BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am writing about an issue I have had with XXXX XXXX. I have a XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with them. Back in XXXX of this year I lost my job which caused me to require financial assistance so I called comenity to let them know. They transferred me to their Hardship Department which set me up on a payment plan with them. Since that date they have been automatically taking payments from my account. I have called them so many times to explain to them that my account is not being accurately reported to the credit bureaus. They dont believe me and will not help me. The representatives do not understand what I am asking for they will not help me in any capacity. 

I am on time with my payments and so far the only account which reflects this is XXXX XXXX. Not only is this effecting my credit it has caused me to get denied for housing. Ive tried disputing it with the bureaus and they will not remove it. This is insane that they are allowed to do this when they are taking the money from my account each month automatic payments! Ive emailed their ceo their executive office no one will help me. As you can see from the screen shots the last time theyve updated their reporting for me was may and XXXX of last year siting also that they havent gotten a payment since XXXX when they just withdrew a payment from me in XXXX! Please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: MI
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 follow up on my previous communication XX/XX/XXXX ], regarding the inaccuracies in reporting on my XXXX XXXX XXXX XXXX  account # XXXX, specifically the late payments for the months of XXXX, XXXX, & XXXX of XXXX. 

Given the gravity of the situation and the potential violations of the Fair Credit Reporting Act ( FCRA ), I must reiterate the urgency of this matter. The FCRA, as outlined in 15 USC 1681i ( a ) ( 1 ) ( A ), mandates that an investigation into disputed information must be conducted within 30 days of receipt of the dispute. I anticipate your prompt attention to this matter to ensure compliance with the statutory requirements.

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 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am writing about an issue I have had with XXXX XXXX. I have a XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX with them. Back in XXXX of this year I lost my job which caused me to require financial assistance so I called comenity to let them know. They transferred me to their Hardship Department which set me up on a payment plan with them. Since that date they have been automatically taking payments from my account. I have called them so many times to explain to them that my account is not being accurately reported to the credit bureaus. They dont believe me and will not help me. The representatives do not understand what I am asking for they will not help me in any capacity. 

I am on time with my payments and so far the only account which reflects this is XXXX XXXX. Not only is this effecting my credit it has caused me to get denied for housing. Ive tried disputing it with the bureaus and they will not remove it. This is insane that they are allowed to do this when they are taking the money from my account each month automatic payments! Ive emailed their ceo their executive office no one will help me. As you can see from the screen shots the last time theyve updated their reporting for me was XXXX and XXXX of last year siting also that they havent gotten a payment since XXXX when they just withdrew a payment from me in XXXX! Please help me!!!

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 2022-10-31
Company: Experian Information Solutions 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 XXXX XXXX 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 explanation
Consumer complaint received 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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 Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX 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 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 2022-10-31
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I wrote to your company indicating my dispute of information in my credit report. Experian has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please report the payment status positive and update the late from reporting on this account. 

XXXX XXXXXXXX XXXX XXXXXXXX

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 2022-10-31
Company: Experian Information Solutions Inc.
State: TN
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 FCRA the following creditors : 1 ) XXXX XXXX account number XXXX has violated my rights 2 ) XXXX XXXX XXXX, XXXX ) XXXX XXXX XXXX XXXX15 USC 1681 Section 602 states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 15 U.S.C. 1681a further states : ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The term " consumer report within the statue is defined as " In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. Within the statue the term " person '' is defined as ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

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 2023-06-19
Company: Continental Credit Control
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account Name : Continental Credit Control Account Number : XXXX Account Type : Collection Date Opened : XX/XX/XXXX Status : Collection account. {$1900.00} past due as of XXXX XXXX. 
Status Updated : XX/XX/XXXX Balance : {$1900.00} Balance Updated : XX/XX/XXXX Original Balance : {$1600.00} Highest Balance : {$0.00} Terms : 1 Months I firmly assert that this account is not accurate, and I have never agreed to any financial responsibility associated with it. Furthermore, I have no knowledge of the debt in question and have never entered into any contractual agreements with Continental Credit Control. As such, I believe this account is erroneous and must be removed from my credit report. I have also provided substantial evidence that this is due to incorrect insurance billing At this time I will also inform you that theyve listed my account as PAST DUE as of XX/XX/XXXX. In addition to the past due they are also attempting to charge interest rate on a medical bill that is related to a medi-cal insurance policy. Against federal regulation policy holders of medical are to never be billed for services or medical procedures. This is not only incorrect but according to the FDCA, this is illegal as collection accounts can not be reported as having a past due balance. Being that their offices are reporting invalidated and unlawful recording information that goes against the law and my rights you must delete this account and report the deletion of this account. Their actions have constituted fraud under both Federal and State Laws. 

The representative XXXX XXXX ( ext XXXX ) verbally disregarded the law and refused to correct the issue even after I provided verbal authorization for XXXX XXXX XXXX XXXX representatives to discuss on my behalf in effort to fix the billing issue from their internal organization to the original creditor. 

I have provided validation requests and communicated with my insurance provider. Here is what I asked and what was not provided approaching 90 days. 

-What the money Continental Credit Control says I owe is for : -Proof of my wet signature accepting financial obligation for what they say I owe : -Explain and show me how they calculated what they say I owe : -Provide me with copies of any papers that show I agreed to them what they say I owe : -Provide a verification or copy of any judgment if applicable : -Identify the original creditor and provide original balance for services products or fees : -Prove the Statute of Limitations has not expired on this account : -Show me that they are licensed to collect in my state : -Provide me with their license numbers and Registered Agent or Agent of Service :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
It has been 6 months that I am trying to get access to my Line of Credit. Multiple Multiple trips to different bank locations, over 10 online requests to have my access restored again. 
I DONT access to online banking I DONT receive statement in the mail. 
I DONT know what interest rate is I DONT know anything about this loan just paying what bank teller will say every month. 

, TD Bank Blocked me to have Online access and same time increased my monthly payments ( changes APR most likely ) I want to know what is going on ( online access ) and I want TD Bank to go back to our loan agreement .Same APR same monthly payments This is our second complaint with TD Bank about this problem. CFPB Case ID XXXX I got a response from TD Bank XXXX Obligor to contact TD Bank at the contact information number and email provided at the bottom of the letter. 
Email returns as Address not found Phone number it will ring and will say voice mail is full. At this point I don't know what to make of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2022 I have a freeze on file with chexsystems, I called their consumer report phone number line XXXX XXXX XXXX to ask if an bank disregarded the freeze on my account and opened an account anyway. The specialist told me I had to call the consumer relations number XXXX XXXX XXXX. When I called that line I was sent right back to the freeze department twice who told me they could not assist me and to call that XXXX number again. the initial call was placed at XXXXXXXX XXXX XXXX, the other two calls started at XXXX XXXX XXXX  I have finally given up as I can not get the information required to determine why XXXX new accounts were opened in my name. XXXX XXXX XXXX XXXX, and now 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 2022-10-31
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Showing different balance amount due on credit report that is incorrect

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 2023-01-17
Company: Experian Information Solutions Inc.
State: MA
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 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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have attempted several times with the credit bureaus asking for method of how they claimed to have verified these accounts for they are not mine. However all I can ever seem to get from the credit bureaus is what appears as a template letter just saying was verified. 
In accordance with the Fair Credit Act XXXX the Accounts listed in this complaint, has violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ACCOUNTS : XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: Nelnet, Inc.
State: HI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My private student loan account is with Firstmark. I have been paying on this account for over 10 years. In XXXX, the XXXX military rate was applied to the account ensuring that the interest rate did not exceed 6 %. With regular payments being made on the account, the total balance has increased instead of decreasing. Sometimes, I do pay the account earlier than the due date which is reflected in the transaction history. On XXXX XXXX XXXX, I emailed the company regarding concerns with the account. From XXXX XXXX  to date, the total balance on the account has fluctuated from {$100000.00} to {$100000.00}. From XX/XX/XXXXXXXX  to date, the max amount of {$8.00} from my monthly payment was applied to the principal. As annotated in the transaction history, before XX/XX/XXXX, the minimum amount applied to the account was {$240.00}. The payment allocation was changed with my authorization. I contacted the company multiple times regarding the payment allocation. I requested that more of my payment go back to being applied to the principal and they have refused. There is nothing listed in the policy or promissory note stating the account holder could not request this. Additionally, there was a glitch in the Firstmark system that indicated that I overpaid my account. I requested a refund of my payment at the time. After the system was properly updated, it reflected that the account was not overpaid. I sent the payment and ensured the account was paid. The representative stated that there would be notes in the account. 

The company failed to amortize my account from XXXX XXXX to XX/XX/XXXX. Due to their failure, I now have to pay a higher monthly payment. My monthly payment increased from {$540.00} to {$700.00} starting in XXXX. On XX/XX/XXXX, the company informed me that they failed to amortize the account via email correspondence and via phone calls. The representative explained more in-depth via phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
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:
This is my other 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 o XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX XXXX  Balance : {$100.00} o XXXXXXXX XXXX XXXX Balance : {$4500.00}

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