BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2017-12-23
Company: Experian Information Solutions Inc.
State: IL
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX card has not provided my signature. Signature is 100 % verifiable verification. Matching an address and email and phone number is not 100 % verifiable verification by law. I also had an attorney to find the licence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. It could not be found by the attorney. I 'm asking for the licence of this company as stated under statue 225 ilcs 425/4 to do business in Illinois. Please provide both of these documents. It is against the law in Illinois to do business. Letters have been sent to the Illinois attorney General and Illinois business to confirm there licence in Illinois. Please forward info with that address and not to be confused with a holding or pass through entity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Experian Information Solutions 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 filed a complaint against Experian thru CFPB on XX/XX/2019 attached with a complaint response from XXXX XXXX XXXX that is listed on my report that I also file against the creditor last week on CFPB and they responded.. Without Experian opening the file attachment that I have attached to this complaint again, Experian responded back to me this morning WITHOUT bothering reading the attachment. XXXX XXXX XXXX said in the attachment ( PLEASE READ IN ITS ENTIRETY ) that they will remove the negative tradeline from my credit report in 45 days. I'm asking Experian to remove it earlier based off the attachment that says XXXX XXXX XXXX will remove it. Please do not send me a response without reading the document telling me about an investigation back in 2019. SEE ATTACHMENT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-10
Company: EQUIFAX, INC.
State: IL
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:
Equifax has failed to respond to my credit dispute letter that I sent on XX/XX/2020. As a consumer, I have rights under the FCRA and Federal Law mandates that I get a response to my dispute letter within 30 days of receipt. Under 15 U.S.C. 1681i, of the FCRA all unverified accounts must be promptly deleted from my credit file. The account XXXX XXXX XXXX  XXXX is inaccurate and unverified, and I am requesting that it is deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: Millco Management
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have tried contacting this company numerous times. I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I left messages twice and the other times mailbox is full. I have also tried to correspond through the mail. I received the letter stating I owed a debt and I had until XX/XX/XXXX to dispute. I noticed this was added to my credit before XX/XX/XXXX and in attempts to resolve to debt no one would respond to me. I have insurance and I haven't been able to submit this due to not being able to reach anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX card has not provided my signature. Signature is 100 % verifiable verification. Matching an address and email and phone number is not 100 % verifiable verification by law. I also had an attorney to find the licence of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. It could not be found by the attorney. I 'm asking for the licence of this company as stated under statue 225 ilcs 425/4 to do business in Illinois. Please provide both of these documents. It is against the law in Illinois to do business. Letters have been sent to the Illinois attorney General and Illinois business to confirm there licence in Illinois. Please forward info with that address and not to be confused with a holding or pass through entity.

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 2018-08-17
Company: Bread Financial Holdings, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
This occurred on XX/XX/2018 and XX/XX/2018. These annoying and mundane calls were from XXXX XXXX, XXXX XXXX XXXX XXXX Credit Card. I apparently had forgotten to pay a bill, which I never received. Upon finally realizing this, I paid the bill in the amount they asked me to. Apparently, I forgot to pay a mere {$17.00} of an overcharge. This was never communicated to me. One would think the world was coming to an end & I was delinquent thousands of dollars. They consistently and continuously harassed me by calling my cell phone during work hours at a minimum of 6 times! I had unknown numbers calling me ; numbers from Kansas ; numbers from Ohio. I paid the {$17.00} as soon as I received notice of it ... and they STILL proceeded to call me two times. This is blatant harassment over {$17.00}! I am at work trying to make a living and I am receiving these annoying phone calls to my cell phone ( I use my personal cell phone for work purposes ). It was ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Nelnet, Inc.
State: CA
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 've tried countless times to get information on consolidation and loan forgiveness since I 'm a XXXX  XXXX XXXX XXXX I have n't gotten clear answers or directions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: MOHELA
State: UT
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 contacted Mohela on Friday, XX/XX/XXXX to ask for a refund on my payments for my loan that had happened after XX/XX/XXXX and fell within the XXXX refund period. I was told that a refund for {$3000.00} ( my payment made on XX/XX/XXXX ) would hit my account around 30 days from the time I called. The representative mentioned the first or second week of XXXX be when I would receive a refund. I asked the agent on the phone if I could get a confirmation email or if something would be shown on my account and they said they could not do anything like that. So I have no written information besides the phone call I made because they were unwilling to assist me in that matter. 

It is now XX/XX/XXXX and I still haven't received a refund to my account with my payment. Currently my mohela account shows my payment was made on XX/XX/XXXX and does not indicate any pending refund. I have attempted multiple times to contact Mohela and I wait for an extended period of time without anyone answering the phone. There is no ability to email contact Mohela which makes it very difficult to get information to my loan servicer to guarantee that my request for a refund has been processed or will be processed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 just looked at my consumer report and noticed some accounts I would like to dispute. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. The referenced accounts in the attachment should be deleted.

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 2023-05-11
Company: National Credit Systems,Inc.
State: NC
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:
the date son this account are not correct. This account balance does is no accurate. The 2 month deposit was not deducted from the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: ACS Education Services
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX XXXX University liquidated my Perkins loan. When this process was being done, I did not receive any notification that payments would be in jeopardy. My loan was on an automatic bill pay deduction. I had never had a late payment. when the load liquidation started, they failed to take a payment XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/2019. The school says they can not take the payment and record that it is being made. The monthly payment is {$40.00} per month and has not been made during these months. I would like to, but have no one to pay. 

The late/missed payments however are being reported to the credit agencies and this is negatively impacting my credit score. My ability to get a home loan and my cost on my auto insurance have been impacted. 

the school does not know any information on how long this will last. 

I just want to make my payments and make sure my credit rating is corrected. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-08-17
Company: Statebridge Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been fired ( registration issue ) and trying to get back to work, I have tried to modify the mortgage, been in and out of bankruptcy, paid attorneys- uncovered huge errors with regard to escrow calculations AND crediting of payments ( including refusal to recast- which is a right included in this mortgage. 

They are not sending me statements and will not give me information, AT ALL!! And I am in BK now. : ( ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: ERC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They furnished a report without my permission. Which is a violation to pursuant to 15 usc 1681b ( 2 ). They reported transactions from my credit card to my consumer report which is a violation to 15 usc 1681A ( 2 ) ( b ). They committed fraud and obtained my information illegally. They tried to say I owe something when pursuant to 15 usc 1692g they don't have the permission to say I owe anything. Pursuant to 15 usc 1692a they can not invade my privacy and only I deem what is private to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: Resurgent Capital Services L.P.
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had an account with XXXX XXXX XXXX that was charged off due to financial hardship and in XXXX XXXX 2017 I paid the debt collector XXXX who has failed to notify the original creditor ( XXXX XXXX XXXX ) that the account was paid in full. I have tried to reapply for a XXXX XXXX XXXX card as I need to rebuild my credit and now XXXX XXXX XXXX advises me that they ca n't remove the mark that my account has been charged off even though I have paid the account off. I have sent XXXX XXXX XXXX notification that the account has been paid in full and they said they have no record of the account being paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Caliber Home Loans, Inc.
State: IL
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2017, I paid on my XX/XX/XXXX payment. 

The payment was made on the phone and through automation, which has and keep my payment information. The payment was made on the XXXX and there is an audit log from XXXX XXXX that also verifies that I paid on the XXXX. 

Caliber homes the mortgage company was closed on XX/XX/XXXX and there was no prior notification of this fact. I called in twice and in order to pay I made it through the automation in which I have done since having the loan for 3 + Years without a late. 

After paying I also did not receive a confirmation via email that is done and also as proof of payment. 


Caliber home was closed until XXXX the XXXX, or XXXX. They then processed my payment. 

They reported my payment 30 days late although I paid and have proof from XXXX XXXX, and also letters from them stating I paid on the XXXX, however, they continue to report me to the credit reporting agencies as late even after admitting they have knowledge that I paid on the XX/XX/XXXX ( please see attached documents ). I also demonstrated that I also had funds in the account. 

I am seeking relief from the CFPB to help resolve this issue as it is not a correct reporting. There are logs that show that I made the payment on the XXXX, the law does not stipulate it is when a company decides or available to process. As part of the fair credit reporting this is against the law and I am being treated unfairly and have taken a severe credit hit due to this issue that should have been resolved. 

I have disputed with the company multiple times and at the highest level and have been treated rudely and disrespectful in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Ability Recovery Services, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I never open this account, and this is fraud to open in my name, please remove from my credit file.

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 2023-05-11
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have a Citi Best Buy Credit Card that allows me to pay off any purchases {$490.00} and above within 6months without incurring any interest charges which they call it as promotional balances. Our regular day to day purchases below {$490.00} comes under non-promotional balances and needs to be paid before the due date to avoid interest charges. 

I had {$3800.00} in promotional balances and around {$1200.00} in non-promotional balances. 
I made a payment for {$1300.00} to pay off the {$1200.00} non-promotional balance but Citi Best Buy Credit Card moved that {$1300.00} payment to pay off my promotional balance of around {$3800.00}. Because of i am still left with that {$1200.00} non-promotional balance to be paid off or else i will incur interest charges. 
I still have around 2 months to pay off a part of that {$3800.00} amount which the Citi Best Buy credit card customer support mentioned is expiring in 2 months. The remaining promotional balance from {$3800.00} is expiring in later months so clearly i have some time to pay off the promotional balances. 

Although because they moved my {$1300.00} to promotional balances i may incur interest charges on my non-promotional balance that i expected to pay off from the {$1300.00} payment. Citi BestBuy CC intentionally wants me to pay off the promotional balance first that is expiring in 2 months and then payoff the non-promotional so that i can be wrongly charges interest on the non-promotional balance which is definitely against their offer of paying promotional balances within 6months.

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 2017-12-19
Company: Global Lending Services LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I purchased a vehicle on XX/XX/XXXX and it ways paid in cash. There was no financing however the dealership XXXX XXXX ran my credit to three different loan companies. XXXX XXXX, Global Lending, and XXXX XXXX finance. None of these were authorized and all three above companies as well as the three credit bureaus wont remove any of the inquiries. I am trying to repair my credit and these three hard inquiries are hindering me from doing so.

Company response to consumer: Closed with explanation