BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
n accordance with the Fair Credit Reporting act XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts. Please remove them immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-24
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On a number of separate instances over the last few months, American Express customer service employees lied to me about the benefits of a credit card they wanted me to pay more for and upgrade to. They told me I would get complementary airfare credit this year, but instead, the airline ( Delta ) - after I signed up for the card and went to use the benefit - said American Express had lied and that was not true, and that I could not have a credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 submitted an disputed Electronically with Transunion multiple times with accounts ( XXXX ) starting with account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account is over my states XXXX, The account came back verified with no proof or method of validation. 
I also disputed an account ( XXXX XXXX XXXX XXXX ) Starting with account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account was also verified as accurate, which has now been reported as delinquent after I disputed 4 ( FOUR ) years that is illegal & it is altering the accuracy of my credit age to pursue this debt longer. I have also opened a case with the XXXX regarding them not providing proof this debt belongs to me. 
I requested a method of verification via transunion and have not received it. Transunion has failed to provide proof of validation to me and I am requesting these accounts are removed from my credit report as they are not meeting CFPB guidelines. 

These two accounts have been reporting as accurate with no proof after disputing for years via Transunion.

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 2023-12-09
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Nelnet has not processed my SAVE application, which was submitted to them by the DOE on XX/XX/2023. I have confirmation from the DOE that Nelnet is my service provider, but Nelnet has made no progress on my application, and insists that I do not have an application filed with them. 

On XX/XX/2023, Nelnet sent me an account update telling me that my account was in administrative forbearance, and that I was not required to submit any payment during that time. The message had no end date, and no message of loan payment activation was sent after the message of administrative forbearance was sent. It was my understanding that, as of XX/XX/2023, my account was in forbearance and did not require repayment. My account on Nelnet 's website has no record of this message -- in fact, I have no messages in my account inbox except for my statements. 

On XX/XX/2023, I received a message from Nelnet telling me that my account was past due, and that I owed twXXXX months ' worth of bills, totaling over XXXX dollars. That bill includes both the month of XXXX and XXXX, even after the account was supposedly put in forbearance. 

I have been unable to contact Nelnet on this subject outside of automated voice messages. Their hours are incompatible with teaching hours, and their call centers have an average wait time of 2 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 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 2023-04-17
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/2023, Navy Federal Credit Union deducted {$1400.00} from our checking account on the basis of a fraudulent claim made through XXXX by a former tenant. Neither Navy Federal nor XXXX made any attempt to verify the claim, contact us regarding this claim, nor did they allow us to provide evidence to counter the false claim. They did not even notify us of the deduction from our account. XXXX has insisted that we go through Navy Federal to resolve this. The former tenant 's bank XXXX XXXX also indicated that Navy Federal is responsible. 

We have ample evidence that we have since provided to Navy Federal at a branch office that the claim had no basis, and have requested they reinstate our funds. Navy Federal has refused to provide any evidence upon which the deduction was made from our account. Our evidence includes the lease with the former tenant, the entire history of rent payments made by the tenant through Navy Federal, the history of payments made by the tenant through XXXX, the entire balance history, and the back-rent still owed to us by the former tenant. We have talked with at least four representatives and supervisors from Navy Federal 's " Fraud and Digital Services '' department. To date, they have insisted that they will do nothing to consider our evidence, and that our only recourse is to file civil suit against our former tenant.

Note that the file attached to this complaint includes only a small part of the evidence supporting our position. Much more has been provided, and is still available, to Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The problem is : the Mortgage Company Mr .Cooper and now it they division : Right Path Servises not providing required Statements : Current Mortgage Statement, My Forbearance balance and total I owe with an interest rate in written documents I have to have to Reinstate the Loan and get out of Forbearance. I been trying to get it since XX/XX/XXXX, send them about 5 letters asking remove cease and desist and send me written statement, requested by Housing Counsellor, that they have to have to help me apply for the Grant, to Reinstate the Loan. I file 5 complaint on my account with my mortgage servicer. I have the record of that and number of complaint. They told me those documents does not exist because my Bankruptcy in XXXX. But use to get monthly statements before : like I got on on XX/XX/XXXX, I been calling many times, asked to talk to manager and they always tell me they cant transfer me to manager and they cant do anything. They proposed New Loan Modification that financially way worst then my existing, it same as buying brand new car for bank every 5 years, that for single mother a lot. I want to Reinstate the old loan, pay the Forbearance balance, and they preventing me from doing that, I cant apply for government grant that available to homeowners because I cant get a Mortgage ( Information ) statement from them. I dont know that to do. I need it ASAP!!! Thank You for your help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX I purchased a engine for {$1900.00} from XXXX XXXX XXXX. I never received my purchase so on XX/XX/XXXX I filed a dispute with RELIA CARD US BANK AND THE INFORMED ME IT WAS A 120 day process I called frequently to check the status I even sent them invoices proving my case in XX/XX/XXXX so on one of the calls to cardholder sevices on XXXX XXXX I learn I was granted permanent credit on XX/XX/XXXX but the funds never hit my account so the representative on the call Escalated my first ticket advising me to call back in 24 hours so I called back on XX/XX/XXXX and they said it was no update and the did a second escalation ticket that would take 3-5 days when I called back still no answers on where my funds are and whats going on I also learned I was supposed to receive a letter correspondence saying my issue was resolved and I would get my funds but they keep promising the letter but it has yet to be sent out PLEASE HELP I REALLY CANT BELIEVE THEY HAVE GIVEN ME MISINFORMATION FOR 5 months and still leading me on after I WAS GRANTED THE CREDIT ... THEY KNOW IT NEVER CAME TO MY ACCOUNT THEY REFUSE TO ACTUALLY HELP THEY JUST TRANSFER THE CALL TO A DEAD LINE OR ANOTHER PERSON WITH MISINFORMATION PLEASE HELP ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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: Was not notified of investigation status or results

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TOO INACCURATE INFORMATION ON ALL OF MY CREDIT REPORTS. I HAVE NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT RECEIVED ANY RESPONSE. 

FIRST LETTER SENT XX/XX/2022 SECOND ATTEMPT SENT XX/XX/2022

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 2023-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Tried depositing checks into my account. The ATM froze and crashed in middle of the transaction, holding my checks. 

Bank can not start a claim or issue a credit without me telling them the amounts on the checks. I dont have the amounts because they re stuck in the ATM. 

Now I dont have my money or checks, bank refuses to help me in any way. 

ATM ID XXXX or XXXX. 

Happened XX/XX/2023 in XXXX XXXX at XXXX XXXX XXXX location.

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 monetary relief
Consumer complaint received 2023-02-11
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: Investigation took more than 30 days

Complaint:
My first letters to the credit bureaus regarding this account were in XX/XX/2022 and I have sent out letters each month since. This account is fraudulent and has been in dispute since I first seen it around labor day last year but according to the credit bureaus they have it listed as not in dispute and remains unverified in the last several months. How is this possible if I have sent repeated letters to each bureau disputing this as well as letter to the alleged creditor. These are all violations of my rights under Title 15USC1681 and I demand that CFPB investigate this. Each bureau had 30 days to verify the account and not only did they send me letters stating it was verified but yet on their own report it states that there has been no verification and it is not in dispute. I have copied the XXXX, FTC and the Attorney General for Florida.

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 2021-03-22
Company: LEXISNEXIS
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: Investigation took more than 30 days

Complaint:
I have contacted LexisNexis numerous times to have two Bankruptcies XXXX and XXXX deleted from my LexisNexis report. I have sent LexisNexis letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When I sent the letter on XX/XX/XXXX LexisNexis never responded. Because they took more than 30 days to respond these Bankruptcies must be removed from my LexisNexis report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
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:
MY CLOSE FRIENDS OR FAMILY MEMBER USE MY INFORMATION WITHOUT MY CONSENT I WAS NOT AWARE OF THIS UNTIL THIS YEAR MY PERSONAL INFORMATION WAS USE I AM A VICTIM OF FRAUD!! am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have first noticed by Bank of America about my fraud transaction and call the fraud department and the gentleman from the fraud department said someone already uses my credit card for over {$2000.00}, even it shows the decline and the gentleman closes my credit card and will file a fraud claim. I have reported to the Bank of America fraud department about my fraud transaction and the amount is {$430.00}. Credit card fraud claim denied for some reason. I want them to refund my fraud Amount of {$430.00}.

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 monetary relief
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-05-03
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

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 2021-03-20
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received a bill from Synchrony bank for my Amazon.com store card in XXXX. I paid the amount due, I saw later the bill was received 2 days after the due date ( around XX/XX/XXXX ). I contacted Synchrony, using their automated system, it said I would be refunded the late fee of XXXX ( my total balance on the card was XXXX which was paid on XX/XX/XXXX ). I received another bill in early XXXX saying that I owed {$110.00}, including a {$38.00} late fee. When I contact Synchrony they said I had a missed payment of {$38.00}, since the {$14.00} was not enough to cover the XXXX plus the XXXX late fee ; even though the XXXX late was refunded. The balance that was supposed to be paid was apparently {$38.00}, which incurred a {$38.00} late fee. When I called and inquired about the late fees and the balances owed, they said I missed the payment that was due after the first payment in XXXX and that was the reason for the second late fee. Even though I never received a second bill, and the initial late fee charge was waived. Over the phone they told me there was nothing they could do, and the second 100 % late fee would be charged.

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 monetary relief
Consumer complaint received 2023-08-03
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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