BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-02
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: Account information incorrect

Complaint:
I have a XXXX XXXX Overdraft Protection Line of Credit which I've had for years, but very rarely use for more than a few days. 

I check all my accounts monthly, including this one, to determine if I owe any money to any of my open accounts, and pay the bill accordingly. 

When I login to online banking, the amount due is {$0.00}, Due Date is blank, Available credit is the full amount of my credit line, and XXXX XXXX is {$0.00}. To any normal person, there would be no further action to take - so I took no action. 

Fast forward to XX/XX/XXXX, I receive a cryptic email from XXXX XXXX @ XXXX XXXX requesting me to call her. There is no sense of urgency in her email. I called her and she explained that I had a past due balance of some {$4.00} and change. When I accessed my online banking, again it displayed the same information : the amount due is {$0.00}, Due Date is blank, Available credit is the full amount of my credit line, and XXXX XXXX is {$0.00}. 

She said in order to see the past due balance I had to physically click on the Pay Now button and the website would then show the amount due. That's ridiculous by itself - since the website first said nothing was due. I indicated that I would pay the bill that day ( Tuesday ). When I attempted to pay the bill later that day ( I'm in XXXX now and XXXX XXXX is in MA, so there's a 3 hour time change - XXXX XXXX was already closed ) it would not let me, saying I have to transfer a minimum of {$10.00}. I didn't owe {$10.00} - XXXX owed {$4.00} and change, so I didn't have a way to pay it. 

There was no indication made to me that if I didn't pay the past due interest by that day I would receive negative credit reporting. That's exactly what happened. I was reported 30 days late to the bureaus because of a website error - the website was clearly communicating incorrect information. A consumer should not have to hunt and peck through the website to find how much is owed. If any amount is due, it should be displayed under the amount due column. 

I am attaching a screenshot of the website prior to making the payment that shows how information is being incorrectly displayed.

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 2023-03-07
Company: MOHELA
State: TX
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:
I would like to file a complaint against Missouri Higher Education Loan Authority or MOHELA for not processing my application for Public Service loan forgiveness despite qualifying for the program and submitting the appropriate application ( s ). I have worked for a not-for-profit organization as a physician for over 10 years. I now qualify for federal loan forgiveness under the I have applied multiple times for the Public Service Loan Forgiveness ( PSLF ) program ( XXXX of the required XXXX payments ). Unfortunately, MOHELA has not been able to appropriately process my application ( s ). MOHELA has still not processed my application submitted XX/XX/XXXX, despite indicated this would take <90 days to process. I have contacted MOHELA on several occasions, but have not been able to make any progress. I was most recently in contacte with a MOHELA operator on XX/XX/XXXX and was provided with misinformation : the operator indicated that MOHELA does not accept digital signatures on the application. I pointed out to them that the Federal student aid website from the department of education indicates that : " How to Submit the PSLF Form A reminder about digital signatures : Digital signatures from you or your employer must be hand drawn ( from a signature pad, mouse, finger, or by taking a picture of a signature drawn on a piece of paper that you then scan and embed on the signature line of the PSLF form ) to be accepted. '' The signatures on the form meet this criteria. I am concerned about the length of time that it has taken to process my application, and that I technically qualify for loan forgiveness, but have encountered incompetence on the part of MOHELA staff resulting in their inability to process my application to clear my loan. I purposely chose to work for a not-for-profit for the past 10 years so that I could ultimately qualify for loan forgiveness under the PSLF program. I had the option of working for a private hospital group and making a much higher salary, but chose to pursue the PSLF route instead. Now that I have worked for a not-for-profit for XXXX years and qualify for loan forgiveness under the PSLF program, I find it demoralizing that MOHELA is not able to appropriately process my application in a reasonable amount of time, as per their duty.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous account that needs to be investigated and corrected : XXXX XXXX Balance : {$710.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: GOLDMAN SACHS BANK USA
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: Their investigation did not fix an error on your report

Complaint:
We opened an account with Greensky to finance a home project. I set up my online account and added in my bank info for auto pay. I paid the first payment XX/XX/XXXX manually. Autopay was supposed to start XX/XX/XXXX. It attempted to pull the payment from my bank and then reversed it ( I did not know this ). My next statement ( XX/XX/XXXX ) stated that there was a payment due. I went online and checked and it said it was paid up to date. I assumed that it was a timing issue with bank transfer and due date. I get my next statement XX/XX/XXXX and it says I have a payment due AGAIN. This time I called the company ( this was end of XXXX, XXXX ), and at that point found out that the autopay wasn't going through ( error in their site ). They told me I needed to delete my banking info and put it back in, which I did, and added a second bank account as well. However, the account had gone 30 days late, 5 days prior to me doing this, and therefore a XXXX mark on my credit. The company said they called my cell ( but told me they didn't leave a message ) to let me know there was a problem. What is the point of contacting the consumer if you aren't going to actually make contact? They did email me, but their email had gone into spam. My personal email gets a LOT of junk, and I didn't see it. My credit was perfect before this. It dropped from XXXX to XXXX because of this company. This was not my fault, I take my credit health very seriously, and have worked very hard to keep my credit in excellent status. Greensky was not willing to help me, nor take any responsibility for the technical errors with the autopay. This has destroyed my credit. We are in the process of building a home and this is a real problem. I just want it removed and my credit restored back to what it was. I NEVER pay anything late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
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: Card opened as result of identity theft or fraud

Complaint:
A JP Morgan Chase & Co. credit card was applied for using my personal information and 2 charges was placed onto the card for the total amount of {$13000.00} I reported the fraud incident to Chase in XX/XX/2017 with a supervisor closing the account immediately. Chase evidently did not remove the amount charged and cancel the credit card as stated, so several months later I randomly began receiving billing under what appears as a different credit card number. Chase asked me to send a fraud affidavit with a copy of my driver license and personal information. Chase never called, emailed or sent any written response confirming they had received my affidavit and what they were doing with my information. Since sending my affidavit I have spoken with fraud supervisor after supervisor with zero results. I have asked for a US based English speaking supervisor or above and I believe Chase is misrepresenting their staff, as each supervisor I have spoken to is a foreigner trying to speak English on what appears as a US phone number. I have repeatedly requested a copy of the signed credit card application that they say was applied by me. They have refused to provide any such application. They have required me to continue paying for the minimum payments and claim they are investigating. I do not believe there is any investigation and as I have mentioned to previous supervisors there should NOT be any monthly charges necessary during a investigation and why did you close the account and several months later Chase decides to reopen a new account with zero communication with me. I have asked how the application was completed and signed i.e. by mail or if completed on the internet then what IP address initiated the application. It would appear Chase could easily check my IP address to confirm I did not make application. Again, they ignore all requests for any documentation. I have never applied for a Chase credit card, and I have not authorized anyone to use my personal information to make an application for a credit card and do not authorize any of these charges. Chase states in writing a Zero liability protection for unauthorized purchases and fraud protection. Chase endorses this policy in writing yet I am still having to pay a minimum payment in order to maintain my credit score and good credit bureau reports. I have fraud alerts in place at all 3 credit bureau 's and attempted twice to get the county Sheriff 's office to make a fraud report but they unfortunately said it is between me and the credit card company. Chase has violated not only federal regulations but their own written rules and promises to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX XXXX TRANSUNION, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Accounts ever late, closed accounts and collections history is reporting in-accurate amongst the three credit burros. I'm inquiring removal of all late payments & collections / charge-off accounts purchased by another lender. Report Includes : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE REMOVE ALL ABOVE ACCOUNTS ON CREDIT CONSUMER REPORTS. Thank You!

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: Orions Management Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against ORIONS MGMT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Alorica Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a loan with SST. They claim I missed my XX/XX/XXXX payment. I provided them with my XXXX bank statement and a text, sent by SST, confirming that the payment was made. They continue to send emails and texts telling me that I must bring my acct up to date. This XXXX I received an email telling me I did not pay my XXXX payment. This email included late fees so I sent them my XXXX bank statement and the text, sent by SST, confirming that the XXXX payment was made. They continue to harass me daily even after I provided paperwork to verify both payments. I have called at least 5 times but to no avail. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18
Company: The CMI Group, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have received notification from a company called Credit Management , LP seeking payment of {$260.00} for creditor XXXX XXXX. 

I wrote to Credit Management and asked them to verify this debt on XX/XX/20. 

I received communication back that they contacted their customer, XXXX, and XXXX said the bill is valid!! 
That is no way to verify a debt!!! There is no details about the age of the debt, no copy of a billing statement from the original creditor, the date that this debt became delinquent, etc. 
I have no idea what this is for. 

I wrote back to them again asking for verification in early XXXX, no work back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care that I want to dispute unauthorized items reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; US DEPT ED XXXX Balance : {$8800.00} ; US DEPT ED XXXX Balance : {$1900.00} ; US DEPT ED XXXX Balance XXXX {$1000.00} ; US DEPT ED XXXX Balance : {$17000.00} ; XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$560.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$6900.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$4200.00} 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 2023-12-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: FL
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 XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act 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 2021-11-09
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the XXXX credit bureau and found that this PDQ SERVICES ( Original Creditor : XXXX XXXX  XXXX AKA P ) was reporting to be negative on XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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