BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Problem getting your free annual credit report

Complaint:
On XX/XX/2019, I successfully received my XXXX credit report online, but was unable to access both my TransUnion and XXXX   credit reports. 

Instead I received a message stating 'an error occurred ' after following the online prompts for the two subsequent reports after downloading the XXXX  report. 

On attempting to regain access to the two reports I didn't receive, a message was displayed stating I had already received my free reports. This was a false statement as I did not receive either report from XXXX or TransUnion.

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 2020-06-05
Company: Millco Management
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Supposedly, the case was open on XX/XX/2014. The debt amount is {$1200.00}. I was in XXXX XXXX and I wasnt aware of the situation being filed on my credit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2019 I tried calling Equifax to release a freeze on my credit. I gave them all the information requested but they were still unable to check my credit/pull off my freeze. I need this for my business and need it to be handled in order to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently refinanced with XXXX XXXX  XXXX and my first payment was due on XX/XX/XXXX. I went to their website on XX/XX/XXXX to make the payment and their system would not allow me to make just the XXXX payment, it required me to make XXXX & XXXX. I was forced to make both payments because if I didnt, then I would be penalized with a late payment. The next morning, XX/XX/XXXX, I called them to see if I can adjust the payment to just XXXXXXXX payment and pay XXXX at a later date. The representative on the phone advised me to cancel the entire payment and he would then transfer me to someone else to re-do the payment to just cover XXXX. I was very concerned that if I cancelled, they would report it late on my credit report but the agent reassured me that they would not report it late. I agreed to cancel and he transferred me to make the single payment. When I tried to make the payment with the next agent, she told me that they no longer had my loan and it was transferred to another lender and I was unable to make the XXXX payment with them. When I called the new lender, they advised me that it would take at least 10 days to see the loan in their system and told me to call back then to make the payment. Now XXXX reported me late for the XXXX payment and I am requesting they remove that late payment from my Transunion credit report. The XXXX agent gave me incorrect information. If you check the records, my payment was made on-time ( not 30 days past due, it was 29 days ) and it was cancelled the next day. It is unfair to force consumers to pay 2 months before the month is technically over. If it was not for the agent giving me the incorrect information, my credit would not be effected.

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 2019-05-09
Company: Experian Information Solutions Inc.
State: MN
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:
Experian Please delete the following accounts from my credit files asap due to FCRA 623 THE LAW IS VERY CLEAR CREDITORS MUST MUST enter consumer dispute message on the report delete the following accounts ASAP XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts had been updated many times and its time for you to remove them. 
ASAP THEY CAN NOT REPORT ON THE CREDIT FILE ALSO ENCLOSED HOW MANY TIMES THESE ACCOUNTS HAS BEEN UPDATED FROM YOUR COMPANY AND THESE MESSAGE HAD NOT BEEN ADD IT REMOVE IT ASAP YOU HAVE TO DO YOUR JOBS AND FOLLOW THE LAW THE LAW IS VERY CLEAR

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 2022-02-09
Company: Colony Brands, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacted on 2 separate days from XXXX and XXXX claiming to be a collection agency collecting outstanding debt. in my name from the online store XXXXXXXX XXXX. I've never used this store and I would not provide my last 4 of my SSN, my DOB or mailing address.

When I asked them what they had for a mailing address on file they replied XXXX, TX. I have never lived there. 

I told them they could file a collection against me because it is not my debt and I wasn't paying it nor was I providing any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Experian Information Solutions Inc.
State: CA
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 am having an issue with the listed banks that I only want to do pre qualification. Their websites concluded this however they were illegitimate and unlawfully used as inquires. I have tried countlessly to explain to these companies customer service, via mail and phone. However, I would just be put on hold for hours, not respond and they would not help as well as take care of the negative inquiries reported on my credit report. These are the following. 

XXXX XXXX XXXX XXXX XXXX, XXXX Bank Credit Cards XXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX, XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY XXXX XXXXXXXX XXXX, XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX Retail, Not Elsewhere Classified XXXX XXXX XXXX XXXX XXXX, CO XXXX BYMAILONLY XXXX XXXX XXXX XXXX, XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN 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 2022-02-09
Company: EQUIFAX, INC.
State: GA
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:
attached isa offfial copy of my chapter XXXX bankruptcy discharge date and time XXXX number from the judge who discharged my bankruptcy XX/XX/XXXX XXXX proof!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XX/XX/XXXX Dear XXXX, TransUnion It is now XX/XX/XXXX you received the first correspondence on XX/XX/XXXX which means your 30 days to Validate such has expired. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. Also as of XX/XX/XXXX, all public records are to be removed you have  yet to comply. My mother is in the advanced stages of XXXX, therefore, I am dealing with our family attorney to handle her affairs. Per our attorney, You are in direct violation of my rights If I owe such debt let the collections agency send me validation, You do not have the right to play GOD with someones family. I request an immediate deletion of all negative items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX my wallet was stolen which contained all my personal valuables including my bank cards and identification cards. 
I did file a police report and reported to the fraud dept of Bank of America. 
Bank of America is not helping to fix this issue as my credit card was used to purchase items worth over a thousand dollars and Bank of America is saying I have to be responsive for that payment made from my stolen card.

Bank of America claims credit cards have pins and my pin was used on purchases but my credit card has no pin.

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 2022-02-09
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 is missing that should be on the report

Complaint:
I filed for bankruptcy in XX/XX/XXXX and it was discharged in XXXX of XXXX. I signed a reaffirmation agreement prior to the discharge of the bankruptcy and our attorney sent it back to the lender ( XXXX XXXX XXXX XXXX XXXX ) . The bankruptcy was discharged under Chapter XXXX however the loan is not showing on my credit report at all and it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
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:
ftc violations attached Fair Debt Collection Practices Act Great Seal of the United States Long title An act to amend the Consumer Credit Protection Act to prohibit abusive practices by debt collectors.

Acronyms ( colloquial ) FDCPA Enacted by the 95th United States Congress Citations Public law Pub.L. 95109 Statutes at Large 91 Stat. 874 Codification Titles amended Title 15 U.S.C. sections created 15 U.S.C. 16921692p Legislative history Introduced in the House as H.R.5294 by XXXX XXXX on XX/XX/XXXX Passed the House on XX/XX/XXXX Passed the Senate on XX/XX/XXXX with amendment House agreed to Senate amendment on  XX/XX/XXXX ( ) Signed into law by President Jimmy Carter on XX/XX/XXXX United States Supreme Court cases Sheriff v. Gillie , No. 15-338, 578 U.S. ___ ( 2016 ) Henson v. Santander Consumer USA Inc., No. 16-349, 582 U.S. ___ ( 2017 ) Rotkiske v. Klemm, No. 18-328, 589 U.S. ___ ( 2019 ) The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ]

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Like 143 million other Americans, I was the victim of a devastating leak of personal information that will leave me susceptible to identity theft for the rest of my life. In order to try to minimize the fallout of this egregious breach of consumer trust, it was a necessity that I place a credit freeze on all my credit files. And yet, even though the events forced me to place this freeze were beyond my control and no fault of my own, I was forced to pay {$10.00} to each of these bureaus to place the freeze, and will be forced to pay again should I need to thaw my credit files. This simply is n't right. Credit freezes and thaws should be free. Freezing your credit is a protective measure, and consumers should n't have to pay to protect themselves, especially when it 's to protect themselves from the incompetence of these credit bureaus that are allowed to accumulate so much personal information, without consent, on so many Americans.

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 2022-02-02
Company: Experian Information Solutions Inc.
State: WI
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 continue to see unverified and erroneous accounts listed on my credit profile. I have repeatedly asked for an investigation into this accounts as well as verification of these accounts and have yet to get a response or receive written, signed documentation that these alleged accounts are mine. I do not recall opening the accounts and they continue to be reported on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
After my student loans had went into repayment the payment amount was too high. As a result of the high payment I had applied for options regarding a lower payment. The documentation that was requested to make arrangements was sent to the company. The documentation was either not enough or not what they needed. As a result to the runaround my credit report shows that I have 84 missed payments from XX/XX/XXXX-XX/XX/XXXX a total of six missed payments for each student loan account as they are not consolidated. I was finally able to get onto an income driven repayment plan after speaking to the right person and bring the account to current.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I tried to send money to my brother at Western Union my I dont understand they just told me to refund was going to be sent to my mom. XX/XX/2018 {$200.00}. Company never helped me 800 number was rude and said I cant send money. Can U get treated fair. Me my brother and family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: CONTRACT CALLERS INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never received anything in writing about this debt and it has been placed on my credit report as a collection. I believe this may be a time barred debt from XXXX, yet the collection agency put this on my report as if it was opened in XXXX of XXXX. The statute of limitations has passed on this debt and I would like for this to be removed from my credit immediately and for all the " hang up '' and repeated phone calls to end immediately.

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 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XX/XX/XXXX filed an identity theft report on with the Federal Trade Commission. My cell phone, bank accounts, credit card accounts, transunion account, email accounts were all compromised. You can ask my credit card lender XXXX bank. Ask XXXX for charges on my account from California. All 3 Credit Agencys had my name wrong. I have sent birth certificate, marriage license, pass port. Yet till this day transunion will not correct my name. a collection for a XXXX on my account from XXXX on my account saying I owe them {$23000.00} A XXXX XXXX XXXX bill for a doctor from the emergency room. XX/XX/XXXX. The patient admitted to the hospital that day under my social security number was born XX/XX/XXXX All 3 credit Agencys would deny me access to my file. 
XXXX was denied information from TransUnion on a email address they had on file that was not mine. I never had another email with transunion other then my current one. 
I have credit applications for the same company days, weeks apart. Really losing hope

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 2021-08-04
Company: NAVY FEDERAL CREDIT UNION
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 I recognized that my credit was being used and there was unauthorized hard inquiries on my credit report from someone attempting to obtain credit in my name. I have filed a police report, and sent a formal letter to all three credit bureaus stating that I was victim of identity theft and fraud. I also placed a fraud alert on my credit. XXXX  was able to remove all of the inquiries, however, when I contacted XXXX  and XXXX  on XX/XX/2021 they refused to remove the unauthorized hard inquiries even though I mailed in a dispute letter with a police report attached. I am very furious because these fraudulent inquiries have hurt my credit and I am now not able to even apply for anything myself because the inquiries dropped by score 50 points. There are 7 inquiries on XXXX  and 5 on XXXX  that I need removed immediately. The companies involved are Navy Federal, XXXX XXXX, XXXX XXXX, XXXX, and XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: EQUIFAX, INC.
State: GA
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 have new and updated information regarding my consumer report. 

I have previously disputed alleged accounts for XXXX XXXX XXXX XXXX XXXX XXXX, and Department of Education however, Equifax alleges it performed an investigation and the items I disputed were verified as accurate. Pursuant to 15 USC 1681a ( e ), an investigative consumer report was to be completed upon my request however it was not. Furthermore, neither Equifax or any creditor possesses the power to verify that any information on my consumer report is factual information. Only I can, as I am the consumer. I am verifying that the following accounts are not factual and must be blocked and deleted from my consumer report : XXXX. XXXX XXXX. Department of Education XXXX. XXXX XXXX XXXX XXXX XXXX XXXXk XXXX. XXXX XXXX. 

Also the following inquires must be blocked and deleted as they are not accurate : XXXX. Equifax XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 2019-10-02
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I submitted my application for the 'Borrower 's Defense To Repayment ' plan over 2 years ago and it is still in " processing '' status despite the fact that I am MORE than qualified to have my loans forgiven AND {$18000.00} in what I've already paid on them reimbursed. The for-profit institution I attended was XXXX so proving they broke the law wasn't hard. 

It's bad enough this Secretary of Education is stringing me along and having me believe the program I have no faith in actually reimbursing me will pay out, but it seems now that she's selling students debt info to debt financiers and now my federal loans are being chicken hawked by shady debt goons hoping to put me in more financial ruin. As soon as Secretary XXXX finished her sham legal battles this year ( which ground all repayment programs to a halt ) I started getting student loan forgiveness calls from the 'Student Loan Advisory Board ' which I've requested to stop. 

XXXX XXXX is a menace and should be lumped in along with her brother into the current Presidential investigation. I've never experienced anything so insulting and absurd than the way she has treated these programs meant to lift people out of poverty and despair.

Company response to consumer: Closed with explanation