BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 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 ), It 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 or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
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: Account information incorrect

Complaint:
Dear Sir/Madam : My credit report contains inaccuracies regarding late payments. I'd like the credit bureaus to erase the inaccuracy from my credit record. On this account, I was NEVER LATE. I'll say it again : I've never been late with a payment. I can challenge erroneous status on my credit report under the Fair Credit Reporting Act. These credit agencies are providing inaccurate data, and I'm curious as to what they're basing it on. They can't prove I was late, and they aren't CORRECTING OR UPDATING this information in their records.

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 2023-09-30
Company: Nelnet, Inc.
State: GA
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 applied to the XXXX program for federal student loans on XX/XX/XXXX, prior to any available information about my loans being updated on the Nelnet website. It has been approved and confirmed, per XXXX Nelnet took well into XXXX to even reflect a balance, let alone a monthly payment. Finally, a monthly payment has been adjusted to reflect an over XXXX XXXX monthly payment. The XXXX application led me to believe a {$76.00} payment would be expected. I emailed Nelnet on XX/XX/XXXX, called XX/XX/XXXX with no answer, emailed on XX/XX/XXXX, and called 3 times on XX/XX/XXXX. I never had issues with my previous loan servicer, now my loans have been sold and I can't get ahold of a person. It's apparently disingenuous to think the largest debt-collecting agencies in the country would know how to... collect debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
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: Account information incorrect

Complaint:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

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 2022-03-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I requested a {$10000.00} personal loan for home repairs. I am XXXX XXXX XXXX. Have perfect credit. My XXXX  score is XXXX and I make {$3400.00} a month on retirement and Social Security. I previously got a loan personal loan for a car {$14000.00} a couple of years back. It was a four-year loan and I paid it off in XXXX year. I have XXXX credit cards Wells Fargo XXXX and a XXXX XXXX. XXXX card has nothing on it my Wells Fargo account is usually paid off every month. They have denied me credit because. XXXX lack of recent installment information loan information. To length of credit history too short. XXXX too many accounts with balances. I have enough money in my savings account to cover this loan but did not want to use my savings account to cover this loan for a home improvement. I believe it's because of my age please check the application number for the loan is XXXX XXXX XXXX XXXX XXXX. Received a letter dated XX/XX/2022 my email address is a country lady at gmail.com thank you

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 2022-03-14
Company: U.S. BANCORP
State: DC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received a US Bank Reliacard in the mail today. I understand that it is a government debit card used to disburse unemployment funds. I never applied for unemployment benefits for I am gainfully employed. Can you please cancel this account or instruct me on how to correct this fraudulent use of my personal information. Thank you.

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 2020-03-04
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 status incorrect

Complaint:
TransUnion is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2023-02-13
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file immediately : 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 2023-03-02
Company: Associated Credit Services, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I canceled my gym membership over the phone with XXXX XXXX. When asked what bank I wanted the close out fees deducted from I provided my existing bank ( XXXX XXXX ). An employee working the counter at the gym took my bank account and routing number. She then charged an old bank on file ( XXXX XXXX XXXXXXXX ) that had been closed for 2 years for {$49.00} on on XX/XX/XXXX. In her defense they have very similar account numbers, but completely different routing and bank names. I then spoke with XXXX XXXX ( handles billing for XXXX XXXX ) who fully admitted fault in writing. I offered this admission in writing to XXXX XXXX, who told me they would contact me and let me know if they needed the information, but never took my evidence, and completed the case weeks later by sending me a letter saying no fraudulent activity was found ( after their own agents told me to open the fraud case in the first place ). To be clear, I never gave XXXX XXXXXXXX XXXX authorization to charge a XXXX XXXX account , in any dollar amount. XXXX XXXX  reopened my XXXX year old closed account and debited the amount, and then charged me overdraft fees and it was sent to collections before I ever knew what was going on. I am a Financial Advisor and it is very important that I do not have debt settlements or collections as it could effect my licenses. The money is a minor amount and not the issue for me. It's the principle that I provided correct, updated bank information, and a bank that I haven't used for anything and has been closed for over 2 years is extorting me for petty overdraft fees. This is bad business and absolutely fraud. 

Additional info : I updated my bank account information with XXXX XXXX on XX/XX/XXXX online, and took the time to be extra careful and read out the entire account number and routing number for XXXXXXXX XXXX to the representative at XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 checked my credit report and recognize that there were some unauthorized inquiries on my transunion, and XXXX credit report. 

XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/ 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 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, instance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting * of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15. U.S. Code 1681 c-2 ( c ( 1 ) C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence!

Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked.

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 2022-03-14
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I sent letters, which are attached to the Department of Education on XX/XX/2022 ; XX/XX/2022 and again on XX/XX/XXXX. 

Please see attached. 
This was not a dispute I stated I would make payment in full in exchange for the original instrument of indebtedness. I have not received what I requested nor have they contacted me in reference to the letters that have been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to several items on my credit report that I believe are inaccurate and damaging to my credit score. I have discovered late payment accounts, charge off accounts, and collection accounts listed under my name that I do not believe belong to me. 

Specifically, I dispute the following items : XXXX XXXX XXXX XXXXXXXX late payment account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX  collection account XXXX  XXXX XXXX charge off account XXXX  XXXX XXXX charge off account XXXX XXXX XXXX charge off account XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX collection account I believe these items are inaccurate and damaging to my credit score. I have never had any accounts with XXXX XXXX XXXX, XXXX XXXX, or XXXX XXXX XXXX and I have no record of ever opening accounts with these companies. Furthermore, I do not recall ever having accounts with XXXX XXXX or XXXX XXXX that would result in charge off accounts. 

I would like to request that these inaccurate items be removed from my credit report immediately. According to the Fair Credit Reporting Act, credit reporting agencies have an obligation to report accurate and complete information, and must investigate any disputed items. I am exercising my rights under this act to dispute the inaccurate items on my credit report. 

I have also enclosed copies of documents that support my dispute, including copies of my credit report, bank statements, and any other relevant documentation. I would appreciate your prompt attention to this matter, and I look forward to hearing back from you as soon as possible. 

Thank you for your time and consideration. 

Sincerely, 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 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
there are multiple inaccuracies on my credit report that qualify for immediate deletion see letter enclosed for explanation

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 2018-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 disputed the date and amount that was stated on my credit report by XXXX XXXX. I asked that the date and amount be invested because it showed an open date of XXXX. They claimed to have investigated the amount and change the balance to XXXX, but they left it on my credit report. Yesterday I checked my credit report, and it dropped from XXXX to XXXX. I can only assume XXXX XXXX is now XXXX XXXX XXXX and they are falsely reporting the amount and dates. It states I opened the account in XXXX. I never applied or signed a promissory note for any loan in XXXX. I tried calling the number on the report but it's out of order. 

I never received any documents from the credit bureaus on the results of their findings regarding the investigation, but this information is inaccurate. I would like to be provided with the original documents as proof, but the bureaus have not provided me any information. They ruined my credit by reporting false information.

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 2023-08-08
Company: DISCOVER BANK
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 this company 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 an 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Bread Financial 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:
As of XXXXXXXX XXXX has reported on my XXXX credit reported account ending # XXXX, in the amount of {$410.00} as a charge off I am asking XXXX XXXX for my consumer rights, I need a copy of the agreement thats signed by the consumer, XXXX XXXX, for the above account reporting on XXXX credit reporting bureau as of XXXXsince I was not given a copy of this agreement, I am asking XXXXXXXX XXXX to send a copy to my address that you reported me to with XXXX credit reporting bureau.I do give my permission to c.f.p.b. to get a copy fo my credit report at XXXX credit reporting bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
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: Old information reappears or never goes away

Complaint:
XXXX XXXX store ran my credit in an error, credit request is in my report and I would like XXXX to remove this errors. E-mail below from XXXX states that the credit was ran in error but XXXX did not resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
TransUnion continues to add these inaccurate inquiries and accounts to my consumer report. Ive continuously tried to fix this issue with them and they refuse to fix the problem for me. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

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 2023-03-07
Company: SANTANDER HOLDINGS USA, INC.
State: MS
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:
there was inaccurate data reported. I disputed it. They changed the payment history to not reported. That is illegal. The payments should have been reported on the credit report because it builds payment history. Gaps in payments shows inconsistently. This is also hindering my credit from positive payment history. If the payments was verified by the bureau then was is the gap in the payment history Starting from XXXX XXXX 
This is a violation in the Fair Credit Act. 
Also, Santander charged the account off in XXXX. Since then, the payment history reported as no data on both XXXX and XXXX. 
Well, there was a payment applied to the account by a third party twice which should have been reported on the credit report. It shows the it has no data of payment on the credit profile. 
Also, the is a federal lawsuit with Santander fraudulently reporting payment history. This company is aware. Yall have numerous articles on it. 
Any inaccuracies reported must be deleted according to the Fair Credit Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Experian Information Solutions 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:
In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX 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 an 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