BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear XXXX XXXX : I am contacting you regarding a 30-day derogatory mark from XX/XX/2020 that appears on my three credit bureaus. 
I dispute these 30 day lates and demand a full removal of the 30-day late marks based on the enacted Section 4021 of the Coronavirus Aid, Relief, and Economic Security Act ( the CARES Act ) which bars ( and makes illegal ) such a derogatory mark, subject to its terms. The purpose of this letter is to ask that the derogatory mark immediately be reported as current to the three major credit reporting agencies, XXXX, XXXX, and Trans Union so that this matter be resolved amicably and without any court intervention. I thank you for your anticipated cooperation. 
Prior to the missed payments I attempted to contact XXXX XXXX   regarding my charge card payments, albeit unsuccessfully due to hold times several hours long. My income has been temporarily negatively impacted by the COVID-19 outbreak, I have experienced severe financial hardship as a result of the economic standstill that our country is going through. 
Recently, and in response to the COVID-19 outbreak, the CARES Act was signed into law by the President of the United States on Friday XX/XX/2020. The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period. More specifically, Section 4021 ( F ) titled Reporting Information During COVID-19 Pandemic ( the Act ) states : if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ... 
It is important to note that accommodation is defined broadly in the Act and encompasses any consumer who is affected by the coronavirus pandemic during the covered period. 
..if the credit obligation or account was delinquent before the accommodation ..if the consumer brings the credit obligation or account current during the period described in ( aa ), report the credit obligation or account as current. 
The term covered period means the period beginning on XX/XX/2020 and ending.. 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID-19 )  outbreak

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 2020-05-15
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have four variable rate student loans that are serviced by XXXX XXXX XXXX. 
The lender is identified on their site as XXXX. 

I looked everywhere on their site to determine how my variable interest is calculated, and when late fees and interest kick in. I was in a position in XXXX where I might need to make a late payment for the first time in years. 

I could not find the variable rate information anywhere on their site. 
The only late payment information I could find indicated that no late fees would be assessed unless the payment was made more than 30 days late. 

I contacted XXXX XXXX on XX/XX/2019 and asked how my variable interest rate was calculated. 
On XX/XX/XXXX they responded, and indicated that my loan was linked to the 91-day T bill and that my payment was 3 days past due. 
That same day, on XX/XX/XXXX, I emailed them back to let them know I would make my XXXX payment on XX/XX/XXXX. 
They failed to respond, and did not indicate that paying on the XXXX would generate any fees or impact my interest rate. 

On XX/XX/XXXX my interest rate went up 1 % to 3.486 %. 
When I called XXXX XXXX on XX/XX/XXXX to ask what happened, they told me that because my payment was more than 15 days late the interest rate was now 1 % higher ... for the life of the loan. 
I was astonished, and emailed XXXX XXXX to complain further. 
They ignored my question relating to why they did not respond to my XX/XX/XXXX email where I explicitly told them I would make a payment on XX/XX/XXXX, and they confirmed that the 1 % interest rate increase was permanent, effectively charging me an additional ~ {$10000.00} over the life of the loan. 

I have attached the email exchange, and my latest statement ( pg. 2 shows the rate jump from 2.486 % to 3.486 % ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: EQUIFAX, INC.
State: CO
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:
XX/XX/XXXXshould not be reporting to Equifax XX/XX/XXXX and XX/XX/XXXX that I am ( 30-60 ) days late on XX/XX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had moved and I contacted XX/XX/XXXX to update my current address which XXXX did not follow through with. I immediately contacted XX/XX/XXXX again when I discovered they had reported me late on this account. I was told by the representative at that time that if I paid the account in full that the lates would be removed. I have had a perfect payment history with XX/XX/XXXX When the requested correction to my credit report still hadnt been made, I contacted XX/XX/XXXX again and I was told by that representative that they could not remove the lates. This is not true. The previous representative conveyed to me that since the requested billing address change error had occurred on their end, that I would not be penalized and that the late would be removed. Additionally, the late payment occurred during a grace period they extended to me because I was moving. This false reporting of lates is seriously harming my credit score and this line item needs to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus as well as XX/XX/XXXX to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
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: Information belongs to someone else

Complaint:
I am writing this because I am a victim of identity theft, and I am demanding that all inaccurate and incorrect information included on my Identity Theft Report and this complaint be removed. I submitted a complaint to the Federal Trade Commission already with no response. Based on my knowledge of the FCRA, 15 USC Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer information that resulted from an alleged identity theft, not later than 4 business days after the date. 

Because of this law, XXXX and Transunion are currently in VIOLATION of this law and are required to delete all negative items detailed in this report and/or pertaining to a dispute via their portal. As a result of their negligence Ive since been denied for new lines of credit, services etc. This is a directly affecting me and costing me more money and time.

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 2021-10-06
Company: Experian Information Solutions Inc.
State: VA
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:
This is me writing this complaint. I know you think regular consumers do not follow or know the law, but you are sadly mistaken. Do not send me anything requiring more information because you have everything you need to verify my identity, my credit file, and you know the inaccurate account that needs to be removed from my account. Do not send or reply back with anything telling me this is not me writing this complaint. 

I currently have an open CFPB complaint with Experian for their disregard to investigate my claim stemming from a letter received before XX/XX/2021. It is now XX/XX/2021, which now makes it OVER 60 days since they have failed to do a reasonable investigation pertaining to an inaccurate account from XXXX  XXXX XXXX in my consumer credit file. 

You have failed to respond in writing to my dispute and have failed to conduct a reasonable investigation in over 60 days. If Experian had done so, they would see this information is inaccurate, in addition to me providing them with knowledgable documentation that they are reporting inaccurate information in regards to a XXXX  XXXX XXXX account on my consumer credit file. 

You are in violation of 15 U.S Code 1681 for inaccurate and unfair reporting methods. You are willfully and knowingly furnishing information you know to be inaccurate according to 15 U.S Code 1681n and 15 U.S Code 1681o. I will seek to receive no less than {$1000.00} per violation in addition to actual and punitive damages for this inaccurate information. 

You have not only failed to remove this inaccurate account from my consumer credit file, you have also appeared to re-age this account. Experian has updated and changed information on this account with no communication with me and they seem to do so as they please as if this is not MY consumer credit file. 

I have also requested a description of the reinvestigation procedure in the past and they have not sent me that information within 15 days according to 15 U.S Code 1681i. 

I have kept every single piece of communication between me, the consumer, and Experian, the credit reporting agency, and will use this information in federal court if I have to.

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 2018-10-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My XXXX XXXX XXXX XXXX failed to transfer {>= $1,000,000} through USAA wallet to XXXX XXXX XXXX XXXX XXXX and my XXXX XXXX XXXX XXXX is missing {$7700.00} withdrawn from account XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
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:
Equifax is reporting a state tax lien on my credit report. The item has be disputed and it came back verified. I have confirmation that this account has not been verified. I spoke directly to the lien source to dispute the reporting and they notified me that they DO NOT report to any credit reporting agencies via phone, email or fax. I need to know the source of this verified information. I need to see verifiable proof that the information that Equifax is reporting is 100 % accurate and 100 % verifiable. Unless, the credit bureaus have recently started conducted a title searches, which I know they have not. This account is not verified and per the FCRA needs to be deleted immediately. Please give this matter the attention it deserves. If this is not resolved immediately, I will pursue litigation in this matter to enforce my rights under the ( FCRA ) Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In the last few months ive reviewed my credit reports from all three major credit bearues and discovered multiple adverse/erroneous accounts on all three reports.ive disputed all accounts recently and the CRA 'S are some how verifying accounts in a matter of days. ( impossible ) The CRA 's are not properly doing a investigation in this matter.All of the errouneous/adverse accounts are missing information/incomplete/no payment history.Transunion, XXXX, XXXX, are in violation of the FCRA section 611 as well as section 609.Ive requested documentation on all accounts with no response, only saying its verified.Ive also contacted every creditor involved, and was told CRA 's have not communicated with them. ( wow ) I will continue to dispute until the accounts are removed from my credit files if not, I will take other action pertaining to these issues.I demand the following accounts be removed : transunion-account resolution ( closed ) $ XXXX/XXXX XXXX XXXX  XXXX/XXXX XXXX $ XXXX.XXXX-account resolution $ XXXX/XXXX XXXX XXXX $ XXXX.XXXX-XXXX XXXX XXXX  $ XXXX/XXXX XXXX XXXX- $ XXXX/XXXX XXXX XXXX/XXXX- {$560.00} .

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 2020-05-15
Company: Experian Information Solutions Inc.
State: PA
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:
EXPERIAN FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEMS

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 2020-05-15
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Recently, I made a payment in the amount of {$810.00} for XXXX bill ( XX/XX/20 ).  Apparently, payment got rejected because of a blank check? I send out screenshots from my XXXX bank statement and as well a letter from my bank institution confirming that the payment went thru. Also, it reflects on the Rushmore Loan Management website that they took the payment but the system did not update because the check got rejected? Now when I am trying to make a payment for XXXX it still shows that the XXXX bill is still due and is charging me late fees. Their time response to this matter has been frustrating, specially for people who have been affected by COVID19. I have also received several letters claiming that checks that have been sent forward have been blank checks which I have resolved with my bank institution which I am sure there was a clerical or system error from my bank institution. The letters that have been sent has almost made me feel like a criminal. This has caused me severe XXXX  and XXXX in trying to resolve this matter. I really wish XXXX XXXX was still servicing my loan. Rushmore Loan Management has performed poorly in servicing my loan since it was taken over by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Access Receivables of NC Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never attended XXXX university. i inquired about school but never attended due to death in my family. I do not owe anything please remove this invalid debt immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received notification that I owe this company a debt. I have checked my records and have not found that I have any outstanding debts that are not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: EQUIFAX, INC.
State: MS
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:
The following companies ran unauthorized credit report on me..  XXXX XXXX XXXX XXXX.. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove unauthorized inquiries on my credit report.. This is a violation of the Fair Credit Reporting Act Section 1681b(c) and a serious breach of my privacy rights

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: CITIBANK, N.A.
State: MT
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 a complaint against XXXX American Express card. Following is the email that I sent to XXXX : After a few returns that have been made, I was asked by XXXX to pay a bill of {$130.00}. Out of this amount I was liable to pay {$14.00} which I did. Im not responsible to pay the remaining amount which include late fee of {$27.00} in XXXX and {$37.00} + {$4.00} interest charges after making the payment of {$30.00} in XXXX. Again, I was charge {$4.00} interest charge and then {$27.00} late fee + {$3.00} interest charges after making the payment of {$71.00}. I fail to understand why I was charged late fees/interest charges when I already made the payment of {$30.00} and {$71.00}? So please remove all the late fees/interest charges and Id really appreciate your honesty. 
Also, as mentioned earlier there are 2-XXXX XXXX transactions for {$12.00} each in XXXX and XXXX. I have disputed it many times since I dont authorize this transaction. Please remove that as well. 
Thank you! 
Following is the response from XXXX : Response By Email ( XXXX XXXX XXXX ) ( XX/XX/2018 XXXXXXXX XXXX ) Dear XXXX XXXX, Thank you for taking the time to contact us about your XXXXXXXX XXXX account. I appreciate the opportunity to respond to your inquiry and address your concerns. 

I certainly understand your request about the late fee, interest charge and the dispute transactions on your account. And I will do my best. 

For protection against identity theft, we can not alter or discuss any account information as this is non secure. 

For further assistance with your requests, please contact us at the number referenced below. You may also send a secure message online. 

Please read this email carefully. I hope you resolve this issue asap.

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 2018-07-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XX/XX/XXXX Portfolio recovery Associates contacted me in regards to a XXXX XXXX account and a XXXX XXXX account. They informed me that I owed them money for these XXXX accounts and initially, without verifying, started making payments. Upon extensive review of my credit report, the XXXX XXXX account was in good standing and closed as of XXXX and they refused to validate both debts. I sent them debt validation letters XX/XX/XXXX and told them to no longer contact me until I receive written documentation from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: I.C. System, 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: Investigation took more than 30 days

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), this company is required by federal law to verify, through the physical verification of the original signed consumer contract. This has not been produced, nor has account has not been validated, in the allotted timeframe. I have yet to hear a response from company. I demand deletion of this account

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 2020-12-09
Company: BBVA FINANCIAL CORPORATION
State: AR
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:
BBVA/COMPASS SOLD OUT TO XXXX XXXX, WE HAVE AN AUTO LOAN THAT IS REPORTING LATE AND THEY KEEP CALLING OUR CELL 31 TIMES IN THE PAST 45 DAYS AFTER CEASE COMMUNICATION REQUESTED ALSO, CHARGE US LATE FEES.IF YOU DON'T CORRECT ASASP AS WELL CREDIT REPORTING ERRORS WILL START CLASS ACTION LITIGATION TODAY. LOAN NOXXXX

Company response to consumer: Closed with explanation