BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
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: Their investigation did not fix an error on your report

Complaint:
I disputed inaccurate information on my credit report on several different occasions and the CRA 's ( TransUnion, XXXX and XXXX refused to accurately investigate while sending correspondences back stating everything was accurate ( Fraud ). No reinvestigation took place. It is now XX/XX/XXXX and this account is still reporting inaccurate information. 

TransUnion XXXX # 's are XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # 's are XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # 's XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX Not only does this account ( XXXX ) remain inaccurate, However, TransUnion, XXXX and XXXX failed to mark notice of dispute on my credit 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 non-monetary relief
Consumer complaint received 2023-02-21
Company: Nelnet, Inc.
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im a victim of identity theft I have no knowledge of these delinquient accounts! None of these companies listed on my credit report have my written consent to use my informtion. 
By the provisins of the FCRA Act and per the standard of reporting compliance implemented with the CRSA enacted XXXX XXXX XXXX Compliance regulations, I have the right to a fair and accurate credit report and you are required to remove any information that is not true, accurate, compliant and verifiable. I demaned that the above mentioned derogatory items be investigated and permanantly removed from my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Experian Information Solutions Inc.
State: MI
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:
A. Between XX/XX/XXXX and XX/XX/XXXX I consecutively disputed the amount owed to The Department of Education XXXX, with Experian XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX During that time The Department of Education XXXX furnished LATE PAYMENTS ( 6 ) for each of those months. After fighting for 2 years the alleged balance was FINALLY updated in XX/XX/XXXX from {$5400.00} to {$7200.00}, and my late payments remained. 

B. The Department of Education XXXX is still reporting my account inaccurate. The company is reporting a BALANCE of : {$7200.00} and a HIGHEST BALANCE of {$5400.00}. 
The way this amount is being furnished 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 2021-12-04
Company: Experian Information Solutions Inc.
State: LA
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:
I have disputed an account that they have had on my credit since 2017 for a charge off. Additionally, they report it as a new charge off every month. I have asked for validation of debt and never gotten it and they will not take it off of credit. There is around 55 charge offs for the one account. I'm currently going to court over the issue now. Company is Experian credit bureau, XXXX XXXX XXXX XXXX, Texas 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 2021-03-18
Company: Experian Information Solutions 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:
I am filing a complaint against The credit bureaus as well as the creditor for inaccurate and unjust reporting. This 3 years has been this company XXXX COMMUNITIES WITH THE COMPLEX NAME XXXX XXXX REPORTING INACCURATE INFORMATION TO THE CREDIT BUREAUS AND REPORTING DIFFERENTLY TO THE COURTS. I REACHED OUT TO HAVE THIS DEBT REMOVED BECAUSE THE CREDITOR CANT PROVIDE DOCUMENTATION OF THIS DEBT SO IT SHOULD BE REMOVED. I reached out to the creditor to find put how it was investigated and what was provided to show accuracy and they couldnt provide any information nor would they remove it so Im complaining on both companies

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 2021-10-01
Company: ALLY FINANCIAL 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:
I have been paying Ally Financial for the last two months. And they have not sent any reports to the credit bureau saying that I have been paying thus off in collections. Every time I call they give me the run around. They told me the whole XXXX would have to be paid for them to report it to the Credit Bureau which I know is not true. Then they told me that I would have to call XXXX XXXX XXXX XXXX. I called them they told me that there not a collection agency that report to the credit bureau that I would have to call Ally Financial back. I have been getting the run around.

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 2021-09-22
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to COVID-19, myself and the co-owner ( Mortgagees ) of a property under mortgage with Freedom Mortgage company ( FM ) got behind on mortgage payments and were approved for a forbearance. When the forbearance was up, we requested further assistance due to the, still very present, COVID-19 economic problems. A loan modification request was entered early XXXX of XXXX and we were approved for a loan modification on XX/XX/2021. It took appx. 50 days for us to get the modification documents to sign in the mail - more than enough time for interest rates to go up in their favor, however we were still grateful and accepted the new rate. We both signed the loan modification package documents in the presence of a qualified/authorized notary and submitted to FM. It is now XX/XX/2021 and we are sending the same documents to FM for the sixth ( 6th ) time. They continually claim that we have not signed the documents in the manner that they have specified. They requested that " Borrower ( s ) must sign their name ( s ) exactly as the printed line below signature line. '' These documents were signed in the same manner our state IDs, passports, all prior loan documents, and any other document for that matter, have been signed. Despite that and the fact that there are so many legal ramifications to demanding customers forge signatures on documents - and with a real sense of duress, considering the circumstances, we signed as they wanted anyway - yet FM and their underwriters are STILL not satisfied with our signatures. The signatures, mind you, have been verified and qualified by an authorized notary on each occasion. Note that we have to pay for notary services each time out of pocket. At this point, I am convinced that what FM and their underwriters are doing is a means to delay action for as long as possible. Why they'd do that, I'm not sure. Perhaps they are hoping interests rates will change in their favor, or that they can continue to collect federal aid, insurance, or whatever else by keeping us listed as COVID-19 hardship customers in their databases. Whatever the reason, I am sure we are beyond the regulatory time limit for processing and this delay has a severely negative impact on our ability to manage our finances properly and care for our families. One of the agents we spoke to [ XXXX ID # XXXX ] who is a very nice guy, and did all he could to help, mentioned that despite the fact that we have not submitted signed documents, the modification is technically approved and will not impact our ability to make payments, refinance in the future, etc. If that is the case, why in the world do we need to sign and submit these documents???? Please help and do everything possible to ensure this complaint is not used by FM to harm us going forward. 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 2023-08-03
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account 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.

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 2023-08-23
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I called a phone number on an email I received that was supposedly from PayPal asking me to authorize the purchase of a laptop computer for {$470.00}. When I called the number the man on the phone told me I had charges on my PayPal account that he could help me remove. He asked me to download an app called " Any Desk '' which would help him do this. He then used this app to add charges to my PayPal Account and bank credit cards. I realized it almost immediately and called the banks cards and they removed the charges immediately, but PayPal refused to remove the charges, and we have been in a deadlock ever since the happened on XX/XX/2023. I have XXXX XXXX XXXX XXXX and have been negotiating through them with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XX/XX/2021, I opened an account after receiving email marketing from BMO harris that I can establish an account in earn up to {$300.00} after {$4000.00} had been deposited over a 90 day period. 

The account was receiving deposits bi-weekly for a XXXX dollars from my employer. 

XX/XX/2021, I logged in to transfer the funds to my local bank, due to the lack of ATM 's and locations as I've done since the account opening and notice that the account was not showing on my OLB XX/XX/2021 - I spoke to XXXX ( customer service representative ) who told me the account was closed due to inactivity, being a bank employee at another institution. I knew that XXXX and consistent direct deposits are considered activity. I asked to speak to a manager and spoke with XXXX. XXXX shared that the XXXX 's which were typically sent the next day, not the date of direct deposits being received resulted in the account having a XXXX end of day balance and the system closed it on the 45th day. 

I have an additional concern as to this deposit culminating the $ XXXX amount that was marketed. It seems that BMO Harris closed the account to avoid paying the marketing fee. An even more pressing concern is that it resulted in me having to wait for XXXX that was received after the account was closed according to my conversation with XXXX. This will cause an issue with me paying my rent which is due before the XXXX of the XXXX. BMO harris let me know it won't be returned until Monday. 

It seems that BMO is engaging in deceptive marketing and closing account pre-emptively to avoid paying marketing rewards, unless you meet additional requirements not disclosed. Additionally, the disclosures for the marketing clearly states that 0 minimum balance requirement, and fees.

- all access to statements have been removed, so I am not able to provide to you. The industry standard after account closing is to allow users 90 days of access, typically for accounting purposes. These statements should show the direct deposit coming in and the zelles being dispersed the next day ( account number used to initiate ) I notified the team member that I will be filing a complaint with the CFPB and asked for her to file a complaint - BMO HARRIS complaint 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 explanation
Consumer complaint received 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX last 4 :XXXX To Whom It May Concern This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt ( proof attached : receipt copies or letter copies ) but you continue to report this debt to the credit bureaus causing damage to my character. 


This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted. 


Here is the account that keeps negatively being reported TRANSUNION Account Number XXXX Original Lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX XX/XX/XXXX Original Balance {$18000.00} {$18000.00} Current Balance {$18000.00} {$18000.00} Responsibility These individual are all apart of our lawsuit and will be named individually in our case. The FCRA clearly states 4 days all fraudulent accounts will be removed. and they still continue to report. We are seeking full damages We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my case. 





TRANSUNION XXXX XXXX XXXX Transunion XXXX-President and Chief Executive Officer XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX Executive Vice President TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX TransUnion Executive Vice President Consumer Interactive XXXX XXXX XXXX XXXX XXXX Illinois XXXX I have already hired a consumer attorney to plead my case. an will be pursuing full legal action against ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
( XXXX XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL 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 2020-03-25
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Requested LexisNexis report. They sent me a paper letter containing a web address and PIN. I went to the address and entered the PIN. The page reported that the PIN was invalid and said to call a phone number. I called the number and it wanted me to request anew report and start the process over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-07-08
Company: EQUIFAX, INC.
State: MS
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 Account Number : XXXX Account Name : XXXX XXXXXXXX Bankruptcy Account Number : XXXX Account Name : XXXX 'S Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: EQUIFAX, INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Equifax has been placing negative items on my credit report and it's making my score go down. I've tried contacting them to let them know that those negative items are not mine and they refuse to remove them. I was denied a house loan because Equifax is reporting false late payments from these accounts that are not mine. I called both companies which are XXXX XXXX and XXXX XXXX to find out more information about these false credit lines and neither company can find me in their system. I've informed Equifax and still, they have refused to remove them. I asked them if they sent the dispute to both companies and a gentleman told me that they had sent out a dispute on XX/XX/2021. I called both companies to verify if what the gentleman told me was true, unfortunately both representatives from both world and security finance told me that information was incorrect. I called back on XX/XX/XXXX, XXXX and XXXX and still neither company had received a dispute from Equifax. I want more information on seeking legal reparations from Equifax for the harm they have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: FL
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 U.S.C. 1681. 

XXXX  XXXX : XXXX, XXXX  XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 7 years.

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

Company response to consumer: Closed with explanation