BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-14
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:
Complaint ID : XXXX The aforementioned Complaint with EQUIFAX is not resolved. Per the FTCA, any derogatory item that can not be verified ; verified means, the original furnisher of information ( not a third party, XXXX, etc. ) i.e. credit card company, student loan lender, mortgage company, or court of record for legal matters. EQUIFAX, upon request must send where and whom the reported information originated to prove this reported information is not only valid but also, verified. 

If the information disputed, is still " unverified '' as defined by the FTCA, procedures for reporting. The disputed information must be investigated, verified as outlined via the FTCA and IF a disputed item can not prove valid, the item, deleted from the credit file.

The original complaint to the CFBP recorded, XX/XX/2018, went unfulfilled. Since filing a formal complaint with the CFPB, EQUIFAX sent letters, titled-notification of dispute, investigation results, and finally, an explanation for the results, with a catch-all summary and consumer rights jargon printed on the trailing pages of the letters mailed. 

EQUIFAX 's generic mass produced letters, a waste of time and nothing more. Per the FTCA, the item ( s ) of dispute should no longer appear on EQUIFAX 's credit file, yet remain. I request all disputed items be deleted per the FTCA procedures for reporting.

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

Complaint:
In accordance with the Fair Credit Reporting Act this creditor violated my rights under 15 USC 1681 section 602 states I have the right to privacy, as well as 15 USC 1681 section 604 A section 2 states also that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a open end consumer credit plan as late for any purpose. 

Not only is it violating my rights, the balances are not accurate as of XX/XX/2023 and accounts have been paid down in XX/XX/2023 and carry either a XXXX balance or low balance. 

The following accounts are ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26
Company: AES/PHEAA
State: PA
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 scheduled a payment on XX/XX/2021 on the AES Online Portal. It is now XX/XX/2021 and it still is displayed in the account as not in process. I called AES a few times during the day on XX/XX/2021 and each employee provided reasoning that it could take up to 2 business days to process the payment. This is concerning because they are intentionally prolonging the processing in order to report my delinquency to the Credit Bureaus, with which I have a problem. I'm sending this entire report to XXXX and XXXX as well so AES can be investigated by them. 

This company is the worst company anyone on the face of the Earth has to deal with, even ex-employees have reached out and said the company is XXXX up. I think there should be an appointed Investigator to impose fines against the company for mishandling accounts, which the company has been sued for multiple times. 
I read those employee reviews and laugh. It's amazing how the company is still around. I also think the company should XXXX every employee 's XXXX by 15 % just to shed the morale in keeping Customer Service a priority. These people who answer the phones are unskilled, un-knowledgeable, uncaring, and show up to get paid and that's it. They fail to exhibit any people skills of any kind when customers voice their frustrations. AES has been caught red handed multiple times doing this with scheduled payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been the victim of the XXXX data breach, XXXX XXXX XXXX XXXXXXXX XXXX  data breach. My information has been compromised I have noticed some more accounts and inquiries on my credit report that someone has opened that i have not AUTHORIZED. I have submitted an FTC report and I have a police report that i had obtained when i first noticed the identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
All three major credit reporting agencies continued to dis regard my attempts via certified mail to furnish proof of debt ownership with an original contract with my wet ink signature. The alleged ownership of the negative accounts reporting on my consumer report has and still are severely impacting me financially and mentally. Ive provided proof of identity and current address and still, they have yet to provide me with proof of debit ownership in accordance to United States consumer laws, I found that these companies have been in major violations in accordance to these federal laws. 

By furnishing these alleged debts my following rights have been and continues to be violated : 15 USC 1681 section 602 states I have a right to privacy 15 USC 1681 section 604 section 2 : states the a reporting agency can not furnish an account without my written consent.

15 U.S. Code 1681 - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term consumer report does not include ANY REPORT containing information solely as transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for purpose.

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 2019-10-15
Company: AMA Advisors, LLC.
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: Account status incorrect

Complaint:
Home bridge financial report late payments in XX/XX/2018. When I reached out to Home bridge they advised that they never report any negative information and to dispute with credit bureaus. I did that also and was told it was removed. I recently applied for a refinance with XXXX and they are telling me Home bridge report late payments on my credit which Home bridge denied they did when I asked about it in XX/XX/2018. I am attaching emails from home bridge where they are stating they did not report a late payment and the texts from XXXX  saying they did report and i can not refinance now due to this error

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Maximus Education, LLC dba Aidvantage
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Good afternoon, I definitely qualify for the XXXX PSLF loan forgiveness. I completed all the paperwork last summer XX/XX/2022 when Department of Educations revamped the form and qualifications. 
My student loans are currently with Aidvantage and when I check the status online, it states processing. I have been waiting for my loans to be transferred to XXXX ( servicer who handles all PSLF applications and loans ) so I can get information and track my payments. I have called multiple times and emailed numerous times as well. I have spoken to customer service representatives at Aidvantage who tells me to call XXXX. I call XXXX and they tell me to call Aidvantage. This has been going on for 7 months. I am told to be patient and I have been but I feel like my account is stuck in limbo.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received an offer in the mail to open a checking account at Citizens Bank here in XXXX, Delaware. I went to the XXXX XXXX location and a gentleman by the man of XXXX ( last name ) opened the account. I was told that I would receive {$300.00} for switching my direct deposit to this bank. I went in on several occassions and even took my complaint to the Branch Manager where Mr. XXXX works. The Manager called me with some ridiculous response that if will be 90 days etc. I had been patient with this bank and felt I was getting the run around. So after being fed up I went in and terminated the relationship. The bank has been robo calling me that I owe them money! I can't believe that an credible institution which I thought Citizens Bank were would succumb to this level of dishonesty. I'm asking that I be given the {$300.00} promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX - XXXX XXXX  reported me for being late on my mortgage payment for XX/XX/2021 in the amount of XXXX. During the pandemic I am struggling to keep afloat and pay them within every month. My mortgage payment is XXXX. If I am current in XXXX & XXXX How can I be delinquent XXXX in XXXX? This is incorrect reporting. I might not pay on the first but I never pay after 30 days. This not fair to people that work hard to make ends meet. You have people that are on forbearances because of COVID19 that can afford to pay. I have been affected by COVID19, and I am making ends meet but this is how they treat me. Report inaccurate information on my credit report and call me daily. I requested a Life of Loan payment history, and Escrow Analysis. I still have not received that. They are sending me letters requesting foreclosure fees paid, when the loan was modified and foreclose fees are included in the MOD balance as capitalized interest. This company is doing illegal things. I would like a copy of the lifetime of the loan payment history and escrow. So, I can look at the capitalized interest. this is a new servicer, and they are like a debit collector. You cant collect on fees that are included in the balance when the loan were modified.

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 2023-08-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these items, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2019-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Requested that the credit reporting company provide written validation document that the XXXX Account # XXXX reported on my account. Transunion has failed to provide written debt validation documentation.

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 2021-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX - XXXX XXXX  reported me for being late on my mortgage payment for XX/XX/2021 in the amount of XXXX. During the pandemic I am struggling to keep afloat and pay them within every month. My mortgage payment is XXXX. If I am current in XXXX & XXXX How can I be delinquent XXXX in XXXX? This is incorrect reporting. I might not pay on the first but I never pay after 30 days. This not fair to people that work hard to make ends meet. You have people that are on forbearances because of COVID19 that can afford to pay. I have been affected by COVID19, and I am making ends meet but this is how they treat me. Report inaccurate information on my credit report and call me daily. I requested a Life of Loan payment history, and Escrow Analysis. I still have not received that. They are sending me letters requesting foreclosure fees paid, when the loan was modified and foreclose fees are included in the MOD balance as capitalized interest. This company is doing illegal things. I would like a copy of the lifetime of the loan payment history and escrow. So, I can look at the capitalized interest. this is a new servicer, and they are like a debit collector. You cant collect on fees that are included in the balance when the loan were modified.

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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 filing a new complaint for the closed complaint regarding the XXXX XXXX, account # XXXX for the amount of {$1800.00}. have disputed this with TransUnion for several wrong reporting issues! I demand this be deleted from my account due to the incorrect handling of my report. I first disputed the account around the date XX/XX/XXXX due to the fact I was not aware of the debt. I NEVER received validation of this debt! I still have never received Validation of this debt! I called XXXX on XX/XX/XXXX to explain to them I had NO KNOWLEDGE of the debt! asked for validation and NEVER gave them a promise to pay I stated I needed VALIDATION of the debt to receive help I gave them my email which is NOT " XXXX ''! This should have been deleted from my report for NO VALIDATION!!! How can I take responsibility of debt I have NO validation for? 
I moved to a different state and I filed a change of address form with the US Postal services XXXX never contacted me by mail or phone! 
Because you are not the original creditor for this debt, but are instead a debt collector, your actions are governed by the Fair Debt Collection Practices Act ( FDCPA ). 
The phone call I made, which I consider to be your initial communication with me, includes information required by section 809 ( a ) ( 1 ) and 809 ( a ) ( 2 ) but omits a " debt validation notice '' as required in section 809 ( a ) ( 3 ), 809 ( a ) ( 4 ), and 809 ( a ) ( 5 ).

Thus, it is my position that you are in violation of section 809 ( a ) of the FDCPA. 
You already stated in response to my complaint that the phone call was your first communication with me, you also did NOT state in the response that I received a validation notice within 5 days of your initial communication with me, also in response to my previous complaint you did not state that a USPS certified mail receipt or similar documentation of delivery confirmation was made other than you sent an email to the wrong email address given to you! 
Because of your failure to include a debt validation notice as required by the FDCPA within 5 days of your initial communication, I was unaware of my rights to submit a debt validation request within 30 days of the receipt. I realize that your non-compliance may not be intentional but, XXXX in response to my previous complaint was NOT able to provide a preponderance of evidence of validation, you may be protected from civil liability under section 813 of the FDCPA. I still to this day have NEVER gotten validation of this debt!

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 2022-12-29
Company: Experian Information Solutions 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:
PA XXXX XXXX XXXX XXXX : # 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 An 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 2022-04-19
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: Information belongs to someone else

Complaint:
The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB XX/XX/1983 ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation