BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-24
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My account is frozen and I cant unfreeze it because the number that they have is not my correct phone number and its causing me not to be able to open up my business account at the credit bureau. I really need to get this taken care of as soon as possible I believe its through Experian.

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 2023-07-24
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the reporting list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, For my student loans, The reporting of these account ( s ) are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device; Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I demand theseaccount ( s ) be deleted from my consumer report immediately. Please send a copy of my updated report once complete.

For the other accounts : 12 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 an account without my written instructions. I did not give permission for these to be reported on my consumer reports.

15 U.S.C 1681c. ( a ) ( 5 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. These have caused defamation of my character and extreme stress. 
Please send me an updated report upon completion of my request.

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 2023-08-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I have an Experian account that I am being blocked from accessing. I have contacted Experian on several occasions to have the log in changed, phone numbers changed, password resets and they have refused to delete the account so I can sign up using different email address. I have also explained that my identity may be used after my passport was stolen in XXXX. Some of my minor child 's info may have also been used and if to prevent it I was signing up with Experian. Before I could pay for the subscription after the free trial, the agent I spoke with cancelled the membership saying that might be why I can't log in. After he did that I was still not able to log into the account. Experian has blocked my access on all credit platforms, including my FICO account which comes with all three bureaus.

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 2018-10-03
Company: U.S. Auto Sales Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I was in a financial Hardship where I lost my job and could no longer afford my car payments. O recently scarficed my right & the company came to repossesse the car informing that the car would be placed in a auction & the profit that is made from the auction would be placed towards my loan. I originally had another card from usauto sales that was a XXXX XXXX XXXX that I was paying {$180.00} for every two weeks however o traded it in for another car which was a XXXX  XXXX XXXX that supposed to be a push to start & the payment increased to {$250.00} every two weeks. Company told me that I can trade my car in after 3 years but didn't inform me that my payments will increase. Company did not want to work with me during financial hardships

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: AR
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:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information. Per FCRA, reporting must be 100 % accurate or the information must be deleted. I am a victim of Identity Theft and I want you to help me delete the following items as soon as possible : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$67.00} ; XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  AR XXXX ; XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-12
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Great evening, Seeking assistance regarding removing all addresses, phone numbers, charge offs, closed accounts. Ive attempted prior by mail and this portal, yet the 30 days has just occurred, and the bureaus have yet to respond. Would be greatly appreciated upon satisfaction results. 

Please see attachments. 

Thanks in advance

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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After looking at my credit report I've noticed inaccurate reporting of personal information. 

Name, Address, date of birth

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 2019-01-15
Company: ARVEST BANK GROUP, INC.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been an Arvest customer for many years. Several accounts and several mortgages. A couple years ago I got a divorce and will admit financially it was hard. Paycheck to paycheck and most weeks negative. I was able to stay a float though till my mom passed away a few months ago. She left nothing so in order to bury her I took out short term loans and whatever I could. Thats when it became a disaster. I went to a debt consolidate place and I am trying it. Anyway all the loans were going to be put into one pymt but they kept trying to auto draft my checking account still. I told Arvest not to let them but they kept on so I begged Arvest to close that account numerous times but they refused. They closed it when it finally had over 700 dollars in just overdraft bank fees. I couldnt pay that and dont think its fair when I asked them to close the account or stop these places from trying to debit my account. I couldnt deposit any money into the account or these loans would have took it. Arvest then took XXXX dollars of my XXXX year old sons account to pay some of the over draft fees on my account saying I was on my sons account. Thats news to me. I never received notice that I was. Arvest has no right to take his money to cover this. He doesnt live at Home and has a family of his own. When I pull up my accounts with Arvest it has never showed my sons account. When I have order checks from them they mentioned the two accounts I have with them, never mentioned a third account. Anyway now the same thing is happening to my second account with Arvest that happened with the first. Once again they are refusing to close it or stop a certain business from trying to debit my account and its already over 500 in bank fees. I am at rock bottom. I have explained about my mom, begged and pleaded for mercy but have had no luck. I have never seen a bank so uncaring and heartless. I cant afford these overdrafts. My electric got shut off the other day. I am working 60 hours a week trying to catch up. Over 1,000 in bank fees this last couple of months is robbery. I have tons of messages to Arvest asking to close my accounts or stop the auto drafts starting from the beginning before it got so far out of hand. They refused. Tk you for listening and please help me before I lose everything including my mind. 
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 explanation
Consumer complaint received 2021-07-15
Company: AES/PHEAA
State: NC
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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 contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian and XXXX are not displaying my mortgage payment history correctly since XX/XX/XXXX through XX/XX/XXXX. I had a forbearance with XXXXXXXX XXXX  during that time due to the pandemic, XXXX has received a a lump sum and consistent payments since XXXX XXXX XXXXXXXX XXXX states that they are reporting as current, the two agencies says yes l am current however no data show for the months listed above and l am unable to get a fair and accurate rating for my report. I want my credit report to be given that same energy as if l was late.

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 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-01-19
Company: Freedom Mortgage Company
State: UT
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I set up my payments to pay twice monthly. I had to pay 1 month in advance to even set up the payment plan this way. I had been on this payment plan for around 1 year. Then in XX/XX/2023, they charged me a late fee and saying I didn't pay the full amount on time. I called the company and the person I talked so waived the late fee because she was able to look at the payment history. I just noticed they are charging me late fees again because they are not applying the partial payments correctly.

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 2023-11-17
Company: EdFinancial Services
State: FL
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:
Edfinancial has prevented me from paying my loans and I have been unable to make any sort of contact over the phone with them as their phonelines are programmed to simply hang up due to " high call volumes ''. 

I enrolled in autopay on XX/XX/2023 and again on XX/XX/2023. 
I have also manually submitted payments which were also made on XX/XX/2023 and XX/XX/2023. 
( See attached documents. ) None of the above actions that have been made on my account with edfinancial have been honored despite being sent confirmation emails that the actions were performed. Autopay was never performed and payments were reversed without any notice or explanation. 
( Confirmation emails are also attached. ) With this, my interest rate reduction for my enrollment in autopay has not been honored either. Per the terms of my loan my interest has been accruing daily on a greater amount due to the lack of succesfull payments, AND at a higher interest rate than it should due to the auto pay not being honored. 

In addition to this I am now showing a missed payment from XX/XX/2023 that was supposed to be automatically pulled with the autopay which still has not been functional. 

As it stands I am being forced into greater debt due to what seems to be predatory and malicious noncompliance by Edfinancial Services.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-11
Company: DISCOVER BANK
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
After attempting to resolve disputes with merchants several disputes were in fact misconducted. I have contacted Dispute billingdisputes and reviewed the below cases providing proof and review on how the disputes were not handled correctly causing thedisputes to be mishandled. Below is a summary of the XXXX disputes that were mishandled. XXXX. CASE XXXX XXXX XXXX XXXXAmount {$200.00}. The fact I was charged 2x for this transaction has been neglected. No Merchant response as well as the letter sent. XXXX XXXX XXXX XXXX {$110.00}. The wrong shoe was returned to XXXX and no credit was issued. This case was not processed as a return was shipped back and mishandled. XXXX XXXX record provided and no response from merchant. XXXX. XXXX XXXX XXXX {$350.00}. This merchant did not render the service. After several emails merchant responded with " the money has been charged back from there account '' Discover reversed the merchant charge back to me. The merchant has not responded for several months. XXXX. CASE XXXX XXXX XXXX XXXX XXXX. This merchant did not complete the assessment prior to pre operation causing to have another pre operation scheduled. In addition there were scheduling and financial issues causing credit reporting and negative score as a result. This merchant charge is not valid since they did not to there job properly. XXXX. CASE XXXX XXXX XXXX XXXX {$97.00} This merchant failed to disclose additional charges prior to rendering service. Merchants 3rd party response is not valid since the specific issue has been neglected. 

As you can see from the facts these cases were not assessed and handled accordingly.

Company response to consumer: In progress