BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion is reporting unverified inaccurate bankruptcy on my credit report claiming the information was verified by data furnisher XXXX. So I went to XXXX directly to verify and as a result of there investigation, they are not showing any bankruptcy in there files. I sent the results of the investigation to Transunion on numerous occasions and they responded XX/XX/21, XXXXwith file # XXXX verified as accurate and NOt specified on XX/XX/21 file # XXXX from data furnisher. How can Transunion verify information that does not exist in there files, letters enclosed. Transunion seems to not be verifying the letters sent or totally ignoring my request to delete the unverified bankruptcy from my report by just sending a computer generated response.

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 2022-12-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately. 

Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2021-08-21
Company: Experian Information Solutions Inc.
State: LA
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:
Experian is reporting inaccurate and errors on my credit report. The incorrect information is with the creditor XXXX XXXX. Experian have the estimated account removal date as XX/XX/2021. This account is way past the statue of limitations and should be removed for my credit report immediately. XXXX and XXXX does not have this account on my credit report and when I disputed it previously with those two credit bureaus it was removed for inaccurate information.

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 2021-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are multiple inquiries on my report I do not recognize

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 2017-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
For the last six months XXXX XXXX owned credit reporting agency, TransUnion has refused to fix an erroneous entry on my credit report. 

Worse - they wont even permit me to submit proof of not owing this debt. 

For six months they have knowingly and intentionally added to this debt as well - every single month. 

So, not only is the information entirely fraudulent, the amount is perpetually climbing from one month to the next with no supporting evidence or explaination.

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 2018-06-13
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a mobile deposit on XX/XX/XXXX which is deposited on XX/XX/XXXX. I made my mortgage payment & other transactions on XX/XX/XXXX. Now BBVA Compass is charging me {$160.00} in fees for those charges on XX/XX/XXXX.  Screen shots of my bank activity from my BBVA Compass mobile app are attached for your reference. After 2 hours on the phone with various people & a trip down to my local branch, I was told they will not waive these fees that are clearly errors within their system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-08
Company: Equitable Acceptance Corp
State: TX
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 signed up for loan forgiveness with Equitable Acceptance. Upon further research I found out from my lender Equitable Acceptance can not forgive my loans and is in no way providing any loan/debt relief help. I was further informed that no such company exists that can offer loan forgiveness and I need to take action to cease communication with these scammers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: Bread Financial Holdings, 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: Credit inquiries on your report that you don't recognize

Complaint:
This account is a litigation, the balance is incorrect, and I need this account closed not only closed but removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2019 I cashed a {$400.00} check at Peoples United Bank on XXXX XXXX in XXXX XXXX, Ma, XXXX at the drive through window. The bank employee gave me an envelope with what I assumed was {$400.00} in it ; I trusted the bank and did not count it. I drove directly to my credit union with the unopened cash envelope, XXXX in XXXX, MA, and went inside to the ATM to deposit {$380.00} into my credit union account. At that time I opened the envelope and counted 14 {$20.00} bills, 2 {$5.00} bills, and 1 {$10.00} bill. There was only {$300.00} in the envelope which should have contained {$400.00}. I recounted the money several times and also had a credit union employee count it. I was definitely shorted {$100.00}. 
I immediately called Peoples United Bank and explained what had happened. This was approximately 15 minutes after I had left Peoples United bank. I spoke with a woman who said she had waited on me and would count the drawer. She also said that she remembered counting out {$380.00} in $ XXXX, 2 $ XXXX, and 1 {$10.00}. I told her there was only {$280.00} in $ XXXX, 2 $ XXXX, and 1 {$10.00}, that the envelope was short {$100.00}. I had to go to a doctors appointment at that time and she said she would call me after the drawer was counted. 
The manager called me back while I was in the doctors office and said that the drawer came out correct, I told her that I was in the doctors office and would stop by on my way home to talk with her. When I stopped at the bank I realized that she, the bank manager, was the same woman who waited on me earlier that morning. I felt very uncomfortable that the same woman who shorted me was the top of the chain of command in the bank, so when I got home I called the customer service call center and spoke with a supervisor requesting a call back from the regional bank manager. 
After contacting the regional bank manager, XXXX, and according to XXXX, an investigation was done and the drawers were counted and came out correct and the video was reviewed and nothing looked wrong. The {$100.00} is missing with no logical explanation. 
Yes, I should have counted the cash before I drove away, that was my fault. But the money was short by {$100.00} which I have to write off as a harsh lesson learned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
All three CRA 's have yet to fic the issue of a BK on my credit report that to this day affects my family getting the chance they deseve. Going back 5 years now Transunioun, XXXX and XXXX continue to report a discharged zero balance BK that was never proven with court records. I have never been to court, paid a dime or discharged or have any debt forgiven in such a manner. I never attended a settlement conference, never appeared in federal court on the matter and yet here we are. The CRA 's simply check with XXXX XXXX electronically and on we go with the nightmere.

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 2022-03-29
Company: Experian Information Solutions Inc.
State: VA
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 previously filed a complaint against XXXX and the other bureaus for REDLINING my credit. My credit has not been reevaluated by the companies in over 2 months. I continue to see a score decrease or no change at all from XXXX. Most recently I have had success removing a high balance of {XX/XX/XXXX} down to {XX/XX/XXXX} on XX/XX/2022. XXXX is stating that the collection is only showing a balance of {XX/XX/XXXX} and no previous high balance. Which means that there was no change to the collection account when there actually was a signifigant change. The remaining {XX/XX/XXXX} is set to be romoved by XXXX XXXX XXXX once the State of Maryland updates. I have no other collection accounts on any of my reports. I have continued to be REDLINED by these bureaus.

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 2021-03-30
Company: EQUIFAX, 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 am very disturbed and upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 45 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. Do not send me no automate message I need this stuff fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
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: Personal information incorrect

Complaint:
Eqifax has an address on my personal information that I have never lived at. The address is XXXX XXXX XXXX XXXX Kentucky. I know there are two other XXXX XXXX in that area. They are father and son. XXXX and XXXX. Im not sure which one lived at that address but I think it may be affecting my credit score since one or both of them may not have good credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-21
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:
There are several delinquent payments were inaccurately reported on my credit report when I was actually in deferment. I have initiated contact via several letters certified mail and via email for you to update my credit report to CRAs to show that the payments were not late and actually in deferment. I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. 

Navient representatives told me that because the delinquent payments were accurately reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX that any subsequently initiated deferments would not allow for XXXX to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. *

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 2020-06-24
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Apparently something has gone askew as I received an online notification today that my account was past due. You will note my pay record reflects that the account has been paid in full with each billing statement for years. On XX/XX/2020, I made payment of {$130.00} in full with all intention of the payment being processed on XX/XX/2020. However, for reasons that defy my understanding, your system reflected that the full balance due was to be applied on XX/XX/2020. You will note additionally that I customarily pay all credit cards in full on or before payment due date, intending this payment to be the same scenario. The confirmation # XXXX dated XX/XX/2020 reflects a month later which is highly irregular and not at all in context with my payment activity. The statement indicated payment was due on XX/XX/2020, yet I am just getting some notification today that something has gone askew. 
I would appreciate your company doing two things : ( i ) proceed to process the XXXX payment as of the intended date, XX/XX/2020 ; ( ii ) waive the late charge of {$28.00} plus the additional interest of {$3.00}, a total of {$31.00} as well as any future interest charges assessed. 
Frankly, I have never encountered an error such as this one, not with XXXX XXXX XXXX, XXXX or XXXX XXXX where I maintain other credit cards. However, it seems that every time a weird issue arises, especially where some late charge is incorrectly assessed by Synchrony. There have been issues with lack of notification of other actions where Synchrony Bank is involved and I am seriously considering terminating any further credit relationships with your bank.

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 monetary relief
Consumer complaint received 2021-04-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I am a military Veteran and have been a member of USAA for 55 years, as have been my family, including my former wife, who had a credit card with me. 

In 2019 we divorced and USAA has their policy to separate divorcing couples and forced me to close my credit card, which was below its limit, and refused to open one just in my name. So I opened a credit card to pay off that debt at zero limits, which only lasted for a year as I had been hacked, they caught the thief but I couldn't get a freeze off on my credit, and USAA limited my membership based on something other than my creditworthiness when I tried to transfer the small remaining dept back to USAA saying the reason was " previously submitted credit card application pending fulfillment ''.

I had transferred from USAA to another bank, where I also paid on time, and my FICA score is XXXX XXXX, XXXX  XXXX, and XXXX XXXX but XXXX still has a freeze on my credit that seems very outdated and I have been unable to unfreeze it, but recently I bought a {$24000.00} car, which required calling XXXX to release the freeze which evidently was temporary. I haven't been able to get any credit at all because of this freeze that USAA knows about yet did nothing to assist me. 
I am a divorced XXXX-year-old male, in good health, financially solvent which USAA knows as they have been my main bank for 55 years and have all my financial data. and

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I first called FedLoan Servicing on XX/XX/XXXX to inquire about the process of loan default resolution and after speaking to several reps and supervisors, I was informed to send my XXXX taxes to start the process of getting out of default status by starting the 3 payment process on my student loan. I was asked to fax or mail in the required documents and I did both on XX/XX/XXXX and XX/XX/XXXX costing {$100.00} to do so. After two weeks now on XX/XX/XXXX and numerous calls to the default resolution department at fedloan serving, they aren't able to locate my faxes or mailed documents to start the payment process to get my loan out of default. they provided many excuses along the way, first that their fax machine was not working, then that their backroom department managing the faxes was behind, then that the process to receive said fax or mail documents takes 10 days and lastly to send the fax during XXXX XXXX XXXX because their fax machines get inundated, which I had already done. None of the representatives or supervisors apologized or offered solutions and all had different answers and didn't seem to care. This process is very important to me as I would like to get back on track paying my student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: EQUIFAX, 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:
ILLEGAL REPORTING. 

Equifax Report : XXXX XXXX Collection {$2300.00} XXXX  Report : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Collection {$2300.00} XXXX Report : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Collection {$2300.00} I initially disputed the debt and requested validation of a debt becuase I know that the debt should not be on credit report, yet it keeps being reported. Despite sending them multiple letters, plus proof from the court that this is not a valid debt they are reporting, theyc ontinue to report it and refuse to pull this account off my credit report. 

I am now escalating this complaint higher because they are continuing to allow illegal reporting of a debt that the courts have determined is not valid. 

I am not responsible for the account/collection that is showing up on my credit report. I have never done business with this company. They lied and said I had. Then they sued me and didn't show up to court. I showed up. The judge ruled in my favor because of this. 

I have repeatedly asked them to delete this account immediately, as keeping this there violates my rights and allows this company to post and claim I owe them money when I do not. This is a problem because the credit bureaus are assisting them with violating the law by not removing this faulty debt that does not belong to me.

Company response to consumer: Closed with explanation