BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-02
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: Account status incorrect

Complaint:
I have an XXXX card issued by XXXX XXXX XXXX XXXX I never had any late payments on and even had autopay and scheduled payments enabled. I tried to call them multiple times because out of nowhere they had a glitch, closed my account and reported a false charge off on my credit reports ( XXXX, Transunion and XXXX, I checked my reports this morning ). Their customer service isnt even working right now either and my FICO score dropped by 13 points as a result and Im very angry and frustrated. Sending this in case XXXX does not fix this glitch. It has affected my account and damaged my credit. Lots of others have been affected as well.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29
Company: EQUIFAX, INC.
State: IL
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:
Equifax and XXXX  are reporting incorrectly that I am 90 days past due on XXXX XXXX  XXXX partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I dispute false statements and fees regarding the amount owed on these collections. 

Portfolio Recovery Associates , LLC, reference XXXX XXXX  {$510.00}, It's illegal by law : ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless that amount is expressly authorized by the agreement creating the debt or permitted by Section 808 ( 1 ) of the Fair Debt Collection Practices Act ( XXXX XXXX XXXX ) prohibits debt collectors from collecting any amount law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
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: Account information incorrect

Complaint:
I saw that Transunion is reporting an account with XXXX XXXX closed inXX/XX/2020 that I have no knowledge of. I have never been contacted by this collection company regarding any said account via XXXX. This company is reporting false debt balances, information, or re-aging ... or a combination of all and Transunion is illegally reporting false info and thus ruining my credit.

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 2023-08-26
Company: TMX Finance LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This now my second complaint with Title Max as it relates to there aggressive and threating tactics that the XXXX TN office uses when calling clients and there corporate office does absolutely nothing to resolve the problem. On XX/XX/2023. I received a call from XXXX at the XXXX office demanding in a very aggressive manner that I did not pay here today that there could be repercussion. I advised her that I would be able to make payment on Monday and she continued on with her threating tone and I advised her that I would contacting her corporate to let them know that its wrong to talk threaten people and she told me to call the office because they would tell me the same thing. I called back to get her name and told her that I was going to opening up at ticket with the CFPB and she told me she didn't care because she is certified through the CFPB and she told me to never call her again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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. 

XXXX Bank : # XXXX, XXXX : # 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 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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 DONT RECOGNIZE OR RECALL ANY OF THESE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-03
Company: MOHELA
State: VT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently received a bill for an unpaid balance on a student loan that I do not believe I ever took out. I communicated with the creditor and, after some difficulty, was told that they were collecting for another company. The information they had correctly identified my XXXXXXXX XXXX  name, the last four digits of her Social Security number and the institution where she earned her degree. This debt has now also appeared on my credit report. The credit report shows a history of payments but, these are not payments that I ever made. I have no recollection of this debt and I can find no records of it. Apparently the debt was taken out in XXXX  but we have not previously received any bills from this company or from the place they claim originated the loan. I have asked for verification of this debt but I have not received any.

If I took this debt on and have forgotten about it, I'll pay it but I have yet to see any proof that I ever did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I've had the credit bureau accounts frozen for years. 
XX/XX/23 I applied for a loan. I was told I needed to unfreeze my account with Experian ( as I expected ) Issue # 1. I was able to access Experian to the extent their automated system told me my account is unfrozen. This contradicts what the loan company told me. It should have been frozen as I had not unfrozen it. 
Issue # 2. Experian evidently replaced their PIN system so the PIN I had used in the past didn't work. I tried 15 times to enter different user names to create an account. Every time I got to the 6th letter it told me that user name was already taken. Therefore, I couldn't create an account to verify whether my account is frozen as the loan company told me or unfrozen as Experian 's automated system told me. 
Issue # 3. I repeatedly tried maneuvering through Experian 's automated system trying to find a way to talk to a person. Every path I chose resulted in the system telling me my issue didn't meet the criteria to talk to a person.

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 2023-12-03
Company: MOHELA
State: MA
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 sent a payment on XX/XX/2023 to pay off my loan with Loan Number XXXX, Loan Type Direct Unsubsidized Consolidation, and Payoff Amount {$540.00}. I printed a Payoff Payment Confirmation from the Mohela website that noted that this payment would be effective XX/XX/2023. Now the Mohela webiste says that this loan has a balance of {$0.00}. This is incorrect. Mohela needs to fix this by correcting the balance to {$0.00}. 

Mohela also needs to update my name. I sent the name change form on XX/XX/2023. 
I sent a follow up message on XX/XX/2023 XXXX XXXX  because they have not changed my name and it has been over XXXX months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: MOHELA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XXXX I logged into my studentaid.gov account and noticed there was incorrect information on my dashboard as well as on the downloaded NSLDS report. I called the Dept of Ed who told me to call my servicer. I explained that Mohela had the correct information on my online Mohela account and that it was the Dept of Ed who had the incorrect information. Dept of Ed said that if the information on my studentaid.gov account and my NSLDS was incorrect it was up to Mohela to provide the correct information to Dept. of Ed. I called Mohela who said they are, in fact, sending correct information about my account to the Dept of Ed but to go ahead a make an online complaint with Mohela. I made the following complaint on XXXX : " Hello, Please send my most recent loan information to the Department of Education. My studentaid.gov account has inaccurate information and requires an update from Mohela regarding my loans. On my studentaid.gov account under " Upcoming Payments '' the Due Date is XX/XX/XXXX. Under " My Activity '' it indicates an IDR Plan Request " In Review '' from XXXX. Also, in my My XXXX  Data its showing a Delinquent Date of XX/XX/XXXX. Again, please send my most recent loan information to the Department of Education so they can update my studentaid.gov account with correct information. '' As of XXXX I had not heard back from Mohela so I sent the exact same complaint again. Its now XXXX and I haven't heard back. Again, my account with Mohela is correct. It indicates that I've been making the correct payments on time and am enrolled in the SAVE program correctly. It is my account with Dept of Ed that is wrong and I believe may be why my loans haven't been forgiven with the one-time IDR account adjustment. I first went into repayment on a SLS loan in XX/XX/XXXX,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Medical Society Business Services, Inc.
State: CO
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 am getting sick and tired of dealing with XXXX fake credit reporting. One can not dispute anything unless you have to call them. Sorry to disappoint XXXX, but I do not trust them and anything verbal does not hold validity in a court of law. 

Last year, I disputed a debt that I do not owe. I never received a billing statement from this questionable debt collector and if it is MEDICAL. I am insured with MEDICAID. Therefore, I am not responsible for any medical debt, especially, for medical treatment I have never received. Here 's the information regarding this fake collection account. 

BUREAU OF MED ECONCS has flagged your account as Collections. 
Accounts in Collections are accounts that are seriously overdue and have been turned over to a collection agency. These type of accounts may negatively impact your Credit Scores. 

Alert Details Alert Date XXXX XXXX, 2019 Source XXXX Company BUREAU OF MED ECONCS Address XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone XXXX Activity Collection Department/Attorney/Agency Balance Date XX/XX/2019 Balance {$1000.00} Is anything incorrect? 

I have disputed this before and nothing was done and yet, XXXX has set it up where I am not allowed to dispute it again. 

Delete it and for XXXX, stop collecting information on me. YOU PIECES OF XXXX ALLOWED THE DATA BREACH ON ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was scammed by a XXXX buyer on XX/XX/2023 wanting to purchase a hand bag from me the Seller. I emailed XXXX at XXXX to get instruction on how to assist the buyer to purchase the hand bag because XXXX ( buyer ) payment was not going through. A XXXX Customer Care Team Person sent me her picture ID and text men the info I needed. I was told I needed to have {$200.00} in my XXXX account for the transaction to go through. I sent the {$200.00} from my Navy Federal account through XXXX ( all information will be sent in attachment ). The hand bag is a XXXX listed at {$750.00}. I received another email from the XXXX XXXX Customer Care Team ( she sent picture ID. Attached ) that I need to put another {$250.00} in my Poshmark account and I did via XXXX with a note on both transactions that the money was for XXXX XXXX Member ( to make sure it go to my account. 
I reach out to Navy Federal yesterday XX/XX/XXXX and XX/XX/XXXX that I was scammed after I didn't hear from XXXX after I sent the money twice I figured it was a scammed. I emailed XXXX XXXX several times and no responds. I spoke to a Navy Federal reprehensive again today around XXXX and explain to her what happen. She read the policies for scam refunds and she said my scam situation should qualify for a refund. Also, Navy FederalXXXX didn't give me the option to hold the second payment of {$250.00} until the next day. I also I talk with a supervisor regarding what the 1st Navy Federal Rep that I fall under XXXX  guidelines to receive my money back because I though I was dealing with company employees. The supervisor said she gave me the wrong information. 
I used correct emails, etc. I am real sure that XXXX have employee workers and I know for a fact a buyer scammers that work direct in their company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: EQUIFAX, INC.
State: GA
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:
Equifax and XXXX are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see pages 5 and 6 of the attached credit report. ) I have already called XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue, but have been unsuccessful. This negative reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2018-02-13
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: Public record information inaccurate

Complaint:
On XX/XX/2017 - XX/XX/2017 I contacted and disputed with Equifax credit bureau sending them certified and notarized letters. Asking them to verify how this accounts belongs to me, and why are they reporting this inaccurate accounts on my credit report. They have yet to send me any information verifying the account.

Company response to consumer: Closed with explanation