BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-29
Company: Army and Air Force Exchange Service
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a serious problem with AAFES credit card, called Military Star. I obtained credit card and was making payments without any problems. I lived in XXXX   at the time and since then, moved to XXXX. I traveled to a navy base in XXXX in order to continue making payments. My account does not show on their system. I called AAFES in XXXX, and they said, i had to send them a letter via mail. After I did that, I was told the account did not exist. 
So, a year later, I have not being able to pay my card because it would not be accredited, nothing else was mailed to me and suddenly, on my XXXX report only, AAFES reported my account as charged off for lack of payment. 

The system at AAFES continues to not recognized my name and social security number. They say that the number is the one I used at beginning and in XXXX, but I still can not find it on their system and is impossible to pay.

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 2019-12-27
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 was made aware of some accounts that do not belong on my credit report today XX/XX/19 because I was denied from opening a XXXX XXXX credit card. I did not open any of these accounts and I have never given anyone permission to open an account in my name with my personal information. I have no idea who could have stolen my information top open these accounts and I have already reported this to the police. I did not benefit anything from these accounts that were opened without my permission such as money, goods, services or any other benefit. I also do not have any written/verbal contracts with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, I mailed a dispute letter to XXXX asking them to remove collection account, XXXX XXXX XXXX, from my credit report AND to verify that the debt. I requested that they send me the name, address and phone number of the person that verified the debt. I asked them to obtain physical proof, because I have no knowledge of this company. The dispute result came back as " verified '', but with no validation or verification. I am desperately trying to buy a home and this is keeping me from that goal.
I do not and I have never had a contract with this company. I am not liable for this collection.

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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 a 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 if 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 2019-05-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Usaa sent a repo agent to my work. Repo agent used his Rottweiler as a weapon to intimidate me. Dog was lunging and aggressively barking at me putting me in fear of my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: Premier Student Loan Center
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XX/XX/XXXX I was contacted by Premier Student Loans. They explained to me that they could help me reduce my student loan amount using federal programs. Since I am on social Security XXXX it was determined through Premier that my loans would be reduced to {$8000.00} from approximately {$160000.00}. My federal student loans had been consolidated through XXXX XXXX XXXX but I was not making payments due to a deferment. Most of my work was via phone but I have several emails from Premier, one of which is an approval by XXXX XXXX  to accept this new program. Premier told me that I would pay an initial 4 payments of {$240.00} for fees for their service in helping to set up my new repayment program. After the initial 4 payments I was to pay {$30.00} a month through a credit card. I made my first payment of {$240.00} on XX/XX/XXXX. I began making my {$30.00} payments XX/XX/XXXX to Premier. I was told that in 10 months I would receive paperwork to confirm that my financial status was still the same. During this time I continued to receive statements stating that I owed {$0.00}. Premier explained that this would happen and that I did not have to pay XXXX because I was on a new federal program. 
After 10 months I received a renewal form to confirm that I still qualified for deferment. I was confused by some of the repayment questions regarding what program I was on. I contacted XXXX to determine how I should answer as to what my program was officially called. XXXX  informed me that they had no information regarding Premier and that there was nothing in my records to confirm that Premier ever contacted them. XXXX  explained that I was on a financial deferment ( however interest still accrued ) through them. The person I spoke with told me that there were many fraudulent companies and that I needed to contact Premier. Concerned, I contacted Premier only to get a prerecorded message stating that the company was temporarily suspended and was being sued by CFPB through several states. There was no way to get a hold of anyone. 
I also contacted my credit card company to stop all payments to Premier. In reviewing my credit card statement I found that after Premier was suspended I was still charged {$30.00} but this time through a company named XXXX XXXX   XXXX. I have instructed the credit card co. to stop all automatic payments to either company. I have filed a claim with the credit card but at this time they have denied the fraud charges. I am waiting to get a letter of proof confirming that XXXX XXXX was never contacted by Premier and that no payments have been made to them.I am also working with Senator XXXX XXXX XXXX office in Connecticut.

Company response to consumer: Untimely response
Consumer complaint received 2019-12-29
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:
The XXXX  XXXX  collection is inaccurate, this is from an issue from late XXXX. Was under XXXX  XXXX XX/XX/XXXX. They keep transferring to another collection to affect my credit report more, with inaccurate dates and as new incident. None of the credit reporting agency did a proper investigation and just dismissed the dispute. They stated they called the collection agency and they said it was accurate. That was it, my consumer rights are being violated. It is fraud and intimidation to repeatedly transfer it just before it is suppose to be removed from the credit report. These collection agency are in the same area and it is obvious. If they looked at my credit report they would see was report XX/XX/XXXX and is not from an incident this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have filed a complaint XX/XX/2022 for identity theft and improper use of reporting credit with Consumer Financial Protection Bureau. I understand that XXXX, Transunion and XXXX assumed a vital role in assemble information on me as a federal protected consumer. XXXX, Transunion and XXXX is impeding the banking system. XXXX, Transunion, XXXX is not invested in ensuring that my credit report is fair and accurate 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). You ( XXXX, Transunion and XXXX ) are impairing the efficiency of the bank system. I have lost confidence in the system because the system is not vested in ensuring accurate consumer reporting. I didn't give permission to report the following information which puts you ( XXXX, Transunion and XXXX ) in violations. I didn't give you permission to report late payments, charged offs, inquiries, bankruptcy, etc. Please remove these items immediately not later than 4 business days 1681 ( c ) ( 2 ). I never gave consent to XXXX XXXX verification. Agency is not suppose to rely on the information provided by the furnisher of that item when doing an investigation. They have to do a independent investigation of the information being reported. They suppose to conduct personal interviews. They must notify me who they're going to contact to conduct these interviews 15 USC 1692 ( b ). 15 USC 1611- Criminal liability for willful and knowing violation. XXXX has cause intentional infliction of emotional distress, invasion of my privacy, fraud, negligence, breach of duty and conversion ( use of information without permission ). I will like to sue for compensatory damages, punitive damages, injunctive relief and emotional damages.

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 2022-10-19
Company: MOHELA
State: OK
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:
According to my servicer, MOHELA, as of XX/XX/2022, I have XXXX eligible payments towards PSLF. I have XXXX qualifying payments of the XXXX. I submitted my paperwork in XX/XX/2022 and was told by XXXX that they needed me to resubmit it. I submitted it again in XX/XX/2022 before my loans were transferred from XXXX to MOHELA. As of XX/XX/2022, MOHELA claims I am not eligible for forgiveness because the box " STILL EMPLOYED '' was not checked. I have a copy of the form submitted initially to XXXX and MOHELA. That box was checked. They are saying I should resubmit the form. I have qualified for PSLF. They refuse to acknowledge that and discharge the loans. At this point, I have applied for forgiveness three times during the period I have been eligible and have not been granted forgiveness. Communication from MOHELA before the transfer stated that any ongoing applications would be honored and no further action was needed. They acknowledge that I have XXXX qualifying payments ( in reality, XXXX since I am still employed at the same institution ) over the XXXX. I am still employed at the same institution as I indicated. 

They engage in shady business practices. They not only deny people eligible for forgiveness, but they also provide a phone number that no one answers. It is a pre-recorded message pushing you to their website. After several minutes, you are given the option to speak to someone, but they put you on hold until they hang up on you. No one will assist you. I would encourage you to try and contact them at their PSLF line XXXX XXXX XXXX XXXX. You will not be able to speak to any representative who can assist you for any reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently had 2 XXXX accounts that was in collections removed from my credit report and deleted because the debt was not valid. One account was XXXX XXXX ( acct # XXXX ) the other account was XXXX XXXX XXXX ( acct # XXXX ). Today I received a inaccurate derogatory mark on my fico report, reported from XXXX for late payment history related to these deleted accounts. I did not pay a balance that was owed to get these accounts removed, the late payment were associated because the debt was invalid. This type of negative reporting is prohibited by the Fair credit reporting act!!. I request to IMMEADIATELY remove the late payment history that is associated with these deleted accounts so my credit report reflects accurate by law. 
In accordance with the fair credit reporting act XXXX  account # 's XXXX & XXXX has violated my rights again. 
15 U.S.C 1681 section 602a states the right to privacy.

15 U.S.C 1681 section 602a section 2 also states a consumer reporting agency can not furnish a account without my written instruction or consent. 
Under the FCRA ( Fair Credit Reporting Act ) prohibits this type of negative reporting to ensure fairness, accuracy, and privacy of the consumer credit information.

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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and ignored for my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person.

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 2021-03-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2023-12-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom this may concern, After pulling a copy of my Equifax credit report, I was absolutely SHOCKED to find that ALL my accounts were deleted off my Equifax Credit Report!!! I contacted Equifax directly and spoke representative named " XXXX XXXX, her member number is XXXX XXXX XXXX She was unable to assist me in this matter. This is extremely frustrating because I am in the process of obtaining a Home loan for my family and this is slowing down the process. Please fix this IMMEDIATELY before LEGAL ACTION IS TAKEN!!! The FCRA is being completely violated by Equifax.. 

Sincerly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I completed a consolidation in XX/XX/XXXX and Navient has not been able to explain the approximate {$10000.00} increase to my consolidation balance. 

I, XXXX XXXX, am providing this written explanation for the basis of the dispute concerning the balance changes for consolidation loans 2-08 and 2-09. I will also provide documentation as requested by the Navient representative. 
I am currently in the home buying process over the next several months and ask that Navient understand and empathize with me concerning the significance of changes to my credit report during this time. 
I have reached out to Navient representatives to explain the balance changes for consolidation loans 2-08 and 2-09. No one could successfully identify documentation for the change, the reason for the change, or explain the difference. Therefore, the Navient representative submitted an escalated request for my consolidated loan balances to be reviewed, requesting an explanation of the changes. I have reviewed both in boxes in my Navient portal, and the latest documents posted since the approved consolidations are the tax statements ( XX/XX/XXXX ) and the quarterly interest statements ( XX/XX/XXXX ). 
Previously, Navient has uploaded supporting documentation in my Navient portal concerning any changes to my account balances for any reason. My mortgage loan is currently in the underwriting process, and the lender will pull my credit again before the approval is final. The last report pulled by the lender reflects my consolidation loan balances foXXXX XXXX XXXX {$220000.00} XXXX and XXXX XXXX {$27000.00} XXXX, as they are shown in the approved loan consolidation and repayment plan totaling {$250000.00}. As of XX/XX/XXXX, my loan balance has changed significantly. 
The increase of {$9500.00} has increased my student loan debt, which might affect my debt to income ratio. It could postpone or stop the mortgage loan approval and closing date altogether. 
I hope that Navient understands the severity of my current situation and is aware of how critical it is for accurate reporting to my credit and providing documentation to the lender for such relevant changes. I am clueless about the details of the balance increase and became even more confused after speaking to two Navient representatives that were just as puzzled as me. 
All in all, I have committed a great deal of my time and finances to reach the mortgage goal of buying a home. I have worked consistently with Navient for the past several months to ensure my student loans meet the mortgage lenders ' standards and the department of education. As you can see, my education is essential to me, and finalizing my approval for this current mortgage loan is equally crucial.

Company response to consumer: Closed with explanation