BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE 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:
On XX/XX/22, I discussed the potential that phony accounts may have been reported on my consumer file with representatives from XXXX, XXXX, and Transunion. I begged them to delete the accounts because I didn't know how they got there or anything about them. All three businesses gave me the go-ahead to submit paperwork and complete an FTC report XXXX On XX/XX/22, submitted my letters via certified mail. The accounts were somehow " confirmed, '' despite the fact that they are not mine and had been on my report for more than 30 days after I sent my letters. This problem has me baffled and irritated since it prevents my family and I from being able to purchase. On XX/XX/22, I called all three companies once more and asked how they could establish that these accounts belonged to me. They only stated that they were unable to assist any further and advised me to contact the creditors directly. It didn't surprise me when I made an effort to get in touch with each creditor who had been erroneously asserting on the consumer file that they were unaware of me or the accounts. I had run out of options, so I went online and found the CFPB website, which some of my friends had advised would be helpful in my circumstance. I sincerely hope that this is helpful since my family and I are trying to apply for a house.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04
Company: 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 erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be investigated and updated 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 early XXXX, I sent a letter to LCI requesting that they verify the validity of XXXX XXXX Bankruptcies appearing on my credit report. Because Trans Union informed me that XXXX  was furnisher of public records ie XXXX 's. XXXX responded back with the results of their investigation. They determined that the Banruptcies were accurate because of paperwork they printed from XXXX. I had informed them that was inaccurate. Becuase I have never filed. I have been dealing with this for years. By them not doing the proper and detailed investigation because they are the ones furnishing this unverifiable information without my consent, it is defaming my character and harming financially, because again they are refusing to conduct a proper investigation. I was told to go the courthouse by them and get it corrected. First off XXXX court does not furnish information to credit furnishers and CRA 's, Secondly since they took the liberty to report inaccurate information, I think its their job to ensure accuracy prior to sending public record information to the credit bureaus.Since they claim to be a furnisher for FCRA purposes and deal directly to Trans Union. Under law my credit report should have the most accurate information possible. I also contacted XXXX and requested them to validate any XXXX  XXXX 's that be on my credit file. I was sent a letter from them dated XX/XX/2022 indicated that their investigaton was complete and it was determined that data being reported as unveriable and has been removed from their records. And confusing is they used the same method of verification as XXXX. I am willing to take further actions if XXXX  and Trans Union continues to not take my request seriously. 

I am enclosing letters from XXXX, XXXX, and XXXX XXXX court house

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: MOHELA
State: AE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am a PA resident and voter who is currently stationed at XXXX XXXX in New York. I would appreciate any assistance your office can provide me with navigating a PSLF process that appears to be completely unresponsive to military borrowers with student loans that are fully dischargeable under the PSLF program. I have been an XXXX in the XXXX XXXX since XXXX. Last winter I consolidated my remaining federal loans ( amounting to approximately {$41000.00} ) into direct loans to take advantage of President Biden 's limited PSLF waiver program. In XX/XX/XXXX I filed a PSLF application with XXXX -the then servicer of said loans. In XX/XX/XXXXXXXX XXXX erroneously rejected my application on the basis that the end date of my qualifying federal service listed in the application was purportedly before the listed start date. This was, in fact, an incorrect reading of my application which plainly lists that I am still employed with by the XXXX XXXX. After no less than six calls to XXXX in which i waited on hold for periods exceeding 2 hours, XXXX acknowledged the error and said it would continue to process my application. In total I spent more than XXXX hours waiting on hold or speaking with XXXX employees in an effort to resolve the matter. In XX/XX/XXXX, XXXX transferred servicing of my loans to Mohela. Unfortunately, XXXX did not transfer my purportedly pending application to Mohela along with the loan servicing responsibilities. I spoke with a Mohela representative ( again after multiple hours on hold ) who advised me to resubmit a PSLF application and assured me that my application would be expedited. As of XX/XX/XXXX my application still has not been processed and multiple attempts to resolve the matter with Mohela have been unsuccessful. Over the past XXXX months I have spent hours navigating Mohela 's phone system which either traps me in an automated loop and does not allow me to speak to a live representative or places me on hold for upwards of XXXX hours at a time before disconnecting me. The XXXX order mandated COVID forbearance in place on my loans expires next month -at which point I will have to resume payments on loans that should be fully XXXX. I'm not sure if your office can help, but if so, I would greatly appreciate some assistance. If you are unable to assist, I would appreciate it if you would take note that I am not the only service member having difficulty navigating the XXXX waiver process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX several fraudulent charges appeared on my card ending with # XXXX. I was issued a new card with a new account number ending in # XXXX. I made several charges on my old card for a XXXX XXXX  which I had to cancel. XXXX refunded the money on XX/XX/2022 to the account ending in # XXXX in the total amount of {$13000.00}. We also had XXXX refunds from XXXX in the amounts of {$4.00} each, totaling {$9.00}. I also made a payment on my balance due for {$2900.00}. All these refunds, {$15000.00} total, were credited to my old account ending in # XXXX. I would have assumed that the credit card company would have merged these XXXX accounts but they did not. The credit card company was undergoing a system outage/update which made it extremely difficult to contact them via phone, email, even snail mail. I called many times and hung on the queue for extended wait times for Customer Service and was hung upon or disconnected intentionally. I wrote XXXX letters asking to have my money returned to me. On my last XXXX statements, there was a notice that they would send a check in 60 days, then 30 days and on this last statement, there was no check forthcoming. I feel I have been patient long enough since they have had this money since XXXX XXXX. I would like my money returned to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-03
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: Account status incorrect

Complaint:
Experian Credit Bureau I have been monitoring my credit report for more than 6 months to understand how it really works. Yet, I still have a lot to learn. However, I found out surprisingly Experian Credit Bureau has a speedy habit to process adverse transactions at a higher rate than they do for positives ones. I think this practice is unacceptable. Anyway, recently, I filled a dispute against XXXX XXXX  for reporting a late payment on my report which they were responsible for. Yet even though I explain clearly what happen, they just kept it on my file. They just believe what the bank said. Recently, I paid off a credit card on XX/XX/2022, and I bought something with my XXXXXXXX XXXX I was chocked to realize that the report the XXXX transaction after just one week as a result my credit usage went down. Surprisingly, until now my credit card paid off is still not showing up on my credit report which would have been beneficial by boosting my credit score up to XXXX at least. These people they are helping the middle class they are just working for the rich.

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 2022-11-03
Company: Experian Information Solutions Inc.
State: OH
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 did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that Experian did not make sure it was reporting 100 % correct. 

The Fair Credit Reporting Act states that everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

I sent a letter to Experian in XX/XX/2022 requesting them to remove this inaccurate information. They replied that these accounts were investigated and came back as verified, without stating who conducted the investigation, their process or how they were able to find that these accounts were valid when there's obvious inaccuracies showing on my report. 

As a consumer, I now request to know all the steps Experian took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. 

I also would like to be sent a copy of the following documentation that would need to be had to prove that these accounts are valid : The original contracts that were provided to verify debt. 
Payoff and Interest Disclosures Balance and Payment History for all debt Credit Insurance Who verified these accounts? ( Provide the department and Supervisor contact information ) How were these items verified? 
The original contracts that were provided to verify debt. 
Payoff and Interest Disclosures Balance and Payment History for all debt Credit Insurance

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 2022-11-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received a copy of my ( XXXX, Experian, XXXX ) credit report, and noticed some late payments posted on my credit report : XXXXXXXX XXXX XXXX- ACCOUNT NUMBER : XXXX Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

All three of the credit bureaus are in clear violation of the law. Under 15 U.S.C Code 1681b - Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six month, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above reference account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 U.S.C 1681n ]

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 2022-11-04
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:
I am requesting this myself for you to take necessary action about the errors being reported on my Transunion Report. I am so baffled by this situation. I am not connected to any credit company or any of its kind. I have been reaching out to Transunion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. They have provided XXXX VERIFIABLE PROOF. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially ... and I would truly not what to pursue a legal remedy... Below, are the items they should DELETE from my file : XXXX XXXX, XXXX CARD XXXX, XXXX CARD 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 2023-09-16
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
They are using prior delinquent payment status on discharged debits that is effecting my credit score which will lead to a diminished quality of life for my family and I to be able to rebuild credit after a court discharged bk.

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 2022-11-03
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX Of XXXX I reported to CFPB In regards to the XXXX XXXX account ending in XXXX. XXXX and XXXX at XXXX Between XXXX and XXXX Eastern Time, XXXX XXXX XXXX is still Reporting incorrectly to all Major credit bureaus. On XXXX I spoke with a representative confirming all what I have paid and what was still owed, The representative confirmed I have made XXXX in Payments to the above referenced company not one payment has been reported to the bureau. Monthly the payments are showing CO which stands for Charge OFF. The balance on the report shows XXXX the representative told me on XXXX the balance was XXXX. The report has a total of XXXX late months " XXXX 9 months '' which means would mean I never made a single payment ever on the account. The account was settled XXXX which they stated in the response in the last complaint. so if I have made payments why would my account balance not reflect the payments made or the arranged balance. I have attached correspondence from XXXX and XXXX. All Items in Exhibit B are inaccurate, invalid, not timely and carry no documented evidence of the true and accurate facts. To the least they have not been authenticated as per my rights or requirements you are damaging my character, creditworthiness and well being by falsely reporting balance and being non complaint reporting unverifiable account information. 

Exhibit A - Corresopndence from XXXX and XXXX stating the balance owed as of XX/XX/XXXX Exhibit B- My Experian Credit Report That shoes XXXX negative payments and a incorrect balance owed. The payments the have received for the last 2 years are not reported.

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 2023-01-05
Company: EQUIFAX, 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: Account status incorrect

Complaint:
The first delinquent date changed to year of XXXX after I made a payment in that year. I made a payment because it was showing an open balance. 

The first delinquent date was XXXX. This is in violation of my rights and the Fair Reporting Act. This account is past the seven year reporting limitations. 

I have called their customer service several times f for several years, since XXXX. I have disputed the information with the credit agencies and they keep coming back stating the same, but not really investigating it for me. 

Because the date of first delinquency changed my credit score went down XXXX points. This stopped me from getting a home loan for the family. Everything lender needed was accepted but then the score changed.

Company response to consumer: Closed with explanation