BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-28
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: Investigation took more than 30 days

Complaint:
Under FCRA & FDCPA, TransUnion refuses to remove and permanently delete XXXX from my credit report for not responding to my debt validation within 30 days. I have provided proof see attachments -- -- -- -- -- -- -- -- -- -- -- - On XX/XX/2018, XXXX received ( certified mail ) my debt validation request. I did not receive a response from XXXX until XX/XX/2018. 

Please Note : Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), creditors have 30 days to investigate disputes. And if creditors could not verify the information within 30 days time period, they MUST delete and remove all of the disputed accounts from the consumers credit reports. Failure to do so can result in a {$1000.00} fine per un-deleted item. 

This is damaging my credit rating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On my job for employment is wrong. The company they have for my current employment I haven't work there in 13 yrs. Iam currently employed by XXXX XXXX where I've been since XX/XX/2008.

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 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
NEVER LATE FCRA VIOLATONS : Account info Account name XXXX XXXX Account number XXXX Account type Credit card NOT MINE : FCRA VIOLATIONS : XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$340.00} Status Account charged off. {$340.00} written off. {$340.00} past due as of XX/XX/XXXX. 
XXXX, XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5900.00} Status Collection account. 


XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$210.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$80.00} Status Account charged off. {$80.00} written off. {$80.00} past due as of XX/XX/XXXX. 
Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Multifamily ( XXXX ) XXXX Cellular ( XXXX ) XXXX Residential

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 2019-06-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have requested to credit agencies several times that my name reporting is wrong. I have called, fax documents and nothing has been done. I have only had 2 legal names in my life one is XXXX XXXX XXXX and my married name is XXXX XXXX, I have never used any other names, like you guys report in my credit, I need for equifax to comply with my request and please, move forward with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
To whom it may concern, I graduated from college in XXXX. It is now XXXX and my loan has gone from XXXX to XXXX. 
I consolidated my loan to help me get all my loans in one place, this averaged my interest rate and actually make my debt load more. 

I spoke with someone recently at XXXX XXXX XXXX and inquired about lowering my payment. The problem is lowering my payment on a income based repayment plan isnt helping because its the interest that continues to accrue and then balance that continues To go up not down. 
The woman I spoke to explained to me that my interest at 6.38 % is {$13.00} a day, which is XXXX a month. My {$290.00} monthly payment doesnt even get to the principal balance. If I choose to defer my loan when I have trouble paying the interest is capitalized onto the principal balance and again my loan goes up not down. 
I have a XXXX XXXX that I owe XXXX dollars on and have paid on for 7 years. The more money I make the more I need to pay so I can never get ahead. I cant find a job with my degree and cant go back to school because more loans. 
I am writing to try to get somewhere. Ive asked to lower my interest rate to refinance to potentially change companies ( although this companys customer service has answered my questions ) I do feel like I am being taken advantage of and really in a place of desperation as I have children and work as hard as I can and will soon need to retire myself. 
I dont understand how this company can basically add so much interest that the loan has more of a balance than when I started paying. XXXX more and it will keep growing not shrinking. She said if I defer to keep up on interest. I can not pay XXXX a month in interest when I cant afford my $ XXXX monthly payment. 
Both my parents are deceased. I am the first one in my family to attend college. I would like to help my children with college. Is this the America Dream to die from student loan debt? 
I am a XXXX female. I am educated. This feels unfair. I wanted to be a XXXX. I wanted a career. I had a dream of helping children. I cant go back to get a XXXX   certificate because my student loan debt is to high. 
I feel sorry for our future generations of this is what they have to look forward to. Why cant student loan companies charge a reasonable amount of interest and not try to punish you when you struggle to pay or cant afford the maximum payment? Can something be done to make XXXX XXXX more fair to its borrowers? Isnt this company with the Department of Education? Why are they trying to make so much money off of us? What can be done? 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Bliksum, LLC
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:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Capital one put a restriction on my account for normal card use. I can not dispute any charges or issues on the account without sending them a copy of my license and SS card, which I am extremely uncomfortable doing. I can verify every purchase, I'm calling from the number on the account, I've verified things by email and by regular mail and that is not sufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
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: Old information reappears or never goes away

Complaint:
You just removed the XXXX XXXX account and now you have re-added this account back on my file. 
I've already submitted to you some of the documents that I submitted to this company and they have not been able to validate this account claim. 
Now you have allowed this account filing to be place back on my file. 

This information needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I tried to deposit several checks via a mobile app. XXXX XX/XX/2022. I fat fingered some of the $ amounts. My account got locked. I called the next day and their techie dept got it reopened. I then received an intent to close my account on XX/XX/XXXX. I called and spoke to a supervisor ( XXXX ) on XX/XX/XXXX and told her to just close the account and mail me a check. She said she'd make the request and it would take 3 days to process. I never got the check and called again today. ( XX/XX/XXXX ) I was told they have not yet formally closed my account and could not release my money. ( spoke to XXXX and was tranfered to XXXX in member resolution ). XXXX states they can lock up and hold my monies XXXX for 60 days while they decide what they're doing, even though XXXX confirmed USAA has already determined to close it in the coming days, they still wont release my monies until they officially close the account in the coming days. 

Checking Account XXXX : XXXX USAA out of XXXX XXXX, TX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: EQUIFAX, INC.
State: DE
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 contacted Equifax via mail on XX/XX/2020 and online on XX/XX/2020 to dispute unauthorized inquiries. I received a follow up via email on XX/XX/2020 stating my dispute was complete. However, I was unable to view the results online as the system is not working. I tried to reach Equifax via phone today XX/XX/2020, I held for 4hrs before the line was disconnected. I finally received the dispute results via mail later on in the day. Equifax deemed the inquires factual, I received no supporting documents. I have never applied for anything with these companies, these are fraudulent inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/1970 XXXX Credit Bureaus : XXXX, XXXX, XXXX To whom it may concern : 15 USC 1681 Section 602 States : I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as for late for any purpose.

I am reporting this collection as an " Open Account '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: EQUIFAX, INC.
State: LA
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:
On XXXX XXXX I mailed notarized disputes to each of the credit bureaus after reviewing my reports and noticing some inaccuracies. It has been 90 days and still no response. In addition I called on today and they claimed to have never received them. I am well aware that by law the bureaus are allotted 30 days to conduct and investigation and respond. It has been triple that amount of time and I feel like that this is a gimmick to prolong and or avoid responding to my disputes. By law these items need to be removed completely! Each of the bureaus have already violated my rights as a consumer. 
I have attached the referenced disputes to this complaint in hopes that this will make this comply with the LAW! I will proceed with litigation if we can not come to a resolution in a reasonable timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: EQUIFAX, INC.
State: AL
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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.

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 2019-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
On XX/XX/2019, I received a letter from XXXX XXXX, the holders of my XXXX XXXX Credit Card, stating that they lowered my credit amount from {$1600.00} to {$400.00}. I had, in fact, recently paid my XXXX XXXX Card off entirely then began to use it again. I made all payments ON TIME and only used approximately {$380.00} of my credit line. I did not ask for an increase. XXXX XXXX informed me that they ran a recent review of my account, without my permission. Due to the response from Transunion Consumer Relations ( www.Transunion.com/XXXX XXXX XXXX XXXX/ XXXX. XXXX XXXX, XXXX, PA XXXX XXXX-XXXX-XXXX ), they were given the following inaccurate and untrue reasons for their decision : 1. Serious Delinquency 2. Proportion of Balances to Credit Limits on Bank/National Revolving or Other Revolving Accounts is too high 3. Too few accounts currently paid as agreed 4. Proportion of Loan Balances to Loan Amounts is too High 5.  Number of Inquiries was a Factor in Determining Score As a result, my FICO score dropped from a XXXX to a XXXX. 

In XX/XX/2019, I was granted a Home Equity Line of Credit of {$50000.00} from XXXX XXXX. Most of this money was used to pay off credit cards and an installment loan. As a result, I have not applied for any new credit since obtaining this HELOC and should have no new inquiries on my report other than XXXX, themselves. I paid off the installment loan, as well as many of the credit cards, with the exception of two. The ones I did not pay off, have been part of a Credit Management Program for two years and have been paid consistently on time. The information Transunion gave to XXXX XXXX  is false and misleading and I want it corrected immediately. The only change to my credit report has been for the better and I have no idea where they are coming up with this information. They have done this to me once previously and I have made a formal complaint with the CFPB in the past.

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 2023-01-11
Company: EQUIFAX, INC.
State: FL
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 accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX : # XXXX, XXXX XXXX # XXXX XXXXt : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.

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 response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Secured credit card was opened with XXXX bank in XXXX. Account was opened fraudulently. The account began reporting as charged off in XX/XX/XXXX. From that point until XX/XX/XXXX, the account reported as a charge off. On my credit report, it is reported as XXXX charge offs for the amount of {$9.00}. XXXX is only reporting this account to XXXX and Equifax, not XXXX  ... Ive reached out several times to XXXX to tell them of the error. I have filed complaints and challenges previously as this issue has become extremely burdensome.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/21 - Bill pay used to pay Best Buy Credit Card. Payment = {$2000.00}. Overpaid by {$1600.00} causing credit balance. 
XX/XX/21 - Called and requested a refund of credit balance. I was advised it would be processed within 7-10 days. 
XX/XX/21 - Received letter dated XX/XX/21. Letter stated " name on the payment for {$2000.00} does not match the primary or authorized user on the account ... .we need you to provide us with the name that appears on this payment. '' XX/XX/21 - Called customer service and verified the name of my wife, whom I hold the joint checking account used for the bill payment. Customer service advised refund would be processed within 7-10 days. 
XX/XX/21 - Received letter dated XX/XX/21. Letter stated " we need to speak with you at your earliest convenience. Additional information is required. '' XX/XX/21 - Called customer service and verified my wifes name again, checking account number and routing number used for bill payment. I was advised refund of credit balance would be processed within 7-10 days. 
XX/XX/21 - Called customer service to check status. After escalating call to an " Account Manager '', I was advised the refund could not be processed because I was not named on the bill payment. Possibly need a copy of my banks ACH transmittal ( front and back ). When I questioned the possibility of my bank providing this, I was told perhaps a voided check showing both of our names on the payment account would work, and to shorten the timeline, I could file a transaction dispute online to submit documents of proof electronically through their website. 
XX/XX/21 - Filed transaction dispute online and attached voided check, which included account and routing numbers for bill pay, as well as my and my wifes names on check. Also, I attached screenshots ( from online banking used to pay the bill ) that showed the bill pay details, amount, date, and standard electronic transfer confirmation number. 
XX/XX/21 - Checked online for status of transaction dispute. Complaint was " closed '' and asked for " proof of payment such as a copy of other credit card statement or check/money order [ both sides ] used for payment. Include your name and Account Number on the documents. '' My Best Buy Credit Card - From Citi continues to ask for name and account information from the bill payment. I have provided it at every request only to be denied a refund for the same reasons. I am not sure what else to do from here and need some help. 

Thank you, 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