BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
On XX/XX/2019, I sent XXXX a request to validate that Bankruptcy Chapter XXXX reporting on my credit file. XXXX continues to report this inaccurate information. Have failed to provide a copy of any viable evidence submitted by Bankruptcy chapter XXXX. 
I have advised XXXX that an employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Also, they need to be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
They have not provided me any documents bearing my signature, showing that I have a legally binding contractual.

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 2019-06-14
Company: Debt Recovery Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt Recovery Solutions LLC I was going over my credit file and seen a unverified account from Debt Recovery Solutions LLC XXXX! I don't recall even doing business with this company. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am unaware of the amount due and your bill does not include a breakdown of any fees or services never provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been put in continuous forbearance with huge amounts of interest applied for over a 10 year period and not told about  IBR  options until last year. I only make about  XXXX  a year and my balance has gone from about  XXXX  to  XXXX  now. I have made payments when I can but I struggle and I filed BK  XXXX  in  XXXX  in    2013  with an income of only about  XXXX  a month and was not allowed to put in on the bankruptcy?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: ID Analytics, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After I found out that a credit card issuer pulled a report from Sagestream I immediately contacted them via Fax as mentioned on their website alongwith identification requirements.and requested them to provide a copy and also freeze my credit report. This was sent on XX/XX/2019. After 10 days elapsed and no response from Sagestream I decided to call but was prompted by automated system to leave a message and that they will call back in 1 business day. I waited 1 week for response and repeated the process 4 times at weekly intervals but never heard back. Then I faxed the documents again on XX/XX/XXXX and finally sent a letter via USPS certified mail on XX/XX/XXXX and received acknowledgement of receipt of the letter but still no response. 

In summary, I have faxed twice, called and left message 4 times and sent documentation via USPS certified mail once and there is absolutely no response from the company. It is now 6 weeks from the first time I tried to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian continues to report me as having late payments on an account that was closed in XXXX and debt cancelled due to the creditor violating the terms of the agreement. In XXXX, I finally got an official debt cancellation notice 1099-C. The other credit unions show the old account as a closed account but not as a negative, charge off, late or failed pay. Only Experian does this and has continued to do it past the account existing at all! Every month, they still log me with a CO or FP for a closed account with a {$0.00} balance. It wasn't charged off, it was cancelled due to fraud, mixed files and other non-verifiables. They never fix the fraudulent late pay history on their report thus getting me denied a business loan from my bank for late payments that never happened. They also fail to give me increases for payments I did make on other accounts and their website and phones don't work. I submit disputes and they'll change small details in 30 days, but not the problem and don't give me my real score. When a company did a hard check, it was much higher than what Experian told me it was. Then I call and get left on hold for 2 hours, hung up on 3 times in one day and told my IRS form can't load due to technical issues, then told it went through but finally get an agent who doesn't know how to find it, directs me to another uploader that also doesn't work. They also report late payments for a student loan that doesn't belong to me and says balance {$0.00}. Despite the fact that these accounts aren't supposed to be there at all, how would one pay {$0.00} on time?

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 2019-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Today XX/XX/XXXX I have been trying to talk TransUnion about my credit report but not help and take care of the negative inquiries reporting to my credit report. 
List negative inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2019-10-18
Company: EQUIFAX, INC.
State: NJ
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 am writing this due to non-compliance with the bureaus ( XXXX, XXXX, and Equifax ). They have failed to remove information that was linked with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-18
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In early XX/XX/2019 I contacted Chase Bank with regards to one specific credit card that I was having difficulty paying. I contacted Chase to see if there was any assistance that could be offered to me in helping to pay my card. I have never been delinquent on any credit card account with Chase or any other issuer. The representative on that day told me that she could help me get on a payment plan that would lower the monthly payment to {$280.00} a month. She said that it would close *that specific card. * I asked her specifically if it would leave my other accounts unaffected because I did not want my other accounts closed and if it was going to negatively affect my other accounts I did not want to do it. She said very specifically that it would only affect my one specific account I was calling about. I was on speakerphone at the time and my wife was listening and agreed we should do it if it would not affect our other accounts. The account was closed and I have religiously paid my payment and my other cards that were still open with Chase every month.

Today ( XX/XX/2019 ), when trying to use one of my other cards, it was declined. After checking why, I noticed that all of my accounts were closed according to Chase. I called Chase to have them explain why they had closed all of my accounts. The representative told me that it was, " because when [ I ] agreed to be on the payment plan [ I ] agreed to have *all* of my accounts closed. '' According to her that is Chase 's policy. I explained to him that the representative had told me explicitly on the phone that my other accounts would not be closed. She transferred me to her supervisor XXXX, who reiterated the same thing and he transferred me to another department where I spoke with XXXX ( badge # XXXX ). XXXX was honestly very snarky at times but explained there was nothing she was going to do and that my accounts would remain closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: SLM CORPORATION
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am the cosigner on three Sallie Mae loans with my son, XXXX XXXX : Sallie Mae Smart Option Loan # XXXX ( current balance {$54000.00} ) Sallie Mae Smart Option Loan # XXXX ( current balance {$53000.00} ) Sallie Mae Smart Option Loan # XXXX ( current balance {$23000.00} ) These loans are currently in forbearance as my son can not make the monthly payments which are {$570.00}, {$630.00} and {$250.00} respectively. While the loans are in forbearance ( which will end XX/XX/XXXX ) I attempted to contact Sallie Mae to work out a payment plan. Sallie Mae refuses to discuss ANY type of payment plan until the loans are in default. Obviously these loans going into default will have a strong negative effect on both mine and XXXX ' credit standing. I have tried to be proactive and attempt to work with Sallie Mae to make payments that are affordable. I can not understand why Sallie Mae refuses to even discuss any type of affordable payment plan until the loans are in default. This makes no sense either for them or for the consumer. Why are they so unwilling to work with a client who genuinely wants to be responsible and get the loans paid and NOT default?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Despite the multiple previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX Balance : {$0.00}

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 2017-11-14
Company: Bread Financial Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Comenity Bank keeps calling me repeatedly related to my credit card debt with them. On Saturday the XX/XX/XXXX, they called me 5 times, in a span of 5 hours. Today, on Monday XX/XX/XXXX they have called me 6 times. When I told them to stop contacting me and harassing me, they proceeded to start calling me from a blocked number. I am also on the Do Not Call Registry and one of the calls was made before XXXX. A woman named XXXX with Comenity bank is one of the agents that has called me several times after I have insisted that they stop harassing me. Below is my log of when I have been called by Comenity Bank most recently : Saturday., XX/XX/XXXX XXXX XXXX from XXXX Saturday.,  XX/XX/XXXX at XXXX from a blocked number Saturday., XX/XX/XXXX at XXXX from a blocked number Saturday., XX/XX/XXXX at XXXX from a blocked number Saturday., XX/XX/XXXX at XXXX from a blocked number Sunday., XX/XX/XXXX at  XXXX from XXXX Monday., XX/XX/XXXX at XXXX from XXXX Monday., XX/XX/XXXX at XXXX from a blocked number Monday., XX/XX/XXXX at  XXXX from XXXX Monday., XX/XX/XXXX at XXXX from XXXX Monday., XX/XX/XXXX at XXXX from a blocked number Monday., XX/XX/XXXX at  XXXX from a blocked number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-14
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:
Upon review of my recent credit report I noticed unauthorized activity. I immediately called TransUnion credit reporting agency ( Monday, XXXX XXXX, 2017 ) to be told that my file was being handled by the special fraud department, which by the way was done without my acknowledgement. I was told that it was because of a fraud alert, I never placed a fraud alert on my file. Already suspicious of the unauthorized hard inquiries, and to be told my file is being handled by the fraud department really had me on edge. I proceeded to inform the representative that I had no connection with XXXX XXXX whatsoever, and I in no way authorized them to pull my credit. The representative proceeded to tell me there was nothing he could do, they do not remove hard inquiries. He also refused to investigate the matter. Being in the " special fraud department '' I hoped that they 'd understand my frustrations and simply investigate the matter. I got absolutely nowhere. I hung up with one representative and called back multiple times speaking with multiple representatives begging and pleading for atleast an investigation, no one would listen. I asked what 's the purpose of my file being handled by the special fraud department when fraudulent activity is happening. He could n't answer my question. I said you are looking at the same information I am do you see any XXXX XXXX affiliation, he said no. The FCRA states that the only permissible purpose for pulling someone 's credit is for : 1 ) Firm offer of credit 2 ) Insurance 3 ) Employment 4 ) Court Order non of which applies to me. I requested for to be removed out of that department as it is in no way stopping anything, no changes as of yet. There is also a hard inquiry from TransUnion themselves they are staring is a soft inquiry when it clearly shows as a hard inquiry. I was told it took place when I requested my credit report. I could n't understand when I am entitled to a free credit report yearly and have never gotten a hard inquiry.

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 2022-03-02
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I believed that an old checking account was closed. I had an unintentional charge on the account causing it to overdraw. I was instructed to go in person to a branch to close. I went to the XXXX XXXX Wells Fargo branch where i was turned away and told to call the number on the debit card. I called that number and it had a very long wait time and selected for the call back option. Once they called me i told them to close my account. They then hung up on me and i still cant get through to close the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-14
Company: Experian Information Solutions Inc.
State: NY
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

I ASKED BOTH COMPANIESXXXX XXXX AND 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 2021-03-10
Company: BMW Financial Services NA, LLC
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: SLM CORPORATION
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:
This letter is to inform you that XXXX has failed to respond to my inquiry dispute letter that i sent via certified mail on XXXX/XXXX/XXXX. As a consumer, I have rights under the FRCA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. According to the USPS, XXXX received my dispute letter on XXXX XXXX. Please remove the following inquiry from my report as pursuant to 15 U.S.C 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Sallie MaeXXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

I ASKED BOTH COMPANIESXXXX XXXX AND 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 2017-11-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian continues to display a dismissed bankruptcy on my credit file .The fair credit reporting act mentions nothing in section 1681c relating to bankruptcy about dismissals or filings.Any case, civil or otherwise, which is dismissed no longer exists in the eyes of the law. 
Therefore, pursuant to section 1681 ( c ) ( 5 ) of the FCRA, it must be deleted from my credit file.
( SEE ATTACHED LETTER )

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