BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$160.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my 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 2019-05-09
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Account information incorrect

Complaint:
Nissan Motor Acceptance continues to report a loan to the credit reporting agencies with the wrong late payment dates. This account is too old to be report but nissan incorrectly reports repo and late payment dates to ensure the account is not deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
we just got just 2 situation that all i need to be clear. 
first i call they told me. that the XXXX XXXX XXXX  account is not showing on my report. that it was deleted. bout i do have membership with Transunion credit monitor service. they told be it was of my credit and i pull my credit report and it still show only and on my report. request this account to be deleted like it was delete. 
2 they told they will delete all this inquiries. that i have attach ones they get the document from FTC they have it more then one month ago. THEY STILL HAVE NOT REMOVE THOSE INQUIRIS. 
THIS IS ALL I NEED TO GET CLEAR. MO MORE NO LESS. 
HERE COPY OF MY CREDIT REPORT FROM TRASNUNION SHOWING THAT THEY STILL HAVEN REMOVE THIS INFORMATION. 
IAM A VICTOM OF XXXX XXXX BREACH...

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 2019-10-03
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
NelNet refuses to properly apply my principal reduction payments on my student loan. Every month I make payments beyond the minimum payment due, and generally pay ahead by at least three months. 

On XX/XX/XXXX, I was paid ahead until XX/XX/XXXX. I made a {$1000.00} payment and checked the " do not advance due date '' box. My understanding was that the {$1000.00} would go directly to principal. 

On XX/XX/XXXX, I made another {$600.00} payment. I again checked the " do not advance due date '' box. 

On XX/XX/XXXX, I logged into my account online, and saw that, of the {$1000.00} XX/XX/XXXX payment, {$150.00} was applied to interest rather than principal and, for the {$600.00} XX/XX/XXXX payment, the entire amount was applied to interest with XXXX going to principal. Again, at the time of the payments I was paid ahead by five months. 

On XX/XX/XXXX, I spoke to two NelNet representatives - a customer services representative and a supervisor named XXXX. The representative informed me that NelNet does not allow principal only payments, even when a person is paid ahead. I questioned the legality of that practice and asked to speak to a supervisor. The supervisor XXXX confirmed that NelNet does not allow principal only payments, even when a person is paid ahead. 

NelNet 's refusal to properly apply my principal reduction payments obviously benefits them as they charge more interest. Over the last twenty years, I have taken out car loans, mortgages, and other student loans -- I have never before been refused the right to make principal only payments when I am paid ahead of my monthly installment payments. I find NelNet 's conduct particularly egregious given that the company services federal student loans, which are purportedly in existence to help finance the education of Americans who, like me, otherwise could not have afforded the cost of tuition and who have struggled for years to pay off student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: MS
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:
When I investigated my credit report, I realized that some of the information was erroneous. 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Asset Collections Inc
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company states I owe a debt. I was traveling and they could not reach me. They contacted atleast 3 other people Daily that I  know and told them they were collecting a debt, How much the debit was and the company they are collecting for. Attached please find a voice message left for one of those people. They call these people daily. 
I will be contacting them today but it is illegal for them to contact others and state they are a debt collector and give them all of the debit information including amount client and saying they are a debt collector

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I was looking over my emails when I noted a message from TD bank that informed me that my account was ready for my first deposit. The account had been opened yesterday, XX/XX/2023 using my email of XXXX. I had not opened a new banking accounts and did not use my email and evidently the account was opened using my social security number. There had been no deposit as of this morning XX/XX/2023. I called TD bank as soon as I saw the bank notifying me that my account ( per-se ) was ready for my deposit. I had not known of this bank or its name until today. TD banking has closed the account opened in my name and my social security number. The account was immediately closed and I was informed by TD bank that my identity had been stolen. The bank has sent a notice to their customer fraud account. I was informed that I would receive a letter in the mail giving me information as to the fraud and that TD bank does an investigation as well as reporting this to consumer crediting monitoring that the bank has for such instances. I was directed to file a report with the FTC that lead me to this site to report stolen identity. TD banking has given me a year of free credit monitoring but also recommended that I purchase an account elsewhere for credit monitoring as TD bank took a few weeks to start. I notified my husband of this occurrence. If needed I have the last four numbers of the checking account whereas I had my identity stolen. The TD banking was helpful and informative. I was also was told that it would be a good idea to close my aol account to further more protection. I never give out my social security number or show the card to anyone except the IRS or if I am at the SOCIAL Security office so I am at a loss to understand how this can happen but TD bank said there are more than 10,000 identities per month in the United States.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19
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:
I have several medical bills from XXXX XXXX hospital which are in collection with XXXX XXXX XXXX. I have no medical issues, ive never been to this hospital and tjis bills are on my credit. I have dispuyed them several times along with a utility bill and several inquires on my credit that are UNAUTHORIZED by me. The credit bueraus always return the dispute VERFIED but i dont know who or where they are verifying this belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11
Company: Experian Information Solutions Inc.
State: MA
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:
My wife and I have two mortgages with XXXX XXXX XXXX XXXX XXXX Bank, headquartered in Massachusetts. Approximately 16 months ago, following confirmation of a Chapter XXXX, plan, we agreed with the bank for monthly loan repayments of {$12000.00}. Since that time no monthly payments have been missed. Yet, the bank has reported to the credit bureaus delinquencies of 30 to 60 days. Of course, this has reduced our credit scores significantly. And made it impossible to get a new credit card or an auto loan.

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 2023-07-06
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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting Act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX - {$3400.00} - IDENTITY THEFT 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX  XXXX Balance : {$26000.00} XXXX  XXXX Balance : {$23000.00} XXXX  XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$26000.00} XXXX  XXXX Balance : {$23000.00} XXXX  XXXX Balance : {$26000.00} XXXX  XXXX Balance : {$23000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: EQUIFAX, INC.
State: GA
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 a victim of fraud, I have fraudulent accounts and fraudulent addresses on my credit report that I dont recognize nor did I authorize!!!! Ive sent a identity theft affidavit along with docs verifying my identity and Ive called 5-10 times and counting and the three credit bureaus refuse to remove the fraudulent accounts and addresses on my credit report dispute the fact that I have provided all the documentation they requested!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: DISCOVER BANK
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This company has continuously reported inaccurate information on my consumer report. They intentionally reported a charge-off on my consumer report when it is in fact considered income. According to The IRS, they clearly defines a charge-off as Gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting a charge-off on my account inaccurate! I have contacted this company several times to delete this inaccurate account from my consumer report, but they constantly refuse to correct their unlawful behavior. It has damaged the character of my consumer reputation and I will be seeking remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: FIRST MIDWEST BANCORP, INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/2016 The Midwest Bank had made several unapproved withdrawals from my bank account # XXXX XXXX ex XXXX, XX/XX/2016 and transferred it to the Department of Education for a student loan on XX/XX/2016 thru XX/XX/2016, @ {$78.00} per month totaled @ {$390.00} without my approval ;

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 2021-12-27
Company: EQUIFAX, 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:
This is XXXX XXXX filing this complaint for false reporting misleading information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
TransUnion is showing that I have 22 Hard Inquiries on my report. 
Please remove XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX Some are multiple inquiries from the same company within a small time frame. It's negatively impacting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Resurgent Capital Services L.P.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 
Please send the following information used to validate the validity of the invalidated items below Items Highly Requested 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The Valid documentation used to validate the dispute.

5. Also, the procedures your company have in place to ensure each account is 100 % correct which i doubt.

6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY {$1000.00} per VIOLATION YOU ARE COMMITING.

In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right under FRCA and pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2019-10-03
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2019 my credit card company sent me an email saying that new credit cards were mailed per my request. I called them and said that I never ordered new cards. They cancelled the credit card number and no fraudulent charges were made. They issued a new card to me and instructed me to file a police report. The police department instructed me to file a fraud alert. Unbeknownst to me this fraud alert would prevent me from getting a mortgage that I had applied for. I called all 3 credit bureaus to remove the credit freezes on my accounts and remove the fraud alert. This required hours upon hours on the phone and faxing confidential information trying to resolve the issue. I had to continue to work with only one mortgage company and was not able to shop for a better interest rate. They were finally able to get two credit scores and the mortgage went through, albeit at almost .50 % higher than prevailing interest rates. On XX/XX/2019 I received a letter from Experian. I am a college educated professional with 40 years in the Financial Services industry but I am not able to discern what the letter is telling me. There is no phone number on the letter so there is no way to call them to ask questions. I tried their website for help and had no luck. I tried various toll free numbers from the internet. None of them were helpful and it was impossible to reach a live representative. I can't even mail something to them because I don't know what they their letter means so I don't know what to mail them. A couple of weeks ago I had a similar experience with XXXX. Although I was able to speak to a representative they said they could only remove the fraud alert if I mailed in a letter, because I don't have access to a fax machine, with a copy of my social security card and driver 's licence. I am reluctant to do that because it is possible that this information can get lost or stolen. It is unconscionable that the credit bureaus are able to hold the public hostage in this manner. I am at my wits end.

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