BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-18
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Company has charged me XXXX dollars in fees in 45 days. They are stealing my money on transactions i have cash for pos service. They are closing my account and refuse to give me my money back they have caused me to be late on rent and not have groceries in my house its ridiculous. XXXX dollars charged in funds for transactions they paid but i declined overdraft service and i had money in the account.XXXX dollars XX/XX/XXXX. XXXX charged on XX/XX/XXXX. XXXX on XX/XX/XXXX. XXXX on XX/XX/XXXX. XXXX on my XXXX. XXXX on XX/XX/XXXX. XXXX on XX/XX/XXXX. XXXX dollars on XX/XX/XXXX. XXXX on XX/XX/XXXX. XXXX on XX/XX/XXXX. XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
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: Old information reappears or never goes away

Complaint:
As of today XX/XX/2020 when checking credit report XXXX has reappeared on credit. report. Please remove now this account was reported as fraud and successfully removed back in XX/XX/2020. This account was not opened in my name and was removed from my account when the fraud alert was removed the account has reappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX & XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; Discharged XXXX : Bankruptcy Reference Number XXXX ; XXXX Filed : Bankruptcy Reference Number XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX , WI XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$840.00} ; XXXX XXXX Bankruptcy : Bankruptcy Reference Number XXXX ; XXXX XXXXXXXX Bankruptcy : Bankruptcy Reference Number 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 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
In XXXX I financed a vehicle with XXXX. In XXXX I disputed inaccurate delinquencies. My proof of on time payments was dismissed by XXXX and the credit bureaus. XX/XX/XXXX I received a redress check for {$100.00} plus a letter from XXXX which now owns XXXX. I cashed the check then submitted a copy of the letter to TransUnion and XXXX. XXXX dismissed my dispute because the letterhead says XXXX and not XXXX. They said I dont have a XXXX account on my report ( because its XXXX. ) TransUnion closed my dispute without correcting my credit report. They said they are basing it off what information XXXX tells them!!! The CFPB lawsuit, ruling, and the fact that I received a redress payment means NOTHING TO THEM. XXXX ( XXXX ) is in violation of pages 26 and 27 of the court order requiring them to correct errors on my credit report. Its my belief that their paperwork is so bad that it can not be accurately adjusted so my request is for the entire account to be removed from my credit report. I believe XXXX needs to send letters to all credit bureaus. I also believe they now owe me more than the {$100.00} redress since they are in violation of the court order and they are violating the rules in general. I want them held accountable in a swift fashion.

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 2019-06-18
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2019 I was illegal served a summons on behalf of Midland Funding LLC. The summons was placed at my apartment gate exposing personal information to neighbors and the general public. This is after I have written to the credit reporting agencies asking Midland to verify this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$70.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.

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 2022-12-22
Company: EQUIFAX, INC.
State: SC
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
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 is missing that should be on the report

Complaint:
A few months ago, I had gotten the Credit Score up to XXXX ; for some reason, they then took off my Student Loans for 1 month and the score went up to XXXX, they then put the Student Loans back on my credit and dropped the score 100 points. That is fraudulent activity, I have screen shots of my score and worked hard to increase it. I want my score back to XXXX, because it was never without my Student Loans before, so it was fraudulent to remove 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 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
cHECKED MY CREDIT REPORT AND NOTICED THAT THE ACCOUNTS IN MY CREDIT REPORT ARE NOT MINE REACHED OUT TO THE AGENCIES WITH NO HELP AND ITEMS STILL THERE

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 2022-12-22
Company: Experian Information Solutions Inc.
State: NC
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:
On XXXX XXXX I summitted disputes to all Credit bureaus, plus a complaint to XXXX about XXXX XXXX  falsely reporting late and derogtory remarks on my credit reports. I was on a loan modification from losing my job from Covid 19. 
XXXX contacted me back and fixed my report. XXXX and Experian still have not. I hired XXXX XXXX XXXX for help on XX/XX/XXXX. As of today XXXX XXXX still have not got a response from them. XXXX XXXX took over my loan on XXXX XXXX XXXX reports state XX/XX/XXXX, still not corrected. 
I have worked hard as a single parent to keep my bills paid on time. Please help me fix this issue.

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 non-monetary relief
Consumer complaint received 2019-06-18
Company: EQUIFAX, INC.
State: NC
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:
How are accounts be charged off for consecutive months and it still showing a remaining balance?! This is totally ridiculous. please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have an IDR plan that I have been trying to renew for weeks I have submitted the IDR paperwork twice. I have sent Navient 4 emails - I have never received a response from Navient. Now they are saying my loans are 2 days late. 

In the past they hid the email form on their website making it almost impossible to find. Now it is impossible to find. I've been looking for an hour. 

Navient is a highly unethical company. My loans are now late because they refuse to communicate with me about renewing my IDR.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: Experian Information Solutions 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:
While checking my recent credit report. I discovered a Fraudulent account in my credit. Account is not mine. I did not authorize this company to open an account under my name. I need this account deleted. Account information, 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 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 Act the list of Accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I had a mortgage with XXXX XXXX  which was closed 10 years ago inXX/XX/XXXX.XX/XX/XXXX ...

I see they added derogatory information on my report stating that I have been paying a 30-day late on my mortgage every month beginning XX/XX/XXXXuntil XX/XX/XXXX.

This is incorrect as the mortgage was closed in XX/XX/XXXX.

When I called XXXX to get this settled, closed and removed, the person on the phone, said, They were only trying to regain their losses.

This account should not be appearing on my credit reports.

The last date of Activity on my account with XXXX was in XX/XX/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 2023-11-08
Company: Experian Information Solutions Inc.
State: DE
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: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX, I paid my mortgage, as is customary. 
On XX/XX/2023, I was alerted via email that Experian dropped my credit score XXXX points, due my not paying my mortgage. 
Baffled, I spent numerous hours and days with various banks, the mortgage company and preparing an Experian dispute. This, as the mortgage was paid ( using the same method I've used for years ) ; however, I did not receive credit. 

After approximately a month of research, I learned that the mortgage company erroneously attempted to pull my mortgage from a stale account. 

Today, relative to the mortgage company XXXX XXXX XXXX XXXX error, Experian writes : " Well done! Your account is now reported as current. It was previously reported as late. You're well on your way to improving your credit health. '' Experian next 'returns ' XXXX points. 
I am bewildered, as due to the mortgage company 's error, I was hit with a XXXX point decrease. Thus, after it's proven that I did, indeed pay the mortgage and it was the mortgage company 's error, why am I only 'awarded " XXXX points? 
Some years ago, I experienced similar and the credit bureau may provide a mirrored reasoning. However, I also decreased another credit card by 87 %, but only received XXXX ( XXXX ) points with the following alert : " Your XXXX account 's Credit Usage significantly decreased to 0.87 %. 
Credit Usage is the percentage of available credit that you use. Low Credit Usage may have a positive impact on your Credit Score. '' Consumers are struggling to keep up with the exorbitant interest rate hikes. Shouldn't we at least receive an 'exact reversal ' of the credit decrease, when it's due to a lender 's error? Is crediting a consumer less than XXXX what was taken away, due to a lender 's error fair? 
Thank you.

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 2020-04-06
Company: Nelnet, Inc.
State: DC
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:
After Great Lakes was bought by Nelnet my law school loan was transferred. Nelnet offered a XXXX interest reduction for signing up with automatic debit. However, I have never received this benefit in the year that I have had automatic debit set up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report.

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 2023-09-11
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XXXX  # XXXX Date Opened : XX/XX/2022 Balance : {$2100.00} These above accounts were opened fraudulently I submitted a complaint with the FTC I'm attaching any documents to support my claim, and I'm asking these above items be DELETED from my credit file, Thanks, 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