BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
2nd Request On XX/XX/22 I informed XXXX that it was XXXX fraudulent accounts on my credit report. Some try to get a car or something in my name. There should be a fraud alert on my report. So Im not understanding how my credit is being pulled without my written consent. XXXX and Trans Union failed to do an investigation after they responded and said the was working on it. Per the FCRA this is a violation with can result in a of XXXX per I deleted item per Section 611 ( a ) ( 5 ) you failed to investigate this. Plus delete these fraudulent inquiries to day. I have a car and credit with XXXX XXXX and didnt go looking for a car!! 


Please see attached ftc report and inquiries

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 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have been disputing this account for a few months now and havent received anything concrete to keep it on my credit file. This is a violation of my rights. I do not believe the credit bureaus have been throughly looking into my disputes. I have attached my dispute letters that include, metro 2 compliance data as well as consumer law challenges under the Fair Credit Reporting Act! How are these accounts simply coming back as verified with no proof of thorough actual work being done. This is beyond messed up! The credit bureaus have been violating our rights for years. How long will the CFPB let this nonsense stand! 

I am reaching out to the CFPB today because I am hoping that you will be able to get me some real answers and have my best interest at heart because the credit bureaus obviously dont!

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 2019-06-16
Company: Halsted Financial Services, LLC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX a company I never heard of under confusing multiple names ( Halsted, XXXX XXXX XXXX ) that I do not owe but they claim they took over as I do not owe them anything indicated they are XXXX XXXX XXXX XXXX XXXX. WHile they threatened me that they will take legal action, damage my credit report. They also indicated I had to make a minimum of over XXXX on both acts as I informed them I wasnt working and in a hardship, they continued to move payments down to {$10.00} a month. I had no idea I could dispute the accounts until last month. They said I am required to provide my routing number and act number including my bank card number or they will pursue action. I provided this info to them as I was very afraid and felt threatened. First Payments were set up to take two {$10.00} payments ( XXXX and XXXX ) on XX/XX/19. I uploaded copy of the terms showing XXXX pmts set up and email, However instead they took {$19.00} on XXXX-I did not authorize either payment. I called Halstead the day of and spoke with a male, XXXX accent, could barely understand what he was saying. He did say that I will be charged a XXXX dollar fee every month which was included in the payments, I said how dare you, you have no right nor did I authorize this. He hung up on me. I also sent a letter disputing both acts on XXXX XXXX, this company continued to take funds from my act,. I was charged overdraft fees, see proof for 2 months as to date. The refuse to leave my account alone. They have no right. I have been charged over XXXX in od fees as they refuse to cooperate and doing nothing but jeopardized my checking act where other transactions are not go through. I informed XXXX XXXX that these are illegal unauthorized transactions. First of all I never agreed to pay this company and extra XXXX fee for monthly payments so they can get rich. I have disputed both acts and the balance on these acts are false and nothing but a scam. They refused to provide me a copy of the agreements with XXXX and XXXX XXXX, refused to show my signature along with the bond showing they have the right to collect. They have caused me stress and issues with my checking and other acts by their lies and scam. They owe me over XXXX in od fess as to date.as Im tired of the threats and going into my act every month to take unauthorized funds. Not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed a collection, which appears on my report with XXXX XXXX, on XX/XX/2017 and again on XX/XX/2017. The date shown on the credit report is the date XXXX acquired the account through a third party, not the original delinquency date with the creditor. The original charged off account has been removed from my credit report, confirming well over seven years since the original delinquency date. The date the collection agency acquired the account has NO AFFECT on the amount of time this should be reported and remain on my record ; '' the collection account will still be removed at the same time the original account is removed. '' XXXX Collection and Charge Off Information. BUT, XXXX XXXX continues to report on this account every month using their acquisition date, and they refuse to remove the account, although with help from CFPB, they will no longer contact me regarding this out dated collection. Unfortunately, the dispute with Trans Union has offered no adequate resolution ; they only added " consumer disputes this account '' and has not removed it from my report even though they have the original delinquency and charge off date in their records.

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 2017-03-27
Company: Nelnet, Inc.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I submitted an income-based repayment plan application in a timely manner in XX/XX/2016. 
Nelnet student loan servicing has mishandled my account over 8 times. 
I have been contacting them about their erroneous charges ( I am a XXXX veteran with XXXX dependent ) since XX/XX/2016. They insist that I owe them {$400.00} ... or {$10.00} ... or XXXX . They offer no logical reason for their continued mistakes and legal chicanery. 
I have been wrongly steered into Forbearance on Multiple Occasions. 
they ca n't seem to Understand that I pay {$0.00} as I have been for the past 3 years. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX XXXX have two fraudulent accounts reporting to my consumer report. Im placing my police report for the 3 consumer reporting companies to block this account at once I wasted to much time trying to have this frozen that account removed from my consumer report. 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 2020-04-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/XXXX I was travelling in XXXX XXXX XXXX. A girlfriend and I went to XXXX XXXX  XXXX and purchased one personal pepperoni pizza that we shared and two vodka tonics. The total of the purchase came out to XXXX pecos or {$38.00} US dollars. The tip brought the total to XXXX pecos or {$47.00} US dollars ( {$48.00} approximately ). The bartender was told to charge the total in pecos,  however he inadvertently charged the incorrect total of {$880.00} in US dollars to my credit card. I initially disputed this claim with Chase Bank, where I have this Chase Slate credit card. The initially refunded the {$830.00} US dollars to my account. On XX/XX/XXXX I was recharged the credit that I received for {$830.00}. I have disputed this claim with my bank on 3 separate occasions. The initial dispute I did not have the receipt from XXXX XXXX  XXXX, however since than I was able to contact the owner of XXXX XXXX  XXXX XXXX XXXX, who put me in contact with the General Manager XXXX XXXX. XXXX XXXX acknowledged the error in billing and provided me with email correspondence in regards to this error in billing. He also provided me with a copy of the receipt and credit card charge slip with the correct amounts clearly identified. I have provided this information to Chase Bank / Slate Credit Card company and they still refuse to provide me with the refund of {$830.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-01
Company: MOHELA
State: NY
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:
I still ( as of XX/XX/2023 ) have not received a billing statement from Mohela for my federal student loan. I have called several times, starting in XXXX, to try to learn what my monthly loan amount will be. Each time I call I get a different answer. Because I was able to pay off quite a bit of my loan during the pause, my monthly payment should be less than it was before. Studentaid.gov estimates my payment at {$630.00}, and the latest estimate from Mohela is {$710.00} ( who knows why those amounts don't match up ). 

On XX/XX/XXXX, Mohela auto-debited me for {$1000.00} - my monthly amount due before the pause. When I called Mohela to complain, I was placed on administrative forbearance, which had the effect of increasing my interest rate by XXXX XXXX ( because it removed the autopay discount ). I should not have my interest rate increased because Mohela can't figure out my loan payment amount. 

On Monday, XX/XX/XXXX, the Department of Education announced that it would be directing Mohela to place borrowers who had received incorrect or late billing statements on forbearance with zero interest. I called Mohela to ask if I was being placed on this zero-interest forbearance, and the person I spoke with and their manager both had no knowledge of this DoE announcement or policy. I asked to be taken out of administrative forbearance ( restoring my auto-pay discount ) but will likely continue to be overcharged on my loan amount. Because my loan is accruing interest, I don't feel comfortable withholding payments until the problem is fixed, as that will increase the amount I pay over the life of the loan.

On my latest call with Mohela, the customer service representative I spoke with confirmed that I have not received a billing statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted court documents to the credit bureaus showing they're reporting incorrect information, for an account that should not be in collections, and does not have a balance. They have not removed these accounts from my account stating that the furnisher confirmed the information. As I've told the credit bureaus, this information is not correct, and I have provided legal documentation, showing a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to express my deep frustration and concern regarding the recent disputes I have initiated with the three  agencys. I have requested both disputed information and information used to verify the accounts on my credit report from all three credit bureaus. However, I have encountered a troubling issue in this process. 

Each of the bureaus has informed me that they do not conduct investigations themselves. Instead, they rely on the information provided by the companies being disputed to determine the accuracy of the reported data. This approach has left me unable to obtain any tangible proof of the disputed items, which, as per the Fair Credit Reporting Act ( FCRA ), requires a full and complete investigation. 

Furthermore, after sending letters to all three bureaus in an attempt to exercise my rights to dispute, I have encountered further obstacles. XXXX, in particular, has rejected my dispute letter and returned it to me. Moreover, I have found myself denied access to my credit report altogether. 

I am deeply concerned that these actions by your agency may not only be a violation of the FCRA but also a breach of my rights as a consumer. I urge them to address these issues promptly and provide a transparent and comprehensive process for credit report disputes, in line with the legal obligations outlined in the FCRA. 

I request that they investigate the disputed items on my credit report thoroughly and provide the necessary documentation to support your findings. Additionally, I kindly ask that they rectify the situation that has led to the denial of my rights to dispute and access my credit report. 

Please treat this matter with the utmost urgency, as it has significant implications for my financial well-being. I expect a prompt response detailing the steps they will take to resolve these concerns and ensure compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Experian Information Solutions Inc.
State: CO
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 this account has violated my rights. 

XXXX XXXX, XXXX XXXX : XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not 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 explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: AL
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:
Equifax- I have been working on my credit starting in XXXX of this year I paid all my bills on time and paid off some of them I went from XXXX to XXXX starting XX/XX/XXXX score dropped XXXX points of a mistake the Equifax part XXXX I filed a dispute letting them know that the information was wrong My Morgage payment did not go up it went down and I was told that the points would be added back to my account after they finished the dispute but nothing changed, again on my XXXX my score went down again by 3 points for just using my credit card, and again on XX/XX/XXXX it dropped XXXX  points on XX/XX/XXXX it dropped XXXX points and on XX/XX/XXXX my score went down XXXX points after paying off my XXXX XXXX account I just don't understand how my score keeps dropping when I'm paying all of my accounts on time. It seems like the more I work on my credit the lower my score goes so I need someone to check and help me understand what's going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: EdFinancial Services
State: MT
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 recently logged into EdFinancial to check my student loan payments and balance. When I looked at the total it was higher than I have ever seen it- noticing they did not have my previous 10+ payments applied to the balance. I called and spoke with them 3 times with no answers. Every time I try to call and talk to someone who can actually help or call me back I am faced with a XXXX wait time. They have a recording saying they will hold your place in line and call you back when it is your turn. I never once received a call back. I have emailed NUMEROUS times with XXXX responses, I have been on their digital chat which is only a robot and gets me nowhere. I took all of my previous payment confirmations from XXXX and mailed them to Edfinancial showing my proof pf payment. They were never applied, nor did I hear from anyone regarding anything. This is tremendously XXXX  producing. This has been going on for the last 2+ months.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-26
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was a victim of fraud. Someone scammed me via telephone, saying that they were XXXX, regarding a cable promotion. I answered the phone call thinking that they were a legit representative from XXXX and XXXX, which they were not. They talked me into getting my credit card information and they tried to steal {$4500.00} off of my credit card and tried to put the money on gift cards to obtain services, but never received the services. They did charge my credit card, which they did it as a cash advance, which I did not authorize. Therefore, I was able to retrieve my money back by contacting Navy and allowing them to assist me in correcting the issue. Therefore, it has caused my credit card to be charged double interest because Navy Federal Credit Union treated this as a cash advance and is still charging me double interest, which I should only be paying one interest on my own charges purchases. I contacted them about that, but they never fixed the issue. Please correct this matter immediately, where I am ONLY charged for one interest, which is for purchases and not cash advances. Thanking you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: NY
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:
previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, no proof was provided nor was the negative information in this account. This is inaccurate information bring reported every month

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Maximus Education, LLC dba Aidvantage
State: NY
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:
Aidvantage has my loan previously services by XXXX. It had two other servicers before that, as I graduated and started repayments in XXXX. Aidvantage only shows history going back to XXXX. I'm afraid the years that I was steered into forbearance or deferment will not be accounted for in determining my loan adjustments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: ONEMAIN FINANCE CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed there are 2 inquires on my credit report that I did not authorize. The company is ONE Main Financial. The dates are XX/XX/2020 and XX/XX/2020. I called and asked a question about my current account with them. The scary part of this is I didnt ask for any credit just a question on my account. They ran my credit 2 times without me knowing it. I wrote them a letter to dispute this and they refuse to remove it off my report. Its very unfortunate that companies are allowed to do this and are able to damage ones credit with no consequences. I want this resolved ASAP. I dont want to seek legal help with this matter but it may be the only solution. Please help me resolve this

Company response to consumer: Closed with explanation