BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have submitted several disputes to TransUnion for over 6 months now ; disputing the inaccurate, misleading, and unverifiable information listed on my credit report from multiple creditors. I have asked TransUnion on multiple accounts to remove any and all addresses, as well as personal information that does not belong to me, nor that I have ever lived at, and TransUnion will not acknowledge my request. TransUnion has continuously sent me a response to every dispute I send them, almost immediately refusing to thoroughly investigate the accounts because I have " previously '' disputed the accounts and they came back verified. My initial dispute was submitted in XX/XX/2015. I have sent a dispute every month since then, re-disputing the accounts with more information, or with a different reason as to why these accounts should be removed immediately. I have also requested method of verification, as well as proof of verification, and they have completely disregarded my request and thrown out my investigations entirely. I do not know where to begin in regards to having this matter resolved as I am constantly having to face an uphill battle with a company who is proving they are not abiding by the law and completing a full and thorough investigation. I am requesting that you please look into this matter and have TransUnion complete a full and thorough investigation of the accounts listed in the attached letter. I have sent them certified/registered mail with return receipt every month, and I know they have received my disputes because they reply back with the letter indicating the dispute will be disregarded to being previously investigated. Which I am aware of, but I am giving a completely different dispute reason every time. Please assist. I thank you for your time and help on this matter. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2023-10-05
Company: Experian Information Solutions Inc.
State: FL
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$380.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$250.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXXXX/XX/2023

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 2023-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XXXX of XXXX BofA had a savings account offer for a {$100.00} bonus offer if you deposited {$1000.00} within thirty days of opening an account and maintained that account for a required period The account was opened on XX/XX/XXXX. I made a deposit on XX/XX/XXXX, the promotion required I maintain the account through XX/XX/XXXX ( I still have the account open and funded ). The confirmation stated I would receive a bonus by XX/XX/XXXX. As of this writing no offer was received. 

I contacted BofA in early XXXX and was told to wait until XX/XX/XXXX, XXXX As of XX/XX/XXXX I have not received the bonus offer. During a follow up call on XX/XX/XXXX the representative was unable to locate the offer and I would have to wait up to sixty days for an investigation to be complete. Unacceptable. I have already waited sixty days from the date BofA said funds would be deposited.

Included is a copy of the statement showing funds deposited as required, a current statement, and the confirmation I qualified for offer.

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 2023-07-12
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Subject : Lack of Disclosure under 15 USC 6802 and GLBA - Request to Opt Out Navy Federal Credit Union I am writing to address a critical matter regarding the disclosure of my personal information to third parties, as required by 15 USC 6802 and the Gramm-Leach-Bliley Act ( GLBA ). I recently discovered that Navy Federal Credit Union failed to provide me with the necessary disclosure under these regulations, which grants me the right to opt out of having my information reported to third parties. 
Under the provisions outlined in 15 USC 6802 and the GLBA, consumers are entitled to receive clear and conspicuous notice about their ability to restrict the sharing of their personal information for marketing purposes. Consumers must also be provided with a reasonable opportunity to opt out of such sharing. 

Unfortunately, I was not properly informed of this opt-out option or provided any means to exercise my right to restrict the reporting of my personal information to third parties. This omission not only violates my rights under federal law but also erodes the trust I have placed in your corporation to handle my personal information with care and diligence. 

I hereby request that you rectify this situation promptly by providing me with the required disclosure as mandated by 15 USC 6802 and the GLBA. Furthermore, I exercise my right to opt out of any future sharing of my personal information with third parties for marketing purposes. It is crucial that my information is not disclosed or shared with external entities without obtaining my explicit consent. 

I understand that specific procedures or forms may need to be completed to effectively opt out. Kindly furnish me with detailed instructions and any relevant documents to ensure a smooth and expedient process. 

I trust that your corporation acknowledges the seriousness of this matter and will take immediate action to ensure compliance with the applicable laws and regulations. I appreciate your prompt attention to this issue and anticipate a timely resolution that upholds my rights as a consumer. 

Please acknowledge receipt of this letter within [ number of days, typically 10-14 days ] and provide a written confirmation of the steps taken to address my concerns. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution and to maintaining a positive customer experience with your corporation. 

Sincerely, [ Your Name ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: FL
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  Balance Owed : {$25000.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$5100.00} ; 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 explanation
Consumer complaint received 2023-02-14
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: Information belongs to someone else

Complaint:
I am interested in disputing all incorrect information on my credit report with TransUnion. please delete an remove all inaccurate data.

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 2021-03-09
Company: Santander Consumer USA Holdings Inc.
State: MT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/XXXX I traded in a XXXX XXXX XXXX van at XXXX XXXX Dealer. The XXXX dealership sent a check to Chrysler Capital to pay off the loan on the XXXX of XXXX. Chrysler Capital signed for the check on XXXX of XX/XX/XXXX, see attachment 1. 

On XX/XX/XXXX Chrysler Capital took a payment of {$540.00} out of my checking account for the van. I made about 15 to 20 calls to Chrysler Capital to get this resolved with no help. Yesterday I received a letter, see Attch 2, It states that they did not consider it paid in full until XX/XX/XXXX. 

Yesterday I also received a check from Chrysler Capital, see Attach 3, for {$270.00}. 

The problem I have with this is they received the payoff check 5 days before my payment was due but took them 27 days to consider it paid off. I should have received a check from them for {$540.00}, that is the amount they took out of my account after they received the pay off check. Instead the check was {$260.00} short of what the owe me. 

Thank you for your help, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
I was contacted by BOA customer service, there was 2 transactions that were not done by me they told me I had to allow the transaction to go through to investigate the fraud. But it was a scam and they say that because the funds went thru to chase bank and were withdrawn that it is not going to be returned to me. They claim I made it Possible, but it was them that didnt tell customers that they had a data breach and our accounts were at risk.They took XXXX from my account and XXXX from a account that was my daughter and I, because she was a minor at the time she opened it .please tell me there is some way of holding them responsible because I got the call from their customer service center. Thank you 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 2023-07-12
Company: SANTANDER HOLDINGS USA, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've written letters to all 3 credit bureaus. There are multiple accounts showing on my credit report that do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: MA
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:
I have disputed these accounts with errors, inaccuracies, and incompetence for a duration of 9 months. The credit reporting agencies are violating my rights under fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 Fair Credit Act, XXXX XXXX XXXX act ending XXXX, Transunion, XXXX and XXXX has violated my rights. Under [ 15 USC, 1681 ], section 602 states I have the right to privacy. Under [ 15 USC, 1681 ], 604 ( A ), section 2, says A consumer reporting agency can not furnish an account without my written instructions. Under [ 15USC, 1666 ( B ) ], A creditor may not treat a payment account under an opened and consumer credit plan as late for any 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 2022-12-26
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I havent paid a XXXX loan since XXXX, i was in XXXX school deferment until XXXX. 

I could not pay in XXXX since I was still in XXXX  school ( they did not offer any options despite covid and me being unemployed in XXXX due to graduate school demands and pandemic job loss. 

They refused to talk to me, no one at XXXX would speak to me. 

My cosigner claimed a XXXX XXXX XXXXXXXX, and then XXXX said my loan was written off ( via credit report ). But they refused to speak to me. 

I got a lawyer and filed a XXXX XXXX this past summer ( XX/XX/XXXX ). XXXX showed up as written off then, due to XXXX XXXX. But they still refused to speak with me, and would not tell me anything. 

My credit score just dropped XXXX points because XXXX showed up again and changed the remark from XXXX XXXX to written off as bad debt. 

I want to dispute this. Its not fair, they wouldnt give me my status of loan at all over the years, probably avoiding the statue of limitations ( 4 years for private student loans. ) and they already reported written off once, and now I take another hit as Im repairing my credit score.

At one point they transferred me to the XXXX XXXX, but people Would answer the phone and say they were from a training company and had no affiliation with XXXX ( really bizarre ). 

I want them to leave me alone, take this bogus knock off my credit report and give me a letter with information about the loan, the statute of limitations, etc.

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 2016-07-10
Company: Green Trust Cash, LLC
State: WA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I was naive about the information I submitted online believing as long as there was a lock locked where the website name was typed in that it was a safe and secure site. I was searching for a loan that I would be able to payoff in longterm small installments. I needed a loan to be able to have enough money to get into a new rental home. I being unaware that these companies shared sensitive information with other companies was contacted through an email that I had been approved for a loan of {$300.00}. I gave the site my name, social security number, my bank account number and routing number, even my online signature. I was then contacted by an employee who asked me to please go back as he walked me through the steps of repeating all of my private personal information as well as my signature again. I was under the impression that all that I would need to pay back would be {$390.00} total with interest but that I would be given adequate time to do so either in small monthly payments or after an adequate amount of time until I could pay it back in full. I was shown a payment plan that unless I paid the entire {$390.00} back within two weeks that I would become locked into a payment plan that would start with {$100.00} being the first payment due within the two week period of recieving the loan. Soon after another payment would be due costing me even more than the first payment and so on until I would end up paying around {$1600.00} or more total for a {$300.00} loan. I spoke to a man who is from Student Loan XXXX helping me with a loan in default from 1997 I still owe a very small amount on. I consulted with him about this loan I seem to be trapped in and he recommened that I contact my bank as well as you because he checked out the company and said it has had many similar complaints and that people like me fall victim to this all of the time not understanding exactly what they are getting themselves into and that I also need to protect myself from identity theft because these companies share your personal information to other companies. I was unaware that anyone but me could ever access and take from my bank account. When I spoke to an employee at my bank they recommended that I contact you first and that if anybody were to try to attempt to collect money from my account without my permission that I should then change bank accounts which would be extremely inconvenient but necessary if nothing else can be done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-27
Company: Experian Information Solutions Inc.
State: VA
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 Fair Credit Act, XXXX XXXX XXXX act ending XXXX, XXXX, Experian and XXXX has violated my rights. Under [ 15 USC, 1681 ], section 602 states I have the right to privacy. Under [ 15 USC, 1681 ], 604 ( A ), section 2, says A consumer reporting agency can not furnish an account without my written instructions. Under [ 15USC, 1666 ( B ) ], A creditor may not treat a payment account under an opened and consumer credit plan as late for any 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 explanation
Consumer complaint received 2017-02-17
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
****This is An Attempt to Renegotiate Federal Student Loan Debt***** Currently, I am in Chapter XXXX Bankruptcy in the XXXX District of North Carolina - XXXX. While presently none of my Chapter XXXX payments are being sent to the Nelnet, the servicer for my XXXX XXXX Loans, the interest keeps accruing. Currently, my loans are in deferment because of the Chapter XXXX case. Also, I am currently on the PAYE repayment plan for my student loans. I have attempted to see what my current balance is, but because of my Bankruptcy case, Nelnet has block me from accessing my account online. 

I am requesting relief from outstanding interest. I would the interest forgiven/cancelled and have my interest rate set to zero percent. In effect, I would only be repaying principal balances, not interest on top of interest. 

Fact is, I have several medical condition including XXXX, which has limited my career options and has been an impediment to advance in my field. While, I hold a XXXX in my field, because of my XXXX, I will likely never be advanced to an XXXX level or XXXX level position because they both require the ability to XXXX. In fact, I am unable to obtain a higher paying management position in my field because of my XXXX. Fact is, hiring managers are prejudicial towards people who stutter. Right or wrong, that is the way our society perceives people who XXXX like me. If need be, I can provide letters from medical professionals and XXXX who can attest to the career and financial challenges that somebody who XXXX experiences. 
On the legal side, my ex-wife consistently engages in family court litigation with me because she does not like sharing custody of our XXXX year-old daughter. She has engaged in acts of parental alienation and consistently makes an effort to drain what little money I do have for a lawyer to fend her off in family court litigation. 

Again, to surmise, I am requesting relief from outstanding interest. I would the interest forgiven/cancelled and have my interest rate set to zero percent. In effect, I would only be repaying principal balances, not interest on top of interest.

Company response to consumer: Closed with explanation