BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 reported an alleged XXXX XXXX credit card account to Transunion credit reporting bureau for investigation. 
After the merchant, XXXX XXXX XXXX, erroneously reported 34 charge-offs On one credit card, Merchant refused to provide any XXXX or Validate said debt pursuant to the FDCPA. 
Charge offs become the consumers income after being charged off and Said merchant refused to provide XXXX and Transunion credit reporting bureau did not properly investigate this issue.

The Transunion credit reporting bureau continues to illegally report late payments and credit utilization on my consumer report. 

The XXXX XXXX account reporting is in violation of 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) which states that my " consumer report should not include Transactions or Experiences between the consumer and Person making report. 

Transactions subject to the foregoing include the line of credit extended to consumer by corporations and how it is used. This is being reported on my report by said credit bureau as " Payment history '' Experiences subject to the foregoing include the amount of credit being used by consumer. This is being reported on my credit report as " Credit utilization ''. 

Further, Transunion has confirmed receipt of my dispute demand for removal of fraudulent and unauthorized inquiries affidavit statement which they refuse to remove. 

Further, Said credit bureau continues to report late payments allegedly pursuant to my student loans on closed accounts. 

Further, said credit bureau refused to remove a fraudulent collection account from " XXXX XXXX XXXX XXXX '' / '' XXXX '' in the amount of {$24000.00}. Said credit bureau is in receipt of fraud affidavit et.al. ( See attached ) All of the foregoing violations are subject to 15 USC 1692 ( k ) and said violations are preventing me from getting credit and approved for financing. Transunion Credit Reporting Bureau is damaging my credit worthiness.

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 2021-09-08
Company: AES/PHEAA
State: MO
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 am submitting a complaint onFedLoan Servicing due to unfair status claims regardingPublic Student Loan Forgiveness qualifying payments and the extremely slow process of reviewing my current employment status. 

1. Payment and PSLF : In XX/XX/XXXX, I felt that I should be getting close to repayment numbers that would allow me to qualify for Public Student Loan Forgiveness ( PSLF ). When delving into my accounts I noticed that there were an inordinateamount of " Your payment was received outside of payment period window '' flags on payments over the years ( see files 1-2 ). As someone that is not a late payer on anything ( I have an over XXXX credit score ) I was instantly shocked to see so many of those. So, on XX/XX/XXXX I started an online chat with someone at FedLoan Servicing. As you can see in the chat transcripts ( file 3 ) the staff member, XXXX, acknowledged that some of the " late payments '' were not late at all but simply short a small amount of money most likely due to a billing error ( Why would I pay $ .1- {$5.00} short of a bill that is hundreds of dollars if not a billing error? ). She said that she would make note and get the {$.00} changed to qualifying but couldn't do that for the ones that are more than that ( even though, as mentioned, it was most likely pulled from a previously paid bill already ). Again, I am unclear as to why their billing issues result in my not qualifying for payments properly. That is incredibly unfair and feels manipulative. Also, it has been well over a month since I spoke with XXXX and none of those {$.00} " late '' payments have been changed to qualifying payments. 
2. Reviewing Employment Status : Also listed in the chat ( file 3 ) you can see that I asked about my updated employment information so that the current months can also qualify towards PSLF. I know they spoke to my boss on the phone toconfirm that I still work there so I'm not sure what the hold up is otherwise. I have also continued to work for the same employerfor eleven years now anyway. I fear that they are purposely dragging their feet during the forbearance time and I am incredibly frustrated. 

Lastly, I have received word that FedLoan Servicing will cease being my loan provider in the coming months. A new service provider potentially comes with a new interface, new processes, and I fear that my information and previous complaints/requests will be lost in the shuffle of transferring to a new company. I would like these problems solved as soon as possible and before the service is switched to a new company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently pulled my credit because I plan to purchase a home soon. I saw a couple of things on my credit report that where unfamiliar. I did not approve these and would like to have those items removed from my credit. I am doing this on my own and have contacted the FTC and my local police here.N/A ( XXXX XXXX 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 explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please look at the attached documents to understand what happened to me and my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being 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 explanation
Consumer complaint received 2019-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2021-01-30
Company: EQUIFAX, INC.
State: TN
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:
My credit card balance is {$0.00} on my XXXXXXXX XXXX XXXX and all three bureaus keep showing it as {$10.00} over the limit. Then they won't let me dispute the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: WELLS FARGO & COMPANY
State: WI
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:
After 13 years of being divorced, my ex-husband finally refinanced the HELOC loan for his house that we once shared. This Wells Fargo HELOC loan was paid off ( refinanced out of my name into a new loan in just his name ) on XX/XX/19. Wells Fargo will not report this loan as being paid off/closed. Wells Fargo continues to report it as an open account on both of our credit reports that is being paid as expected. I have sent 4 credit disputes through XXXX with the latest being XX/XX/XXXX. Each dispute comes back as being reported correctly. I have the satisfaction of mortgage proving this was paid off but, Wells Fargo insists on reporting it incorrectly. I have called Wells Fargo 3 times and have filed disputes with their own credit department to no avail. PLEASE HELP. THIS IS RIDICULOUS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have submitted a dispute to XXXX, XXXX and Transunion regarding a XXXX Account reporting on my credit report. It continually drops off and reappears displaying a balance of XXXX and balance dates, status dates continually changing from time to time. Its displayed as account status closed with a payment status as charged off. This is accurate information and this should be removed. I would like a letter of confirmation when completed as well. 
There is also a XXXX XXXX XXXX account that is not mine that is being displayed and I have submitted to be removed and again no resolution where it continually appears and reappears with revolving dates.

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 2019-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Credit monitoring reporting bureous transunion, XXXX, XXXX must be removed and replaced by new credit bureous that can protect the consumer rights and provide the true information as needed. transunion, XXXX, XXXX collect any reported information ( some of them are incorrect information ) and impact the credit scores. They can make the poor score to excellent score or they can make the excellent score to poor score without a true base. Within the current financial system this actions play a big role for a hourly working personal and can impact the Financial status. We have to immediately terminate transunion, XXXX, XXXX to stop them to violate human, financial and economic rights. 
We truly need a new modern bureous that can monitor and report the information based an reality, contracts, fairness, responsibilities.

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 2017-12-11
Company: AES/PHEAA
State: TN
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:
On XX/XX/XXXX and XX/XX/XXXX, I submitted inquiries via XXXX 's online system requesting information and an explanation as to how my income based repayments were being distributed amongst my loans. A far larger portion of thte payments is being applied to the lowest interest rate loans, despite my having previously submitted requests, in writing, regarding application of payments ( namely to highest interest rate loan first ). I have been unable to determine whether the distribution of payments ( again, a substantial amount of principal on the lowest interest loans, but only a few dollars on all others ) is required, or whether fedloan should be abiding by my request regarding payment distribution. I found no applicable information on XXXX 's site. XXXX failed to respond - I received neither electronic, written nor telephone response to my question, beyond an email confirming receipt of my submitted inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX has repeatedly tried to sue me for old debts that I can prove that I paid. In XXXX they sued me and I won the case. This second attempt to sue me was not done properly. First they called me at least 5 to 7 times a day. In XX/XX/XXXX I contacted their office to ascertain why they were calling this number again and they claimed it was still in their system. It was during that conversation they claimed they would send out documents stating that I owed money. I never received anything in the mail or in person. On XX/XX/XXXX I contacted their office after receiving a Judgement letter from the State of New York. Ms. XXXX stated that I was served, and papers were given to a family member. This is not true. I was never served and I live alone. I feel as though this law firm is harassing me for old debts that has been charged off and every method was done to pay it off. I have been in tough with the original owners of the debt. The account was closed and reported to the IRS of which I paid taxes. What they are doing is not legal and now I have a judgement against me, and I must defend my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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 no knowledge of the following account that I see on my credit report : Portfolio Recovery Associates account XXXX Please investigate and delete asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Paycheck Solutions llc
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls started XX/XX/XXXX they have been constant almost everyday 2+ plus time a day. I asked them to please stop calling me especially during work hours on XX/XX/XXXX i stated my work hours are XXXX XXXX  - XXXX XXXX  XXXX and I can not have my phone blowing up. Also sent a letter back to the company when they threaten to garnish my wages and told them they can not do that as I have no knowledge of this debt. They told me I borrowed money in XXXX  and I informed them I have never heard of them and I have no knowledge of it and I had reported identity theft in XXXX and XXXX they will not stop calling and I have them blocked until they find another number and they will start again. Also what's on caller id is different to like they don't want to be known as what they are

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Porania, LLC
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: Information belongs to someone else

Complaint:
1. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 


4. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

5. Identity Theft XXXX BANK Account XXXX : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Experian Information Solutions Inc.
State: KS
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 been attempting to dispute fraudulent and incorrect information on my credit report with each of the bureaus. I provided additional documentation regarding a dispute and investigation request, and it has been over 30 days.

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 2021-11-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I received dispute results from Experian about this bankruptcy stating that it was verified. First of all I submitted for verification of this bankruptcy and an item that was stated as being part of this bankruptcy. Both items are erroneous and the item claimed to be part of the alleged bankruptcy was deleted due to being unverifiable. The first problem is that I submitted my dispute in XXXX so why are you JUST sending results that were expected within 15 days. I know it did not take over 2 months for your investigation. As a matter of fact Experian did not even submit it until XX/XX/XXXX. The dispute letter and screenshot of submission are attached. The second problem is that Experian states that XXXX is their bankruptcy data furnisher and I sent the investigation results letter from XXXX that found this bankruptcy to UNVERIFIABLE and states that they deleted it from my XXXX report. So how is it even possible that Experian genuinely verified this item with XXXX. It doesn't exist! It was not properly investigated, only automated! The third problem is how can I have a bankruptcy with no items listed in it?! There are no items on my credit report as being included in a bankruptcy!

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 2023-03-31
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: Account information incorrect

Complaint:
I did not consent, authorize or benefit from any of the following accounts or inquires. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00}. XXXX XXXX  {$3000.00}. XXXX XXXX XXXX XXXX {$750.00}. AXXXX XXXX XXXX {$7800.00}, XXXX $ XXXX XXXX {$470.00}. XXXXXXXX XXXX XXXX {$39000.00}. XXXX XXXX {$1800.00}. XXXX XXXX {$2100.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$470.00}. XXXX XXXX {$200.00}. XXXX XXXX {$800.00}. XXXX XXXX {$330.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: Army and Air Force Exchange Service
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
In XXXX, I received a call from an unknown collection agency stating they were a collector for AAFES/XXXX XXXX. I was unclear who they were as I never received a correspondence from them nor AAFES about any debt. The representative on the phone had a very intimidating and condescending tone and threatened to garnish my wages if I did not make a payment that moment - insisting they have permission to collect payments even if it was an over payment. It was my responsibility to call them for a refund. 

My next pay check amount was nearly 100 % garnished. I had still never received any written correspondence from either the collection company or AAFES. I also did not receive a pay amount or any correspondence sent to my home. 

Letters were sent to my chain of command multiple times - that I did not even receive until after the payments were garnished from my paycheck. This means my whole entire command knew of a debt before I knew and BEFORE I could even verify it was valid. I was verbally accused I was not managing my finances from my superior after the letter was handed to me. 

Even while the payments were being garnished, I received a minimum of 10 calls per day until I was afraid to answer calls from an unknown number. I was also afraid to make any necessary purchases - not knowing how much money would be in my paycheck even if the alleged debt was paid. As it was stated before, it was my responsibility to wait for the collector to call me back and request a refund, then wait for a check to be sent to me. 

Additionally, my recent knowledge AAFES ' class action lawsuit in XXXX, gave me the courage to speak up about the injustice I faced as a military service member. I believe I was subjected to illegal collection practices from AAFES 's use of administrative offset - a procedure whereby federal payments, such as social security, veterans ' benefits, and tax refunds are withheld to collect debt.

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