BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-14
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: Account information incorrect

Complaint:
The credit card issuer, XXXX XXXX, reported an update to my account on XXXX. Transunion is stating that they don't have any updates to my account, thus continuing to report an incorrect amount an Utilization on my credit report. Additionally, XXXX XXXX requested that a collection be deleted from my account, because it was paid in full 31 days ago. Transunion did not acknowledge my claim and that collection remains on my report. I chatted with Transunion via their site, and was told to submit a dispute. When I tried, the Transunion site would not allow me to submit an online dispute. Additionally I was not able to access my report for the past week and a half. I was told two days ago that my account needed maintenance. I was finally able to view the report today, XXXX. There was no reason give for the denied access. I also paid to view my XXXX score only on the Transunion site, however, I have not been able to gain access to it. Transunion continues to have me agree to a monthly service in order to view my 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 non-monetary relief
Consumer complaint received 2020-09-15
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 me as consumer that is frustrated sending in my info such as my driver license and utility bill into credit bureaus, creditors and collections companies asking for documents that proved that these are my account but no response Are they update status staying it is verified with no proof to me. 
.On the date of XX/XX/2020 I sent out certified letter with return receipt to XXXX   XXXX XXXX XXXX at address of XXXX. XXXX XXXX XXXX GA XXXX didn't get the return receipt and they did response but didn't give me proof.I also sent a certified letter to TransUnion on XX/XX/2020 with return receipt no return receipt no response. 
I also sent out certified letter with return receipt toXXXX on XX/XX/2020 at XXXX. XXXX XXXX XXXX TX XXXX. Didn't get the return receipt or any response. 
I was inquiring to all 3 Bureaus about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by federal law to verify through the physical verfication of the original signed consumer contract.Under the FCRA, unverified accounts must be removed and if the credit bureaus are not able to verified proof, they must remove the accounts listed below : 1 ) XXXX : is still on my credit report with XXXX  deleted off the other two bureaus 2 ) XXXX ( 2 accounts ) : are still on my credit report should be deleted 3 ) XXXX XXXX XXXX : was deleted 4 ) XXXX XXXX XXXX : still on my credit report should bedeleted 5 ) XXXX XXXX XXXX : still on my credit report should be deleted 6 ) XXXX XXXX : still on my credit report should be deleted. None of the creditbureaus or creditors/collections have sent me proof of what was ask for in the letters that was sent. 
. So, by law these item should be deleted if no proof was given.

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 2021-09-13
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:
I like to file a dispute for fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. I have attached a copy of the ID Theft Report with this complaint. The report number XXXX. Please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I have been made aware that a computer glitch in the summer of XX/XX/XXXX and early XX/XX/XXXX deleted inquiries in the month of XXXX. Once the glitch was realized Transunion added them back to my report., I am aware of my legal rights and it is illegal for an item to be added back to my report after being deleted with out written notification 5 days prior to it appearing. On XX/XX/XXXX at XXXX XXXX eastern time i spoke with a representative at Transunion by the name of XXXX XXXX at telephone XXXX. I contacted Transunion in good faith to ask them to delete the inquiries that they had illegally re-added. These inquries add a hardship and my rights were violated by Transunion. Please have all of my Transunion inquiries deleted permanently from my report as a violation took place when they were illegally added back with out any notification. Inquiries to be deleted are the following : 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 2017-07-28
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
There are tax liens on my credit reports that have been paid, released, and dismissed. The records are reference numbers : XXXX for {$710.00} XXXX for {$780.00} XXXX for {$1500.00} XXXX for {$37000.00}

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 non-monetary relief
Consumer complaint received 2019-04-29
Company: Experian Information Solutions 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:
Hello, I am a victim of identity theft and have been trying to get the credit bureaus to remove the following accounts that have to do with this theft. The following accounts are a result of identity theft : With XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I keep asking them to remove these items and block them due to the identity theft but they just give me a generic response making me wait 30 to 60 days and the theft remains.

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 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion XXXX, XX/XX/XXXX. Factual data, XX/XX/XXXX. Factual XXXX XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. Factual XXXX XX/XX/XXXX. These were through TransUnion that i have disputed and they will not remove.

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 2019-04-29
Company: EQUIFAX, INC.
State: OK
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:
I have tried to get inquiries that I do not recognize off of my report from Equifax. I have repeatedly called and filed disputes to no avail. They have told me that it is factual data. Factual data or not I didnt make these inquiries. I have been the victim of 19 data breaches that I can verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: Local Management, LLC
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The branch manager left me a very mean voicemail message which said " XXXX, this is XXXX. You lied to me. '' ... I was stuck at work and not able to leave. I am distraught by this. 
I have a copy of this very mean voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
Back in XX/XX/XXXX I submitted a claim to have my loan discharged due to the school being sued for falsely advising students that they will be able to find work after completing the XXXX program. In XX/XX/XXXX I got an email stating that my loans for this school which was XXXX had been approved to have the loan discharged and to allow 60-120 working days. Today is XX/XX/XXXX and the loan has yet been discharged and still effecting my credit. Please be advised that I receive notice that my loan payment is coming up so I had to defer them again which is causing more Interest to be applied on my loan and I have been working very hard on my credit. Attached please find a copy of the email that was sent to me on XX/XX/XXXX stating it was approved, I have also tried to reach out to the number and email address associated in the email and no reply or response. Also a few days ago I received a letter regarding this school and how to apply to have the loan discharged nut I have already went thru these steps and just waiting on the loan to be financial discharged and see that balance decrease from my debt to ration income. Please help me get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: Penn Credit Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Agency called about a debt that was discharged over a year ago in a chapter XXXX bankruptcy. My attorney was also contacted previously regarding collection efforts with this debt when another agency tried to do the same thing. This debt is no longer owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2017-07-29
Company: Army and Air Force Exchange Service
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
THIS HAS TO DO WITH " XXXX & XXXX " NOT REPORTING CORRECT INFORMATION. THIS HAS BEEN GOING ON FOR ALMOST 9 MONTHS NOW SHOWING IN MY REPORT THAT THIS CREDITOR STILL CA N'T GET THIS ACCOUNT UPDATED CORRECTLY. I 'VE TRIED CALLING THE EXCHANGE AND I WAS TOLD AND ADVISED BY THE CALL TAKER THAT I 'M NOT ALLOWED TO TALK TO ANYONE IN CHARGE OVER THERE. I CAN ONLY SEND OUT EMAIL 'S WHICH I 'VE TRIED ALSO BUT THATS A DEAD END SAYING THEY ARE WORKING ON IT, THEY HAVE BEEN SAYING THAT FOR ALMOST 5 MONTHS NOW WITH NO RESULTS. THE CREDITOR IS ARMY/AIR FORCE EXCHANGE ON XXXX REPORT AND ON XXXX IT 'S LISTED UNDER MILITARY STAR SAME COMPANY. THEY SHOW THE ACCOUNT CLOSED SINCE XX/XX/2016 WHICH IS NOT CORRECT. I USE THE STORE CREDIT CARD, I PAY THE MONTHLY BILL EACH MONTH, THAT WOULD BE IMPOSSIBLE IF THE ACCOUNT WAS CLOSED.

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 2022-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Hi, I tried to go open bank accoubt at few dofferent places and everywhere i go, they say ive negative account from somewhere and o cant open new bank account. I need to rectify this and report identity theft of misuse bank 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 2020-05-01
Company: Santander Consumer USA 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to incorrect items on my credit report. Its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I deposited a " SECURE '' Payroll check to my checking account with WELLS FARGO on XX/XX/XXXX, expecting it to be cleared the next day. I called the XXXX # on XX/XX/XXXX to find out why I see a hold on the check. They told me the problem with with the issuer of the check. It is a " Secured '' Payroll check, not sure the problem. They told me the funds would be released on XX/XX/XXXX. On XX/XX/XXXX I went to my local branch, the Manager told me it was because of too many overdrafts. XX/XX/XXXX - I received a letter dated XX/XX/XXXX stating my check is on hold because " You Need to Refer to Maker of Check ''. XX/XX/XXXX the maker of the check to the letter and a copy of this check to his bank and they stated that it cleared!! The maker of the check then went to Wells Fargo with the letter and the check along with the notice from the bank that it had cleared. 

Whatever the reason is, it was not made clear to me. I will attach my bank statements with overdrafts caused by checks being held AND I received overdraft fees AFTER deposits were made to cover by end of day. I also have the letter received from the bank stating " You Need To Refer To maker Of Check '' which I did. 

My business account currently has a hold on a regular check in the amount of {$4000.00} and the letter stated " Signature on check is irregular ''

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 2019-04-29
Company: Shellpoint Partners, LLC
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX 19 I made a payment to NewRez ( aka XXXX XXXX aka Shellpoint Mortgage Servicing ) in order to make up an escrow shortage of {$540.00}. This was supposed to lower my monthly payment to {$1600.00} per month. I noted, on the check, this payment was for escrow. NewRez received my payment on XXXX XXXX 19.  Although NewRez received the funds they did not apply it to correct the escrow shortage, resulting in a higher overall monthly payment. NewRez misapplied my payment as a partial payment. I have called at least three times since XX/XX/XXXX to resolve this. Each time I have been promised the error would be corrected. As of XXXX XXXX 19 this issue is not resolved. The mortgage was recently sold to XXXX XXXX ( aka NewRez ) and I am in the allotted grace period for punitive actions.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
U S DEPT OF EDXXXX XXXX Balance : {$2100.00} U S DEPT OF ED/XXXX  XXXX Balance XXXX {$3600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXXBalance : {$3500.00} XXXX XXXX Balance : {$0.00} XXXX/DOFED XXXXXXXXXXXXBalance : {$0.00} XXXXDOFED XXXXBalance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
We've talked to the furnisher & they've agreed to remove the account, but XXXX has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the IdentityTheft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy... This Complaint is to notify you to BLOCK OR REMOVE these accounts from my credit file resulting from alleged identity theft TOYOTA MTR XXXX Date Opened : XX/XX/2016 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: NAVY FEDERAL CREDIT UNION
State: NC
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:
On XX/XX/2022, I began reviewing copies of my consumer reports with XXXX, XXXX, and XXXX, and I noticed that it is reporting an experience with NAVY FEDERAL CREDIT UNION. The line of credit I have with NAVY FEDERAL CREDIT UNION is characterized as utilization on my consumer reports. NAVY FEDERAL CREDIT UNION IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports. Regarding the : NAVY FEDERAL CREDIT UNION credit card, NAVY FEDERAL CREDIT UNION is in clear violation of the law. Pursuant to 15 USC 1681a 2 ( A ) ( 1 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES transactions or experiences between the consumer ( ME ) and the person ( NAVY FEDERAL CREDIT UNION ) making the report is NOT INCLUDED on my consumer report. Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( NAVY FEDERAL CREDIT UNION ) that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! NAVY FEDERAL CREDIT UNION HAS VIOLATED THE FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. My consumer rights have been violated so I mailed a letter to NAVY FEDERAL CREDIT UNION expressing my concerns via USPS tracking # XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation