BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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've observed several deviations from mandatory reporting standards, which cast doubt on the accuracy and completeness of the data in my report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information in my credit report.

In accordance with 15 U.S.C 1681e, consumer reporting agencies must employ reasonable procedures to ensure the utmost accuracy of information in consumer reports. Furthermore, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information about consumer accounts with integrity and accuracy. This includes conducting reasonable investigations into consumer disputes, as outlined in the Consumer Reporting Resource Guide ( CRRG ) and adhering to XXXX XXXX compliance standards. 

Deviation from these standards, as emphasized in the XXXX, jeopardizes the integrity of the data, potentially compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to contest these inaccuracies and non-compliant items. Ignoring my demand would indicate a disregard for my consumer rights. 

It is unjust for you to report unconfirmed and ethically questionable information that does not meet certified reporting standards. I challenge these claims and request evidence of proper reporting standards. Your violation of my rights is documented in this communication, citing concerns about incomplete and non-compliant reporting.

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 2023-04-05
Company: CBC Companies, 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 to INNOVIS. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting.

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: Colony Brands, 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: Information belongs to someone else

Complaint:
I checked my credit report and i see alot of these inquiry on my credit report that i have no knowledge of any of these and i am a victim of identity fraud and it is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, 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 status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
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 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 items ( A ). It is not permissible to fail to validate these reporting items 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 corrected : 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 2023-07-10
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 belongs to someone else

Complaint:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX/DEPT OF ED Balance details 0 % paid off Balance {$21000.00} Balance updated XX/XX/XXXX Original balance {$21000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XX/XX/XXXX Original balance {$21000.00} Monthly payment {$0.00} Last payment date XXXX XXXX, XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX, MO XXXX Phone number ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 

Dispute this account THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/23 i sent a letter disputing some items on my report to equifax. I have not been heard and this is very frustrating. I have sent multiple request since then and have no received any response to my request. Im looking to purchase a house soon and this is putting me in a financial bind

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: Nelnet, Inc.
State: NC
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 two issues : ( 1 ) I want Nelnet to demonstrate its legal right to my student debt ; and ( 2 ) If they can demonstrate the authority to collect this debt, I want them to return me to the payment plan I am on ( PAYE ) at Great Lakes. 

As of XX/XX/2023, my student loans were serviced by Great Lakes and I was on the income-driven Pay As You Earn ( PAYE ). 

On XX/XX/2023, I received an email from Great Lakes that my loans were being transferred to Nelnet. I received no further communication about the transfer until XX/XX/XXXX, when Great Lakes emailed me to say that my loan would *not* be transferred. Here is the material section of the email from Great Lakes : " Recently, we informed you that the U.S. Department of Education ( ED ) was planning to transfer the servicing of your federal student loan account to another member of ED 's federal loan servicer team. We're now writing to inform you that ED did not transfer your loan account to the other servicer. ED determined that it was not necessary to transfer your loan account. We, Great Lakes, will continue to provide customer service for your federal student loan account. If you are currently required to make monthly payments on your federal student loans, direct your payments to us. '' After that, I received notice from Nelnet that they are now servicing my account. However, Nelnet changed my payment plan *without my knowledge or consent* to REPAYE. 
Between XX/XX/2023 and today 's date, I have sent five emails telling Nelnet that I do not want to be on the XXXX plan. Nelnet has ignored these emails. 

On XX/XX/2023, I called and spoke to a Nelnet agent who ( a ) gave me incorrect and misleading information about loan consolidation, which would have caused me significant harm if I had followed her directions ; and ( b ) said she had taken care of getting the loans changed back to the correct PAYE plan. 

As of today, Nelnet still shows my loans as being on the REPAYE plan. I do not know whether this is because they do not actually have the right to my student debt, or because they are trying to collect more payments from me than my original plan requires. I have informed Nelnet as I have Great Lakes that I will consider switching to the new SAVE plan but have been abundantly clear that I do not want to do so until I can determine whether it is better than PAYE for my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Frontline Asset Strategies, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My account with XXXX  network was fulfilled. When I cancelled they are charging me an early termination fee. I spoke with XXXX and asked for them to send me a copy of my signed agreement. That I renewed. They have refused to sent agreement. I disputed the collection on my credit report but they arent removing it. I tried XXXX the reason why but havent been able to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward that the disputed items will be corrected ASAP. Thank you. 
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 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 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 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 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 2023-07-10
Company: Block, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I mistakenly transferred {$800.00} to my grandsons closed Cash App account. I contacted them and was told that there was no way to retrieve that money because I and my bank agreed that I was indeed the sender. That and all Cash App account in his name has been closed and canceled by Cash App and no such account existed at that time. If the money did not go to him, all I'm asking them to do is to please find out where my {$800.00} went to. For me, that's a lot of money to be in the wrong hands and I've uploaded the correspondence that I received back from them. This happened on Friday, XX/XX/XXXX in the afternoon and my grandson and I tried to trace the money but could not. 

Any help you could give me would be so appreciated. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX ( home phone ) XXXX email address

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : 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 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 of 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 2023-03-03
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was reviewing my statement from XX/XX/XXXX  on my chime app account I noticed 2 errors on the billing statement that was incorrect it was for an ATM cash withdrawal for - {$500.00} on XX/XX/ that I didnt authorize this EFT transaction I contacted chime to start a dispute but since it was pending at first they said I had to wait until it settles on my transaction list. A chime customer service also said once money settles it should come back to account it never did and Ive heard nothing back about it yet and this is money that has been taken from me I was given a dispute number XXXX and XXXX by a chime customer service rep. for this error but still havent received my funds back into my account for this unathorized transaction The second error on my billing statement that was incorrect was for another unauthorized EFT transaction on XX/XX/ for {$500.00} I didnt authorize this transaction and money has been taken out of my account I emailed chime support and have not heard anything back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: EQUIFAX, 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:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I ADDED XXXX PICTURE SCREENSHOT 'S OF PROOF! 

On Tuesday XX/XX/XXXX, at XXXX I made a bill payment in the amount of {$270.00} on XXXX online website. 

I am a joint owner on my husband checking account ending in # XXXX with NFCU. 

My husband has Overdraft ( OOPS Protection ) on his checking account that covers up to {$500.00} in transactions! 

It takes normally XXXX days for NFCU to process and pay a XXXX item. This wasn't my first time paying my XXXX XXXX bill payment using my husband our joint account ending in # XXXX, It took them XXXX days! 

I think a phone was made between the XXXX companies and NFCU charged our joint account the returned fee of {$29.00} to make the bank money! 

NFCU purposely charged us a {$29.00} Overdraft fee for NO REASON! This check for {$270.00} should've been paid. There was a running balance of available funds of {$760.00} to cover my bill payment check! 

I'm asking for letter of explanation from NFCU saying it was there fault so I can provide it to XXXX XXXX! 

I have email confirmation with a date and time proof from XXXX XXXX of payment made! 

I'm requesting a audit of our NFCU joint checking account of ALL the {$29.00} fees they charged us for XXXX and XXXX, they might have purposely charged these {$29.00} fees to male NFCU money!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
XXXX XXXX I had a bank account around XXXX and XXXX and I was charged fee Wells Fargo closed my account b

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 2023-04-18
Company: Experian Information Solutions Inc.
State: GA
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:
I checked my credit report and seen that there were discrepancies, and the incorrect address is XXXX XXXX XXXX XXXX, GA. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.

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 2023-07-09
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA
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 attached a full explanation and provided necessary documentation. The bottom line is the main issue for all consumers according to statistics and great record keeping by the CFPB, they errors on our credit reports are coming from the credit reporting agencies that are furnishing our reports. Feedback : only hire people in this very important position that truly have a XXXX to serve the community. Banks pay these agencies for negative data so they can then charge the consumer with bad credit more interest which is flat out predatory. Please include XXXX and XXXX in this complaint requesting full investigation of their employees as well.

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 2023-07-09
Company: Uplift, Inc
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Sometimes, last year I called UPLIFT INC to inquire about a balance. They lady I spoke with said to me the account is no longer with them. Its not reporting negative on my credit report

Company response to consumer: Closed with explanation