BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XX/XX/2020 sent a letter to XXXX and Trans Union about XXXX XXXX XXXX account number XXXX. This was an auto loan repossessed XX/XX/2020. The letter stated there were inaccurate balances between the 3 major bureaus. XX/XX/2020 I Debt Validation Letter was sent to XXXX XXXX XXXX. I have never received a response to this request. XXXX Validation of Debt was sent to XXXX  and Trans Union for XXXX XXXX. XX/XX/2020 Second Validation of Debt was sent to XXXX  and Trans Union for XXXX XXXX XXXX XXXX I sent a letter to XXXX  and Trans Union stating some factual disputes and also that XXXX XXXX XXXX had not responded to my Validation request. XX/XX/2020 I filed a CFPB Complaint XXXX which included Trans Union and XXXX not reporting correctly according to the CFPB. XX/XX/2020 I sent a Debt Verification with specifics of the Process of the repossession, notifications, auction and payment history. This is the second time asking for validation from XXXX XXXX. I have proof this was mailed out. I also sent on XX/XX/2020 letter to XXXX Stating that a Debt Verification Letter had been sent to XXXX XXXX with all this information in it. XX/XX/2020 sent letter to Trans Union stating factual inaccuracies. I received notice on 1XX/XX/2020 from XXXX that XXXX XXXX Certified that the information was accurate. Also in that same report I saw where XXXX XXXX was adding fees to the total every month after the Charge off. Essentially late payment fees. In conclusion of this last part. XXXX XXXX XXXX did not notify XXXX of Trans Union I had sent them a dispute letter this last time either. it was not posted on my Credit report stating that. Also XXXX  was told by me in the last letter that I had contacted XXXX XXXX XXXX asking for Validation again and XXXX  still allowed XXXX XXXX XXXX to Certify the information was Accurate ignoring the FCRA. I have video of some of these documents being placed in envelopes and being dropped in the mail boxes. I have copies of certified mail receipts for some also.

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 2020-10-20
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
hi, I sent out a dispute about incorrect personal info on XX/XX/2020 and its been well over 60 days with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have 7 accounts showing up on my credit report that do not belong to me I have been disputing these since XXXX of XXXX  I have just opened up an ftc regarding identity theft these accounts in no shape and form belong to me and the bureaus are clearly notdoing anything about it they are just reporting false information. I am getting tired of this!!! 

Account Name XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), states that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report its been over XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

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 2018-01-21
Company: Experian Information Solutions 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 have had my student loans through XXXX XXXX ( now " XXXX '' ) for a number of years. Unfortunately, around XXXX of 2015 and shortly before, I experienced significant financial hardship and reached out to XXXX to see what my options were. I was told I was placed on deferment and all would be okay. I did n't even realize until now that I have 2 " 90 day lates '' from XXXX 2015. I did not know of IBR, and I thought that I was okay ( according to the XXXX Customer Representatives ). I now have negative information on 2 of my accounts ( will attach ). I believe, that if I was alerted as to this option a few years ago when I inquired, I  would not have any late payments ( in regards to XXXX XXXX " XXXX '' ) on my credit report. I would like to note that I did have 2 late payments removed recently as a result of XXXX 's exceptional customer service that I received recently. I 'm hoping that XXXX understands that I was n't informed of all of my options, and removed the " 90 day lates '' from XXXX 2015. I also hope that moving forward, they strive to be transparent when it comes to the many available options borrowers experiencing financial difficulty may have when it comes to their student loans.

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 2023-02-20
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Due to a software upgrade Truist has restricted my checking and savings for at least 2 weeks. I have had this account for 18 years. I have been to a local branch and called customer support. Due to this I am not able to access funds to pay my mortgage, car, health insurance premiums or dental insurance premium.

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 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I submitted letters to each credit bureau requesting the extended fraud alerts be removed from my credit files. I am trying to purchase a property and it's hindering the process. XXXX, XXXX, and Transunion have failed to remove the extended fraud alerts to date.

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 2018-01-21
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 have had my student loans through XXXX XXXX ( now " XXXX '' ) for a number of years. Unfortunately, around XX/XX/XXXX and shortly before, I experienced significant financial hardship and reached out to XXXX to see what my options were. I was told I was placed on deferment and all would be okay. I did n't even realize until now that I have 2 " 90 day lates '' from XX/XX/XXXX. I did not know of IBR, and I thought that I was okay ( according to the XXXX Customer Representatives ). I now have negative information on 2 of my accounts ( will attach ). I believe, that if I was alerted as to this option a few years ago when I inquired, I would not have any late payments ( in regards to XXXX XXXX " XXXX '' ) on my credit report. I would like to note that I did have 2 late payments removed recently as a result of XXXX 's exceptional customer service that I received recently. I 'm hoping that XXXX understands that I was n't informed of all of my options, and removed the " 90 day lates '' from XX/XX/XXXX. I also hope that moving forward, they strive to be transparent when it comes to the many available options borrowers experiencing financial difficulty may have when it comes to their student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: EQUIFAX, INC.
State: NY
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have had my student loans through XXXX XXXX ( now " XXXX '' ) for a number of years. Unfortunately, around XX/XX/XXXX and shortly before, I experienced significant financial hardship and reached out to XXXX to see what my options were. I was told I was placed on deferment and all would be okay. I did n't even realize until now that I have 2 " 90 day lates '' from XX/XX/XXXX. I did not know of IBR, and I thought that I was okay ( according to the XXXX Customer Representatives ). I now have negative information on 2 of my accounts ( will attach ).  I believe, that if I was alerted as to this option a few years ago when I inquired, I would not have any late payments ( in regards to XXXX XXXX " XXXX '' ) on my credit report. I would like to note that I did have 2 late payments removed recently as a result of XXXX 's exceptional customer service that I received recently. I 'm hoping that XXXX understands that I was n't informed of all of my options, and removed the " 90 day lates '' from XX/XX/XXXX. I also hope that moving forward, they strive to be transparent when it comes to the many available options borrowers experiencing financial difficulty may have when it comes to their student loans.

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 2018-01-21
Company: SYNCHRONY FINANCIAL
State: MS
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 applied for a line of credit from Care Credit at XXXX XXXX at was declined saying my score was XXXX.But through XXXX XXXX it 's showing over 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 2018-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was a customer of XXXX. Around XXXX or XXXX of XXXX, I ordered several items but I never received the order. I contacted XXXX and they issued an affidavit of non- receipt of merchandise. I completed the affidavit and faxed it to them on XXXX XXXX, XXXX. The issue I 'm having is that XXXX has placed this account on my credit file for colection. I 've disputed it several times and provided them with the affidavits but the credit reporting agencies have yet to remove them. 
In XXXX, XXXX attempted to sue for all monies due but the case was closed due to documentation I provided. 
This account should be removed from all credit files because I never received the merchandise.

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 2018-01-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I called XXXX XXXX XXXX to submit a fraud claim against XXXX an online money transfer service which took {$400.00} out of my account without my permission. I have checked the account for mircotransactions to see if XXXX used this trusted method of 2 step verification and they did not. Per their website the only other possible way for someone to use XXXX to send funds is to use my username and password for Chase ( I do not have a XXXX account and have never had one ), but I do not see that anyone has logged into my account other than myself. Upon filing this claim via phone with Chase I was informed that the only way to ACTUALLY submit the claim is to sign a form and mail it in or have it faxed. As it is no longer XXXX I do not currently have a fax machine and I do not regularly use the postal service because of the existence of the internet. This means that I am forced to either buy a fax machine ( and a landline service to attach it to ) or purchase an envelope and stamps to mail it in. Failure to mail in this form will result in the bank rescinding the account credit for the fraud and leave me ( the innocent party ) to pay for the transaction in the first place. Per Section 205.11 Procedures for resolving errors : States that if a consumer notifies an institution that an error involving an EFT has occurred, the institution must investigate and resolve the claim within specified deadlines. Errors covered by this requirement include unauthorized EFTs, incorrect EFTs, and the omission from an account statement of an EFT that should have been included. Using this logic : my phone call has satisfied the requirement of regulation E and that further notification or written statement should not be required. However, I am more than willing to provide said statement should Chase offer me a cost neutral means of doing so. I would ask that the CFPB enforce regulation E as written and not allow banks to make up their own barriers to make it difficult to file claims particularly as we may not all currently reside in the United States or have access to said measures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

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 2021-09-03
Company: EQUIFAX, 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 information incorrect

Complaint:
XXXX # XXXX is reporting a balance on my credit report. This account has already been paid and the balance should be updated to {$0.00}. This is a violation!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
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:
I am a victim of identity theft there is inaccurate reporting on my credit report especially with inquiries I currently have over 50 inquiries from someone trying to use my credit for the purposes of receiving goods and services. This is an extremely serious matter and I need these inquiries to be removed from my credit report immediately. I reached out to each credit bureau on XX/XX/2021 and the inquiries are still reporting although it's been well over 30 days since I filed a dispute. 

Attached to this complaint is a copy of the letters that I have sent to each bureau without response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-03-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am trying to refiance my home. When contact the mortage company for documents such as payoffs and netted escrow balances. They will not supply the documents needed. They keep demanding I refinance with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: EQUIFAX, INC.
State: NY
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 informed them that the amount owed is not correct nor is the account number. The buraus said they investigated but asked how was it investigated they sent back the same information. They dates I sent letter was XX/XX/20 and XX/XX/20. The amount {$870.00}, and {$550.00} both accounts went out on the same date and letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I mailed out debt validation letters to Franklin Collection Service in XX/XX/XXXX through USPS Certified  Mail. The collection agency received my request on XXXX XXXX 2017. In my letter, I requested for both accounts to be validated. I did not receive a response for account number XXXX. The collection company is allowed 30 days to respond, but I still havent received a response. IT has been well over 30 days. However, Franklin Collection Service did respond to the other account that they have on my credit file. That account number is XXXX. Although they responded, they have directly violated my rights. I was sent a bill with a list of procedures that was performed. This was a direct violation of my HIPPAA rights. They had no right to have access to my personal medical information. I will provide the paperwork that was sent to me from XXXX XXXX XXXX. I have already contacted them to try to resolve this issue. I want something to be done because this is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: Navient Solutions, LLC.
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 have had my student loans through XXXX XXXX ( now " Navient '' ) for a number of years. Unfortunately, around XXXX of XXXX and shortly before, I experienced significant financial hardship and reached out to Navient to see what my options were. I was told I was placed on deferment and all would be okay. I did n't even realize until now that I have 2 " 90 day lates '' from XXXX XXXX. I did not know of IBR, and I thought that I was okay ( according to the Navient Customer Representatives ). I now have negative information on 2 of my accounts ( will attach ).  I believe, that if I was alerted as to this option a few years ago when I inquired, I would not have any late payments ( in regards to XXXX XXXX " Navient '' ) on my credit report. I would like to note that I did have 2 late payments removed recently as a result of Navient 's exceptional customer service that I received recently. I 'm hoping that Navient understands that I was n't informed of all of my options, and removed the " 90 day lates '' from XXXX XXXX. I also hope that moving forward, they strive to be transparent when it comes to the many available options borrowers experiencing financial difficulty may have when it comes to their student loans.

Company response to consumer: Closed with explanation