BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
the attached letter is regarding a XXXX  XXXX XXXX auto loan account i have and making payments on on time with out any delinquencies, the creditor XXXX XXXX XXXX has reported an inaccurate late payment delinquency for the XX/XX/2019. 
please find attached the letter that after discussing this with them they have changed their decision and made update on the account, but the bureaus such as XXXX, XXXX  and transunion are not updating their reports, please help to have this inaccuracy updated from the reporting agencies 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 2023-01-04
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XXXX XX/XX/2022, I submitted a concern about a refund of any unearned portion of interest charge to XXXX XXXX XXXX the CFPB. The initial letter is below. The company responded that the account didn't belong to them ; however, they have serviced my profile and the information was taken from my consumer report. I received confirmation from XXXX that NelNet has the proceeds concerning my complaint. I am attaching the reply from XXXX and is demanding Nelnet to release ALL unearned interest to XXXX XXXX XXXX. NelNet lied and is very unacceptable. 

NELNET XXXX XXXX XXXX XXXX, XXXX XXXX Re : Refund of unearned interest on Account XXXX XXXX XXXX XXXX To Whom It May Concern, It has been brought to my attention that refinancing, consolidation or restructuring of a consumer credit transaction the creditor shall promptly refund any unearned portion of the interest charge to the consumer. The creditor shall compute the refund based on the method which is at least as favorable to the consumer and by law it is the actuarial method. The actuarial method allocating payments made on a debt between the amount financed and the finance charge pursuant to which a payment is applied first to the accumulated finance charge and any remainder is subtracted from, or any deficiency is added to, the unpaid balance of the amount financed. Upon receiving this written request, before the end of the 5 day period beginning on the date you received from the consumer this written request, the creditor or assignee shall provide me the disclosure of the amount due on any precomputed consumer credit account. Please provide me the statement of the amount necessary to prepay the account in full. I am aware that the amount you will disclosed includes an amount which is required to be refunded with respect to such prepayment, the amount of such refund. I am aware that the written statement is required considering that I am have made this request in writing. It is noted that I, the consumer, shall be entitled to 1 free annual statement each year without charge. XXXX XXXX XXXX, XXXX Without Recourse

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: PLAZA HOME MORTGAGE, INC.
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Plaza Home Mortgage company sold my loan and did not notify me of the event, I have auto pay and been watching my bank account and I noticed no payment, I called them and at that time I was told that my loan was sold to another company without any notice sent to me, XXXX XXXX was the new company I was told. My complaint is why is there no personal contact informing of such transactions, If I wasnt watching my bank account I would never of known about the transfer/sale of my mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been diligently trying to correct inaccuracies on my credit report maintained by TransUnion. My first attempt to rectify the issue was on XX/XX/XXXX, when I sent a certified letter detailing the discrepancies in the data, specifically regarding my date of birth and addresses. Despite the thoroughness of my communication, there was no resolution. Undeterred, I sent another certified letter on XX/XX/XXXX, reiterating the errors and requesting an update. The repeated attempts reflect my commitment to ensuring that my credit report accurately represents my financial 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 non-monetary relief
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
It is not belong to me. It is fraud! This is causing me a lot of stress and 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 2020-03-02
Company: Navient Solutions, LLC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Navient is refusing to remove 9 late payments that they claim were after my XXXX began, XX/XX/2016. The supposedly late payments are still inflicting emotional damages upon me because Im XXXX XXXX XXXX, they dont need to be adding insult to injury. Those 9 late payments still effect the repair of my credit and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
found out XXXX, Trans Union and XXXX are furnishing my account Dept Of ED XXXX XXXX which is a violation of 15 USC 1681a. I have send them a dispute in the mail XX/XX/23, waiting for a respond.

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 2019-12-12
Company: ProCollect, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt is illegal and invalid. Landlord/collection never contacted me ( guarantor ) by mail. Landlord/collection never provided itemized list of repairs. Landlord never provided depreciated value of property. This is required by law in order to collect on debt and must be provided within 3 weeks of move out. Despite several requests to do so, this was not done. Landlord can not expect to collect on an arbitrary amount. It is my opinion that the carpet that was damaged was already depreciated to {$0.00} and therefore the damage to it is {$0.00}. Instead, they insist that is is more without provided legally required documentation to prove their value. Collection agency proceeded to report this on my ( guarantor ) credit report with ZERO contact with me.

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 2021-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX, Transunion is verifying a bankruptcy falsely. 
Companies have been verifying through thrid party agencies in which XXXX XXXX have sent myself and each reporting agency copies of my report verifying that i have no bankruptcy. I also have documents directly from court house. 

My question is who is holding these credit agencies responsible when they break these laws in place. 

FCRA laws every consumer reporting agency must have the written consent of the consumer to furnish information and they do not have any written consent form me to furnish anything to their systems this problem keeps gettin ignored despite my evidence being presented which in turn s make me resubmite everytime it gets closed out.

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: 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 repeatedly disputed this account with Experian and they response is always verified. I have asked for proof of verification and can not be provided that information. I also wrote the company to the address that Experian is reporting and the letter was returned to me as undeliverable. Experian is reporting incorrect information which is damaging to my consumer 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 2017-07-07
Company: BB&T CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I had a installment loan with Sheffield Financial and I paid it off in XX/XX/XXXX I have been waiting for a title, and was told many times by Sheffield that the title was sent to the bank that sent them the check to pay it off, now Sheffield can not find the title and it still shows at XX/XX/XXXX credit that I still owe XXXX and have not made a payment since XX/XX/XXXX but Sheffield states I have made all my payments and the loan is closed and they sent the title in error to XXXX bank. now I cant do anything but wait and here it is XX/XX/XXXX and I still cant sell the vehicle since I have no title.

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 Any 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 non-monetary relief
Consumer complaint received 2023-07-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report o XXXX XXXX XXXX  XXXX XXXX : {$150.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} o XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$150.00} XXXX XXXX XXXX XXXX  Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Balance : {$1300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-10
Company: FIDELIS RECOVERY MANAGEMENT, LLC
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company has been calling for several YEARS. Most recently this morning ( XX/XX/XXXX, XXXX XXXX ). They keep asking for XXXX XXXX. We have told them DOZENS of times there is NO XXXX XXXX or anyone even close at this number. There never has been ; we have had this phone number since the XXXX. We 've never heard of this person. We have told them this repeatedly and have told them many times to stop calling. They keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 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 Any 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 non-monetary relief
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: NE
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: FACTUAL DATA CORP.
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: Their investigation did not fix an error on your report

Complaint:
This company ran a credit check on my without my consent or authorization. I have no idea who they are or what this was about. I disputed it but they did not delete it off my credit history with each of the three credit bureaus. This should be deleted off my credit report on / with each of the three credit agencies immediately as it was unauthorized. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-11-25
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
ON XX/XX/XXXX PNC BANK DECIDED TO PUT A HOLD ON MY BANK ACCOUNT NO REASON GIVEN, they have no proof of letters sent to my home address explaining the reason why the hold There are over {$44000.00} USD DOLLARS they have had my money for well over 2 years THEY ASKED ME TO STEP IN THE BRANCH WITH MY BROTHER WITH OUR IDs WE MET WITH XXXX XXXX AT THE PNC BRANCH LOCATED ON XXXX XXXX XXXX XXXX XXXX ILLINOIS XXXX WE GAVE HIM OUR IDS AND HE SAID THIS IS ALL WE NEED, THE HOLD SHOULD BE REMOVED WITHIN 48 HOURS WE MET XXXX XXXX XXXX AND IT IS ALMOST XXXX I JUST WANT PNC TO EXPLAIN WHY ARE THEY STILL HOLDING MY MONEY??? 

THEY ASKED ME TO STEP IN WITH MY BROTHER AND WE DID. 

I ASK THE CFPB TO PLEASE PROTECT ME AND HELP ME AGAINST THIS FRAUDULENT BANKING PRACTICE THEY ARE TRYING TO KEEP MY HARD EARNED MONEY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
on XX/XX/21 I spoke to " XXXX '' I informed her the item I paid {$550.00} was a counterfeit and had no serial number. She instructed me before she could proceed I needed to return the item. I explained to her the seller has started harassing me and I had blocked him, furthermore I have no obligation to come out of my pocket to return an item to this person in hopes of them simply launching a dispute, and that I wouldn't pay out of my own pocket to return a counterfeit item to someone who had already committed a $ XXXX amount of fraud by selling it to me without disclosing it didn't have serial numbers. She refused to listen .... normally I would call back for something more reasonable but this was the third time calling, the first time I got hung up on and the second I waited XXXX to talk to someone after they just seemingly left the phone. This financial institution is failing in their fiduciary duty and they need to move forward with this dispute with the ample info I have given and the full conversation me and the seller had I offered to give.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This involves LoanCare LLC again. I sent them my updated hazard insurance policy, which they claim they never received, even though they paid the renewal right out of my escrow account on XX/XX/XXXX. Today, I received another letter from LoanCare stating that they were charging me {$25.00} for a lapse in insurance coverage from XX/XX/XXXX to XX/XX/XXXX because for some reason, their records indicate a lapse in coverage. 
My previous policy on this home went from XX/XX/XXXX to XX/XX/XXXX, and that was with XXXX. The coverage for this year picked up right at XX/XX/XXXX to XX/XX/XXXX. I sent LoanCare the policy for last year XXXX and AGAIN the one from this year XXXX. I will include these documents in my complaint. 
I want them to stop coming up with ways to try and extract money from me with ridiculous fees. If they are truly a legitimate servicing company, I can tell you this XXXX would not be happening. I believe they are a scam company. My loan was sold to them from a reputable mortgage company. I want my loan taken from them and sold to someone else legitimate ASAP. I am going to have an attorney look at everything they have sent me thus far. I've only been with them a month and I have received two collections notices. I have had mortgages for the past 20+ years with all different servicers and NEVER have I EVER received any collections notices. THEY ARE A SCAM COMPANY, PLEASE INVESTIGATE!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: EQUIFAX, INC.
State: TN
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 lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and ID. I continued with my everyday life and never had an issue. Just couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the number of items that were opened on my name including bankruptcy. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$5900.00} COLLECTIONS XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation