BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
HELLO, MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE BROKE INTO MY CAR WHILE I WAS AT A CONVENTION IN TEXAS WITH A GROUP FROM XXXX, MISSOURI. I BELIEVE IT WAS SOMEONE FROM THE GROUP BRCAUSE OF THE LOCATION OF THE ACCOUNTS. THEY ACUIRED A BANKRUPTCY IN MY NAME, IT WAS DISCHARGED,  BUT IT IS STILL NOT MINE, ITS REPORTING ON MY XXXX  CREDIT REPORT. THEY GOT VEHICLES IN MY NAME ALONG WITH STUDENT LOANS. IT IS EVIDENT THEY HAVE BEEN DOING THIS FOR A WHILE, I DIDNT FIND OUT UNTIL A COMPANY PULLED MY CREDIT, I RARELY CHECK MY CREDIT REPORT.THE FOLLOWING COMPANIES WERE FRAUDULENTLY OPENED IN MY NAME : ALLY FINANCIAL # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX  # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX/MISSOURI STUDENT LOANS # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX/MISSOURI/ STUDENT LOANS OPENED : XX/XX/XXXX XXXX. XXXX XXXX/ XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX  XXXX SERVICING OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX   OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX  OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX CHAPTER XXXX BAMKRUPTCY REFERENBSSCE # XXXX DATE FILED : XX/XX/XXXX THE FOLLOWING INQUIRIES WERE ALSO FRAUDULENT OPENED IN MY NAME : US SM BUS ADMIN XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Monterey Financial Services LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
An account for monterey financial services appeared on my credit report I have no idea what it is or from I disputed it and they reports it as accurate and it does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
So my husband and I finally had the revelation to file taxes separately in order to drop my monthly payment for my student loans. I am under the  PAYE  program and public service loan forgiveness, so my goal is to get as tiny of a monthly payment as possible.     My current payment is {$1300.00} per month. According to the payment calculator, my new payment since filing separately will be around {$300.00}. I applied to recertify/update my income with myfedloan servicing  ( FedLoanServicing )  on  XXXX   XXXX . They told me it would take  7-10  days to process, that I would still need to make the  XXXX  payment of {$1300.00} but by  XXXX  it would be the new, much lower payment.     Well, it 's been crickets. Finally, I called yesterday and was told that my application was still being processed. That they are experiencing delays with processing, and now it could take between  15-30  days! So I 'm going to have to make ANOTHER payment that is {$1000.00} higher than it should be. I asked if I would be reimbursed for the difference and surprise surprise, no, I wo n't be. Is n't there some sort of limit by law on the time they can take to process a repayment application?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-11
Company: TD BANK US HOLDING COMPANY
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:
XX/XX/2018 XXXX reported my account as delinquent for a mistake in the system regarding a typo of my bank checking account number. I was not aware of delinquency until it became late. I called XXXX   and was guaranteed by representative that the account would be corrected and no negative information would show. I made a large payment of {$250.00} in an agreement to bring account current. I was told that my account was current and in good standings. I have never been late with any of my account and I have paid off three vehicle loans. My credit was perfect until XXXX  went against our agreement, to remove all negative reporting, due to a computer error. My credit history shows that I am a worthy responsible customer with an impressive credit history .I have disputed the error with XXXX on two occasions, both times denied correction. I have disputed with XXXX three times, and each time XXXX completes the dispute within a few days. XXXX also does not delete the negative remarks, I find it difficult to believe that my dispute was handled correctly in a fair fashion. I submitted documents, that I believe were not reviewed, it seems like my dispute was handled by an automated system, that just denies the consumer AUTOMATICALLY. I asked for deletion of negative reporting with all three bureaus. I am reaching out for assistance as I believe I was treated unjustly and unfairly and basically lied to. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally report an incident of identity theft and fraudulent accounts on my credit report. I recently obtained a copy of my credit report from TransUnion, and I discovered several unauthorized accounts and transactions that I did not open or authorize. This is a matter of utmost concern, and I am seeking your assistance in resolving this issue. Please find below the details of the fraudulent accounts : 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  Remove these fraudulent accounts and any associated negative information from my credit report as they are not a result of any legitimate transactions I have made.

I understand that this process may take some time, but I kindly request that you keep me informed of the progress and any actions taken to resolve this matter. Please provide me with written confirmation once the investigation is complete and the fraudulent accounts have been removed from 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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XXXX XXXX XXXX XXXX XXXX XXXX Ive reach out to both XXXX and Transunion in regards to inquiries that I did not authorize in my credit report. Both via phone and Us Mail

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 2017-05-03
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
In  XXXX , I fell behind on both my signature line of credit and my vehicle loans with Navy Federal Credit Union.     They not only froze my account but also withdrew the balance without my approval

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Date Opened : XX/XX/2023 Balance : {$200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 want this late payment deleted from my account within 15 days, I don't believe I'm late on thise late dates, Under USC 1666b, you should remove this late payment. Please update. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. This account need to be updated : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03
Company: HONOR FINANCE, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XXXX  purchase Car which Honor Finance Issued Loan..Car Lot Sold A  Lemon  Car had Varies Issues   XXXX   months Into The Loan. Which Most Time Car Payments was Use to repair Car To keep a Job and Pay Car Note..car started Having Transmission Issues notified Lender I needed repairs done note could n't get paid Costly Repairs.Voluntary surrendered The car.   honor Fiance promise to put Late payments on back in of The  Loans..have  XXXX  l ates on My  XXXX ,  XXXX    XXXX    Reports  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to formally dispute the accuracy of information on my credit report maintained by your bureau. Upon reviewing my credit history, I discovered the presence of a late payment entry that I neither acknowledge nor recognize. 
Account Information : XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. Either there may be a system error or this account may be with another holder with the same name.

I believe that this late payment entry may be the result of inaccurate information or a possible mix-up with another account holder who shares my name and similar information. 
I kindly request a thorough investigation into this matter to verify the accuracy of the reported late payment and, if necessary, remove it from my credit report. I understand the importance of accurate credit reporting and the impact it has on my financial well-being. 
If there is another account holder with the same or similar name and information, I urge your bureau to take the necessary steps to differentiate our accounts accurately to avoid any future discrepancies.

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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX - Account opened on XX/XX/2018 I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of their alleged debt, nor therefore any such debt, in fact therefore exist.

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 2022-03-22
Company: Nelnet, Inc.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. After that I sent you the attached letter and I never got a sufficient response. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all papework you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am.

1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account.

2. I also want to know who is the original creditor?

3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Bank of America has put a - {$880000.00} pending hold on my checking account as some sort of fraud review hold or something ( making my account super negative ). I don't use this bank account much and only receive couple friends money last week. I do not know why BoA put this amount of hold to my account. I can not use my checking account now, I still have about {$5000.00} in it.

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 2023-04-04
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX and Experian are reporting inaccurate information on my credit profile leading to lower credit score causing me financial harm. I have submitted disputes concerning reports from Child support payments that they are reporting late that were not late and missed or late payments to XXXX  loans when XXXX loan payments were paused last year 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 2022-03-22
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
I have called and reported inaccurate information being reported, my payment and balance history is missing from each credit report I purchase and receive for free. This report also, neglects to report on time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In late XX/XX/XXXX I opened a checking account with Bank of America. I deposited {$100.00} into the account at the time it was opened. On XX/XX/XXXX I received a direct deposit from one of my sources of income, my children 's social security payments. Having the account opened for more than a month I decided to transfer my employment direct deposit into my new Bank of America account. During the pending change with my employer I received my XX/XX/XXXX paycheck by mail, a paper check from my employer. On XX/XX/XXXX I attempted to deposit my paycheck into my Bank of America account via the XXXX XXXX ; however, the XXXX XXXX  advised me that the check would be placed on hold until XX/XX/XXXX. Not wanting to wait that long for my paycheck I decided to go to the local Bank of America branch the next day, XX/XX/XXXX, and speak with someone before depositing my check. I spoke with the teller at the branch on XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, she advised me that if I deposited the check that day that the entire check would be available on XX/XX/XXXX and that they would not release any party of my check until the XXXX. The bank teller even provided me with a bank deposit slip that states my funds of {$1500.00} would be available on XX/XX/XXXX. I confirmed this information by the teller providing me with the deposit slip that clearly states my funds would be available on XX/XX/XXXX. Based off of that information I decided to deposit my check. As of today, XX/XX/XXXX, I still have NO access to my paycheck. I have been told that Bank of America is not going to release my funds until XXXX XXXX on XX/XX/XXXX. Bank of America LIED to me when I was in their bank and took my check based on false information. I have been without ANY of my paycheck for a week and Bank of America refused to release ANY of my paycheck. 
At the time that I decided to deposit my check with Bank of America I had been an account holder for at least 30-45 days, I had money in my account AND I already had one verified source of income being directly deposited into my account. This FRAUD by Bank of America has caused me and XXXX XXXX XXXX XXXX  to endure a financial hardship that only exacerbated our hardship during these trying times due to the pandemic and economy!

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 2022-03-22
Company: ENCORE CAPITAL GROUP 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: Their investigation did not fix an error on your report

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation