BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative information that is being reported on my credit report. I am specifically referring to the following accounts : 1. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Account 2. XXXX XXXX XXXX Charge Off Account 3. XXXX XXXX XXXX XXXXXXXX XXXX Charge Off Account 4XXXX XXXX XXXX XXXX  NA XXXX Charge Off Account 5. XXXX XXXX XXXX Charge Off Account 6. XXXX XXXX XXXX XXXX Charge Off Account 7. XXXX BANK XXXX Collection Account 8. XXXX Bankruptcy XXXX XXXX 9. XXXX Bankruptcy XXXX XXXX 10. XXXX XXXX XXXX XXXX 11. US DIST CT XXXX I believe that the information being reported on my credit report is inaccurate and is damaging my credit score. I have reviewed my records and have found that there are discrepancies in the information being reported by the credit bureaus. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. I am therefore requesting that you investigate the information being reported by the credit bureaus and correct any errors that you find. 

I would also like to remind you that under the FCRA, you have 30 days to investigate and respond to my dispute. If you do not respond within 30 days, I will assume that you have accepted my dispute and have made the necessary corrections. 

I am very concerned about the impact that this negative information is having on my credit score. It has made it difficult for me to obtain credit and has caused me a great deal of stress and anxiety. 

I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On the evening XX/XX/19, after making a cash deposit, and bringing my account at a positive balance, I reached to contacted Chase call center to see how could a NSF of {$34.00} charged on XX/XX/XXXX could be waived as a 1x courtesy. The Chase phone rep agent advised that they couldn't do anything and that i needed to wait until XX/XX/2019 to be eligible. However, the morning of Saturday XX/XX/19, I learned that an additional 3 nsf 's fees, {$34.00} a piece totaling {$100.00} was charged to my account and my cash deposit was conveniently pushed to XX/XX/19 which was the following Monday. This isnt the first time that  Chase has done this very questionable practice, but it is the first I'll be outspoken about it. If I understand correctly, deposits are posted first, followed by charges from largest to smallest. This isnt the first I've made deposit on this manner and no fees has been accessed. 
I work very hard. It is disheartening to see one hard earned money is been eating up by unfair bank practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong 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 non-monetary relief
Consumer complaint received 2018-03-22
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a debt collection company by the name of XXXX   on my credit report. I have been in contact with them and the bureaus in an attempt to find out what this collection was for. All I can find out was that its fro a apartment that I did live at, XXXX XXXX, but I did not break my lease or leave the apartment in a mess. However when I originally signed the lease I requested that the carpet be replaced as it was dingy and had balled spots. Now I believe that they are trying to back charge me the {$500.00} for the upkeep of there complex. If I would have known they were going to back charge me I would have never moved in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
There are items on my credit report fraudulently that is harmful to my full faith in credit, There are no liens against any variation of my name in the state of New York and I have it certified. So how then are these imposters allowed to report fraud against my name for other corporations to make determination thats is violations of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A person or persons stole {$5000.00} from my Bank America checking account. 20 checks of {$250.00} cashed in Delaware. Happened in XXXX, but I was under XXXX treatment for the first half of the year and did not check my account. When I finally sent my paperwork to my bookkeeper around XXXX, she picked it up immediately. I went to my local branch and started action to be reimbursed. The gentleman handling the problem is XXXX XXXX XXXX at the downtown XXXX XXXX branch, XXXX. I waited. Nothing happened. He said the bank had sent me an affidavit to sign, but I never saw it. So he opened the case again. ... and again nothing happened. So he tried a third time. Now the bank saws it is against their policy ( notice ... not law, but policy ) to reimburse after 60 days. I need help. That's a lot of money.

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 2023-03-31
Company: Experian Information Solutions Inc.
State: MO
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 am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include [ list fraudulent account details ], are a blatant violation of my rights and have severely impacted my financial standing. I demand that you take immediate action to investigate and remove these fraudulent items from my credit report without delay. The following items should be removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX MO CHLD SPRT XXXX Balance Owed : {$7500.00} XXXX XXXX Balance Owed : {$560.00} 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 As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from you detailing the results of your investigation and the actions you have taken to rectify this situation.

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 2020-09-15
Company: EQUIFAX, INC.
State: LA
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:
XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeAuto Loan Balance- Date OpenedXXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeAuto Loan Balance- Date OpenedXXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$1500.00} written off.

Account TypeAuto Loan Balance- Date OpenedXXXX XXXX XXXX XXXX  XXXX  XXXX potentially negative icon Potentially Negative StatusNO STATUS. 
Account TypeNA Balance- Date OpenedXXXX Dispute Revolving Accountsshow tooltip button XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCharge Card Balance {$0.00} Date OpenedXXXX Dispute Namesshow tooltip buttonSelect as many as apply XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX A XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Conduent Incorporated
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This claim dates back pretty far. I received Uemployment during COVID. I didn't use most of the funds because I did not go many places due to having COVID. So, I paid the bills and put the rest up. Since then, I have been trying to get my dispute taken care of. ( I will also attact a screenshot proving that I reached out years back ). Recently, my mother in law passed away, and did not have any insurance policy, so we had to come out of pocket. Me and my wife agreed to cover the cost and get paid back later, because we were under the impression that the money from my dispute was given a long time ago. ( That is due to being told by reps that I did not have to worry they would take care of it ). So, now we are behind on rent and our car note, pretty much every bill we have. I've already set up payment arrangements, and can no longer put off paying everything. I am aware it sounds a little confusing because so much time has passed, but like I stated before, I was saving that money, so there was no need to touch it, check the balance, etc. The card is not where I originally left it, which was in my safe, but I purchased one around that time, and the card was left in my glove compartment until I returned the safe and echanged it for another one. When I did get the safe, that's when I noticed the card was not where I left it. I asked my wife, everyone who was around me right away. I am the only one who had authorization to use it. I just need this resolved and for the time that's passed to not be held against me. 

NOTE : AS I STATED IN THE EMAILS SENT TO XXXX, I WAS DISPUTING ALL CHARGES!!!! ( that is why I did not list any transactions )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My student loans of over {$90000.00} were automatically transferred over to XXXX when I applied for PSLF on XX/XX/XXXX, and I have had nothing but trouble since then in dealing with this company. Because of the timing of when the loan got switched, they did not have a record that I had made a payment for XX/XX/XXXX. My income-based payment plan also did not transfer over, so not only did I suddenly have a late payment on file, I also now owed the standard repayment amount of over {$1000.00}. They then incorrectly calculated my income-based payment number. When I alerted them of this, I was told that they'd put my account in a courtesy forbearance for two months ( during which time I was not able to make eligible payments on my loans towards PSLF ). After several more phone calls, I finally confirmed that they'd applied the missing payment correctly and that I was now paying the correct amount ( I think this was sometime in XX/XX/XXXX ), but also noticed that they had still not accurately counted the number of eligible payments towards PSLF that I had made. 

I have called following up on this numerous times, and each time am told a different thing. In XX/XX/XXXX, I was told that the count was wrong because I had a " paid ahead '' status on my account for a monthly payment that had reset my count. I was told that that would be resolved. 

Today, XX/XX/XXXX ( SIX MONTHS LATER ) the representative told me that yes he saw that I was waiting on the updated and accurate count, and that they have been aware of the issue since at least XX/XX/XXXX ( NEARLY A YEAR ), but that he could give me no indication of when it would be processed except for, " it will happen. '' I asked to speak to a supervisor and he told me there was no one who could expedite the process for me. 

I have a little over 4 more years left on my loans, but am truly worried that XXXX will not have an accurate count ready when it comes time for me to apply for forgiveness. I feel that I have no recourse in dealing with this situation since XXXX is the exclusive servicer for PSLF and that XXXX can do whatever they want on whatever timetable they want. Waiting a year to get an ACCURATE count of eligible payments ( to date I have made 68, the calculation of which took me about XXXX minutes from downloading my payment history from XXXX, my former servicer, and XXXX ) is simply ridiculous. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: U.S. BANCORP
State: PA
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 have recently be alerted of several recent inquires that I have not authorized I have contacted the companys and well as the credit bureau to resolve this issue. With me having credit freeze on my report Im not understanding how my information is being shared Im trying to Build positive credit and Im being pulled down at the same time my information should be SECURE! I have asked the listed below companies to removed the inquires and have yet to do so. I have followed the FTC process police report etc .. per SECTION 604, 611 of the FRCA these unauthorized inquires should be removed! 

XXXX XXXX ELAN FINANCIAL which ran my credit twice in two days 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 2018-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
To whom it may concern Since XX/XX/2017 we have been dealing with a company that we got financing for an auto to correctly report to the credit bureaus. 
We have gotten every excuse as to why it is not reporting, we were even told there was a letter sent to TransUnion in regards to this matter but we can not get a copy of this letter either. We are in the process of getting a mortgage and the almost 3 years of credit would help out tremendously. 

We have been trying to be really patient and understanding but it seems to get us nowhere, there are two people on the loan, my son and my husband. This trade line reports just fine on my sons credit report but not my husbands. This could one mean we go from needing 3 % down instead of 10 %, a lower interest rate and possibly approval. Right now there is a lot riding on this and they dont seem to want to do anything to help the situation. 
I have already filed a complaint with the XXXX and their excuse was a problem with their program, but when I disputed that because it is reporting to one but not the other the XXXX closed the case. Our Attorney is stepping in but we are running out of time for this to be reporting. At this point XXXX XXXX needs to report this trade line A.S.A.P. As of today a manager by the name of XXXX spoke to my husband and stated that we did not want this trade line on our records even though it is reporting on my sons records that 95 % of the payments are on time. 

They claim we have disputed the trade line but if that were true and the information had been correct the trade line would not have been removed. Their failure to do anything is going to cost us more money than necessary. 
Honestly this company needs to not be allowed to provide loans, their customer service is awful and they are very hard to work with. I have copies of emails back in XX/XX/XXXXthat they sent a letter to Trans Union and now they are saying nothing was sent. Again more excuses. We need your help please. 

Thank you for your assistance in this matter

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 2021-01-05
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have frozen my credit with all credit reporting companies. I have tried to login to both Experian and XXXX to check my account and to change my password. I am unable to login to my accounts. Both companies say that I have no accounts with them. This does not make sense, as I know I froze my accounts. I tried contacting the companies via their website but could not go forward since the companies do not think I exist. I tried calling their various numbers but since I do not exist I can not access my accounts. I am unable to get a live person in access to my account because talking to a person is not an option.

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 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have sent 3 letters about removing negative accounts from my credit report. It has been 45 days sense first letter was sent out certified mail demanding Reinvestigation of negative accounts. I still have not received a response by law these accounts must be removed immediately. It has affected my ability to obtain credit at this time. And this has caused me financial hardship

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I never gave Navient the authorization to acquire my loan. I checked my credit report and found XXXX dollars owed to them. Im also on social security XXXX. They have destroyed my credit and keep adding interest. Ive tried calling the company and it just rings. I need a lawyer as well but on a fixed income. Im sick and dont need this added stress.

Company response to consumer: Closed with explanation