BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many inquiries to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these inquiries. 

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 2023-06-29
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX Balance : {$4600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX  XXXX Balance : {$2900.00} XXXX XXXX Balance : {$75.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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. 


Has violated my rights. Or list of inquiries : 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 2023-09-08
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My car was totalled in XXXX. My insurance company has tried paying off my car in XXXX but they do not show any payment and keep trying to get me to make my monthly payments. I have made several attempts to call Bridgecrest to get this straightened out but it is always a random person that gives me no information other than we show no payment. I have asked for me and my insurance company to have one person to work this out and they refuse to give me a name and extension or anything. My insurance company has to talk to some random person, not even someone we are both in communication with. This seems like a scam to me. A reputable business should have someone you can talk to, to get things handled and situated with both me and my insurance company. All I can do is sit back and make monthly payments on a totalled car that my insurance company sent a check to, because they will not transfer me to anyone that can assist me or my insurance company. It is very frustrating and I can't keep making car payments on 2 cars

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: CO
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
The Student Loan Company XXXX XXXX XXXX XXXX XXXX is reporting payments late for the time period of XX/XX/XXXX - XX/XX/XXXX but I had been approved for deferment during that time period by 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 2023-09-08
Company: Synovus Bank
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had an account with first progress a XXXX  credit card with a {$200.00} limit. I had called to close the account and paid off the balance in full. I asked for proof to be mailed. A month later still no statements mailed and my access to the app and online portal was locked effectively preventing me from monitoring or paying on the account. It is a violation of federal law not to provide an account statement. I called in and the agent claimed the account was still open and when asked why he said a late fee had been charged. Come to find out they had not closed the account but instead had charged late fees for XXXX XXXX and XXXX months after it was closes and paid. When asked why three late fees and there should have been no balance they refused to provide or mail statements they just claimed the charges was valid. Ibmade a request to remove the fraudulent late fees which the entire remaining " balance '' on the card is just the fees. I have not used the card since paying it off since it was closed. First Progress is using deceptive banking practices such as fee gouging and refusing to provide account access to be able to even pay or monitor the account to charge over {$120.00} in fees on the card since it was closed. I even paid one of the fees when I closed the account not knowing it had been added. Since then two additional fees have been added to the closed account. This is illegal and to this day XXXX am refused accounting statements

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
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: Account information incorrect

Complaint:
Re : CFPB Nos. XXXX and XXXX XXXX XXXX Account Nos. ending XXXX and XXXX For account number ending in XXXX, the account was paid on XX/XX/XXXX and then again on XX/XX/XXXX, this is supported by my bank. XXXX shows no evidence of their claim of receiving it on XX/XX/XXXX and XX/XX/2017. No late fees were assessed and paid! XXXX XXXX response is an elaborate conjecture to include dates of notices sent to my official residence. I would expect notices of such importance to be sent via certified mail and therefore require a signature when received. To date, I have only received XXXX letter to my home from XXXX. I hereby request all evidence of XXXX XXXX claims of dates of payments on this account. If XXXX is unable to do so, they must adjusted my account to show no late payments, and reported accordingly to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: LEXISNEXIS
State: KY
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:
Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now, this is my last attempt before I take legal action. The law you are violating is clearly here. The civil liability law which I will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting the Congress make the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2019-07-02
Company: AMERICAN HONDA FINANCE CORP
State: VA
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:
Acura Financial Services phone # XXXX, have reported to all credit bureaus my account 30 days delinquent in XXXX twice, I have never been 30 days past due for this account, loan paid off back in XXXX. I spoke with XXXX from call center on XX/XX/XXXX and he reviewed account with supervisor XXXX, yet he was unable to provided me with supervisor contact information because they do not take calls which seemed unprofessional. I tried to refinance my loan with XXXX XXXX XXXX XXXX and was denied simply because I seem to be a risk due to XXXX fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX Balance : {$380.00}

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 2023-02-21
Company: Experian Information Solutions 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 accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts 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

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 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXXXXXX, 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 explanation
Consumer complaint received 2023-09-08
Company: LEXISNEXIS
State: LA
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:
I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notification from XXXX regarding a package being delivered to an address where I haven't resided for over 13 months. Concerned about this, I promptly contacted XXXX to inquire about the package 's contents. They provided me with a contact number, which ultimately led me to MCM ( Midland Credit Management ). 

Upon speaking with a representative from MCM, I shared my concerns and requested validation of the accounts associated with me. The representative initially attempted to verify my identity solely using my birthdate and then informed me about multiple accounts they held in their office under my name. In response, I reiterated my request for written communication and validation of the debts, emphasizing that I had not lived at the address they were sending information to for over a year. 

Despite my polite explanations, the lady on the phone appeared dismissive of my concerns and persisted in urging me to make payments. I informed her of my job loss last year and my current full-time commitment to college. I kindly requested, once again, validation of the debt, copies of all credit card statements, and a copy of the card agreement with my signature. 

Regrettably, the lady on the phone continued to disregard my requests and remained insistent on immediate payment. Frustrated with the lack of cooperation, I decided to conclude the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My account is on autopay and I checked my account status on XX/XX/XXXX online. I saw that my monthly payment increased and I did not think that I was properly notified of the change in terms. I double checked my email and my online account inbox, no statement was sent to me to notify of the change. I called on XX/XX/XXXX to tell them that I did not receive a statement through email and it is not in my online inbox. The last statement I received was XX/XX/XXXX, with a payment due date of XX/XX/XXXX. The customer service representative said they have a generated statement dated XX/XX/XXXX for my XX/XX/XXXX due ; the monthly payment amount can not be changed. I told him that I was not properly notified and that I would like an account adjustment for the overpayment they are charging me. I said I have a screenshot showing that they did not send me a statement. He said it doesnt matter because on their system it shows it was sent and they cant change my payment or change the payment allocation. He offered to cancel my autopay and put me on forbearance. I said no I dont have a problem paying, my problem is that I was not notified. I asked to speak with a supervisor and was on hold for 30 more minutes. The representative said they are very busy. I said I have to get to work and would like a callback. He said they would call back asap. I gave him my number and it has been over 24 hours without a callback from the supervisor to resolve the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-08
Company: Nelnet, Inc.
State: CA
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:
I am a XXXX  XXXX  working for the XXXX as an XXXX  XXXX  and i was awarded an XXXX USD pay off amount toward my loan. The payments go in bi-weekly in a range amount of about XXXX to XXXX USD. I looked at my pay stubs and there has been a total of XXXX payments. The first XXXX payments are reflected on my NeltNet account payment history and have been applied to my total loan. However, the last payment according to my Nelnet history was made a month ago on XX/XX/23 but XXXX more payments of XXXX by my job have been made since then and are no where to be found. The money is just not accounted for on Nelnet 's side but the payment was clearly made when looking at my paystubs on XXXX. NeltNet is clearly mishandling the payments. My account is missing XXXX payments of XXXX. Typically once a payment is made it is reflected on my Nelnet account XXXX to 10 days later. It has been over 30 days since the last payment according to my account which is simply not true. It does not even show up as processing or anything just completely missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My LLC has a checking account with People 's United Bank. We started with XXXXXX/XX/XXXX and then they were bought out and accounts transferred. 
This past year we have been charged account analysis fees monthly for XX/XX/XXXX/mo. It took calling the bank to learn it was because we had two two users on the account. However, the customer service folks could not tell me how to remove a user and thus get rid of the fee. I had to be transferred to the eTresury specialist. After waiting on hold over 30 minutes on two separate occasions, I did get through today after 40 minutes on hold. 
The representative told me I had to email the department to ask a user to be removed, but when I was unhappy with that action, I was transferred again to XX/XX/XXXX- who showed me on the site how to remove a user in a matter of a minute. 
I do not think I should have been charged for this fee over the last year having tried to get through to the bank to remove the user. It was easy to do once showed, but even 2 levels of their own Customer Service folks did NOT know how to do it. 
The bank needs to be better staffed to handle calls, the training needs to improve so folks know how to use their own system, and customers should not be charged fees they can not address easily or even understand as to why they are being charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-24
Company: AES/PHEAA
State: GA
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:
At least twice I've requested that XXXX allocate excess payments to one specific loan and it has refused to do so.

Company response to consumer: Closed with explanation