BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX  XXXX, Account name : XXXX 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 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 if 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 2020-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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 filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.

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 2023-06-16
Company: McCarthy, Burgess & Wolff, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX sent my account to a attorney. The amount was {$800.00} now its {$2200.00}. Which i'm not paying all these extra fees. This is how XXXX treats customers. I already told them I was facing financial trouble and why i had to disconnect my phone number but they don't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I applied for the SAVE plan for my federal medical school loans back in XXXX. On my Nelnet account, it says that they received this information on XX/XX/2023, however it is 2 months later and it still says that my IDR payment plan is still processing. I have contacted them numerous times to get an update on my situation, but all they say is that there is a backlog and they will send me updates every 10 days, which they have failed to do. This has cost me over {$2000.00} in interest so far that would have been nullified if they had processed my application and put me on the SAVE plan in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Recently, a new account showed up on my Credit Report, Claiming to be a XXXX XXXX account I opened in XXXX. 
They claim an opening balance of {$22.00}, XXXX XXXX XXXX Balance of the same amount Claim Current amount owed of {$23.00}XXXX XXXX {$1000.00} more than the original amount. 
It is stated that I have no late or missed payments. 
There is no payment data for the past XXXX years up until about 4 months ago, at which point it states that my monthly payments of {$0.00} per month have been made on time. 

I have not been in school since XXXX, so there is no way I could have opened a student loan account. 

I have never heard of this company, XXXX. I have never entered into an arrangement of any kind with them. I have never been contacted by them. I have nothing in my email history with the word " trellis ''. 

I filed a dispute with TransUnion, letting them know that I do not know them and that I have not opened an account with them and that I haven ' ; t been in school ( thus unable to open a student loan ) since XXXX. I received a response a couple weeks later stating that no changes have been made to my credit as a result of the dispute, yet there was no information provided that supported their determination. 

So now I am fighting a losing battle with TransUnion about an account that just appeared out of thin air a few months ago, and I can't even get any reasoning from them. 
I tried disputing it again, but was told that I could not dispute it a second time. 

How do I prove that I Don't know the lender, did not open an account, etc? 

And how do I get Transunion to be transparent?

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 2023-02-16
Company: EQUIFAX, 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 this account ( A ). It is not permissible to fail to validate this reporting account 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 : XXXXXXXX XXXX XXXX XXXX  Balance {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Amsher Collection Services, 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:
Ive sent 3! cease and desist letters certified mail return reciept and made 4 phone calls to cease and desist I sent them a XXXX dollar invoice for 3 violations of law on 3 credit reports which they did not have my express written permissible consent nor provided the contract I requested between us. They are in default and will not respond to me mayb they can answer you and provide the contract of consent which I rescinded from XXXX and opted out of sharing info to 3 rd parties they removed it and placed it bak on my consumer report which now they owe me XXXX dollars and ignored my contract their silence was in agreeance to pay the XXXX dollara

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: HW Holding, Inc
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXXXXXX  @ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WA ( XXXX ) XXXX opened a Fraudulent account in my name along with a collection agency Hunter Warfield in XXXX, FL. 
I'm alerted by my XXXX XXXX Identity Theft Security Department who flagged these agencies as Fraud. XXXX XXXX XXXX XXXX lied claiming I owe them {$770.00} this account is not mine! I submitted a Police Affidavit required to the Credit Bureau 's already and Hunter Warfield Collection Agency has been DELETED and is being " Blocked '' from re-displaying on my credit reports. I do want to press charges against XXXX XXXX XXXX XXXX and/or Hunter Warfield for Identity Theft. I have a complaint with the Washington State Attorney General 's Office and I was told today XX/XX/2023 to also contact XXXX Police Department to press charges, which I will do. My XXXX XXXX XXXX is working with the Fraud Department of my credit bureaus to stop and prevent these stated fraudsters from opening further accounts in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Chase XXXX XXXX XXXX I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right " credit, '' by CHASE XXXX XXXX XXXX XXXX I was notified of this transgression of my rights, specifically 15 USC 1601 The Truth in Lending Act, by CHASE on XX/XX/2021 via US mail. According to 15 USC 1602 definitions of the Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by CHASE adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to { {$5000.00} }. CHASE is now civilly liable to pay me for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX XXXX XXXX XX/XX/XXXX To : TransUnion Fraud Division XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion Fraud Division, I am writing to formally request the deletion and blockage of certain information from my credit report and to dispute the accuracy of my credit score. I believe that there are inaccuracies on my report that are negatively affecting my creditworthiness. 

Specifically, I request the removal of the following accounts and inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Additionally, I request the removal of all inquiries related to the mentioned accounts. I believe that the presence of this information is inaccurate and has led to an unjustifiably low credit score. My current score is reported as XXXX, whereas I believe it should be closer to XXXX based on my financial history. 

I am concerned that TransUnion may be discriminating against me based on my social security number, which begins with a 4. It has come to my attention that individuals of minority status, particularly those of the XXXX XXXX, have experienced similar issues with TransUnion. This leads me to believe that there may be discriminatory practices at play. 

I want to emphasize that TransUnion is the only credit bureau that is allowing fraudulent information to persist on my credit report. I find this situation unacceptable and damaging to my financial standing. 

If these inaccuracies are not promptly addressed and corrected, I will be forced to file a formal complaint, including allegations of discrimination, against TransUnion. I trust that you will conduct a thorough investigation into this matter and take appropriate action to rectify the inaccuracies on my credit report. 

Please provide me with written confirmation of the actions taken to address my concerns within 30 days of receiving this letter, as required by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-11-03
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I applied for the save plan in XXXX and it was received. They asked for my pay stubs I sent them at the beginning of XXXX. I have gotten 3 different emails over the month saying I need to submit my pay stubs yet every time I call they say they have them. I submitted them on the website. I was put in forbearance in XXXX while they review my application, less than a week later my payment went from {$300.00} to {$2100.00}. When I called and asked why this happened the customer service rep told me she didnt know but I had to consolidate all my loans in order to qualify for the save plan. I called back because it didnt sound right and the next rep told me this is untrue. Thank god I didnt do it. Everytime I call they tell me my application is processing, but I get no updates and it is never completed when the rep says it is. I have been getting wrong information at every turn and it is very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On Monday, XX/XX/XXXX. Applied for a XXXX XXXX Card in  the XXXX XXXX app after seeing the promotion being offered. I have 24 accounts of which only 1 is in use. My credit score is over 700. I was denied the card due to heavy use of available revolving credit. The only outstanding credit I have is a XXXX XXXX  Car Loan and XXXX Credit Card that has about 78 % being used. Ive tried multiple times to get this removed by numerous calls but Im either left on hold or told theres nothing they can do unless Im disputing an actual account. Secondly, I submitted a collection credit dispute for XXXX XXXX XXXX XXXX in XXXX, Ca. Until today I never heard of them. I called and theyre saying I owed a payment to XXXX XXXX XXXX in XXXX, Ca for services preformed on my then ( XX/XX/XXXX ) XXXX year old son XXXX XXXX. I no longer live in California but I regularly went to Dr. XXXX never was I approached about this outstanding bill. 

Please look into these newly added issues in my credit report. Experian has not tried to resolve my issues despite my efforts. 

Thanks 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 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 



XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2023-10-04
Company: EQUIFAX, INC.
State: NJ
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX ================================ UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

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 account/items information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
There is an account on my Transunion credit report with at least 7 errors that I have been disputing since XX/XX/XXXX. Transunion sent me a letter on XX/XX/XXXX stating that the account was updated however there were no changes made to the account entry. I have sent them all of the necessary proof of the errors and nothing has been done. There are several FCRA violations and the credit bureaus have failed to delete this account.

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 2019-09-17
Company: General Motors Financial Company, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I went in to XXXX XXXX XXXX in XXXX Georgia to buyout my leased car in XXXX. It seemed to be like a smooth process until a month later when I realized my tags had still not been sent to my address. No one at the dealership told me I needed to go to the tag office to request tags not did they provide any other information as to what else was needed for me to do. I went to request a tag extension since my tags were due to expire XX/XX/XXXX and it was XX/XX/XXXX at this point. At the tag office they informed me that I was not even in the system! The dealership had not processed ANY of my paperwork. Not only this, but they hadnt done the inspection, oil change, or emissions test that was required for every purchased car so I had to run around for a week trying to figure out how to get these items done. Still nothing from the dealership. I called several times and everyone said theyre were going to figure out how to process the paperwork but they didnt even realize the emissions hadnt been done until the XXXX of XXXX, 2 days after my tags expired. So I needed to get the emissions done and file the paperwork myself and 10 days after my tags were expired I was finally able to get tags. 

Now its a few months later and I get a call from GM financial about an overdue balance on the leased card, which the dealership was supposed to pay! So I have a huge reduction from my credit score because of a balance I was never supposed to pay. The dealership has been the most difficult to deal with, the management has no idea what they are doing, they are super unprofessional in how they have handled the situation and with their customer service. They stopped taking my calls at one point, werent getting back to my voicemails, and when I spoke to the management in charge they gave me such an attitude as if this whole thing was my fault. Yes, they did repay me for the emissions test and the inspection and tags I had to pay for, but for the inconvenience and stress I should have been given more. I am appalled at the situation and I can not believe how unprofessional they have been and how stressful buying out my lease has been. They have serval times said they would do something and it never happened until I harassed them to do so or had to just do it myself. I had to get another dealership to even send in my emissions test so I could get my tags, so this is just disheartening and sad. I need this taken off my credit ASAP and I want nothing else to do with this dealership. I hope all XXXX dealerships arent like this because this is ridiculous.

Company response to consumer: Closed with non-monetary relief