BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
On XX/XX/2020 my credit score went from XXXX to XXXX. I put in a dispute with TransUnion. They accept my dispute and my credit went up to XXXX. Then on XX/XX/XXXX my credit score went from XXXX to XXXX. I disputed that the XXXX account # XXXX was still active and not closed. They disagreed. They took this card off of my credit report. This card has a credit limit of {$4600.00} and a balance of {$29.00}. I would like this credit card used to show my proper credit score. I would like my XXXX credit score reassigned.

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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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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:
Bank Of America Account # XXXX is giving me a hard time reporting a 30 day late payment for XX/XX/2018. I have been a customer for over 7 years for Bank of America where I have reached out to them and the 3 credit bureaus over 2 months ago and still haven't heard anything back regarding this late payment. See attached documentation below.

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 2020-09-03
Company: Nelnet, Inc.
State: OR
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:
My student loan processor, Nelnet, has provided me with incomplete and confusing information, in my opinion to intentionally mislead me into consolidating my loans even though this then disqualified me from Public Service Loan Forgiveness. 

I have been pay my loans since XXXX and have been enrolled in plans intentional so that I would qualify for public service loan forgiveness. 

As recently as yesterday I was again told by, this time XXXX XXXX,  that I do not have any direct loans and need to consolidate my loans again. As I started this process I was then informed by Nelnet that I do have direct loans and I would have qualified but that Nelnet consolidated my loans in XXXX and that restarted the clock on my PSLF. In XXXX I was enrolled in PSLF and also a payment plan that qualified and have always worked in public service for a qualified employer. So I asked the Nelnet worker why would anyone consolidate their loans if they are working towards PSLF. The worker reported there is no reason to have consolidated, that is does not reduce your payments and there is literally no benefit to doing this. He said many many people do consolidate and he does not know why anyone would. 

Why if there is no benefit to consolidating federal student loans other that setting back the clock on the PSLF, which is only a benefit to the loan processor are these companies allowed to mislead their consumers into consolidation. 

Again I was told I had to consolidate to qualify for PSLF, this was not true and instead it set back the clock for PSLF by 8 years. 

I believe these loan servicers are intentionally misleading consumers into these consolidations. The numbers of people that have consolidated even though, by their own admission there is literally no benefit to this is proof of this. 

Please look at the number of people that have been mislead into consolidating their student loans by predatory practices as this causes a huge amount of debt to many students, public servants and probably is responsible for great increases in the national student debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
I have a Capitol One Visa account ( ending in XXXX ) which I pay in full with monthly automatic payments from my Capitol One 360 checking account. On XX/XX/2018, I paid the pending XXXX amount due ( {$6900.00} ) because I knew I wanted to make another charge which would take me over my limit ; I also paid an additional {$1.00} which I had charged. A few days later I noticed the Visa account showed the XXXX amount due as still scheduled for payment. 
So I called Capitol One Visa at XXXX ; I reached a young man who blithely insisted Capitol One Visa would never take money from my checking account if it had already been paid. He insisted there was nothing I could do to get that algorhithmically-generated amount deleted, but dont worry! 
On XX/XX/XXXX I find an email telling me Capitol One is taking the money. On-line, I, indeed, see that Capitol One has withdrawn {$6900.00} from my checking account -- although I had paid that amount on XX/XX/XXXX. 
At the same phone number multiple first-name only " supervisors '' tell me it will take five days to refund my money. And they say nothing about interest which they owe me on either the amount I paid XX/XX/XXXX or on the amount they removed in a microsecond on XX/XX/XXXX. I ended up talking with a XXXX. She insisted Capitol One Visa procedures can not be over-ridden. 
So, Capitol One Visa gets use of my {$6900.00} from XX/XX/XXXX through XX/XX/XXXX, then gets use of another {$6900.00} from XX/XX/XXXX through probably XX/XX/XXXX. And I don't earn any interest which would have accrued had Capitol One Visa handled the financial transactions correctly. 
There are computer programming failures here as well as training issues for employees who answer phones and give information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28
Company: EQUIFAX, INC.
State: OH
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 received an email that had the wrong SSN and wrong information with my name attached to some accounts on my credit report. The statement in XXXX wasn't made by me which makes the information is fraudulent and I demand that each account be deleted immediately. The statement in the XXXX report wrong numbers asking to verify information to me using wrong phone numbers and adding wrong SSN numbers. 
The accounts that are not mine : XXXX XXXX XXXXXXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX My correct information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-02-04
Company: EQUIFAX, INC.
State: AZ
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:
EQUIFAX deleted 3 fraudulent accounts and hard inquiries off of my credit report and file that I filed identity theft for starting XX/XX/XXXX. I never gave EQUIFAX written consent to furnish any of these accounts and inquiries on my credit report and file, violating 15 USC 1681b ( a ) ( 2 ). 

This violation was stated in an Affidavit of Truth sent on XX/XX/XXXX for furnishing a XXXX XXXX account without my written consent. ( proof of them receiving it attached ) EQUIFAX compiled by deleting all of the accounts and inquiries I demanded to be r

emoved, but did not compensate me for the violations they committed against me. This is unlawful and against the FCRA.

Pursuant to 15 USC 1681n of the FCRA, I am to be compensated for any violations committed against me. 

Attached is an invoice I sent with the Affidavit of Truth sent on XX/XX/XXXX. 
Equifax has this invoice in their hands and did not comply fully with federal law protocol for their unlawful acts. 

As mentioned, attached is the invoice I sent on XX/XX/XXXX. I also attached an invoice for all of the additional violations EQUIFAX committed against me from all other accounts and hard inquiries they furnished without my expressed written consent- totaling twelve ( 12 ) additional violations. I demand EQUIFAX compensate me for the violations they committed against me. 

Proof of all deletions is attached. 
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 2019-08-26
Company: Navient Solutions, LLC.
State: NJ
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:
Navient forces you to pay the interest owed first before applying any amount to the principle even if I make multiple payments a month or over pay. I make payments and my balance only changes by a cents, nothing significant. When ever I reach out to them to correct how my payment was applied it takes 7-10 days. When I ask them specific questions about my loan the answers are always generic and computer like. I am frustrated and tired of how my loan is being mishandled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
You are reporting inaccurate accounts on my credit report!! You must remove all of these accounts as soon as possible. This is not mine!! IM WORKING DAY AND NIGHT JUST TO HAVE THIS?? THIS IS UNACCEPTABLE!!

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 2022-12-21
Company: Experian Information Solutions Inc.
State: IL
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:
In accordance with the fair credit reporting act XXXX Account # XXXX, has Violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2020-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX ; XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$2900.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Student ID for identification purposes so the bureaus will investigate my complaint. ) I had GAP Insurance and all outstanding balances due were covered. ( I have attached a copy of my GAP paperwork for reference. ) The statement break down is as follows : Scheduled Loan Balance at Date of Loss : {$15000.00} Plus interested earned : {$19.00} Less Net Insurance Settlement : XXXX {$9600.00} ) For a TOTAL GAP payment of {$5400.00} Clearly the GAP payment more than covered the {$2900.00} that the bureaus are currently reporting. This account needs to report a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this line item however, I have not been successful.

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 2023-04-15
Company: EQUIFAX, INC.
State: NC
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:
The below listed accounts had violated my federally protected rights of privacy under 15 USC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX * 5 USC 1681, section 604 A Section 2 : also states, a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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 crime, which add a date to the report by more than seven years. 15 USC 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 calls to believe that the information is in accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Please help!! My name is XXXX XXXX and I obtained a mortgage with XXXX XXXX in XXXX of XXXX for {$140000.00}. It was sold to XXXX XXXX where a remodeling cash-out occurred increasing the balance to {$180000.00}, then sold to Bank of America when the balance was {$170000.00}, now XXXX with a current {$220000.00} balance. 
My current complaint is with Bank of America who purchased the mortgage for {$170000.00} in XX/XX/XXXX. Due to a hardship, I missed payments and also filed bankruptcyXXXX  XXXX, my balance was XXXX at that time. 
Bank of America completed a loan modification in XXXX of XXXX when my balance was {$170000.00}. 
At that time a " misc ' posting was listed in the amount of {$18000.00} on XX/XX/XXXX increasing the balance to {$190000.00}. Then there was a " principal adjustment '' posting of {$32000.00}, also on XX/XX/XXXX increasing the balance again, totaling a new balance of XXXX XXXX.Additionally the terms of the mortgage was restarted at 30 years after 12 years of payments. 
Not only did this modification make all payments for 12 years ( since XXXX ) null and void, it also increased the mortgage by {$51000.00} which does not include any cash-out, this " new money '' is all noted as miscellaneous and adjustments. This resulted in an upside down mortgage and me starting over with no credit for previous payments or decline in years of payments completed.

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 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TransUnion, I was a victim of identity theft - and as a result have had my credit ruined from fraudulent activity. 

See attached. 

drivers license social security card address complaint FTC report for identity theft I expect all of this fraudulent activity to be removed immediately upon receipt.

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 2023-08-09
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: Their investigation did not fix an error on your report

Complaint:
I have inquiries that are inaccurate and need to be removed from my report asap!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
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:
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 1681.

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 response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/XXXX, I contacted Experian, to dispute that XXXX XXXX, is being reported incorrectly, but on XX/XX/XXXX, Experian, refused to correct the error, and updated my report with information that the alleged balance is correct. The error is in regard to a one-hundred-ten-dollar ( {$110.00} ) filing fee from a fruitless lawsuit XXXX XXXX, filed against XXXX XXXX, on XX/XX/XXXX, in XXXX XXXX  Municipal Court, which was later dismissed at XXXX XXXX 's request by the Court, on XX/XX/XXXX. XXXX XXXX, has tried to correct the error with XXXX XXXX 's Attorney, and XXXX XXXX, who responded that it believes there is no error, on XX/XX/XXXX, with no later response. Please find the attached Notice to Dismiss from XXXX   XXXX, and report from Experian ( uploaded as " untitled '' ), as well communications with XXXX  XXXX, in regard to this error. There should be no doubt that this error is being overlooked, XXXX XXXX is providing false information, and Experian, has material evidence.

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