BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance : {$290000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$480000.00}

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 2021-06-07
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
As required by the stated guidelines for the Public Service Loan Forgiveness program since XXXX, I submit Employment Certification Forms annually to maintain eligibility for PSLF. At most, this process of certifying employment and eligibility has take 2 weeks to get a response from the student loan servicer MyFedLoans/PHEAA. 

I am now eligible for loan forgiveness through the Temporary Extended Public Service Loan Forgiveness program and have been for more than a year, after maintaining eligibility for 12 years of regular monthly payments, but the servicer is saying they need more time to certify my employment. I have recertified every year, the servicer already has records of employer eligibility, so there is no reason for a delay to a process that has taken 2-3 weeks in the past. A representative even called me with a question the week I submitted the revised ECF and TEPSLF application form XX/XX/XXXX to verify information so I know it was reviewed by a human. 

When I called MyFedLoan on XX/XX/XXXX to inquire the status of my application I spoke to four different representatives and PSLF specialists ( # XXXX, # XXXX, # XXXX, # XXXX ) and they all confirmed there is a backlog of applications and was told process for certifying employment was changed to the Department of Education. I called the Student Loan Support Center at the Dept of Ed to confirm the same day, to inquire what I needed to do to escalate my application, and was told this was incorrect, MyFedLoan is the Department of Education processor, and transferred back to MyFedLoan, and was told to use the online tool to submit the paperwork I have already submitted, including tracking down signatures from 12 years of employment which were already scanned uploaded and approved on the MyFedLoan website. 

There is absolutely no justifiable reason for the delay, the processor already has the records they need to certify employment, eligibility for loan forgiveness, and to pass the TEPSLF application back to the Department of Education for approval and loan forgiveness. The servicer knew there was going to be a backlog of eligible applicants as this program has been around for more than a decade and delaying forgiveness is a disservice to the public servants who have been working towards forgiveness for the duration of the program.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, 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 received a copy of my credit report and found the following item ( s ) to be in error : 1. 15 U.S. code 1681e ( b ) compliance procedures Accuracy of report High balance is not accurate accross all credit bureau date of last activity is not accurate date opened is not accurate across all credit bureau XXXX  XXXX Account Number : XXXX This is a violation of my rights. please remove it from my credit report 2. 15 U.S. Code 1681s2 ( F ) Reporting information during covid 19 pandemic XXXX XXXX Account Number : XXXX please update to never late 3. 15 U.S. Code 1681s2 ( F ) Reporting information during covid 19 pandemic XXXX  Account Number : XXXX please update to never late 4. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of reinv XXXX Account XXXX : XXXX This is a violation of my rights. please remove it from my credit report 5. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX XXXX XXXX XXXX Incorrectly states I have this derogatory account. 
XXXX XXXX  XXXX Incorrectly states I have this derogatory 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 non-monetary relief
Consumer complaint received 2017-07-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax will not delete the the hard inquirires and collection and negatives on my credit report. Also I received a Retaliation and Discrimination response from Equifax Management and Administration on XX/XX/XXXX,2017 .Equifax called me XXXX XXXX , my name is not XXXX XXXX . My name is XXXX XXXX XXXX and I am XXXX American. My credit scores and credit are suffering because of the major Retaliation from Equifax Administration.Equifax is Discriminating and Retaliating against me because of my XXXX American National Origin as a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
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:
XX/XX/2020, I sent a certified letter to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX requesting verification of the debt I allegedly owe. In addition, I sent dispute of the balance to all three major Consumer Reporting Agencies ( XXXX, XXXX, and Experian ). I never received a response back for the information I requested. From my understanding I have a right to dispute this information and receive a response. The Fair Credit Billing Act ( FCBA ) lays out consumers ' rights to dispute credit card issuers ' charges : Consumers have 60 days from the time they receive their credit card bill to dispute a charge with a card issuer. Charges must be over {$50.00} to be eligible for dispute. For easy read I am pointing out the following inaccuracies : The account has not been properly noted the account was and is being disputed. Secondly, from my understanding Metro 2 is the industry standard used to help maximize possible accuracy. The following fields are not being reported or being reported inaccurately. Field XXXX XXXX Account is reporting inaccurately, because the account number XXXX has been redacted ( Report the individual 's complete and unique account number as extracted from your file ). The account number is redacted and could be any range of numbers belonging to anyone. This is also, a possibility of this being a mixed or merged account. Do not include embedded blanks or special characters. Field 25-Date of First Delinquency is incomplete, because no Date of First Delinquency is being reported on this account. Field 26-Date closed is incomplete, because it is not being reported. Field 27- Date of last payment is incomplete, because it is not being reported. Additionally, this account has not been marked for dispute when I sent the letter disputing the debt. 15 U.S.C 1681s-2 ( B ) ( 3 )

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 2023-10-11
Company: Experian Information Solutions Inc.
State: AZ
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:
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. 

This accounts and Inquiries has violated my rights.

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 explanation
Consumer complaint received 2018-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 contacted Transunion on XX/XX/18 and made them aware of inquiries on my credit report that I did not authorize and are a result of fraud. The inquiries and dates are as follows : XXXX XXXX XX/XX/18 and XXXX XX/XX/17. I have an active fraud alert on my consumer report with Transunion and I extended it for another 90 days in attempt to prevent any further fraudulent activity. TransUnion also has a copy of a police report on file from the related incident.

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 2021-12-08
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was named as one of the person in XXXX XXXX XXXX class action suit me and my mother who has passed away in XX/XX/XXXX ( god rest her soul ) she was my co-signer on my auto loan in Nevada state. XXXX XXXX was aware of her passing and issued me a check for XXXX for the damages in which they decided was a far amount when i recieved the check it said to the astate of my mothers name and then my name with her being dead they should have not even put her on the check and if they where going to do that they should have said or instead of and so i took the cashers check signed the back of the check to my daughter and she depoited to her account with key bank. They emailed her and said that the funds would be released in 5 days and then 2 more, she called the bank and told them who her dad was and how it was his cashers check they said oh we do not cash 3 party checks i stated that it was a cashers check it did not matter.my daughters account had a fraud hold on it ment she could no longer do anything with that account. They held the funds in her account for 30 days. And she had her direct depoist from work put into the same account. She was able to go to the key bank and they wrote her a check for that amount depoisted and she took it up to the teller and they cashed it for her, on a account that was on a frozen account but there was never any fraud done on the account .They where aware that my dad signed that check over to my daughter and it was her account so where is the fraud on the account. 33 days later the funds are gone and her account is not frozen anymore so i called key to see where the funds went i assumed they set it back to wells fargo no they put it into a fraud account and said i needed well fargo to write a hold harmless agreement to release the funds wells fargo said they would do any thing they wanted, but they cashed the cashers check and they can not do anything when they took the money if the money was sent back and the just held onto the check that would be totally different. They cashed it. So if i did not want to do that my last option was i could open astate account for my dead mother etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2022-10-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2021-12-08
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and REMOVED. 

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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: Problem with personal statement of dispute

Complaint:
ive tried to dispute account with trans Union XXXX asking for method of verification because account is reporting dispute resolved. over 30 days have passed, and I have yet not received any verification on acct. I do not agree with report investigation results because I have no clue how this account was verified. Account is stating inaccurate reporting account open, derogatory, collection charge of all at the same time. There is no way that account can be derogatory if reporting account as collection. Account is also stating in accurate reporting account has open derogatory collection charge of all at the same time there is no way that account can be derogatory if reporting account as collection I had previously stated on my dispute, I had previously stated on my dispute that I do not recall having this account open for that reason, I wanted account to be verified, or delete. I have not received any documentation with any kind of verification stating this debt belongs to me.

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 2018-12-16
Company: Russell Collection Agency, Inc
State: MI
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: Billing dispute for services

Complaint:
I notice an incorrect collection account on my credit report from Russell Collection Services in the amount of XXXX. I dispute this information with the company in XX/XX/2018 which I didn't receive a response. On XX/XX/2018 dispute the info with Credit Bureaus which I received a response account verified. Ask for the steps how was it verified in still no response. Call Russell collection and still have received proof of account. I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
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 status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXXBalance {$100.00} DPT EDXXXX****-Balance {$2300.00} DPT ED/XXXX****-Balance {$5400.00} DPT EDXXXXBalance {$7500.00XXXX XXXX XXXXXXXXBalance {$390.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance {$900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance {$27000.00} ( Original Creditor : ) XXXXBalance {$36.00} ( Original Creditor : XXXX XXXXBalance {$25.00} ( Original Creditor : ) -XXXX**-Balance {$160.00}

Company response to consumer: Closed with explanation