BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have repeatedly called and written Transunion and XXXX about fraudulent inquiries on my credit report and they refused to address and or remove them. 

Transunion : XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX. XXXX, XXXX XXXX : XXXXXXXX XXXX  XXXX. XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/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 2023-07-24
Company: Experian Information Solutions Inc.
State: NY
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'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX 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 2021-01-05
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: Account information incorrect

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX, XXXX XXXX account number 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 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 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 2021-10-21
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I open an Account with XXXX XXXX and used the account responsible and paid in full. However, after my account was paid in full the creditor closed my account. When they closed my account I received a notification from my credit reporting agency that my credit score had decrease due to a closed account. I do not think its fair for them to just close my account with out a valid reason. I would like my account reopened 0r I am open to suggestion. It is not fair how creditors get to add things to your credit report and make changes that affect your credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: FIDELITY CAPITAL 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:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Fidelity Creditor Service. The Account Opened is Fidelity Creditor Service Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$1400.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Branch Messenger, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My card was stolen and a bunch of unauthorized transactions occurred and I was trying to keep my money in that account to save. Ive already filed a complaint about this issue and the company said theyd look into it. Ive filed the unauthorized transactions on time and they told me they filed the dispute successfully and I emailed them again and they got back to me saying they cant do anything about it and I didnt file dispute on time. I just need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: CT
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: EQUIFAX, INC.
State: NJ
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Equifax failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the timedeclared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non- compliance with federal statutes. Please UPDATE the accounts in my Credit Report : XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: NY
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:
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 XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX : {$4400.00} ; 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 explanation
Consumer complaint received 2021-10-21
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Two years ago I reported Identity Theft I wrote all 3 credit bureaus sent in all documentation XXXX XXXX XXXX name is still in my credit file as well as a XXXX Texas address Im trying to figure out if this person is employed with one of the Credit Bureaus for years I have been trying to get this unknown person and the address off my credit file and for some mysterious reason the information is still being reported On XX/XX/2021 I applied for a unsecured loan with XXXX XXXX XXXX and Equifax reported in my credit file as a Mortgage Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 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 explanation
Consumer complaint received 2022-05-27
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My payment is {$1000.00} per month and I have a monthly income of only {$800.00} and they will not work with me to refinance or lower my payments. Ive inquired with them for 6 months or more. They offered to pay me {$1000.00} for my home and property instead of trying to help solve the problem. They say I'm approximately {$4000.00} behind and will not give me time to pay it, nor will they offer to even work out a better payment plan. I'm XXXX and on XXXX and I'm a single lady. I've tried and applied for any and every assistance program and grants via the government and our local Community Action Program.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I'm an XXXX XXXX service members stationed in Virginia who leased a vehicle through Kia motors. I provided proof of XXXX XXXX status at the time of purchase but was billed incorrectly by Kia motors some months later due to the fact that Kia motors was incorrectly applying a county tax law to my lease. I spoke with Kia motors numerous times and even sent Kia motors the actual county law, proof of XXXX XXXX ID card as well as my XXXX XXXX orders that showed me stationed in Virginia, but not as a resident. Kia motors failed to act on this information and even failed to address this with the local tax office ; which eventually led me to speak directly with my local tax office. On XX/XX/2021, the local tax office, XXXX XXXX XXXX ( XXXX ), VA awarded me a refund of those taxes and returned the amount back to Kia Motors Finance. On XX/XX/2021, I received a call from Kia motors collections, demanding that I pay a past due amount that was related to those exact taxes that were incorrectly taken. I asked to speak to their managers on two separate occasion and at both times were informed that no one was available and that they would return my call, which never happened.

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 2022-05-27
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
" Borrower '' sent XXXX  " XXXX '' email to XXXX on XX/XX/2016. " Borrower '' never received a response from " Shellpoint '' to the XX/XX/2016 email to " Shellpoint '' escalations email. 

" Shellpoint '' neglected to send a letter in response to " Borrower '' XXXX  " XXXX. '' Instead, " Shellpoint '' sent a letter to the Connecticut XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Nelnet, Inc.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Good morning, when I called, who I believed I was talking to XXXX ( Nelnet ) department of education about my student loan, but I am now realizing I was transferred over to a scam. They transferred me over to a company called XXXX XXXX XXXX XXXX. This company had all my information from Nelnet, including the exact number of my student loans and my address and social, so they convinced me I was talking to the right people. I was calling about loan forgiveness and they put me on hold, came back and said I qualify and would only have to pay {$490.00} down and then {$59.00} for the next accrued months. This was in 2021. I signed a E - contract and everything, filled with all my personal info that they had already from Nelnet, including my social on XXXX XXXX. I have been paying for what I believed were my student loans from the department of education since XX/XX/2021. They not only were taking XXXX out of my account they doubled it through different names like ( XXXX XXXX ) and ( XXXX XXXX XXXX  ) making my monthly payments 2x. When I looked at my statements, I started to realize this pattern and contacted my bank. I then had received a notification that I was to start with paying my " Student loans " with ( XXXX XXXX  ) after XX/XX/XXXX. So, I reached out to ( Student loan processing center, and no one answered me. I stopped the payments and started to do my research and noticed a lot of other individuals have been targeted by this company through Nelnet ( XXXX ). They have a site that states to file a claim against them for doing this! They are now trying to reach out to me since I stopped my payments which was doubled without my knowledge. 

When I reached out to them what my current balance is on my loan and they never answered my question just texted me saying they emailed me with it, but the email is requesting my XXXX due to the stopped payments that were ensured from my bank. 

The way I was scammed through a government department of education site has caused me so much stress that they have my information my social, my families address, and date of birth. And being that I thought my loans were being paid this whole time I am lost on the next steps I have to take. 

I would like my money returned to me. I would like this company shut down and charged for doing this to people who work hard to repay their debts. A investigation should be put into the company at Nelnet transferring protected calls over to these scammers. Please help me I don't know my next steps other than I believed was paying this whole time for 2 years almost 3. 

I will attach files only to a trusted government official. The files I have attached are not the only evidence I have that show clear scamming has been done to me through the department of education ( NelnetXXXX ) and this third party they connected me with ( XXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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 appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened 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 ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-01-04
Company: Atlanticus Services Corporation
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: Problem with personal statement of dispute

Complaint:
My Fortiva Credit Card payment is due before XX/XX/XXXX. I got sick around XX/XX/XXXX. I took a XXXX XXXX on XX/XX/XXXX and was positive. I was in bed with fever of XXXX and all the Covid Symptoms until XX/XX/XXXX. I took another XXXX XXXX XX/XX/XXXX which was positive still. Mind you I am in the high risk category. I am XXXX XXXX XXXX and had XXXX XXXX in 2020. All my attention was paid on living. Thank XXXX i started feeling better on the 21 and I check my account and found it was 30 day late. I asked Fortiva to remove this under the Cares Act which states a lender can forgive a late payment due to XXXX for the months of XX/XX/2020 or after. I am asking that Fortiva take advantage of this Act passed by Congress and remove this payment. My payment history is good with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-28
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I received an email from my boss regarding wage garnishments, when i saw from whom I contacted them and asked from what company, the account was one I had disputed due to me being unemployed during XXXX. they insisted that i pay the XXXX immediately, money I do not have and that since I can not pay the amount they will move forward with wage garnishments. My employment is the only way i pay my bills and rent I can not afford to have wage garnishments when the account was disputed.

Company response to consumer: Closed with explanation