BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-29
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:
I, XXXX XXXX, am filing this complaint on my own, with no help from anyone else. My FTC Identity Theft Report and detailed complaint are attached. This notice and compliance are fully authorized by me. My identity theft affidavit has also been mailed to all relevant CRAs. 

I have never approved or given specific written authorization to any 3rd party affiliate CRA to share my data with the following firms ; please be advised that without my consent, you are committing identity theft, and you have no legal basis to do so under 15 USC 1681 : -XXXX opened XX/XX/XXXX - XXXX XXXX opened : XX/XX/XXXX - XXXX XXXX opened : XX/XX/XXXX - XXXX XXXX opened : XX/XX/XXXX XX/XX/XXXX opened : XX/XX/XXXX -XX/XX/XXXX opened : XX/XX/XXXX -CBS XXXX XXXX opened : XX/XX/XXXX XXXX XX/XX/XXXX opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-29
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received correspondence on XX/XX/XXXX from FedLoan in response to my request for TEPSLF forgiveness. The letter states that I am not eligible for forgiveness now because I have not made the required 120 payments. However, when I checked FedLoan 's XXXX Payment Tracking page, I noticed that there are two years of loan payments that are not counted - between XX/XX/XXXX and XX/XX/XXXX - these payments just appear to be missing from my record. 

I consolidated my loans in XX/XX/XXXX with XXXX XXXX XXXX ( XXXX ) and began repayment the summer of XXXX. XXXX XXXX XXXX ( XXXX ) continued as my student loan servicer until my loans were transferred to FedLoan in XXXX. I believe that with these payments counted I will be over the required 120 payments needed to qualify for XXXX forgiveness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: CT
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:
As os XX/XX/2023 my student loans have been discharged by the department of education on the basis of my total and permanent XXXX. 

I do not have any student loans therefore, I would like them removed from all credit bureaus/ or show a XXXX balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-29
Company: Experian Information Solutions Inc.
State: GA
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:
Due to the the pandemic, i wasnt able to work because i contracted COVID. Called my creditor and advised them of the situation. Creditor adivesed me that i was going to be place on a deferral from XXXX to XXXX when i viewed my online banking and credit report i seen that i was past due in XXXX, but the rep told me my payment wasnt due until XX/XX/2021 advised creditor, failed to investigate the matter and this gave affect my refit 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 2018-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX with no successful resolution. ( Bureau ) only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
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:
I ordered a copy of my report in XXXX dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within XXXX XXXX. Please check payment history, date open, last activity and account status. I believe it was reporting in error. 
XXXX XXXX  XXXX Balance Owed : {$15000.00} ; XXXX XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX Balance Owed : {$9600.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX Owed : {$3500.00}.

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 2023-10-20
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023

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 2020-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
XXXX  XXXXXXXX XXXX XXXX - XXXX - and the credit bureaus are reporting inaccurate information as well as they are in violation of the Bankruptcy courts - the Automatic Stay! 
This account was included in my DISCHARGED bankruptcy yet they are still reporting monthly, damaging my credit and reporting a balance! 
I am notifying my attorney and the next correspondence will be from him.

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 2021-06-21
Company: TD BANK US HOLDING COMPANY
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: Account status incorrect

Complaint:
Over the last several months I attempted to resolve inaccurate reporting by this organization. I have made several calls and reviewed my payment history with the organization. Each time ended in no resolution. Payments were made in excess of the the minimum amount and account was paid in full and is still showing a balance. The final payment was cashed in XX/XX/2021. The organization acknowledges that payment was received and still reported late payment. I have disputed this account twice on the XXXX  site and still have no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
My Previous Complaint XXXX After sending TransUnion LLC XXXX XXXX and XXXX my information twice they are refusing to let me verify my own identity. XXXX has acquired and are furnishing incorrect information and fraudulent data and fraudulent information participating in willful negligence which is stopping me from recovering from identity theft, barring me from financial products and hindering living arrangements due to keeping inaccurate and incorrect old, outdated information on my credit report file, this is my 3 time trying to figure out how has my name, address, social gets changed without me ever knowing and then they not allow me to correct my own information, it's insane!

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 2022-10-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize these inquires XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX  XXXX  XX/XX/2023

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 2022-01-29
Company: U.S. BANCORP
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I been trying to use my us bank reliacard for unemployment i been trying to set up and load for 2 days. We are totally broke and will be till fri which is 6 days away I tried sending transfer over phone, atm app deposit, filing for benefits

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 2022-01-29
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently obtained my EXPERIAN CREDIT report and noticed that they are reporting inaccurate Information in the personal Information section. To protect me from possible fraud and to diminish speculation, below is my accurate Personal Information : NAME : THIS IS MY LEGAL NAME : XXXX XXXX XXXX. 
EXPERIAN needs to delete any other references to Names, as they are not mine and I have never used any of them. 
ADDRESS : EXPERIAN has to make sure that my Address is listed correctly. My address should read : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Hawaii XXXX EXPERIAN needs to remove any other Address and Name Information they are currently reporting, as they are not accurate and could lead to possible Indentity theft and/or fraud.

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 2020-01-09
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Equifax has failed to send dispute results and is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reviewed my credit report from XXXX XXXX and XXXX and seen PORTFOLIO RECOVERY ASSOCIATES listed as a debt collector for XXXX XXXX Bank. 
I called and explained that this is not my account and the address listed was never a used address and this was fraud. I asked them to send me a copy of the signed XXXX XXXX credit card contract with my signature and they told me no. 

Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: MD
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 ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
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:
I submitted a complain with the Equifax regarding the account XXXX XXXX XXXX ( XXXX ) XXXX and the complain was already closed and they will delete this account from my credit report because they are violated my rights. As today I don't see any changes in my Equifax credit report and the account still there. Company responded an closed with explanation on XX/XX/XXXX and says that the account was removed from my credit report. Complain # XXXX Submitted to the CFPB on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
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:
On XX/XX/XXXX, I checked my credit report using XXXX XXXX and saw that I had multiple accounts, credit inquiries, collections accounts and different addresses. Some of them from places I have never lived or know anyone who lives there. Most of them are student loans from Department of Education/XXXX although I have never taken out a student loan. I went to school as an XXXX  student and could not take student loans. I paid for my education out of pocket. These loans have accounts that were opened as soon as XXXX and I have been done with school for at least 5 years now. There are also multiple inquiries and collections accounts from companies I have never received services from or have accounts with. This is the fraudulent information in my credit report ; DEPT OF EDUCATION/XXXX   XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX  XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX  XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX  XX/XX/XXXX, DEPT OF EDUCATION/XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX  XX/XX/XXXX, DEPT OF EDUCATION/XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX   XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: American Financial Network Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Good morning, I'm being approved for the Homeowner Assistant Fund Program since XX/XX/2022 for 17 future payments. Since XX/XX/2022 I'm trying to find where my payments are for XXXX, XXXX and XXXX. Every time I called ; they responded that no checks are arrived. HAF are sending the checks every month and when I contact them, they have the checks for XXXX, XXXX cashed already. This is the first time that the posting of the payments is taking so long. The last time that American Financial Network responded me complain they reply to the following. : Dear XXXX XXXX, American Financial Network , Inc. ( " AFN '' ) sympathizes with any frustration you've experienced with loan payments. Please note that as we previously advised you, your payments are handled by our third-party servicer, XXXX. Their phone number is XXXX. Calling them directly is one possible way to get current information on your payments. 

When I called the number, they gave me is American Financial Network, so I don't understand why they are saying that is XXXX. I can't communicate with XXXX by phone or email only with American Financial Network.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
There is an unauthorized inquiry on my credit report from XXXX XXXX on or around XX/XX/2019. I did not give XXXX XXXX permission to pull my credit.

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 2019-05-13
Company: Experian Information Solutions Inc.
State: MI
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:
sent disputing letters about getting old items that keep reappearing on my credit report. since then the credit bureaus have not responded back to me in 30 days. Today i sent my non response letter to the credit bureaus hopefully they respond back sooner and removed these items. i sent letters to Experian on Tuesday XX/XX/2019. XXXX Tuesday XX/XX/2019 and XXXX XXXX Wednesday XX/XX/2019 2019

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 2023-08-15
Company: EQUIFAX, INC.
State: WA
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