BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-14
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX is trying to collect a debt that I DO NOT owe them! I do not have a contract or agreement with XXXX so I would really appreciate it it they would remove the collection from XXXX, XXXX, and XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

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 2021-09-11
Company: Kriya Capital, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2021 - was contacted twice, once at XXXX and again at XXXX. Answered second call and asked agent what company she was with, she refused to provide that information until I verified my information with her. This company calls me multiple times a day, 7 days a week as early and as late as they are legally allowed to do. I've asked for the calls to cease, the company has my mailing address, and they continue to call despite this. Agent also refused to give an address to send a cease and desist letter to upon calling back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-30
Company: MOHELA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Over the past 11 years, while working at XXXX  XXXX XXXX, I have inquired with Mohela, my student loan servicer, about consolidating my FFEL loans into direct loans which would qualify me for public service loan forgiveness. I inquired several times over the course of the past 11 years and they have consistently made it very clear that it was an impossibility to consolidate my loans to direct loans because my loans are FFEL. I called Mohela yesterday just to see if they are still telling people this false information, and they did tell me I could not consolidate my direct loans to direct loans in order to gain public service forgiveness, which I 've recently found is false. After I told them I had spoken with XXXX XXXX XXXX XXXX, they then said they do n't make those types of decisions and they are sorry I 've been misinformed for all of these years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Portfolio Recovery needs to PROVE they are NOT violating Michigan law by NOT having a license to do business in Michigan According to multiple Government reporting agencies, Portfolio Recovery Associates Inc is NOT licensed to do business in my state of Michigan. Therefore they are doing business ILLEGALLY and therefore are not allowed to pursue me or any accounts in my name in my state. 

Portfolio Recovery needs to PROVE they are NOT violating Michigan law by NOT having a license to do business in Michigan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: PENTAGON FEDERAL CREDIT UNION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I had a inquiry that showed up on my credit report, I found out via a alert from XXXX. 

I have not applied for any cards with XXXX XXXX This inquiry is adversely effecting me and trying to get a car loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-12
Company: CITIBANK, N.A.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been dealing with Citi Mortgage for several Months trying to conduct a Short Sale of my residence. All documents have been submitted for review ( were again verified complete over 30 days ago ). But every month the case is reassigned to a different short sale representative. We are now about to lose our buyer due to failure on Citi 's part to process in an acceptable timeframe.

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 2017-04-14
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
After my loan defaulted, and it went into defaulted payments it was n't explained as well when Navient took over my loan again they put additionally interest rate, making again my payments higher than able to afford, almost wanting me to default again. Additionally I made a payment to the department of education, and it was n't given notice notice Navient had taken it over, so I called explaining I had made this payment already to the department of education Navient representatives told me all I had to do was show proof I made the payment and Navient would take care of this I was told this 3x I provided proof from my bank and now they are telling me I have to recover the payment from the department of education. Now I still have a late payment and it appears again they want me to default.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, 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:
In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: U.S. BANCORP
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I had a inquiry that showed up on my credit report, I found out via a alert from XXXX 

I have not applied for any cards with us bank and I contacted them the day I found out and they said they would remove. This was over 30 days ago so I need to take other action. This inquiry is adversely effecting me and trying to get a car loan.

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
TransUnion keeps reporting that I have a balance with XXXX XXXX. I have paid XXXX XXXX XXXX off. Last week I opened a dispute. yesterday my score went up to XXXX, today it fell back down to XXXX. Everyday Transunion keeps reporting different amounts for this company. It also appears they are disorganized and multiple people are tampering with my account. XXXX XXXX phone # is XXXX. They can verify I am paid in full with a credit on my acct. Transunion is always reporting everyday which the other 2 reporting agencies does not do this. It is only every 30 days, I am very irritated with TransUnion.

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 2022-09-01
Company: Experian Information Solutions 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: 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 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got 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 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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/2023 I submitted letters to XXXX, XXXX, and Transunion asking them to reinvestigate the information previously disputed and provide who they verified the inaccurate information reporting on my credit report with and I have not received a response. The date is now XX/XX/2023 and I understand the next step is litigation, however I am giving the bureaus a chance to rectify this situation. I want to formally file a complaint and receive the fair response that I am due. Please hold these companies accountable.

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 2022-09-01
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2021 the company that i hold this credit card with decided to charge a XXXX dollar fee without my knowledge up until XXXX of 2021. When I realized that I was being charged {$2.00} dollars denounced my knowledge, ( total of {$8.00} dollars ) I asked them to remove it. I would pay it off, and that I never carried a balance or even had a balance on this card and that they should of informed me that they would be charging me a fee without my knowledge. It was never removed as was mentioned to me. This little mistake on there part has affected my score dramatically for a simple amount.

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 2017-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
A collection account was added to my credit report in early XX/XX/XXXX. I believed the account to be inaccurate so I disputed the account with TransUnion. Subsequently, the account was deleted from my report in XX/XX/XXXX. In XX/XX/XXXX, the same collection account for the same balance was reinserted on my credit report with the notice to me, as required by law. Please investigate this account. The attached documents show the collection account ( XXXX Balance {$500.00} ) as currently listed on my credit report and as it was deleted in 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 explanation
Consumer complaint received 2022-09-01
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: 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 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got 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 2023-03-14
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:
If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation : XXXXXXXX XXXX to be removed XXXX XXXX XXXX XXXXXXXX XXXX these accounts were fraudulently opened and charges were made that i was not aware of, i was also threatened by the criminals to do certain things i did not want too. the companies will not remove the charges and holding me responsible. the fbi was contacted and police report filed. XXXX, Transunion and XXXX are hindering my credit the accounts numbers do not match, date opened, payment amounts, there are a lot of discrepencies.

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 2022-09-01
Company: TRUIST FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
A few weeks ago I had an notification email from XXXX saying there was a change to my credit file. I went on there site and found out there was a new account added that I did not apply for. It was from Truist Bank saying I had applied and been approved for a credit card with a {$9000.00} limit. At that time there was a XXXX balance on that account. I immediately disputed that account with them and contacted the bank. I filed a report with them and I asked if that card would be blocked to keep from getting any charges. I was told only that the report would be turned over to the correct department and I would be getting a letter from them also that my SSN had been jeopardized. I have never received anything from this bank. A few days later I was once again notified of a credit change. I went to XXXX website and right away noticed my credit score had dropped by XXXX points and there was an increase in my credit balance. I looked and the individual that got that card had charged over {$1900.00}. I contacted the XXXX and they contacted them and they sent me notification they contacted Truist Bank and that concluded there part. I was notified today that XXXX concluded the dispute and shows supposedly that the information from Truist Bank was correct. I also contacted XXXX today with identity theft concerns and was advised to file a report with the FTC.

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 2022-09-01
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
Recently I have noticed some incorrect information on my credit report. I have reached out to Experian, XXXX, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

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: 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 have requested items on my credit report be validated because there is information on my credit report that is inaccurate, there is identity theft. My credit report by law should have 100 % accurate and verified information and right now it does not. I'm asking these items to validate or remove from my credit report, which is the law. 

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : ( XXXX XXXX  ) : ( Account # XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I have been sending disputed about my credit report to all CRAs XXXX, XXXX, & Transuion, about a couple accounts on my credit report. 

They have failed to conduct a reasonable investigation and failed to provide me the completeness and methods of verification for these accounts. 

XXXX XXXX - Charge off Acceptance Now - Charge offs I am now Demanding that the removed both accounts and any inquiries associated with these accounts from all CRAs immediately

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 2022-01-11
Company: EQUIFAX, INC.
State: CA
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 became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Had this card for over a year with excellent payment history. After 1 missed payment due to a financial hardship they closed my account. They will not work with me in any way to get back on track. I do not understand how after 1 missed payment an account can be closed. And the amount of late fees are catching up to the credit line. How can any one ever catch back up. I was a very loyal customer who always paid on time and more than the minimum due. You have caused sever damage to my credit history.

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