BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, 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. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXXXXXX 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 2018-10-22
Company: Nelnet, Inc.
State: WI
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:
Nelnet is misleading consumers regarding how excess loan payments are allocated. In XX/XX/XXXX, I learned that Nelnet had grouped two different loans ( different dates of origination and different interest rates ) so that my excess payments were misapplied. Nelnet had to " redisclose '' the lower interest rate loan, and as a result, I had to either ( 1 ) pay an extra {$300.00} a month ( in addition to my regular monthly payments ) to continue to make payments on my loan that were paid in advance or ( 2 ) make no payments on the loans paid in advance until they became due.

In addition, when I had them ungrouped, I gave special instructions to Nelnet that I wanted all payments in excess of my minimum payment to be allocated to the highest interest rate loan. I reviewed my account today and, with the payments having been inappropriately allocated in spite of my many calls to Nelnet, I once again called. They told me that the Nelnet policy was to apply excess payments to " the highest interest rate loans with the largest loan balance. '' In reality, they were allocating my payment to apply my excess payments to the lowest interest rate loan because it had the largest principal balance. They also had changed my autodebit amount ( again ) without my permission because, per customer service, FEMA issued a disaster declaration for my area and mandates that all loans be put in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: RMA Credit Association
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As of today, XX/XX/2021 I received a notification on my credit file that a company by the name of RMA Credit placed a balance in the amount of {$1100.00} on my XXXX credit report. 
I am not aware as to whom this company is, neither am I aware of the services that this company offers. This same company has attempted to place this information on my credit report and I had to bare through the pain to go through the hassle to get the information deleted from my report, due to me NOT having any information associated with this company. I have not ever applied for anything with this company and once again, I am unaware of the services that are offered and would not recommend that anyone deal with this company in any type of manner.

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 2023-10-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
An account was opened on or about XX/XX/2017 with XXXX XXXX XXXX CT. A balance of {$5100.00} is being reported to Experian as a Collection/Chargeoff. I was victim of identify theft and previously submitted dispute of accuracy to my reporting for this item, however XXXX XXXX XXXX CT and Experian never properly verified the accuracy of the account with me and never had my consent to disclose any private information to any other parties. Yet Experian is still reporting this item despite violating 15 US Code 1681 and FCRA. 

I am aware of my right to privacy under the FCRA. Neither XXXX XXXX XXXX CT nor Experian have provided any proof of me giving them my consent to disclose or furnish my private information pursuant to 12 CFR 332.4 which is a direct violation of my right under the FCRA as well as the CFR.

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 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called Transunion XX/XX/XXXX to inform them about the call I got from XXXX. 
I did a police report on XX/XX/XXXX I received a letter from Transunion on XX/XX/XXXX regarding the information they found XXXX XXXX XXXXXXXX XXXX was accurate. 
I'm disputing this decision. 
I've received paperwork through XXXX XXXX XXXX XXXX. I had the paperwork notarized and sent back. The problem is that their site has no phone number. They don't have my phone number, social security or or address.

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 2023-08-14
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:
See the attached Debt Delete letter from the company and remove the XXXX XXXX XXXX account 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 explanation
Consumer complaint received 2023-02-26
Company: Experian Information Solutions Inc.
State: OH
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:
Ill check my credit report and noticed some hard inquiries on my credit report I didnt approve 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 2023-10-05
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I XXXX XXXX and my partner XXXX XXXX attended a time share in order to retrieve free gifts promised to us. We were told we would receive 3 days and2 night free stay if used within a year at the Wyndham resorts in XXXX XXXX XXXX. It was my spouse and I anniversary. We declined to purchase any time shares due to refinancing our home and necessary upgrade to our home. We expressed not interested in what they were offering. Declined all offers presented to us. They already had our photo IDs per the sign in process. They did ask for us to fill out a brief questionnaire about our finances and occupation. It did ask for ssn. We provided our information on the sheet but never authorized to be signed up for anything. After declining we were told to go to the website or call to book the room to redeem voucher we received. This company took my information and created what XXXX XXXX  stated to me there was a credit account opened asked did I want a card to be mailed. I wasnt sure what she was talking about. I asked her was this a credit card, loan, credit line. She was not able to see what type of account it was so then I started asking more questions in regards to when it was open and where did they mail correspondence to and realize that the actually mailed correspondence regarding the collection to a wrong address. The address on my photo ID is not my current address. They use that address to send some thing there had I not went to my mothers old home for rental property. I would have never known this account was open it says vacation club credit account she mentioned that it may be a point system, so I tried reaching out to Windham. I was unable to receive any information in regards to this account. It does not specify that we purchased anything at all. I would attach the bill the collection bill that was mailed to the wrong address. I am not at all responsible for days. This is zero liability on my end, because I did not open this account and I would like for this to be removed off my credit. 
I looked up and research on XXXX about timeshares and what they do to people like myself that is unaware about everything and they swindle you and persuade you and make you feel like oh youre gon na get something free, but end up tricking you into something completely different after declining multiple times They should have known I was not interested so now I am very upset and irate. I filed a dispute with XXXX XXXX and they did research, but it came back that I need additional information which I do not have because again we did not sign up for anything. We only retrieve our free gifts for restaurants and the voucher for the free three day two night stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX CRED XXXX ONEMAIN XXXX COMENITYCAPITAL SALL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX BANK XXXX XXXX ONEMAIN XXXX CAPITAL XXXX BANK XXXX XXXX ONEMAIN 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 2020-04-10
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 have recently checked my credit report and saw many accounts that seem to be medical bills showing. I believe someone has been using my name or personal info to get certain things. This is fraud and I want to get to bottom of this because it is hurting my financial situation tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have been granted NJ property tax exemption in XXXX XXXX XXXX I have informed my current lender Mr. Cooper about the exemption and requested new escrow recalculation. I have submitted state exemption documentation. For the past 8 months Mr. Cooper continues charging me for property taxes even though I dont have to pay them. My county and town tax assessors have both reached out to the company with no resolve. I have called about 20 times without any resolution. As of today MR cooper has over charged me thousands of dollars and i have no one to reach out to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On or about XX/XX/XXXX I graduated from school of which at that time all of my loans were paid in full with Federal Direct Loans. 
Since then the loan was sold to NELNET INC EIN XXXX-who has been monetizing and trading on it-using my SS number without giving me any tender-securities or dividends-or even asking for my permission to use or access my trust, then has the audacity to attempt to ask me for a payment of a loan of which has been paid more than ten years ago. 

However, I ask can NELNET INC-who is in breach { of UCC 3-302 holder of due course-This is a crime } send me a contract between myself and them stating that we have any type of agreement? If not of which they have still not giving me anything in it's original form, why? Because they are committing FRAUD. 

In addition According to HJR 192 of 1933 at XXXX -ALL DEBTS ARE PREPAID. 
If this fallacy of debt is not removed I am prepared for legal action against them and have the IRS audit this NELNET INC company. 

Again kindly remove this false XXXX { XXXX XXXX XXXX XXXX } debt that stains my credit report ASAP. Please and thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being 30 days late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. I am writing to formally dispute the information contained in my credit report, specifically regarding XXXX XXXX XXXX XXXXXXXX. Upon noticing inaccuracies in my report, I took it upon myself to reach out to the creditor to request validation of the debt, but to my disappointment, they failed to provide any supporting documentation. I reached out to XXXX XXXX regarding the validity of the debt, but they did not provide any. As I am looking over my credit report, this account is incorrectly being reported as a late payment account. Please provide proof of the account was 30 days late and delete the negative payment status on this account. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.

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 2023-03-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In review of my XXXX credit report I noticed that a collection has been reported without any notification for Portfolio XXXX. I do not know who this company is and why they are violating my consumer rights. 

They show as opening this collection on XX/XX/XXXX which is in direct violation of the FDCPA Regulation F. This rule was passed in XX/XX/XXXX which clearly states : Actions Which Must be taken Prior to Credit Reporting : Prior to reporting a consumer debt to a credit reporting agency, the debt collector must now actually speak with the consumer about the debt, either on phone or in person, mail the consumer a letter about the debt and wait a reasonable period of time to receive a notice of undeliverability, or send the consumer a message by electronic communication and wait a reasonable period of time to receive a notice of undeliverability. 

This company has not abided by the law! They have just knowingly and willingly placed a debt that I do not identify on my credit file and has hindered my ability to get approval from other lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I forgot to make a payment on my XXXX XXXX XXXX for {$330.00} in the month of XX/XX/XXXX. A Toyota agent called me on XX/XX/XXXX and informed me of this and on the phone I scheduled a payment with the representative, the agent waived the late fee as well. The following days I checked my bank account, the payment pulled successfully on XX/XX/XXXX and I received an email from Toyota saying that the payment was posted to my account, I was now all caught up on payments. I then made another payment on XX/XX/XXXX for the amount of {$330.00}, this was to pay for the month of XXXX. XXXX I receive a statement in the mail saying that I owe two payments, one for the month of XXXX and XXXX for the month of XXXX. When I called Toyota they claim they never got my payment on XX/XX/XXXX for my XXXX XXXX. 
I reached out to them multiple times, I followed their protocol of faxing over my bank statement showing that the payment was pulled and never returned to me and I even had them notate in my account that the I did indeed fax over the bank statements to both numbers given to me. I had let the representative know that the fax was showing up on my end as no answer and requested some form of receipt for the fax to ensure it was sent but they told me there was no way to issue me a receipt but its rare that they dont get faxes. I paid my XXXX payment and then I called Toyota again on Monday XX/XX/XXXX to see if they updated my account as I sent the faxes on XX/XX/XXXX around XXXX. The representative let me know that the finance department was waiting to receive all faxes ( from XX/XX/XXXX ) and this agent said he would call me back the next day with an update, nobody ever called me back. They have never updated my account to reflect the payment or refund me and nobody seems to have an answer for me but I just got my XXXX statement and it shows that I still owe my XXXX payment and there is now a late fee. I have reached out and nobody seems to be able to mark my account as paid or re issue me a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request to the Credit Burueas that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance {$54000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXXXXXX : Bankruptcy Reference Number XXXX Date Filed XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-13
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: Was not notified of investigation status or results

Complaint:
I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation