BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX  # XXXX Account name : 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 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 2019-06-28
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am on a rate reduction program with Navient to pay back my private student loan. In order to be on this program you have to re-certified every 6 months, but the problem is the rate reduction program is not an income based program and even though the interest rate has decreased, my loan balance is not going down its continuing to increase along with my payments. I asked the customer service rep ( CSR ) if there are any other programs that I can apply for because the payments are getting to high for me to afford. The representative said no this is the only program for private student loans. The interesting thing is I asked the CSR what my remaining balance was on my student loans and she gave me a balance that was higher than my balance when I declared bankruptcy in XX/XX/2010 because they are adding so much interest to my loan. Navient is unconcern with customers who are actually trying to pay their loans back, they are continuing to increase rate as well as my payment which I can no longer afford. I do have to live and I have other obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To update this suspicious information, I sent a letter to the XXXX credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more.XXXX/DEPT OF ED XXXX Balance : {$3300.00} ; XXXX/DEPT OF ED XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$5800.00}.

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 explanation
Consumer complaint received 2018-04-11
Company: Navient Solutions, LLC.
State: MA
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 have been going in loan repayment for five years. The total in federal loans I took out totaled {$7000.00}.

In the past two years alone I paid more than {$2000.00} in student loan interest alone. The loan balance was still more than {$7000.00} even after I have been making excess payments. My husband had the same loan, the same repayment schedule and paid significantly less than my interest. Because the interest is regulated by the federal rate seemingly the loans should have been identical. It was not. The only difference was I had a loan through Navient and he had a loan through XXXX.

Consumers beware they are mismanaging the interest accumulation on our loans. Thankfully I was able to refinance the loans and we will no longer be working with navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX {$0.00} XXXX  {$1000.00} XXXX {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting 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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries reported in my 3 credit Bureaus credit file. 
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 2023-11-10
Company: Maximus Education, LLC dba Aidvantage
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My Loans were transferred from AidVantage to XXXX about a year ago but AidVantage is still reporting them as open with the credit agencies. I called them about 5 months ago and asked them to update it on my report. It is hurting my credit score because it has doubled my debt amount. They said they would escalate it, but it still hasnt been resolved. I have had to contact the credit bureaus on my own and dispute them. I dont feel like this company has done its due diligence and I feel like this should not have been my responsibility to take care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: EQUIFAX, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
THESE ACCOUNTS LISTED ON MY CREDIT REPORT WAS OPEN WITHOUT MY CONSENT AND STOPPING ME FROM BUYING A HOME FOR THE FIRST TIME

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: United PanAm Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I was approved through United credit group. Was given my interest rate and payment. Did my trade and uploading all my XXXX documents. The XXXX was being purchased through Vroom and on the last day before the car pick up the agent with groom said I needed to call United credit group because they were now wanting me to put {$9000.00} down plus my XXXX XXXX XXXXXXXX. Waste of time and misleading advertising and my time. Now I have multiple inquires that has damaged my credit and no vehicle. Complete waste of time and a huge disappointment. I wont refer anyone to vroom or United credit group.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to seek your assistance in resolving a pressing issue concerning my credit report. My name is XXXX XXXX, and I recently discovered several fraudulent accounts listed on my Transunion credit report. The accounts are listed below. 

These fraudulent accounts are negatively impacting my credit score and financial well-being. I have taken immediate steps to report the identity theft to the Federal Trade Commission ( FTC ) and have filed an identity theft report with the FTC. I have also contacted Transunion to dispute these fraudulent accounts directly. However, despite my efforts, Transunion has not removed these accounts from my credit report, even after verifying that they are indeed fraudulent. 

I kindly request the intervention of the Consumer Financial Protection Bureau to address this matter. I believe that the presence of these fraudulent accounts on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ), particularly Section 605B, which pertains to the blocking of information resulting from identity theft. 

I respectfully request that the Consumer Financial Protection Bureau investigate this issue and work with Transunion to promptly remove these fraudulent accounts from my credit report. The continued presence of these accounts is causing significant harm to my financial standing and reputation. 

I greatly appreciate your attention to this issue and your assistance in resolving it as swiftly as possible. Thank you for your dedication to protecting consumers ' rights and financial well-being. 

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 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I sent multiple letters to verify my accounts. After the company recieved the letters to delete false reporting information. They told me they felt all my information was accurate. 
Under 15 U.S. Code 1681I ( XXXX ) Cases under title XXXX or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
( XXXX ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 
( XXXX ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance. 

I did not give permission to any agency ( XXXX, XXXX, Transunion, XXXX XXXX and XXXX XXXX ) to report any information ; especially inaccurate information. I have called numerous of times and sent numerous letters. failure by a consumer to provide sufficient information to investigate the disputed information.

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 2022-04-06
Company: Experian Information Solutions 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-12-06
Company: ALLY FINANCIAL INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Ally reports late payments on my credit report without consent or proper notification to deem payments " late. '' They have lied to me stating they would be removed via phone then send correspondence stating they are " accurate '' without sending documentation related to investigation or documentation showed that notification was sent 21 days prior to due date as required by Truth In Lending Act.

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 2023-07-25
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XX/XX/2023 : I attempted a purchase on XXXX using the XXXX XXXX XXXX XXXX XXXX offering to complete the transaction over four payments. The payment resulted in an Error message. Given that the item, which in this case is a Verified Resale ticket, reappeared on the stadium concert map, I believed the purchase was not issued and that I should reattempt my order. I made several more attempts using the XXXX feature on the XXXX site, and received Error messages each time. I ultimately gave-up on the seat, chose another, and used a credit card to pay up-front in full, i.e., not using XXXX to secure the purchase. This attempt allowed me to purchase a ticket and I received one confirmation email. 

I then noticed several pending transactions on my credit statement from XXXX. I immediately reached out to customer support given I used credit for my successful transaction. The XXXX representative reassured me the pending credits would disappear after the merchant ( XXXX ) refunded or canceled the charge. This initial charge amounted to {$190.00}, roughly a quarter of the total {$790.00} XXXX purchase. 

XX/XX/2023 : After waiting for the pending charges to clear, my credit statement revealed the XXXX payment had not been removed and additional charges would soon be on the way. After calling XXXX again, I was told the issue must be taken up with the merchant, XXXX. 

After waiting over 3 hours for a XXXX representative to reply to my complaint via Web Chat, I was told that the purchase had indeed gone through and I was the holder now of two tickets ( didnt matter they werent remotely close to one another ). I was told that XXXX was in fact not the primary seller, and that their Verified Reseller program is simply a marketplace. I was referred to a lengthy and convoluted policy of nearly XXXX words at XXXX  : XXXX? language=en_US. A representative suggested I might receive additional outreach from Customer Support within 3 5 days while they examine the case and consider a refunding option. However, it is extremely unclear the mode of contact and whether I will be contacted at all. I am urging the CFPB to investigate this and similar matters with ticketing platforms that cloak as a marketplace in order to skirt accountability.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-15
Company: ERC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter to ERC requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and or other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. they have reported delinquent information to the credit bureaus that I am asking to be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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: Reporting company used your report improperly

Complaint:
I am writing this complaint against TransUnion Credit Bureau for allowing fraudulent inquiries on my credit report. The dispute letter including my Identity Theft Report was mailed out and delivered to them on XX/XX/2023. My identity Theft report number is XXXX which I have included in the attachments below. As I checked my recent credit report, the unauthorized hard inquiries are still being reported. They were supposed to protect my information, but how come to these unauthorized hard inquiries are in 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 2022-09-16
Company: BANKERS HEALTHCARE GROUP LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/2022, I initiated a loan application after receiving a call from a BHG XXXX XXXX. In the process of completing the application I mistakenly uploaded an incorrect document in place of my paycheck stub. I then proceeded to upload the correct paycheck stub and then contacted the finance director on his direct line to ask him to remove the document that was incorrectly uploaded. He stated that he was unable to delete/remove the document but that the Loan Processor would be able too. I emailed the loan processor ( see attached ) who in turn stated that the document had been deleted. After a brief while, I checked and the document was still on the portal. I proceeded to leave the Loan Processor a voicemail at that point to advise him that the document had not been removed. When I didn't hear back from the loan processor, I again contacted the Finance Manager on his direct line asking him to withdraw my application completely. Once he withdrew the application with me on the line. The two documents that I uploaded remained on the portal. On XX/XX/2022, I send an email to XXXX customer service @ XXXX and received a reply from a XXXX XXXX XXXX, XXXX XXXX, stating " I am reaching out after receiving your online web inquiry regarding the information submitted with your recent application. Unfortunately due to compliance regulations and guidelines we are not able to delete this information. We have to keep any submitted information on file for 5 years. I want to ensure that we do not do anything with this information, other than store it for policy purposes. Please let me know if you have any additional questions. '' - I proceeded to contact XXXX via the telephone number she provided in her email and additionally responded to her email to advise her that her compliance policies should not apply to me as I am not a customer, never have been, nor do I have an active account with BHG. During my telephone conversation with the rep she stated again that per their policy they are required to retain my data for a minimum of five years from the date of submission. I then requested a copy of said " policy '' in which I was advised by XXXX XXXX that she isn't sure if they have something that they could provide me but that she will check with her manager and let me know. XXXX XXXX called me back and advised me that she spoke with her supervisor XXXX XXXX, who confirmed that BHG would have to retain my information for a minimum of five years from the date of submission but that she does not have a policy in which she can provide me that states such. XXXX XXXX then referenced that per the US Patriots Act, they should retain my data for a minimum of five years should I need further clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
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:
I was told these credit card application would be soft inquiries and would not show up on my credit report. In addition, I went to purchase a vechilce and only gave authorization for one inquiry. The dealerahip sent it to various bank without conset. Please delete this unauthhorized inquiries from my credit report. 

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