BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX  : notice wrong amount for Primary Mortgage balance with XXXX XXXX. Reporting states {$260000.00}. Updates balance is {$250000.00} XXXX  : Same with XXXX. Wrong balance reported. Should be {$250000.00} Transunion : Same with Transunion. The XXXX XXXX Primary Mortgage ( not ELOC ) balance should be {$250000.00}

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 explanation
Consumer complaint received 2022-01-12
Company: EQUIFAX, 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:
On : XXXX XX/XX/2022 XXXX XXXX denied me for the Second Time a Credit Limit Increase, on my XXXX XXXX XXXX XXXX Credit Card, just because I had a Couple of Months, using their Credit Card, by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX ss # I am writing today because there are inaccurate reports on my credit. I tried to have them investigated by a repair company only to have them add the erroneous companies back to my report changing the days to the current date as if the account just happened. It feels like I'm getting punished for looking into the errors. I'm also contacting the Consumer Financial Protection Bureau ( CFPB ) for help resolving this matter. Below, is the list of erroneous reports. The reason I'm calling them errors is that the days aren't correct, they are the original debtors, and I have no way of knowing who or what I owe. Thank you for your attention in these matters.

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 2023-09-26
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I received an email from Nelnet on XX/XX/XXXX saying I qualify for a 90 forbearance on my loans, due to being in a natural disaster area from the Hurricane in XXXX, FL. The email stated to respond if I wanted to opt in, of which I did respond the same day I received that email. It is currently XX/XX/XXXX  and I never received a response for forbearance and my account still shows as owing my first payment on XX/XX/. This puts me in a terrible spot as I am going through financial issues and was relying on this forbearance and did not realize that their system would be this messed up. I have been attempting to call them but I have been stuck on hold for hours with no one picking up. I submitted an email to Nelnet as well to no prevail. 

I am afraid their incompetence is going to force me to pay on XX/XX/XXXX with money I don't currently have. 

I also understand their email stated they'll review it and approve it if " I'm eligible '', however I never received a follow up response and my account does not show any status updates from this, which leads me to believe that it was never looked at.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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: Reporting company used your report improperly

Complaint:
XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} In good standing with XXXX XXXX XXXX LATE PAYMENT ( XXXX ) Balance {$0.00} Balance updated XX/XX/XXXX This should be updated to reflect in good standing across all credit Bureaus XXXX XXXX XXXX XXXX I also have contacted them many times about removing my membership they continue to ignore my requests and continue reporting incorrectly. Putting my credit score in peril without my consent. 






XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Complaint : Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. 

XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. 

XXXX XXXX XXXX XXXX- I did not authorize this Inquiry. I did not give them a permissible purpose. Please remove from my credit report with XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29
Company: EQUIFAX, 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2022 I submitted a complaint to the CFPB in regards to the inappropriate communication practices of Portfolio Recovery Associates ( PRA ). At this time, they were violating my rights under the commerce and trade us code, Including contacting me regarding an alleged debt WITHOUT obtaining my prior consent. For which they never provided proof of my expressly written consent.

Furthermore, despite agreeing to CEASE ALL COMMUNICATION, please find the attached proof of their continued communication efforts. PRA has no respect for their agreement made via the CFPB complaint portal. PRA CONTINUES TO VIOLATE MY RIGHTS. I demand that ALL COMMUNICATION FROM PRA IS CEASED AT ONCE AND THE ALLEGED DEBT FOR ACCOUNT ENDING IN XXXX IS REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30
Company: Union Home Mortgage Corp
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Made mortgage payment XX/XX/2021 full amount on time via my online bank bill pay. XXXX XXXX XXXX told me they received my payment and then returned it, XXXX XXXX XXXX, by accident and all late fees for XXXX would be dropped because they XXXX XXXXXXXX XXXX shouldn't have returned my payment. 

However, XXXX 2021 mortgage payment was not returned to my bank account as XXXX claims. I sent XXXX the ID trace # for this missing XXXX 2021 mortgage payment so they could it trace payment all the way back to the federal reserve. I also provided XXXX my bank statement for XXXX 2021 to help XXXX find my XXXX 2021 mortgage payment. 

XXXX is now saying that they received the payment and that my bank XXXX XXXX XXXX XXXX did not honor the XXXX 2021 mortgage payment and it was returned to my account. XXXX XXXX says this never happened per review of my XXXX 2021 bank statement it shows mortgage payment was received and paid in full. 

I have disputed XXXX claims and have been unable to get the help I need to resolve this " missing XXXX 2021 mortgage payment '' plus late fees. I would like my payment found and returned to me asap. 

Even though I have provided the trace id number and bank statement for XX/XX/2021 mortgage payment XXXX continues to put me off. Instead of following the facts XXXX says my payment was dishonored by my bank yet they provide no explanation or proof for this claim.

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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX, are verifying that I, XXXX XXXX XXXX is mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-12-20
Company: Army and Air Force Exchange Service
State: FL
Product: Credit 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:
I currently have a store credit card with Military Star AAFES with a limit of {$2500.00}. My last balance of XXXX was paid in full by my bank with my authorization on XX/XX/2023 this was after paying XXXX on XX/XX/2023. On XX/XX/2023, I noticed that I over paid XXXX and I immediately contacted customer service. They informed me that a check for XXXX would be mailed to me on XX/XX/2023 and I would receive it no later than XXXX week from that date. XXXX  is the XXXX and I have yet to receive this check for XXXX. I again called customer service on the XXXX to try to get the matter resolved and they are now telling me to email military star to ask when my check will be sent out. Customer service should have handled this problem and I am now getting the runaround.

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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-04
Company: ERC
State: UT
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:
Enhanced Recovery Collection/XXXX  # XXXX is reporting a collection to my account that is in error. I have repeatedly tried calling, emailing and attempting to contact them to pay it before the account ever went to collections, however nobody will help me when I can get a hold of them and no one is calling me back. I am trying to pay this and am unable to contact someone in order to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
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: Account status incorrect

Complaint:
Good afternoon - I had filed complaint # XXXX. I missed the deadline for any updates. XXXX XXXX XXXX is still showing my payment status is delinquent even though Experian had said they will be updating this.

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 2018-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Problem with personal statement of dispute

Complaint:
I attempted to obtain a home loan and because I had some medical accounts showing as in dispute, I could not be approved. In numerous occasions I contact XXXX and Transunion, via phone, fax and document upload directly on their site to inform accounts were no longer in dispute. I spoke with various representatives who either said they showed no disputes open or would put in a request to have remove dispute marks from accounts. I have waited months and my report still shows dispute remarks on those account. Unfortunately, I was unable to purchase a home for my children and me because of this.

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 2022-01-12
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company LVNV continuously keeps obtaining my information illegally and fraudulently and damaging my credit constantly contacting me making threats and impersonating someone else this is not the first time this company has done this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: TX
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
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:
Hard inquiries reporting on my report. These items arent mine and I dont have any Knowledge of the companies such as XXXX XXXX XXXX XXXX services, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We opened an account with Citibank two weeks ago and it has been a whirlwind of a nightmare to say the least! First of all I deposited a check to savings and it was flagged I spent two days trying to straighten it out from calling the person who gave me the check to call them, to two people from the accountant department of establishment that provided the check. I called a total of 11 times asked to speak to supervisors was hung up on several times was told they werent available.finally got a supervisor and asked her what else I can do to fix the problem and asked her why she froze my checking account when the check was deposited to savings and they hadnt paid anything! and then asked her to just void the check and I will deal with it at a different bank! Her response was it was fraudulent activity and they would continue to keep it locked and move to close the account! Two hours later I called back spoke to someone else and she said that email came through from the maker four hours prior and you should be all set. What! She removed the hold now two days later checking is locked cant get to my funds! I might add that savings isnt affected but funds I deposited four days ago are still on hold! I call three times oh that department is doing maintenance! Call back! I just want my funds and to close it! Thank you! Never once did they even notify us of the problem either time, so we would know not to pay anything! They need to be investigated they are shady! Also never ever had a bank have you tell them your account number and ask you for your pin! your pin is suppose to be protected!

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 2023-09-26
Company: Affirm Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I've opened high yield saving account with Affirm. Inc, deposit {$5000.00} then withdraw into my other bank. They freeze my account right after that for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/2023 care credit closed account after saying payments not paid. 
called before payments processed after getting notice from XXXX about them having issue reported issues to them followed there instructions an had corrected an paid an taken care of today closed account due to two rejections. after i reported issue with them an even got with XXXX an verified money was there. not to mention they waited a week at a time each payment to even try to pull money after was suppossed to with draw another day.

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 2023-06-05
Company: EQUIFAX, INC.
State: SC
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief