BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-10
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: Old information reappears or never goes away

Complaint:
1. The debt collector is illegally reporting data that is beyond the statue of limitations and is time barred. 
2. The debt collector stated that I never called in however stated I requested a investigation. Also I will be attaching a screenshot of my call to the debt collector when a representative told me that the debt was pass the statue of limitations so technically they could not report. 
3. I will be requesting the recording of that call that took placeXX/XX/XXXXXXXX 4. Not to mention this is debt that has been written off by the original creditor and resold and reported meaning it has affected my credit score twice doe the same debt.

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 2023-11-02
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
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: Information belongs to someone else

Complaint:
It is depressing to see the Credit Reporting Agencies do nothing with regards to my appeals for them to remove the disputed items that resulted due to Idenity Theft. I have already sent nineteen dispute letters pointing out the fact that I was a Victim of identity theft and that I never received anything nor benefits as the result of the theft of my identity. With the Creit Bureaus decision to ignore my written appeals, they have violated the Fair Credit Reporting Act section 605b and I am planning to take legal actions against the Credit Bureaus. I feel like all XXXX efforts ahad gone to waste and that the Credit Bureaus liked seeing a consumer like me suffer because of their negligent and non-compliance. I have informed my legal council about my plans and they are willing to help me. Once again, I need the Credit Bureaus Remove the Following items pursuant of the FCRA section 605b as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020

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 2015-11-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
this is on case Case number : XXXX disputed and sent several documents justifying my case and I should be refunded my deposits due to 5th 3rd bank lack of ability in underwriting a file. 
Thank youXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: Professional Service Bureau
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX my {$550.00} bill from the XXXX XXXX for services XX/XX/XXXX was sent to PSB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. I was unable to get an itemized bill from XXXX or the collection agency regarding what I was seen as owing. My numerous calls to XXXX and PSB as well as facsimile data was ignored. XXXX says XXXX paid {$530.00} while PSB notes XXXX paid XXXX as sent to them by XXXX. Neither XXXX nor XXXX will talk to me to reconcile this big difference.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged 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 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This account was never late and the Credit Bureaus was reporting inaccurate information on my Credit File. There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. The account XXXX XXXX with Balance Owed : {$0.00} and Date Opened : XX/XX/2020, is reporting inaccurate information. I have been sending letters to the Credit Bureaus regarding this matter and that the Credit Bureaus must confirm the validity of the account in question by conducting an investigation and correct any errors on my Credit File. But despite all my effort to establish a contact with the Credit Bureaus, they seemed to not care at all. If the Credit Bureaus do not take the matter I am disputing, well I do! As a consumer, I have the rights to request an investigation and correct my Credit file. I am exercising my rights by submitting this complaint and I am looking forward to see the Credit Bureaus correct my Credit Report as soon as possible.

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 2022-07-16
Company: JPMORGAN CHASE & CO.
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:
My name is XXXX XXXX XXXX and I am writing on my own behalf to delete the following information in my credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize the following inquiries/charges listed on my credit report. I reported the theft of identity to the Federal Trade Commission, and I also enclosed copies of the FTC report along with the notarized affidavit. Please delete the following items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
They have reported my payment late for XXXX, XXXX, XXXX, and XXXX of 2021. I filed BK and I reaffirmed this loan and made all my payments on time. They need to update my credit report ASAP this is hurting my credit score and I was not late.

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 2023-11-30
Company: EQUIFAX, INC.
State: NY
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:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for consumers right to privacy. XXXX, Equafax and XXXX are consumer reporting agencies and I am the Consumer. I XXXX XXXX XXXX have the right to make sure my private information isnt shared which rd is found in 15 USC 6801 which states its the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Furnisher of information to credit agencies : is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that : In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. The Financial institutions and the Consumer reporting agencies XXXX, Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Equifax and XXXX, ( Furnisher of information to credit agencies ) wether it be verbal, non verbal, written implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that : A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. A person shall not furnish any information relating to a consumer to any consumer regarding agency if the person knows or has reasonable va de to believe that the information is inaccurate 15 USC $ 1681s-2 A.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 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 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 explanation
Consumer complaint received 2015-12-01
Company: PNC Bank N.A.
State: FL
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Deposits and withdrawals

Complaint:
I received a corporate personal check from my company, which is a national company that uses PNC. I do not have an account with PNC. When I tried to cash this {$27.00} check the teller said their would be a {$10.00} fee. I do understand administration cost maybe $ XXXX {$5.00}, but {$10.00} is robbery. Good thing I did not need the money, so I deposited it into the bank I use locally. I also have XXXX other banks I use. So how I look at this, XXXX I would never use PNC for any banking in the future or open an account with them and second how about people who do not have much money and that {$27.00} would mean food on the table or gas money to get to their job. I look at this as no more as cooperate Bank greed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: SUNTRUST BANKS, INC.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted SunTrust to refinance my mortgage. The loan officer informed me that I could take advantage of their portfolio  loans, which do not have mortgage insurance, but have very stringent requirements to obtain the mortgage. You need to have a salary in excess of {$150000.00} and {$100000.00} in reserve assets, among other items. I told the loan officer that my salary is less than {$150000.00} and I had less than {$100000.00} in reserve assets, but he assured me SunTrust could work around the requirements. He then billed {$940.00} to my credit card for a home appraisal and to obtain condo documents. Several weeks later, the loan officer told me I do not meet the requirements for the loan and asked for more than {$20000.00} in additional cash to post as reserve. As I stated from the beginning, I do not have such extensive liquid assets and so can not qualify for the refinancing. SunTrust has refused to refund my money that it charged for loan product that I did not qualify for from the beginning. Perhaps I am naive for believing the assertions of the loan officer, but he told me repeatedly " not to worry '' and that they would " figure it out. '' Now I have lost nearly {$1000.00} and the loan officer says he can not help 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 monetary relief
Consumer complaint received 2018-11-21
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been deferring my payments with forbearance for a couple of years now. I haven't been able to afford the payments asked of me by Navient and STILL can't. 

When I tried to extend the forbearance in XXXX they told me I wasn't able to anymore. 
When I told them I can't afford the payment they're asking of me which is {$580.00} a month they told me they would give me a one-time " courtesy '' deferment which they then dinged me on my credit report for. 

I applied for income driven repayment plan through XXXX as advised by Navient and on XX/XX/XXXX I received a response saying my payments have been lowered {$440.00} a month beginning on XX/XX/XXXX. 

I STILL CAN NOT AFFORD THIS. 

Navient refuses to work with me to get me to a more affordable repayment plan. They're only considering my income and not my monthly expenses including rent, car payment, medical bills, credit card debt and living expenses. 

I am at a loss at what to do here. I can't afford this and the company has no sympathy in working with me to come to a solution I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
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:
This account was never late and the Credit Bureaus was reporting inaccurate information on my Credit File. There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. The account XXXX XXXX with Balance Owed : {$0.00} and Date Opened : XX/XX/2020, is reporting inaccurate information. I have been sending letters to the Credit Bureaus regarding this matter and that the Credit Bureaus must confirm the validity of the account in question by conducting an investigation and correct any errors on my Credit File. But despite all my effort to establish a contact with the Credit Bureaus, they seemed to not care at all. If the Credit Bureaus do not take the matter I am disputing, well I do! As a consumer, I have the rights to request an investigation and correct my Credit file. I am exercising my rights by submitting this complaint and I am looking forward to see the Credit Bureaus correct my Credit Report as soon as possible.

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 2021-07-10
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was a past XXXX Customer and did not like the service. The salesman who knocked on my door said if he got my business, the company will give me a {$200.00} gift card. 

I have financed the outdated material they gave me for {$600.00}, now they sent me a collection notice of {$930.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Dispute date XX/XX/23 confirmation XXXX still open Dispute over 30 days ... Dispute date XX/XX/23 confirmation XXXX shows open Dispute no results over 30 days I have not seen any results. XXXX XXXX  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 explanation
Consumer complaint received 2023-08-10
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: Their investigation did not fix an error on your report

Complaint:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811i ( 5 ) these accounts are in violation of not reporting 100 % accurate information. 

The credit reporting acencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under USC 1681i ( 7 ) Method of verification - description of investigation procedure In Accordance with the fair credit reporting credit reporting agencies and and the accounts listed have violated my rights. The reporting companies are also not showing the full account number for each associated account. 

15 U.S.C 1681 Section 602H states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-07-16
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: Information belongs to someone else

Complaint:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX, XXXX, M ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} ; XXXX Balance : {$700.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$110.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX  XXXX Bankruptcy Reference # XXXX : XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
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: Information belongs to someone else

Complaint:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX, XXXX, XXXX ; XXXX, XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} ; XXXX Balance : {$700.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$110.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX  XXXX Bankruptcy Reference # XXXX : XX/XX/2017.

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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On my credit report for TransUnion and XXXX, it is still showing a student loan balance, however, my loans were forgiven by the XXXX XXXX effective XX/XX/2023. The balance for my loans need to reflect {$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