BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-12
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-01
Company: Experian Information Solutions Inc.
State: AR
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 is reporting two collection agencies trying to collect on a fraudulent debt that is not mine.XXXX XXXX is reporting a debt to Experian for {$790.00}. XXXX  XXXX is also trying to collect on the same fraudulent debt for $ XXXX.The original creditor is XXXX on both accounts.I have asked experian to remove both collects as they are fraudulent and duplicate accounts.Please Help.

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 2018-01-01
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX XXXX XXXX was suppose to be receiving payments under a debt program at a min payment of {$20.00}. The program messed up my payments and XXXX XXXX triggered an end to the program I was paying under and negatively reporting late payments to the credit score agencies when the account is up to date receiving payments.

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 2019-05-24
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was made aware of a negative mark on my credit profile on XX/XX/2019 claiming that I owe {$490.00} to Credit Collection  Services for an unpaid car insurance bill from XXXX. 

I sent a certified letter on XX/XX/2019 asking for them to verify the account in my name by providing a contract bearing my signature, as well as, the method in which the used to verify the debt. Upon receiving the letter back, all I got was a bill and them stating this was verification but the Fair Debt Collection Practices Act and the Fair Credit Reporting Act do not view that method as true verification. 

I have wrestled with them for the past few months and they continue to send bills requesting a payment instead of providing me with some sort of verification to validate that the debt is mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Experian Information Solutions Inc.
State: TX
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:
sent to XXXX, XXXX and exp they all taken more than 30 days

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 2019-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
sent to XXXX, trans and XXXX  they all taken more than 30 days

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 2020-09-15
Company: Conduent Incorporated
State: TN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I havent received my Way2Go card in the mail yet and already submitted an other complaint and they resolved it by sending me another card that will be here tomorrow but I was wondering if I could get you all to rather just take the balance thats on my Way2Go card and deposit it into my direct deposit account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
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:
The following accounts were on my credit report as Charge off with balance : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.. the payment history of late payments are completely inaccurate, and lacking.. I paid the account in full, no balance ... Date of last activity is also not correct. So many errors! CFPB step up and remove this listing

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: U.S. BANCORP
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: Investigation took more than 30 days

Complaint:
I have a RV Loan with US Bank that was initially in XXXX. In XXXX, US Bank offered its clients the option to participate in a COVID-19 deferred payment plan. I participated in the plan for the months of XXXX, XXXX, XXXX and XXXX. At the moment clients are enrolled in the plan, I was not notified that it would withdraw me from the automatic draft. As a result, a late payment in XXXX is being reported on my credit file as well as late payments for XXXX, and XXXX of XXXX. I was equally disturbed that my credit file indicated that a late payment was reported 30 days late for the same month of XX/XX/XXXX. For me, this was is a concern, as it is not possible to be 30 days late within the same month. Indeed this represents an error. 
I was enrolled in the automatic draft ACH payment and was told, US Bank was unable to process a payment in XXXX, XXXX. US Bank indicated that they made an attempt to contact me via phone as this dis-enrolled me in the automatic draft system. US Bank did not indicate the reason why the draft was not completed, and also did not suggest or prove that it was due to insufficient funds. I did not receive a call, nor did I receive a letter that I was not enrolled in the plan and as such, US Bank did not withdrawal the proper payments from my account and thus reported my account as being late to the credit bureaus. US Bank indicated, that they sent mail during the pandemic, however US Mail delivery options were often reduced, limited, mis-delivered, or any mail not sent via certified is not guaranteed delivery during the pandemic. 

Attempts to contact US Bank during the height of the pandemic were met with multi-hour wait times, call disruptions, disconnections or being transferred to multiple specialist with further call cancellations. As of XX/XX/XXXX, I had to call and request a digital copy of the deferment 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
Consumer complaint received 2021-08-04
Company: TD BANK US HOLDING COMPANY
State: CO
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:
called Target card services end of XXXX, beginging of XXXX requesting Covid assitance. was told XXXX payment would be waived, and next payment due XX/XX/2021. Advised rep that i would pay account off end of XXXX. rep stated that was fine, but would have a late fee if not paid by due date. was also advised by rep that payment would need to be paid prior to XXXX due date to not be reported late. Payment made XX/XX/XXXX, paying account off. received notice in XXXX account was reported 30 days late for XXXX payment. Target refused to correct the error even though payment was paid within 30 days of due date. also still reporting balance due on credit reports, and late when XXXX statement shows payment paid, {$0.00} account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XX/XX/XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX US DEPT ED XXXX XX/XX/XXXX US DEPT ED XXXX XX/XX/XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX US DEPT ED XXXX XX/XX/XXXX US DEPT ED XXXX XX/XX/XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX US DEPT ED XXXX XX/XX/XXXX US DEPT ED XXXX XX/XX/XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XX/XX/XXXX US DEPT ED XXXX XX/XX/XXXX US DEPT ED XXXX XX/XX/XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XX/XX/XXXX US DEPT ED XXXX XX/XX/XXXX DPT EDXXXX XXXX DPT EDXXXX 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 2022-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/2021. And now we are in the month of XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Due to the XXXX security breach in XXXX XXXX, I have no other option to protect my credit and my identity than to place a credit freeze with XXXX, XXXX, and TransUnion. Theses bureaus charge a fee for the freeze despite the fact that they are profiting off of my personal information and fail to protect it. These agencies should not be allowed to profit from their own failings and inability to protect consumer data.

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 2020-02-13
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Specialized Loan Servicing took over servicing my business loan XX/XX/2019. They didn't have my proper EIN number so they started reporting under my SSN. I contacted them multiple times to have my EIN number updated. Finally in XX/XX/2019 they updated the correct EIN number. I have since contacted them requesting them to contact the credit bureau 's to delete the false reportings under my SSN number. They haven't done this and now when I am trying to refinance my house these loans are showing under my personal credit report and it's affecting my ability to refinance.

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 2020-02-13
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
There were 2 dubious accounts on my credit report and I initiated a dispute process on XX/XX/2019. XXXX, XXXX  and Experian failed to provide me the method of verification of how they verified this dubious and false information. 
All I want is for them to remove this incorrect information from 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 2017-07-12
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I started at XXXX XXXX XXXX in 2002 in XXXX VA. They made me use my parents income even though I did n't even live with them. Some how I ended up with 4 separate loans and I had no ideal what I was getting myself into back then. The loans went to XXXX first which is the company that used my social security number to obtain a loan through XXXX XXXX XXXX without my permission. They took that money and paid the government loans off and began adding interest. After several years they passed the loans onto Navient and added more money.Now Navient is telling me that I still owe the government and that As of now I owe them XXXX in accrued interest. And every payment made has to go to the interest and fees first before the principal amount that was originally borrowed. Thats so that they will still have a large loan amount to add interest to because if the loan amount were smaller that would be less interest for them to add. It is totally unfair to have to pay Navient XXXX for money that I did not borrow. I 've ask Navient for a copy of the promissory note that they claim I signed but I still have not received any proof. Also I called XXXX XXXX College for proof and they have changed names since 2002 and do n't have any information on me because they said that they did n't scan documents back then but they maybe able to find something signed in some storage place where they send old files but maybe not. It 's a complete scam from both XXXX XXXX and Navient and XXXX. They are trying to collect money that is n't owed. I dont know what to do! I need help with this to get these loans removed and to file a law suit if possible. And as far as XXXX taking a loan out with XXXX XXXX XXXX with my Social Security Number is complete fraud. They said it was an electronic signature. I bet it was because It was n't me. If it takes giving this degree back to XXXX XXXX College thats fine with me. It 's useless anyway since they 've changed names twice and ripped so many people off. I have never once use the so called degree. I just want my life back. At this point I ca n't get a car loan or a home loan do to my credit being destroyed by these schools loans. If I owe XXXX in accrued interest that is the same amount of my fourth loan with Navient so Technically I should n't have a fourth loan. I 've paid what I owed over these 15 years a long time ago. Please help me prove that Navient XXXX and XXXX XXXX College have committed fraud against me and probably many others. Thank you for any help that you can provide and God Bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I hire Wellsfargo to do my payroll, I sign a Service Agreement with them, they were to provide all payroll services, such as filing my W4, quarterly report, Unemployment insurance from XX/XX/XXXX to XX/XX/XXXX.  Wellsfargo did not file my unemployment insurance tax, which cause Minnesota Department Revenue to levy my bank account. Wellsfargo stop doing business payroll in XX/XX/XXXX, which XXXX were to take all their clients, but I was not giving that same opportunity to do so because XXXX did not want to handled my payroll. I was not able to get passed nor current employees their W2 's. I feel Wellsfargo have cause me hardship. Listed below is what it would take for Wellsfargo to correct this problem is.

1. To file all unemployment back taxes 2. File my W2 for all passed and current employees 3. Pay any outstanding balance that occurred out of them not filing the my taxes on time.

4. I am asking Wellsfargo for a monetary settlement of {$75000.00} to settle this complaint.

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 2019-10-07
Company: J J Marshall & Associates, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
JJ Marshalls & Associates Reported XX/XX/2019 I spoke with Associate XXXX XXXX and provided him with valid police report and affidavit of identity theft to remove account and he still disregarded the claim and did not take my case serious. I also responded within 30 days of the first initial notice asking for evidence and disputing the status and they still put the fraudulent account on my credit report breaking rules of the Fair Debt Credit Collection Act.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: EQUIFAX, 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:
There are two collection accounts on my credit report that I have disputed several times through the credit bureaus, directly with the collection agency and through the Better Business Bureau. Each time it comes back verified but they have failed to provide proper documentation that supports their claim. They are in violation of the Fair Credit Reporting Act by reporting inaccurate information and in violation of the Fair Debt Collection Practices Act by not validating the debt. <P/>The accounts are as follows : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: NCB Management Services Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
{$1900.00} Ncb Management Services XXXX XXXX XXXX  XXXX XXXX  Due to inaccuracies in these credit reports, ( XXXX  & XXXX ) i demand that the validation i hereby request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally. 
Please be advised that I am request competent evidence that I had some contractual obligation in relation to the tradeline. 
Within 30 days of this notice, either answer these demands or remove the associated negative tradeling notations from these credit reports. 
Continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for formal complaint being filed pursuant to federal statute.

Company response to consumer: Closed with explanation