BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
In accordance with section 601. Short Title : Fair Credit Reporting Act I have not initiated any transaction with any of the companies listed below. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any of the companies stated for review or collection TRANSUNION : ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These companies had violated my rights as follows : 1 ) 15 USC 1681 602 ( a ) Reads as : I consumer ( s ) have the right to privacy.

2 ) 15 USC 1681 604 ( a ) ( 2 ) Reads/Paraphrased as : It also states a consumer reporting agency cant furnish an 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 2023-01-10
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Dear XXXX XXXX : PayPal has held funds provided to me by my customer via credit card since XX/XX/XXXX. There were XXXX invoices paid by my customer totalling {$30000.00}. PayPal shows that the funds are available to me, but when I try to transfer them to my bank account, it says " Something has gone wrong ''. They have sent me numerous messages which they said needed to be resolved to release payment. So far, I have provided my photo ID, a Bank statement, information about my business, my vendor/supplier information oand contracts, my business license, proof of order fulfillment and tracking, information about my transactions, invoices from my vendors, expalanations of activity change. And after all of this they are now asking to speak with my customer, who is a XXXX XXXX company. I sent them a note on XX/XX/XXXX saying that this was unprofessional and I did not want them doing this to my customer. On XX/XX/XXXX, they said funds might be held for up to XXXX weeks and would be released on XX/XX/XXXX. On XX/XX/XXXX, they said, funds would be released on XX/XX/XXXX. Then they said their back office would release in XXXX to 5 days, but they are still refusing to release the funds. 

Please advise how to proceed, as I Iam a small business owner. I have paid all of my vendors for these purchases, but am not getting the funds that are owed to me. 

Sincerely, XXXX XXXX - XXXX # XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Transunion is defaming my character by inaccurately reporting invalidated, unverifiable and questionable information on my consumer report without my permission.They were able to verify my identity but did not respond within 30 days to my request for investigation.

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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I sent TRANSUNION DISPUTE DEPARTMENT a letter and a FTC Identity Theft Report on XX/XX/22 about a fraudulent XXXX XXXX  account ending in XXXX via certified mail. The account was deleted from my report. On XX/XX/22 I received a letter from TRANSUNION stating they reinserted the fraudulent account. I filed and sent another FTC Identity Theft Report and a letter on XX/XX/22 via certified mail. After I saw that the letter was received I gave TRANSUNION the 4 businesses days they had pursuant to the FCRA (! 5 USC 1681c-2 ) to delete and remove the account from my report again, I tried to check my credit report via XXXX. I was unable to access my report so I called TRANSUNION directly. The employee from TRANSUNION DISPUTE DEPARTMENT confirmed to be the aforementioned XXXX XXXX account is no longer reporting on my file and to wait for the updates. My report never updated. I called back 2ish weeks later to confirm that the account was deleted. The employee from TRANSUNION DISPUTE DEPARTMENT confirmed to be again it was not reporting on my credit file. I requested an updated credit file in the mail because I still could not access my report online. I never received it. I waited another 2ish weeks and called again to see what was going on, as my credit report was STILL not updating with the changes and I was unable to access my report AGAIN. This TRANSUNION DISPUTE DEPARTMENT employee confirmed that the account was not reporting and told me the updates for my credit report are pending. She told me she would have someone call me to expedite the changes and no one ever called. My credit report has NOT been updated in OVER 30 days. Furthermore, my credit score remains in the low XXXX and the delinquent aforementioned XXXX XXXX  account ending in XXXX is still reporting on my credit report. This is ruining my reputation as I have found a home and I'm not able to apply for it because of this fraudulent and delinquent account reporting on 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 non-monetary relief
Consumer complaint received 2016-11-04
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have contacted AES on numerous occasions to discuss my large monthly private school loan in an attempt to reduce the monthly payments. My monthly payment is XXXX and I can not afford this therefore I am late on the payment. Each time I contact them, I am told that there is nothing they can do for me except 3 months at a lower rate of XXXX but with a XXXX upfront payment which I do not have. I have been struggling with this payment and company for 6 years and they will not assist in any way. Because this is a private student loan they do not offer income based programs or any type of reduced payments. If I was a public assistance recipient I would not have this issue which I think is prejudice towards me. If I had known how this company deals with their customers I would have never went to college and obtained a XXXX XXXX. I would have been better off working at a local XXXX. I am very upset and discouraged with our education system and their unwillingness to help. my husband and I both work full time and have not been able to even purchase a home. My payment far exceeds what a mortgage would be. Again it is either pay this large monthly loan payment or do n't eat! there is no way around it. I have cosigners on these loans one of which is my grandfather who is XXXX XXXX XXXX, on a very tight monthly budget and AES constantly harasses him for the payment. I have requested cosigner releases many times but denied. I have other loans with ACS and I contacted them and they were able to reduce my payment plus wipe out the past due and start new in XXXX. I was on the phone with them a total of 10 minutes and it was complete. I was on the phone with AES for over an hour with no results or assistance. If XXXX can help why cant AES. I 'm not sure what can be done but I will continue to pursue this issue and contact my local representatives or whomever to resolve this. 
attended XXXX/ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
The credit card was on auto pay, and Bank of America still processed a payment on the account, causing a credit balance of {$1100.00}. After a phone call, they indicated they would send the balance back to our payment account within 5 business days. This was not done. I referenced a legal requirement found that indicated that a financial institution would have seven days to provide a refund if requested in writing. I contacted BofA to obtain this address and was told they did not have a place to send these inquires. I told them this was contrary to the law and was met with silence.

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 2022-10-18
Company: Certegy Holdings, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Certegy failed to provide a copy of my report. I would like a copy of my report immediately to determine if accurate information is being reported per FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: SC
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, Account name : XXXX XXXX, 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 explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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. 

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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
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. ( XXXX - XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 explanation
Consumer complaint received 2023-04-26
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I reached out to get a new card to use as the billing address changed. The company notified me that they wouldn't issue a new card because they closed my account. However, there has been XXXX notice that the account was canceled. They stated that they canceled the account due to returned checks, however, this was an accounting error on their end by an account I never added to the profile. So I personally never sent a bad check. I also paid off the account so there should be no reason to cancel. I also don't have a poor payment history with the company. At this point, I do not wish to continue business with their credit agency, however, I do want to make it known that this company canceled my account with no notice to me over an error on their part. I hope future consumers are protected from this type of behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have several student loans owned by NCT ( or XXXX ) and due to my worsening XXXX XXXX I have been unable to work for some time. I am receiving Social Security XXXX, have been approved for a XXXX XXXX discharge, and approved by XXXX & XXXX for a full discharge of the student loans that they held. I asked NCT for a compassionate review of my private loans ( totaling over {$40000.00} ) 8 months ago and they have responded with requests for more information, but have not forgiven the loans ( or made any effort to compromise ) despite my promptness in getting the information they requested. At this point, my loans are soon to do into default which wo n't do anything except destroy my credit because I do not have the ability to pay these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: Conn's, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Conns Home Plus collections calls my wife and I everyday twice daily or more on Sundays and Saturdays and Holidays.I have requested of them not call my home because of my wife is sickly and not call while I am at work. I asked them to call me after XXXX. I have explained to them that I am only two weeks past due and please stop harassing us I told them how my Job shut down for two week and I had to file Unemployment for those weeks. and my job called us back to work but that I will be behind. Even when I give them a day that I will make arrangement the pay.They still call and ask for my Credit card number or Post dated check. 

This Company refuses to give me an address or email to file a compliant.This company is the most unreasonable company I have ever dealt with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion I sent you a dispute form asking you to please investigate credit inquires on my credit file Because but you fail to do so I have asked you to lock my credit file so nobody can get access to my file due to the fact of identity theft you have failed to investigate my request. I Will send you once again my letter of request attached to cfpb site. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XX/XX/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 2023-04-26
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have never given permission to furnish the information to Lvnv Funding Llc. Investigated accounts that you didnt request to be investigated. Majority of the account information is inaccurate, the open dates and last active dates are never matching on any information originally. Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX has put one 30 day late payment on my credit report and it is mine. It is appearing in my credit report two times. I have been trying to get rid of this since last six months but no luck. Every time I request, Transunion will put it onto Dispute Status and keep it like that for ever. It is really hurting my credit score badly.

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 2017-01-20
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have kept up with my monthly loan payments with Navient, however, I am concerned that my overall balance is going up and not down. I am currently on an income driven repayment plan and I would like to understand why my balance is increasing. I attended and graduated from XXXX XXXX, TX location but that locations has since closed due to fraudulent financial aid practices. I 've provided the school I attended here because it is not available in the section below for " What college or university did you attend when you received the loan? '' category. I believe it 's closure is why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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 AM VICTIM OF FRAUD, THEY MADE DIFFICULT HARD INQUIRIES ON MY REPORT WITOUT MY AUTHORIZATION, PLEASE HELP ME ELIMINATE IT. 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

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 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I recently received a copy of my credit report and found proof that the credit bureaus are illegally reporting inaccurate information about me. The following alleged collection account ( XXXX XXXX XXXX ) is not only listed as a OPEN, but also as having a PAST DUE BALANCE of {$1300.00}. This is a violation of the FCRA and is in violation of requisite METRO2 compliant reporting standards. According to the Fair Credit Reporting Act I have the right to a completely accurate credit report, and they are required to remove any information that is not true, verifiable and accurate.

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 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Date : XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX To Whom It May Concern I am writing to update /correct the personal information on my file with your company. 
Please update my address to XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only employer is XXXX XXXX . 
I do not wish to have any telephone numbers listed on my report. 
Please remove all the other addresses from my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely, XXXX XXXX Cc : Transunion XXXX XXXX XXXX, XXXX, PA XXXX, XXXX XXXX XXXX XXXX, XXXX , GA

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