BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion and XXXX are erroneously reporting a bankruptcy on my credit report. I have disputed this several times. XXXX is the only bureau that complied to my request. I have a XXXX reporting allegedly from the U.S. Bankruptcy Court, which is false. In addition, per FCRA Laws 15 U.S.C 1681 section 602 A. States I have the right to privacy.

AND 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions my rights were violated.

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
For months, I occasionally get something in the mail from a company known as XXXX. It says I owe XXXX over {$5000.00} for some account. I honestly can't even find the XXXX sheets anymore because I trashed months ago ( thinking this was over ). When I brought to the XXXX store XXXX XXXX XXXX, XXXX XXXX, VA XXXX ( and numerous phone calls ), they said that the account numbers I gave them show nothing, they knew nothing of a XXXX, and it looked like a Fraud Scam to them ( that is when I trashed ). 

Now, TransUnion has decreased my credit XXXX points about some XXXX account. 

Also, I called Transition this morning, I recorded a full video of the conversation. They told me that they would report fraud on their end and that I needed to report something with you all, then call them back with a report # that you give me ( which is RIDICULOUS ). After persistently requesting official documentation that she was submitting a report as she offered, I was instead hung upon on ( I have this fully documented ). 

Transunion is a SCAM credit reporting service. I wouldn't be surprised if they opened a fraud XXXX account under my name. My credit score is FROZEN and has been for a while. Enough is enough.

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 2023-10-24
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied for SAVE program XX/XX/2023. My application showed as reviewed and completed by Nelnet, my loan servicer, as of XXXX XXXX. My account showed a balance of over {$700.00} due XX/XX/XXXX, while studentloans.gov showed {$590.00}. 

I called Nelnet XXXX XXXX. I had to wait through a hold of nearly two hours. A customer service representative informed me that the company is delayed in approving the SAVE applications and I should expect that I would be placed into an administrative forbearance again if the due date were reached and Nelnet had still not completed their review of the application. She confirmed that the amount should and would match studentloans.gov. The entire call took less than 5 minutes. 

By XX/XX/XXXX ( today ), my account showed a past due balance of the incorrect amount previously mentioned, and had now doubled as the same amount was now due for XXXX as well. 

I called Nelnet and again was placed on a hold of nearly two hours. The customer service rep who helped me this time again told me that the application had not been processed because Nelnet is behind. She informed me that my only options to avoid past due payments piling up and affecting my credit were paying the current balance or to be placed into a hardship forbearance which would be removed once the application is processed. I was informed the forbearance does not count toward my months paid as I work toward forgiveness under the Income Driven or SAVE plans, even though none of this is my fault and I would have paid the correct amount had Nelnet finished their review. I agreed to allow the Nelnet representative to place me into the hardship forbearance, as that was my only option because I can not afford to pay the due amount, which is now more than {$1500.00}.

Throughout this entire process I have never received any correspondence about my application from Nelnet, despite the original guarantee that I'd hear something within 5-10 days of when I applied as well as every 10 days following that. The representative said the company is aware of problems with this correspondence, but she could not provide me any information in writing to confirm.

I was also informed that once the application is reviewed by Nelnet, I'll be required to pay a {$5.00} fee to move my loans into the SAVE program, which seems outrageous considering I'm already paying hundreds of thousands of dollars and have had such a nightmare getting any communications from them about this move.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint is not sent in error I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Equifax has illegally and repeatedly placed false and erroneous items on my credit profile that they know do not belong to me. A representative on the phone admitted that this fraudulent account had been removed before and was somehow placed back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: DC
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 applied for a car and got 4 hard inquiries for that car. I have 2 XXXX credit cards but have 3 hard inquires. Also I have Three hard inquiries that I do not recognize. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Tribal Lending Enterprise, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
In late XX/XX/2021 I had fallen behind in monthly bills and was seeking some relief. I went to what I thought was a direct-contact website where I would apply for a loan directly with a lender. Turns out I entered my information into a clearinghouse site and received several XXXX emails in the space of a few hours. Mountain Summit Financial was one of those respondents and I clicked on their page to apply. I was shunted through what appeared to be a VPN type system, hitting several redirects before coming to a final page where all I had to do was verify my information and the loan amount would be disbursed. I do NOT recall signing a loan with SIX HUNDRED NINETY PERCENT INTEREST, nor would I have knowingly signed such terms. 

They were removing more than {$270.00}. every XXXX weeks, but now my bank account is frozen due to fraud that I no doubt incurred as a result of that original clearinghouse site. After removing the payment a number of times ( 4 payments would have repaid the {$1000.00}. principal and given XXXX more than {$92.00}. in interest ) I thought the debt would have been repaid, but the fifth payment came out and I started calling. Six times I called between XXXX and this week. One time i got through and I was told the XXXX financial instruments are " non-negotiable beyond original disbursement of funds. '' Following these calls, I noticed that the clearinghouse site added some fine print stating that loans originating from tribal financial services may have high-interest terms. This is a XXXX XXXX doing this, and if they are knowingly doing this to people, the whole shebang ought be shut down. 

As you can imagine, I can not afford to be saddled with a debt like this for five years. I am recently divorced and XXXX and I have a mountain of debt following my ex-husband wringing me out and setting me off to dry. I don't even have access to my bank account, partially as a result of this payday loan, and the website that I accessed their services through. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX XXXX XXXX is reporting an account that does not belong to me to credit bureaus. I never opened any account XX/XX/XXXX and although I have disputed the entry it remains on my credit report past due as of XX/XX/XXXX. I never opened an account with the original creditor shown on the credit file either. It appears fraudulent, discriminatory and deceptive practices are being used by this agency. I have not received my credit file from XXXX. I have attached a copy of the entry from my Experian report received today. The fraudulent entry appears on my XXXX report with varying 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 explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Dear Experian XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX, I am writing to inform you of some changes to my personal information that are pertinent to my credit account with your institution. I need it changed because I fear I am susceptible to Identity Theft Please update my records accordingly with the following information : 1. Name : XXXX XXXX XXXX 2. Address : XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX 3. XXXX XXXX : ( XXXX ) XXXX 4. Email Address : XXXX REMOVE ANYTHING THAT DOES NOT MATCH THIS INFORMATION These changes are necessary due to [ provide a brief explanation for the changes, such as a legal name change or relocation ]. I kindly request that you update my personal information in your system as soon as possible to ensure the accuracy of my credit account. 

Additionally, please ensure that all future correspondences and statements are sent to my new address and that my contact information is updated across all relevant departments within your organization. 

I understand that providing accurate and up-to-date information is crucial for maintaining a healthy credit profile and avoiding any potential discrepancies. If there are any forms or documents that need to be completed to facilitate this change, please send them to me at the new address mentioned above, or inform me of any necessary steps to complete the process. 

Thank you for your prompt attention to this matter. If you have any questions or require further clarification, please do not hesitate to contact me at the provided contact number or email address. 

Sincerely, 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 2023-06-03
Company: EQUIFAX, 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:
Creditor : XXXX, Account : XXXX Reason : Last active dates are inaccurate between all 3 bureau 's. please delete. Late payments are not correct. I am not 60 days late on this account. That's inaccurate and needs to be deleted. I was Never late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: WI
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:
I have made calls the company that submitted these inquiries and after its was actually submitted again this happened with the same companies repeatedly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
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:
Hello, I would like to report about Identity theft. The point is that someone decided to use my personal info and as a result I got filed items that I do not know and recognize. Could you please explain to me how that possible? and could you please remove them asap? The report is attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I 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 XXXX XXXX XXXX  XXXX .... 
Balance : {$130.00} ; XXXX  XXXX .... XXXX : {$85000.00}

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 2023-03-09
Company: EQUIFAX, INC.
State: TX
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 XXXX is reporting an account with inaccurate late payments that I have been disputing with each credit bureau for quite a while now. 

They are verifying multiple inconsistent inaccurate late payments for XXXX of XXXX, XX/XX/XXXX and XXXX of XXXX. How is it that one bureau reports this account late but the other two report it as on time? If the credit bureaus all get their information from the same place, why are they reporting inconsistently? 

Its clear that no valid investigation was done into the account pertaining to these inaccurate late payments which is against the law and my rights as a consumer to have accurate information on my credit report. These late payments are illegally reporting and I am demanding that they are deleted from reports and that this account is updated as on time as I was never late on this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing this complaint to make it known that you are violating my rights because you do not update my information correctly. 
I have attached copy of report with all incorrect information that are boxed/circled. 


The following is the only personal information I want on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX DOB : XX/XX/1982 SSN : XXXX Employer : XXXX XXXX XXXX. 

I need you to remove all other names, last name, Previous addresses and old employers from my 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 2019-11-21
Company: Atlanticus Services Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
It was XXXX of this year 2019, that I accepted a pre approved offer sent by mail to me by Fortiva Credit. My offer was for a credit line of up to {$1000.00}, which is what they lent me minus a {$170.00} Annual Fee. My actual resulting line of credit was {$820.00}. On XX/XX/XXXX, I made my first payment, the minimum of {$25.00}. They didn't post it until XX/XX/XXXX so they charged me a {$25.00} late fee. Now I had a new minimum payment of {$100.00} due XX/XX/XXXX, which I made. It was on or around XX/XX/XXXX that I called to discuss changing the due date, since I get paid social security on the XXXX Wednesday of the month. I believe they know as well. The due date of the XXXX was just before my payday. I was told my account had to be " current '', and then at that time I could put in a request, though not a guarantee, and it could take several months. When I received my social security check, I made a minimum payment of {$52.00} on XX/XX/XXXX so I was charged another {$39.00} which showed up on my due date of XXXX XXXX statement. Now my minimum payment is up to {$180.00}. I could not afford that high of a payment that month. On XXXX XXXX, again after I received my paycheck, I made a {$300.00} payment. It was the weekend so Fortiva didn't post it until XXXX XXXX.The minimum on my XXXX XXXX due date statement was {$270.00}. They charged me a late fee of {$39.00} as well. On XX/XX/XXXX, I made another {$120.00} payment and Fortiva charged me another {$39.00} late fee. On or around XXXX XXXX, Fortiva closed my account because I " ..failed to honor the terms of your account agreement. '' I did not receive any type of text or email, which Fortiva had used on numerous occasions. Instead, I received a letter, standard US postal mail around XX/XX/XXXX, a copy of which I have attached, along with the envelope with no date on it. Only within the first 3 months, I was told by XXXX XXXX, can the {$170.00} Annual Fee be PRORATED and partially refunded. This card was not a " rebuild your credit '' opportunity. This is predatory lending or loan sharking in my opinion. I have made {$590.00} in payments on a credit line of {$820.00}. I have been charged {$410.00} in FEES, {$190.00} in interest totaling {$600.00} in a closed account within 6 months. And, I still owe OVER what I borrowed {$860.00}. And, then I went to make my XXXX payment, they wouldn't take my credit card! Debit only. That is a first from my experience. This company has never failed to disappoint. Their purpose and design is to take advantage of people they know are at a disadvantage, and ruin their credit more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: TX
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 am writing to formally register a complaint regarding the persistent and unresolved issues with late open account that continue to appear on my credit report. Despite multiple diligent attempts to rectify these inaccuracies, they persistently impact my credit history and financial standing. 

To provide context, I first identified the presence of late open accounts on my credit report. Since then, I have conscientiously followed the prescribed procedures for disputing and rectifying these inaccuracies, including the submission of supporting documentation and evidence of the inaccuracies. 

Here is a summary of the actions I have taken in my endeavor to address this issue : I promptly contacted your agency and filed a dispute regarding the late open accounts. I submitted all necessary documentation to substantiate my claims, which included proof of timely payments and communication with the creditors in question. 

After not receiving any resolution or updates on my dispute, I initiated follow-up inquiries, during which I was informed that the investigation was still ongoing. 

Subsequently, I submitted additional disputes, reiterating my concerns and supplying any supplementary evidence that was requested. 

I have persistently attempted to communicate with your agency 's customer service department via phone and email to inquire about the status of my dispute, yet I have not received a satisfactory response. 

Despite my repeated efforts to rectify this situation, the late open account persist on my credit report, inaccurately reflecting my credit history and detrimentally affecting my financial opportunities. 

I understand the importance of accurate credit reporting, and I firmly believe that your agency has a responsibility to ensure the correctness and integrity of the information within my credit file. Therefore, I respectfully request the following : A thorough and expedited reevaluation of the late open account on my credit report. 

Immediate correction of the inaccuracies by removing the late open account from my credit report. 

A detailed written response that outlines the results of the investigation and the steps taken to rectify my credit report. 

Assurance that measures will be put in place to prevent future occurrences of such inaccuracies. 

I anticipate a prompt and meaningful response to this formal complaint within the exact time frame from the date of this letter. Should my concerns not be adequately addressed, I may need to pursue legal remedies to rectify this matter. I am asking for your immediate assistance to correct this account : XXXX XXXX XXXX XXXX  Balance : {$7300.00}.

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