BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XX/XX/2022 to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided.This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2022-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On or about XX/XX/2022, I responded to a mail offer for a Walmart Capital One Card. I was approved for a {$2000.00} credit limit and the card was mailed to me. The card is frozen and Capital One asked that I go through an identity verification process. On three times, I sent in copies of my driver license, social security card, utility bill and other identity documents. On XX/XX/2022, a representative contacted me from the fraud department to discuss my application. After verifying information, I was told they would remove the block from the card. As of today, that has not been done. When I call back to speak to somebody, I am told the card is permanently blocked, then transferred to another department. The other department tells me they are working the application. It's like the left hand doesn't know what the right hand is doing. I need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have an Experian Membership, I have been trying to sign on for months without success. I have tried everything possible. Experian does not provide a phone number for a Live Person, I have called numerous different numbers and all I get are prompts to reset password or username, I type in the required information and Experian. emails me a link to reset password and my username. I have tried this 6 times today, Yes 6 time with 6 different links, Nothing works. Experian has basically LOCKED me out from my Experian Credit report. I cant even pay for a membership or pay for my report. This is not a problem with XXXX  or XXXX. So it must be an EXPERIAN Issue. This XXXX   XXXX  do not provide a reasonable way to contact them and they have wasted hours and hours of my time. I have called from my personal phone number, from my landline hime number, from My daughters number, NOTHING WORKS TO REACH A LIVE REP.Alternately EXPERIAN has basically said XXXX  YOU to us consumers. How the XXXX  can any corporation who makes billions off my information, which they take without my permission and then make it so XXXX difficult,

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 2020-02-04
Company: Nelnet, Inc.
State: NH
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:
My name is showing on my report incorrectly and I have made numerous attempts to rectify, unfortunately to no avail. 

Additionally, my credit report reflects serious delinquency and my payment history is 100 %. My full credit report shows late payments ( 90 days ) with my Nelnet account in XX/XX/XXXX. However, from XX/XX/XXXX thru XX/XX/XXXX my status shows as OK. My status returns to OK in XX/XX/XXXX and shows a NR status until XXXX of XXXX when it returns to OK. My student loans were placed in forbearance on several occasions from XX/XX/XXXX thru XX/XX/XXXX due to my financial hardship due to my medical condition. Once my health improved and I contacted Nelnet to resume payments I was informed of the late payments and once my case was reviewed I was told that all negative reports would be corrected. The fact my account showed ok in XX/XX/XXXX and 90 days late in XX/XX/XXXX is a clear indication of incorrect reporting from Nelnet. I have been trying to resolve this issue for YEARS and really hope this agency can facilitate a resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: FIRST HERITAGE CREDIT LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
1st Hertiage Credit continually called me at work, when I repeatedly ask them not to contact me at work. They tried to serve me papers at work and when I wasn't there he made one of my employees call me and put me on speaker phone so she could hear everything that was going. He then wanted to know if he could leave the papers at work where all my emoyees could see. I told him no that he needed to delivery to my house. Which a week later he came to the hoiuse, i was not home, but my XXXX year old daughter was home and she said some man banged on the door for almost 30 minutes, to where he then venture around to the back of the house where my other daughter was located and gave her the papers. I had also just made 2 payments the month to get the account caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I submitting a dispute for the credit bureau to look into a matter. There is a charge-off account that is not mine on my credit report from XXXX. Credit Bureau or the XXXX XXXX has the wrong account listed on my credit report. I have never been late on any electric company bill that I have ever had. I have proof of every payment made on time. When I contacted XXXX XXXX I was told that they dont see a charged off account owned by myself. However, the credit bureaus are saying they verified the account as accurate. I demand that this account belonging to someone else be removed immediately from my credit report ASAP.

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 2022-01-07
Company: EQUIFAX, INC.
State: TX
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:
This complaint is many of several. I just did this a few weeks ago only for all three credit bureaus to still keep this accounts on my credit files. 
I would like to also mention that XXXX lied in the response back from my prior complaint that they have removed all from my credit file and that is not true all XXXX fraudulent accounts are still on my credit files. They all have my credit usage very high as well due to these fraudulent accounts. 

The creditors even sent letters asking all XXXX bureaus to please remove the accounts from my files as they are identity theft! 

XXXXXXXX XXXX XXXX XXXX SHOULD BE DELETED FROM MY CREDIT FILES XXXXXXXX XXXX XXXX XXXX XXXX SHOULD BE DEPETED FROM MY CREDIT FILES XXXX XXXX XXXX XXXX XXXX XXXX SHOULD BE REMOVED FROM MY CREDIT FILES! 

THIS IS TANISHING MY CREDIT! 

XXXX, EQUIFAX AND XXXX HAVE AND WILL NOT TAKE THESE ACCOUNTS OFF MY FILES. THEY SIT ON MY FILES AS CLOSED IN BAD STANDING POLICE REPORT, CFPB COMPLAINTS, LETTERS FROM THE CREDITORS ETC HAVE BEEN SENT TO THE BUREUAS THE CREDITORS ASLED THAT THESE ACCOUNTS BE REMOVED COMPLETELY FROM MY CREDIT FILES EQUIFAX AND XXXX HAVE TONS OF INQUIRIES THAT ARE NOT MINE AS WELL ON MY CREIDIT FILES!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX when I was making a payment over the phone for my mortgage, the servicing company ( Specialized Loan Servicing, LLC - SOS ) offer me a 3 month deferral payment because I was on the affected zip code area in XXXX. First they told me to just not pay for three months, that it sounded very odd to me, when I called again and again, they always gave me a different answer. Finally on the 12th call, they told me I needed an approval from the bankruptcy court authorizing the to grant me deferral program. My attorney went to court and got approval by the court and send it to them. I didn't pay for three months and on XX/XX/XXXX, made my first payment and so on, until this date. Now they are taking me to court and saying that am 3 months behind payments, because they never signed an agreement with me. After trying to find a solution and explain that I was affected by the Hurricane, they offered me a 6 month re-payment plan ( for the 3 unpaid months ) wish I agreed, but now they are not sending me the agreement of the repayment plan and are taking me to court. 
I do not think is a fare way to deal with a customer and I do not believe I have done anything wrong other that believe their word. 
What options do I have than to take them to court and I do not have the funds for an attorney.

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 2023-12-05
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to inform you that I have been a victim of identity theft. As per FCRA Section 605b, it is mandatory for you to remove/block any account listed on an identity theft report. I have attached the necessary documents to assist you in blocking the erroneous information that is being posted on my report. I would like to bring to your attention the list of accounts that do not belong to me or were opened without my permission : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened Date : XX/XX/2018 Balance : {$100000.00}. Please remove these accounts ASAP. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-07-14
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
NAVY FEDERAL CREDIT UNION My account Name XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX On XX/XX/2022 an ACH stared from NFCU checking. Was sent to my spending account XXXX XXXX XXXX  ( {$5000.00} ) ( {$50.00} ) ( {$20.00} ) ( {$1.00} ). Then to my XXXX XXXX XXXX XXXX  {$9500.00} ) all ended being sent back with return fees. ( {$29.00} ) NFCU checking was closed and both accounts @ XXXX XXXX. There was a letter that I found in my vault with XXXX XXXX or XXXX XXXX. I have a idea on who put this in there. The letter was saying to do Something with my checking to summit to the FDR. That the united states treasure would summit funds into my account. I had showed the teller at NFCU this she asked how I received and put notes into my account. I also talked to someone else there and this individual was not helping but only to tell me that it's true what the latter had said. This now has places me in a position that I'm homeless with job and money is hard to come by. I Have tried many times to fix this matter. I feel that this should have been investigated. With my account on my phone being looked into and others that may have my personal information. I'm trying to figure out the right way or course of action. Without cash flow it's hard to pursue legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am contacting you about a matter of great concern to me. Recently, I found multiple mistakes on my credit report. As I understand it, I have the right to contest these items with Equifax, XXXX, and XXXX XXXX ; and each bureaus is required to conduct investigations into the specified accounts. I contacted the bureaus, and requested investigation via postal-mail, on XX/XX/2019. I expected to receive a response from the bureaus within 30 days, alerting me that the accounts have either been corrected or deleted. As of today, 44 days have passed without a response, and this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Subject : Urgent : Incorrect Information Dispute with TransUnion I hope this message finds you well. I am writing to address a pressing issue regarding the information on my credit report with TransUnion. 

Upon utilizing the dispute feature on their website, I encountered challenges in rectifying inaccurate and detrimental details associated with my name. Unlike other credit agencies such as XXXX and XXXX, the TransUnion system appears to be automated, lacking the option to submit a claim or documentation for updating AKA ( also known as ) listed names. 

While XXXX and XXXX promptly resolved similar issues by allowing me to upload relevant information and a detailed letter explaining the matter, TransUnion 's dispute options for name changes have consistently resulted in automatic rejections. The accompanying message suggests an inability to update this specific information. 

I am reaching out to request urgent assistance in rectifying these inaccuracies. The information in question is not valid and must be promptly removed from my credit report. To facilitate this process, I am prepared to provide any necessary documentation to support the correction of my personal details. 

I kindly request your prompt attention to this matter and guidance on the appropriate steps to rectify the inaccuracies on my TransUnion credit report. Your cooperation in resolving this issue is greatly appreciated. 

Thank you for your prompt attention to this matter. 

Sincerely,

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 2021-04-30
Company: AR Resources, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never had an account or contractual agreement with the company AR Resources. I never received any documents via mail from this company, never spoke to anyone from this company and I do now owe this company any money! I have disputed this with XXXX  and it is the only credit reporting agency that has not removed the this account that was never mine from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 1681XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2021-06-30
Company: EQUIFAX, 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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECIEVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECIEVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
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: Investigation took more than 30 days

Complaint:
To whom it may concern, On XX/XX/XXXX    I sent a letter via certified mail to Experian a national credit reporting agency. Attached to this letter was a photo copy of my identification and a utility bill. These item were to show proof that said letter was coming from me DIRECTLY. In the letter I simply requested them to provide me with their validation procedures for debt claims falsely placed on my credit report. Also asking them to delete any claims that did not follow those guidelines. Along with the following request which by law I am entitled too. 
1.The name of the original creditor 2.The creditors address and telephone number 3.The persons name they verified the dispute with 4.The documentation used to verify the dispute On XX/XX/XXXX I was sent a computer generated reply stating that the letter was not from me, so no action/changes ( tho harmful ) would be made on my behalf. 

I AGAIN sent letters on XX/XX/XXXX regarding the same and other issues that this company is continuely reporting on my credit. Only to be met with the same computer generated email/letter on XX/XX/XXXX. All of the above attempted communication with this company has been sent with photo ID and a utility bill proving this communication is from myself directly. 

It is my opinion that this response is dismissive, negligent, and showing zero discernment in this companies harmful practices. This seems to be a deterrent of my rights to a TRUE investigation afforded to citizens by the Fair Credit Reporting Act. 

It has now been well over 30 days and I have not received my due process of the above issues.

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 2022-07-14
Company: SYNCHRONY FINANCIAL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2022 a collection was added to my account I had to knowledge of. I received phone calls from people who gave me no information so I was skeptical. Once I received notice of collection actually hitting my credit report I made payment. I was not given any warning to pay prior to going to collections. Balance was {$1900.00} and I settled for {$1000.00} within a week. I believe it is unfair to report because I was blindsided by the debt which occurred in 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