BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-20
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 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 2022-07-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 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 2022-10-22
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/XXXX, I decided to look at my credit report on Experian.com since I have not looked in awhile. I noticed my lease for XXXX XXXX XXXX with XXXX XXXX XXXX was listed with a balance due. I paid this lease off in XXXX of XXXX, so this puzzled me. I phone XXXX XXXX XXXX on this date and they confirmed my lease was paid in full and they sent me a letter stating this dated XX/XX/XXXX. I proceeded to phone Experian on this date, XX/XX/XXXX and they did not provide any information other than starting a dispute, which I did on that day. On XX/XX/XXXX, Experian sent my results with no change. Now my XXXX XXXX XXXX XXXX is in the " negative impact '' column and my credit score decreased by XXXX points. I again phone XXXX with same results and also phoned Experian, stating this account was paid in full, nothing owed. I also began a second dispute on XX/XX/XXXX. On XX/XX/XXXX Experian notified me there was no change, after disputing. The XXXX XXXX XXXX line item on my Experian credit report now shows " Paid in Settlement, '' which it had not shown before. For the XXXX time, I phoned XXXX and also Experian on XX/XX/XXXX. XXXX told me account paid in full, not " paid in settlement. '' Experian advised me to upload the letter from XXXX showing this, which I did on XX/XX/XXXX. Today, XX/XX/XXXX I received the same negative notification from Experian, even after uploading my letter from XXXX XXXX XXXX. My credit score has decreased as well as the XXXX  information going into a negative column and not expiring until XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 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 non-monetary relief
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: MI
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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 disputed XXXX XXXX XXXX Account # XXXX- paid charge off with Transunion on the following dates XX/XX/2018, XX/XX/2018,XX/XX/2018. 

I received " XXXX '' alerts on the following dates XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018. The alerts stated that " A Negative item listed on your credit report has been removed in your Transunion data '' ( XXXX XXXX is the only negative item on my report ) I looked at the myfico credit monitoring service and saw that the negative item was still reporting on Transunion. ( the charge off is the only negative item on my report ). XXXX customer service said to call Transunion and asked for an explanation as to why this is still reporting, because Transunion clearly transmitted information to XXXX that the negative information was removed and should not be listed in my credit report. 

I called Transunion at XXXX and waited for the prompts to connect me to a Transunion credit specialist, I was repeated connected to customer call centers located either in XXXX or in the XXXX. I tried to explain the situation each time and they opened up new disputes and I received the same results. Verified by creditor.

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 2019-03-14
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
**THIS WILL BE MY 4th ATTEMPT TO RESOLVE THIS MATTER, THE INQUIRY IS FRAUDULENT!! ** In the course of recently screening my personal consumer credit report, I observed what obviously appears to be UNAUTHORIZED and or FRAUDULENT credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : XXXX XXXX, I mailed a Cease and desist, No authorization letter, dated XX/XX/XXXX the letter was detailed with inquiry details : XXXX/XXXX & Inquiry Date XX/XX/XXXX. XXXX XXXX has been negligence in providing any documentation and or documents to validate inquiry. To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my consumer credit report on XX/XX/XXXX, which is the specific date alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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've recenlty contacted Transunion regarding fraudulent accounts posing a negative impact on my personal credit and affecting future financial purchases involving my credit worthiness. Account XXXX # XXXX still remains on my Transunion credit report after submitted several supporting documents including identity theft affidavit, police report, and a letter from the orginal creditor stating that the account has been closed due to fraud. This account along with several others should not be appearing on my credit report and by doing so is a violation of my consumer rights under the Fair Credit Reporting Act.

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 2020-11-03
Company: U.S. BANCORP
State: LA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I filed a dispute 3 months ago for a transaction double charged. They locked my account with a balance of XXXX now it is at XXXX. For 3 months I've called at least once a week most daily. Offline teams refuses to call and support refuses to give me the contact number for them or the president of the company so I could address it directly myself after 3 months of this hour fight daily with them. I've done and complied with every request they have had as of Wednesday I was hit and destroyed by a hurricane I was actually on the phone with service team and she listened as my home was being destroyed and the fear of us as we thought our lives were ending. I now have nothing left no home no vehicle nothing and I've talked to her since because all never forget that day or the sadness I felt she could listen to my world being ripped.from under me and that voice I'll never forget and still refuses do help me access my money to survive this tragedy. Its sickening to know this company can be so heartless and take from someone who had everything ripped away from them and still.do.nothing to.help.

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 2023-08-29
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am writing to formally lodge a complaint regarding a serious error in the loan discharge process related to my account. I recently received a loan discharge letter dated XX/XX/2023 to my account inbox which states that my loan has been discharged. When talking to a customer service agent about next steps she told me this letter was sent in error and meant for someone else. This erroneous information has caused me significant distress. I have repeatedly been given misleading information which is negatively impacting my loan forgiveness/discharge. 

The incorrect discharge information in the letter has led to unnecessary XXXX and I am deeply concerned about the accuracy of my account information. 

I would appreciate a written explanation for the error and a timeline for when the issue will be resolved. I can provide copies of relevant documentation, including copies of the loan discharge letter sent to me. Should you require any additional information or clarification, please do not hesitate to contact me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: ACS Education Services
State: KS
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Student loan repayment initiated approximately 20 years ago, went into default, payments began XXXX 2010 with beginning balance of {$11000.00}. Since then $ {$4400.00} has gone toward interest, {$2600.00} towards principal with an outstanding balance of {$9400.00} on an 8.25 % fixed loan with monthly payments in the amount of {$120.00}. Loan is through ACS Borrower. We have reached out to ACS with no success in understanding their calculations. School was XXXX XXXX XXXX, XXXX XXXX TX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Last XX/XX/XXXX, I sent a complaint to remove the suspicious and erroneous items in my file. So acknowledge this complaint as a follow-up to my prior letter to ensure the deletion of these items : 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 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 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 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 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 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 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 non-monetary relief
Consumer complaint received 2019-09-05
Company: Mortgage Research Center, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Started the Streamline ( IRRRL ) VA Loan Refinance Process on XXXX with Veterans United Home Loans. Received an initial loan estimate and then we provided documents the company required. As time went on we kept getting new Loan Estimates which kept increasing the amount we would be financing. When we questioned why the costs of processing the loan kept increasing we were never given an honest answer and all the companies reps said " We are trying very hard to find the lowest cost for you ''. The initial loan estimate was for {$180000.00} and the most recent loan estimate we received was for {$180000.00}. {$180000.00} is {$10000.00} more than what we owe on our mortgage which is {$170000.00} and this would take at least 10 years to recoup which then makes no sense to refinance when one has to pay these extremely high closing costs. This {$10000.00} amount is more than we paid when we purchased the home which makes no sense. So when we talked to several other VA Authorized Mortgage lenders they all said we should only pay from {$4500.00} to {$5000.00} in total closing costs and no where near the {$10000.00} that Veterans United Home Loans wanted. So we pulled our application with Veterans Home Loans due to the apparent fraudulent behavior they begin exhibiting after more than 40 days of the closing process. We have submitted the Loan Estimate documents we received over this 40 day period of time from Veterans United Home Loans showing how each time the amount to be financed kept increasing for absolutely no reason. We also paid for a Full Appraisal out of our pocket and then found out only an Outside ( Drive by ) appraisal was done and we said we needed to be reimbursed the difference since an outside appraisal is less costly than a full appraisal and were told repeatedly they would look into it but we never got a reimbursement for the difference or explanation whatsoever. We will use another company to do the streamline refinance and hope our complaint helps other Vets so they are not Ripped Off by unscrupulous lenders.

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 2018-10-12
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: Their investigation did not fix an error on your report

Complaint:
I noticed some discrepancies on my credit report in which i disputed it with the credit bureau Equifax, XXXX, and XXXX. They made claim that the accounts are verified and left the accounts still reporting on my credit report. I asked " how did you verify the account? " they replied back with " we send an email to the collection agency and if they reply back it's yours then we take their word for it ''. Wait i thought you were suppose to have physical proof on files to verify the accounts in dispute. Equifax, XXXX  And XXXX  made a comment and said of i want the physical proof i have to contact the creditor. That is not my job. That is yours to verify through PHYSICAL DOCUMENTS to ensure the accounts you are reporting are actual factual. Other wise anyone paying for your reporting services can mail fax email in a fraudulent account. I here by request XXXX, XXXX and Equifax to verify through physical documentation the following accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX And national credit systems. Please send to my physical address on file the actual proof you have in your files to prove these debts are mines. If you do not have physical documents on file please respond to this CFPB complaint stating such. I do believe no one is doing there jobs right and if i don't get the proof i need i will file a lawsuit against equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On  XXXX / XXXX /  XXXX   I obtained my credit report from  XXXX   XXXX   XXXX  in attempt to qualify for a mortgage. I noticed that on my accoun t National Credit Systems is   reporting  XXXX  collection account.   One   for {$4000.00} and another for {$500.00}. On  XXXX   XXXX  I disputed these account with the credit bureaus and the account was removed. The accounts are now back on my credit and affecting my ability to obtain a mortgage. I have advised this company numerous of times that this is not my debt. They have failed to respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 dont have a contract with ( XXXX XXXX XXXX Also this is fraudulent because I was unfortunately XXXX  during the time this account was open. Pursant to 18 USC 8, I owe no debt, This company XXXX XXXX XXXX XXXX ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate.

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 2019-09-05
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello. I hope you can help me. My wages from my new job are being garnished by Midland Funding, LLC since XX/XX/2019 until now ( XX/XX/2019 ) without any written notice or warning from Midland Funding, LLC. I Literally found out my wages are being garnished by accident after contacting my job 's payroll department on XX/XX/2019. My employer did not even inform me that my wages were being garnished for 2 months, until I contacted them because I receive my pay via direct deposit with no pay stubs mailed to me ( I need to go online for my pay stubs ). They are garnishing my wages {$74.00} weekly since XX/XX/2019. 

I read online that if a debt collection company does not inform the person they are collecting the debt from, that is illegal and violates the Fair Debt Collection Practices ACT. 
Please help me regarding this matter. I am finally struggling already and just started my new job a few months ago? Thank you

Company response to consumer: Closed with explanation