and illegal. If this formal complaint doesn't resolve the issue I will be seeking legal action. I would like to refinance my truck and buy a home but this ding on my credit report is a huge XXXX eye that keeps me from getting a more favorable interest rate and lower monthly payment. Thank you for your understanding and for reviewing my complaint. Kind regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Bread Financial Holdings, 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:
FRCA Violation credit card COMENITYBANK/VICTORIA XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX  XXXX, Account name : XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-11-20
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: Account status incorrect

Complaint:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. XXXX XXXX XXXX, 993 F. Supp. 2d 1154 - Dist.

Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2017-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited  XXXX  Cashiers checks in my Bank of America  Checking acc ount on  XXXX  in the amounts of {$21000.00} ( a Bank of America  Cashiers Check  ) and  XXXX  " Official Checks '' drawn on   XXXX   XXXX   in the amounts of {$50000.00} and {$6700.00}. Bank of America put a hold of {$44000.00} on the funds, i.e., the paid {$32000.00} into my account until  XXXX . That means they paid the {$21000.00} Bank of America check and {$11000.00} of the  XXXX  checks. I called up bank of America both on  XXXX  and on  XXXX  and get sent around finally to the  Manager of the Escalation Dept. who was of little help and   described that they were working under Federal Reserve CC. I did look it up and it seems to me since I made the deposit in person they should have the funds available to me sooner than  one  week. I certainly need the money sooner than  XXXX . Can you help me?

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 2023-12-19
Company: Experian Information Solutions Inc.
State: AZ
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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3200.00} 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