BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 following accounts were never late on the date specified, I took care of each of my accounts and it is paid in full, no balance.. I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without making me aware of it.. Dispute letters were sent to no resolution..CFPB help me out here and fix or delete the accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( two trade lines on my Transunion credit report ), 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 2021-10-18
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:
Hello, my name is XXXX XXXX, and 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 did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the following accounts completely from my Credit Reports : 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 2022-03-07
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: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account completely from my Credit Reports : 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 2017-11-08
Company: Lendmark Financial Services
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I understand that I borrowed the money because my mom was XXXX so she is not able to work so I 'm helping paying the bills such as ( light, water, cable, insurance, food, phone and etc ) This company is very RUDE they do n't understand things happen. 

During my time with this company I received these comments : I told XXXX you werent going to payment but I guess he tried to believe you ( XXXX said that! ) I asked to not be called at my employment, ( I even sent an email handwritten to not call at my employment ) XXXX XXXX from the XXXX NC location called XX/XX/XXXX saying " Hey XXXX, are you going to make your payment '' I said I will call back on my lunch break please stop calling me at work '' this is so annoying! 

XX/XX/XXXX I called and ask the branch manager for the original copies of my contract I finally received them XX/XX/XXXX. ( I guess he stated he was busy ) I called XX/XX/XXXX to ask to why my charges are extremely high if I only received ( 3 ) checks in the amount of : {$1100.00} ( XX/XX/XXXX ) {$390.00} ( XX/XX/XXXX ) {$120.00} ( XX/XX/XXXX ) Which is ALL a total of {$1600.00} ( so your telling me it 's THOUSANDS of dollars in INTERST! ugh NO! ( explanation please! ) When I called XX/XX/XXXX I was on the phone with a sweet lady name XXXX and she could not figure out why my charges are extremely high. This company needs to be investigated. 

Then I get legal papers that say {$830.00} OWED, {$650.00} INTEREST {$9000.00} HOW! 

I 've sent an email to XXXX XXXX XXXX, XXXX ( Chief Administrative Officer ) XX/XX/XXXX with no reply or anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have federal student loans with FedLoan Servicing, and I am participating in PSLF. 

In XXXX XXXX I logged on to XXXX and saw I had 11 qualifying payments for two of my loans, and 7 qualifying payments for six of my loans. 

In XXXX XXXX I filed another XXXX. It took them six weeks to process the XXXX. 

In XXXX XXXX I logged onto XXXX and saw the XXXX had been applied to two of my loans ; but now I had LESS qualifying payments for six of my loans - I only had 6 qualifying payments for six of my loans instead of seven ( please see attached two documents ). I spoke with a manager at XXXX who would not give me any reason for the deduction in qualifying payments ; even though I have continued to work full time for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, continued to make my payments, and filed a new XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
When I check on my credit report, it shows that my Bank of America credit card has closed. They [ BoA ] said that I requested closing that account, but I did not request it. They closed without noticing 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 explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: NJ
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 my 2nd attempt to get this matter resolved. I've submitted my previous complaint with the CFPB & you claim I'm submitting the information for someone else which is just crazy. The unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the accounts in my Credit Report : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX 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 2021-04-16
Company: Experian Information Solutions Inc.
State: NJ
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:
Hello, I submitted a dispute on XXXX with my lender State of NJ XXXX XXXX 3 late payments in XX/XX/XXXX. 
The lender emailed me back on XXXX XXXX approving to remove the late payments for {$150.00} and would notify crediting agencies on my behalf. 
The crediting agency, Experian, has not updated my credit report and score. 
I reached out to Experian via phone call XXXX XXXX XXXX XXXX ) and they asked me to upload the email proof to experian.com/upload, which I did on XX/XX/XXXX. 
They said they would contact the lender. I received an update from Experian that the late payment would stay on my report after they spoke to the lender, XXXX. 
I called XXXX and spoke to XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ). She stated no one from Experian contacted XXXX. 
I called Experian once more on XX/XX/XXXX and they said they did not receive the uploaded file. I uploaded it again on the same day and received the confirmation it was uploaded and my dispute is open. I received another update that the late payment will stay on my record on XX/XX/XXXX. I am not sure if anyone at Experian contacted XXXX. May you please look into this? 


Best, 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 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 my 2nd attempt to get this matter resolved. I've submitted my previous complaint with the CFPB & you claim I'm submitting the information for someone else which is just crazy. The unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the accounts in my Credit Report : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

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 2022-03-07
Company: EQUIFAX, INC.
State: NJ
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 my XXXX attempt to get this matter resolved. I've submitted my previous complaint with the CFPB & you claim I'm submitting the information for someone else which is just crazy. The unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the accounts in my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: PNC Bank N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
This bank charged me a maintenance fee and refuses to waive it as a courtesy not fair Im a loyal customer also I called customer service because I saw an add that they will issue contactless debit card with tap technology and asked when it would be available she said she dont know how can you not know

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: KS
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 disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per XXXX USC XXXX ( XXXX ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law XXXX XXXX XXXX ( XXXX ). Per XXXX XXXX XXXX ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.

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 2021-04-16
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:
XXXX opened a account online for someone using my information. They then sold off the account. I ask for proof of owner and verification they informed me that they didnt own the account so they couldnt send me copies of the contract showing my signature or the information listed on the account. However they insist on reporting to the credit agency. Even though they dont own the account, nor can they produce any documentation. TransUnion refuses to remove the information from my report even though I have shown proof that the owners of the account states they arent reporting this to the credit bureaus. Was told theyre not obligated to assist me. Nor are they obligated to look at the document I sent

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 2017-11-08
Company: Trident Asset Management, L.L.C.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Trident Asset Management is reporting two collection accounts on my credit reports. Both of these accounts state that they are for a utility, in the amounts of {$420.00}, and {$310.00}. Trident lists the opening dates as well as first delinquency dates in XX/XX/XXXX. No mailing address was provided for Trident on any of my credit reports, which is issue number 1. How am I supposed to reach or correctly contact Trident with incomplete contact information? Issue number 2 is that I have not had a utility in my name for years and I most definitely have never had a Trident account. They do n't even list who the original creditor is or their contact information. Now onto my biggest issue with Trident, issue # 3. I have been fighting Trident for several years now about this account that I keep stating, does n't belong to me. Trident insists that I owe these debts and they keep changing the dates as to first opening, etc. to suit their needs. I have past credit reports that show different opening and delinquency dates on them. The last time I made contact with Trident was for debt validation back in XX/XX/XXXX in which they responded back with a letter stating again that I owed these balances, along with an account summary of the bills supposedly in question. I went ahead and contacted the original creditor on said summaries ( XXXX ) and gave them the account numbers listed. XXXX told me there were no such accounts in their system. No accounts listed under those account numbers, my name, or the addresses listed for me on these summaries. I even had XXXX transfer me to their recovery department to see if maybe one of these accounts had been transferred as a bad debt, and the result was the same. No such accounts were found. I then filed a complaint with the Better Business Bureau ( BBB ) against Trident and after months of back and forth, the complaint was closed with no agreement from either party. 

Fast forward again to today, in which I am filing this complaint with CFPB. Trident continues to report false information on my credit records and I do n't know how many times I have to tell them that these accounts are not mine! I stopped trying to fix this with Trident as I clearly was unsuccessful in all attempts at getting any resolution, but Trident keeps adjusting the time frames on my credit files, which I can no longer sit back and let it ruin my credit that I have worked so hard to keep on track. 

Another note ... The account summaries that Trident provided to me are dated XX/XX/XXXX and XX/XX/XXXX. How can I have opened an account in XX/XX/XXXX ( as stated on my credit reports ) if these bills which Trident says are mine, were opened years before?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
i was attending the lab XXXX XXXX XXXX XXXX in XXXX nj XX/XX/XXXX i technically graduated and finished my hours but i was told the school only has one graduation in XXXX of every year where we get our paper work of our hours however this certain year after contact the school leaving vm nobody ever got back to me ... the school closed for bankruptcy XX/XX/XXXX i never got my papers the state broad for three years i called and kept talking to the same lady who told me to contact other XXXX XXXX locations ( XXXX XXXX XXXX XXXX ) & XXXX XXXX school in XXXX regarding my hours so that i could complete the test! i never received my papers. i refuse to have to pay on a loan that i can not even use. this was my third time attending a hair school and to finally have completed the course and not been able to take the exam after being there for almost 3 years was extremely heart breaking. please assist me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have a repo with XXXX XXXX that is not mine 3 collection accounts 18 inquiries that are not mine. I have written and callled and placed holds on my credit reports. There is even a bankruptcy on my reports. It has ruined my credit. Ive tried to call write and get the bureaus to fix it and they wont.

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