BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. My personal information was taken from a storage unit I had that was auctioned off. Please delete these items immediately, I have reached out to all creditors as well. 

XXXX XXXX {$250.00} XXXX XXXX {$230.00} XXXX {$270.00}

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 2021-07-13
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I paid off my car loan on XX/XX/XXXX of 2021. Another customer erroneously paid on my account. This lead to XXXX XXXX reopening my closed account. I was not made aware of this until I received a letter dated XX/XX/2021. I was assessed late fees for payments not being made since XXXX and a major delinquency was reported to all three credit bureaus dropping my score 60-80 points. I have contactedXXXX XXXX on XX/XX/2021 over the phone who took 40 minutes to make sense of the account. I expressed my concern over my credit score that I have been working diligently to improve over the past two years. XXXX XXXX expressed that it is not their problem to contact the credit bureaus to make corrections. I have contacted all the credit bureaus to explain my situation and provided them documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for an Apple Credit Card through Goldman Sachs and my application was denied because of my credit and things on my consumer report. I can not be denied because I am the one who is extending credit to them, not them extending credit to me, especially since I make more than enough money to get any credit card I want. Per to 42 USC 408 asking for my social security number on any credit transaction is unlawful because there is no lawful money, and thats a crime. Also, per 15 USC 1602 ( g ), me, the consumer, is the creditor. I feel like I have been discriminated against by this companys actions for applying for this credit card. It is against federal law to be discriminated against for a consumer credit transaction per 15 USC 1691 ( scope of prohibition ). As a federally protected consumer, my rights have been violated and if this matter is not fixed, I will pursue actions for monetary damages for having my rights violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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've been a victim of identity theft and I'm suffering from punitive damages. I've mailed letters to all three bureaus XXXX, XXXX and Transunion and the companies but and still haven't been removed. All the accounts listed are fraudulent and need to be removed! XXXX XXXX XXXX  {$25000.00} XXXX XXXX XXXX XXXX {$26000.00} FIRST TECH FCU {$33000.00} XXXX XXXX XXXX XXXX {$44000.00} XXXX XXXX XXXX XXXX {$29000.00}

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 2022-08-30
Company: United Resource Systems, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX, I did a XXXX at XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX, CA XXXX ), but the doctor didn't told me that the XXXX XXXX XXXX XXXX is a out of network before sending me to the center, not providing any financial estimation as well, they billed me {$1300.00} about XXXX months later after finishing the XXXX, I would have went directly to the lab and went to the hospital if I known this was going to be this much. 

I had a couple a phone calls with XXXX XXXX XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX for negotiating the bill, the final call was to ask them to provide evidence for providing financial estimation before sending me to the center or XXXX. However, I have not received the related documents. 

Then they just sent this bill to a collection agent ( UNITED RESOURCE SYSTEMS ) at XX/XX/XXXX without sending any notification, even the collection agent did not sent me any mail or any other notification about this collection, in other words, I do not even know I have this collection until yesterday I was going to query my credit report. No any mail before and after the provider sent this bill to the collection agent. 

Three things, 1 ) this was a surprise medical bill. 2 ) sent to collection agent without any notification. 3 ) doing medical collection during covid pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
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: Personal information incorrect

Complaint:
Wrong information that I did not give consent to.

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 2017-06-20
Company: N.A.R., Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NAR INC is reporting on my credit report fo r    XXXX   XXXX   XXXX   XXXX  . I 've contacted NAR and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Rent Recovery Solutions
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Rent Recovery Solutions is reporting on my credit report fradulently for XXXX XXXX XXXX. I 've contacted Rent Recovery Solutions and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: AMERIS BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have called numerous times to HAF and my mortgage company. Absolutely no resolution. HAF says the funds for XXXX have been sent XX/XX/2022 and XXXXAmeris bank claims no funds have been received as of XX/XX/2022. 
Being denied to speak to supervisors concerning my concerns from both parties. 
Please can you help in this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions 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:
Hello, The Experian Credit report always shows another person 's credit card accounts on my Credit report for over 2 years. I disputed it 3 times all failed, I also contacted XXXX XXXX XXXX directly since the two wrong credit cards are all from them. They confirmed those accounts do not belong to me and I only have one credit card under my name. 
However, the Experian credit report still failed my dispute without giving any reasons and asked me to contact XXXX XXXX XXXX. 
All other credit bureaus have the correct information, but only Experian shows the wrong information and it extremely hurts my credits and my life. 

I really need some help to correct their report. 

Thank you

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 2022-08-14
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Well in short for several years now, I have been trying to pen a personal checking account with XXXX XXXX, TD Bank North and XXXX  XXXX XXXX. I wasn't ever given a reason at any time why they wouldn't extend to me an account. Every time I went to open an account, they open it and after a second verification process, they close the account. when I speak to a supervisor all they can tell me is there are note in my profile that say do not open an account for me, but they have the right to not share the reason and that's all I get so all I want to do is know the reason and all I want to do is to resolve the matter and repair and reinstate my relationship with the institution please help me thank you. 
Dates XXXX XXXX XXXX XX/XX/XXXX Dates XXXX XXXX XX/XX/XXXX XX/XX/XXXX Dates TD Bank North XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: EQUIFAX, INC.
State: OH
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:
the below address and accounts do not belong to me, please remove from my credit report it is effecting me negatively The Below address do not belong to me and never have, I live at XXXX XXXX XXXX XXXX OH XXXX for over 10 years so please delete these address from my credit report XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX FROM : XXXX XXXX XXXX XXXX XXXX OH XXXX FROM : XXXX XXXX Opened XX/XX/XXXX balance {$970.00} account # XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX XXXX opened XX/XX/XXXX Credit Limit {$300.00} balence {$430.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   SD XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$97.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
When researching my credit due to divorce I discovered 2 judgments against me that I was never made aware of. I attempted to contact Midland Funding using the address on the judgments and the mail was returned undeliverable. These accounts are fraudulent due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Creditor has continuing to report a private loan that has exceeded 7-year period on my credit report. While checking my credit report, I notice an account from XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent certified letter, to all three credit bureaus ( See attached ) letting them know that XXXX was reporting obsolete information on my credit report and so far, I have not gotten a respond from them. I am asking you to please help me to have this information removed 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 non-monetary relief
Consumer complaint received 2018-04-15
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loans have been transferred from XXXX to Navient in XX/XX/XXXX. My XXXX loans were on autopay at the time and apparently that go transferred over ( without Navient telling me - which was one of the issues, their website does not properly tell you if you are on autopay or not ). 

Right from the get go, there are massive issues. I was not officially warned that I moved to Navient until I checked my account on XXXX and my accounts were gone. And I did not get any of the documentation from Navient until well after the first payment was due. It was sheer luck that I saw this and quickly made a navient account to make a payment on the loan. 

Which leads to the next issue, I made a payment to Navient for XXXX dollars on XX/XX/XXXX.  Navient then disperses the amount into different accounts, instead of the loan that was specified. I read up and Navient has had a history of doing this. I called them up and told them about the issue and thankfully, they corrected the issue. 

The next issue is their website. I was ahead on payments apparently and because of this, they deceptively remove the autopay icon from the account, even though I was on autopay. As a result, I ended up paying XXXX dollars on another account twice. I called Navient again and they tried to say that it was the issue with XXXX and that it was normal to remove the autopay icon when I am ahead in payments, even though I am still in autopay. I find that incredibly deceptive. Worse, the refund, if I wanted to take it, would take 10 business days, which would have been pointless as I would have to make the payment again not long after. 

Which leads me today, Navient took money from my account on XX/XX/XXXX for {$150.00} towards my big loan account ( I have three accounts, all three have had major issues with Navient ). I checked my account and AGAIN they dispersed the amount in different accounts instead of the one, making my loan late in payment. I will be calling them again on Monday to settle this and I will be removing all payments on autopay as they are incompetent in dealing with money. 

Based on the lawsuit that was brought to them last year and seeing first hand how much they have been XXXX me, I am going to have to keep a super close eye on Navient and their incredibly shady business practices. If they keep doing this, I will be consulting my lawyer to see if I can pursue any action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
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: Was not notified of investigation status or results

Complaint:
i have mailed certified letter and verbally spoke with Experian for the past 6 months with no results. I have been hung-up on and told that they don't have to have proof that the information that is provide on my report is acquire. I have asked to speak with supervisor for the rude and unprofessional behavior that I experienced and no one called me back. I was told the only way that my file could be corrected is if I had a paid membership. My number is blocked from the system i have to call in with different numbers. Today i was hung up on by XXXX in special departments. i have all my certified mail receipts and some recorded phone calls

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 2018-04-15
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Dear all, This is to inform you that I have scheduled a fund transfer to XXXX through western union money transfer on XX/XX/XXXX. The company has promised through a written email that the calculated amount will credit to the receivers account by XX/XX/XXXX8. Though the amount was required for an urgent medical related issue in my family back in XXXX, I have agreed this terms. Unfortunately, till todays date, XX/XX/XXXX, the money has not credited into the account, and also the company 's customer care department is not able to give any satisfactory information about this money transfer. I have been contacting them for a while and all the customer care representative provides different answers/suggestions/comments about this issue.

It has been a sad situation for me and my family about this issue, because the money transfer is not served it purpose. 

Thanks,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Creditor has continuing to report a private loan that has exceeded 7-year period on my credit report. While checking my credit report, I notice an account from XXXX  that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent certified letter, to all three credit bureaus ( See attached ) letting them know that XXXX was reporting obsolete information on my credit report and so far, I have not gotten a respond from them. I am asking you to please help me to have this information removed 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 non-monetary relief
Consumer complaint received 2019-03-15
Company: Nelnet, Inc.
State: CO
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 attended XXXX XXXX XXXX from XXXX. As a single mom, I qualified for a full scholarship and several grant opportunities. I took out ONE small Perkins Loan as a safety nest egg as I did not need layers of loans at the time to pay for school. I have never taken out a bank loan of any kind in my life. On XX/XX/XXXX, I received a letter signed/dated from Perkins Loan Program thanking me for paying the loan in full. One year after graduating, I began to receive notices stating that my loan grace period was over and payments would begin on a certain date. I call the loan services to get resolve but was transferred to endless departments on every call until I exhausted and gave up. The loans in question were sold multiple times over the years ending up currently with Nelnet. The small student loan that was paid has accrued to {$120000.00} of personal debt, grossly affecting my debt-to-income ratio with credit bureaus and placing me under constant financial stress. I learned there were resources available to dispute such problems with student loans. I called Nelnet to address this issue now decades old. Over the years, I've deferred the loans fearing Nelnet would garnish or attach personal assets. In XXXX, I called and got redirected to the fraud department. They were supposed to send signed documents for me to verify signature. The documents did not come. I need help getting out of the Nelnet web and getting a paid debt resolved. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions 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:
Dispute Department Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX To whom it may concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and these inquiries were unauthorized. I ask that the items be deleted from my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed a copy of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible, as they are preventing me from opening new lines of credit. 

Fraudulent Inquiries -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 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 non-monetary relief
Consumer complaint received 2019-03-15
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 fraud alerts or security freezes

Complaint:
I have a security freeze setup with Experian. I can not get a temporary lift applied online or in writing from Experian using the security PIN code they provided or when I mail all the requested materials to them in writing. 

I have been refused loans 4 times in the last 18 months because they could not pull a report from Experian including the most recent with XXXX XXXX on XX/XX/XXXX. 

I have written Experian about the problem three times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and have not received a response or a remedy to the problem. 

Their online credit freeze lift doesn't work. Mailing them the requested materials doesn't work. There is no phone number to reach them ... I am just told to send the request in the mail.

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 2022-08-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
THIS ACCOUNT IS BEING REPORTED AS A CHARGE OFF WITH A BALANCE OF {$7300.00}. THIS IS A CLEAR VIOLATION OF MY RIGHTS UNDER THE FCRA AND FCRPA. BALANCE IS ALSO BEING REPORTED AS INCORRECT AND NOT IN AGREEMENT WITH THE OTHER TWO MAJOR CREDIT BUREAS.

Company response to consumer: Closed with explanation