BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

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 2022-10-24
Company: EQUIFAX, INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In my last dispute I was told that the alleged debt was verified..So I am requesting a detailed process of the reinvestigation to confirm the alleged debt..I am also requesting a summary of my rights, my full file, along with sources and report recipient 's...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 2021-04-07
Company: EQUIFAX, 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:
I am writing to delete the following information in my file. The items that need to be deleted are listed in my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX  I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: MD
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 have submitted disputes to you and I didn't get a response within 30 days. And you'll are required by law to do so. Please investigate my disputes please. 

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 2021-11-26
Company: EQUIFAX, INC.
State: MA
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:
CREDIT BUREAUS ARE IN THEIR VIOLATION OF LAW FOR NOT CONDUCTING AN INVESTIGATION REGARDING ON THE FRAUDULENT AND MISLEADING ACCOUINTS REPORTED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: WI
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 the Fair Credit Reporting act XXXX  account # XXXX account # XXXX Account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX Account # XXXX has violated my rights. 


XXXX XXXX XXXX Account # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2019-08-21
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019 I deposited a check that was issued to me by a friend in the amount of $XXXX.  The account was put on hold for suspected fraud. The funds cleared but were still held.  I had the issuer of the check (my friend) speak with the branch and was wondering why they deducted the money from his account but didnt pay who he wrote the  check to(myself). The bank had said that they were going to hold the money no more than 11 days.  It is now almost one month later and they still are not releasing my money.  They informed me that they would be closing my account because there was a bounced check from the same check issuer (my friend). and they decided that was too much negative activity for such a new account. However, they continue to hold on to the money and not send a check like they said they would do.  The account remains open, it has a positive balance of $XXXX.  On XX/XX/2019, however, they did release to me $XXXX because I told them that I was having a problem and needed at least that amount. So again, the account remains open,  i'm unable to spend the money that is in the account and they are just holding onto it.  I told them I needed to pay my rend and pay other bills and that them holding my money was causing many problems for me.  I'm now about to lose my apartment because I'm not able to pay the rent. I have defaulted on my utilities and power is about to be turned off.  I cannot believe they are doing this to me and how is it they are allowed to do this to me?  This must be against some law. The is all happened at the US bank in XXXX, CA  (XXXX Branch).  the address is XXXX XXXX XXXX. XXXX, CA XXXX.  The manager who opened my account and placed the hold on my account is XXXX.  I have asked her to get me in touch with someone who I can resolve this matter with and she tells me that it is all decided from an office that I'm not  allowed to speak with and am just given a number to call.  When I call this number, the end result always is to contact the branch.  So it's this circle Im having to be in and it just keeps going around and around and no one can answer me anything other than :your account will be closed and we  will mail you a check:.  But it never happens and is not happening as the account is still open.

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 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
Recently, a collection agency named XXXX XXXX started reporting an $ XXXX collection on my credit report. I have no clue what this could have been, because I have never has an unresolved debt of this magnitude. And before this account showed up on my report, they never tried to contact me about it. I was under the assumption that they were required to contact me and give me an opportunity to contest a potential collection before they report it. I certainly would have done that, but I was never given the opportunity. I have since contacted this collection agency directly to complain, and ask for further explanation about this phantom debt. But there representatives are very rude and tell me that they don't have to give me that information.

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 2019-08-29
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX. ha8s placed an hard inquiry on credit file on XX/XX/2018. Inform company inquiry was unauthorized.

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 2022-10-28
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here are the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  PA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$20000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$64000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$860.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00}; XXXX XXXX XXXX Balance Owed : {$21000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$460.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-07-25
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
State: CA
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:
There are XXXX inquiries on my credit report that does not belong to me they are : XXXX XXXX XXXX - Inquiry date : XXXX XXXX, 2020 XXXX Inquiry date : XXXX XXXX, 2020 XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX - Inquiry date : XX/XX/ 2020 XXXX - Inquiry date : XXXX XXXX, 2020 XXXX XXXX - Inquiry date : XXXX XXXX, 2020 These are inquiries I have not done I dont know what they are for I have no cards or accounts like this!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep getting spam e-mail from ace cash express saying I owe them money for a loan i never got the letter comes from a XXXX XXXX they do n't send an address they say I have to use email or call them at XXXX and I do n't call numbers that I do n't know

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20
Company: AES/PHEAA
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I graduated in XXXX with a substantial amount of debt. I immediately enlisted in the military with hopes for additional repayment options, etc. I utilized the SCRA to help while XXXX XXXX, however AES/PHEAA/XXXX immediately began their scare tactics upon my discharge. 

The first straw was in XXXX when the co-borrow called to make a payment on a past due loan that was through XXXX XXXX XXXX. They took the money, allocated wherever they wanted, neglecting the loan that actually needed to be paid. It defaulted. Once questioned as to why it wasn't sent to the right accounts, the response was " he didn't say he wanted it all allocated there ''. COMMON SENSE SAYS TO PUT IT WHERE IT NEEDS TO BE- NOT WHERE IT ISN'T NEEDED. They conducted an " internal investigation '', claiming they listened to the recordings and were not at fault. Yeah, right. I told them about his age ( and why he doesn't do online payments ) and they said- " maybe he was just confused ''. DISGUSTING! My father ended up using his entire savings to cover this loan once it was in default/collection. 

I have called countless times to make other payment arrangements, only to be told by one representative I had such and such options and getting my hopes up. But then I get notice that my loans are 90+ days past due and my good faith payments were for nothing. I then call back and get a representative saying things such as " I don't know why the last person would have told you that '' and escalating me to a " supervisor '' who said that things just haven't processed to reflect the amount owed. A week later, I see I'm 103 days past due. I call back yet again to be told : " you used all the options available ''. 

In short, I want to pay! I just can't pay the amount they want. I can't get a consolidation loan somewhere else because XXXX/AES has ruined my credit beyond belief. I'm to the point that I ask myself why pay at all? If what I can give isn't good enough, I may as well keep the money in my pocket to pay my rent and eat. 

The original cosigner for the loans is now XXXX and living on Social Security. WHY are options for repayment so limited? I'd sell a kidney just to be able to move my loans to another servicing company with actual legitimate repayment terms. They have done nothing short of ruining my credit and quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Global Lending Services LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX I have paid my payments XXXX days early. Instead of being charged less interest I am being charged more. On numerous occasions I have inquired about my payments not being applied on the date I pay. GLS has been charging me enormous amounts of interest that are not consistent with me paying early. XXXX payment included XXXX. They took have of the money {$500.00} plu and applied it toward interest. 
This practice is causing my balance to decrease VERY slowly. 
Of the $ XXXX that I have currently paid, less than {$2200.00} has been applied to my vehicle. This practice appears to be purposeful. And it equates to more than 17 % interest per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Experian Information Solutions 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:
I have contacted Experian and XXXX on several occasions requesting that they investigate a derogatory account that is past the statute of limitations for being on my credit report ( 7 years ) - for XXXX XXXX XXXX XXXX - which is is showing as a derogatory collection because it was settled in full. 

On both occasions the credit bureaus ignore my written requests for removal of this outdated information, and they don't respond at all.

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 2023-04-26
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:
my rights have been violated by TransUnion, XXXX, and XXXX on XX/XX/2023 I submitted my Victim Determination Letter along with the rule attached to it along with the list of adverse items to be blocked in 4 days. I received a response that has nothing to do with what i submitted to them and that same adverse information is still parked on my credit without my permission. List of violations are adverse information not being blocked 4 days per the final rule on victims of a severe form of XXXX XXXX  debt parked on my report to coerce payment from me, not in agreement with their membership contract to uphold state and federal law.

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 2018-11-20
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I sent this complain to XXXX XXXX at XXXX XXXX XXXX and I was referred to you. 

Back on XX/XX/2018 I sent an electronic final payment of {$3000.00} to Navient via my bank 's bill pay option. When adding this payer to my bill pay, I added it as Navient, and the company was automatically recognized by the bank so I did not have to manually add the address.That is where the nightmare began. 

I checked my account about a week later, just to see my balance had not changed, and I had a payment due. I made the payment and just figured with the XXXX XXXX holiday maybe it would take a little longer to clear. Unbeknownst to me, the address that was added was The Education of Navient, and not Navient. I called Navient and explained my concern and was told by a Education of Navient representative on XX/XX/2018 that they are aware of misdirected check and the funds have been reissued to my bank, and it should take 5-7 days.

After another week, the funds were still not returned. I called back again and by chance talked to the same person and he apologized for misinforming me and that the process would take 4-6 weeks. Although I was not happy with the news, there was not much I could do, other than to continue to wait. After multiple calls after the 6 weeks had past I was then informed that the check went from the Education of Navient to the Treasury Department. The Treasury Department cashed the check, and The Treasury Department will be issuing another check to the bank. 
I have spoke to and visited my bank and they are also on the look-out for the funds. There is nothing the bank can do because it was a electronic check. In the meantime, I have sent 2 more checks to Navient, directly to their site to get this loan paid off.

It has been 12 weeks now and I do not have the {$3000.00} that was sent electronically to the wrong address and continue to wait.I would greatly appreciate any help that you could offer. I have all the supporting documentation needed.

Company response to consumer: Closed with explanation