BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-09
Company: Premier Student Loan Center
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I located a company via the U.S. Department of education website. The company is called Premier Student Loan Center or another name of XXXX XXXX XXXX. They made statements that they would and have worked with XXXX XXXX to lower my payments and take care of all of my student loans. They stated that they would take care of everything. With the amount that I owed XXXX XXXX and the hope of trying to repair my credit, I began working with this company in XX/XX/2018. They obtained all of my personal information and student loan information. They stated that they would start with {$200.00} a month for 6 months and then all I would pay would be {$44.00} a month. In speaking with XXXX XXXX, the company made fraudulent statements to lower my payment. Was this for my benefit or theirs? So far they have taken {$590.00} out of my personal account and have paid nothing to XXXX XXXX. I have tried to contact PSLC or XXXX XXXX XXXX, via phone and email and have yet received a call back or email back. The service representative with XXXX XXXX said that this company has done nothing for me but add more and more interest to my loan by not paying, which is going to continue to grow and make it more and more difficult to pay off. Here I am trying to help my family and credit by getting this paid off and now its more money and they have my information too. I am looking to at least obtain my money back from this company and also the interest that was added to my XXXX XXXX account. The interest total, since XX/XX/XXXX, is {$1800.00}. Plus the additional interest that is going to add during the time to try and make resolve with XXXX XXXX while my loan is on forbearance for this incident. 
This company is not showing that they are helping people with student loans but stealing money for their own financial gain. Please help and advise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-15
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: Account information incorrect

Complaint:
This account is showing it in accuracy of a late payment, and it should not be showing on my account because I was never late 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2023-03-22
Company: Experian Information Solutions Inc.
State: TX
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:
The credit agencies continuously disrespect the laws. I have showed them on many occasions, how they are violating the Fair Credit Reporting Act. 
According to 15 U.S. Code 1681i ( 5 ) the credit agencies must modify or delete accounts that are not reporting accurately. 

According to 15 U.S. Code 1681b ( 1 ) the credit agencies dont have any written permission.

According to 15 U.S. Code 1681 I have the right to privacy.

According to 15 U.S. Code 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can further expand on the negligence. 

The credit agencies have no respect for the laws or me as a consumer. 

They should be held accountable for their daily actions.

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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2019-03-11
Company: TMX Finance LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
I borrowed XXXX they asked for XXXX back which was fine but I'm paying XXXX just to renew the agreement that doesn't get credited at all just XXXX to sign paper work stating I still owe XXXX I have paid XXXX for almost 6 months that's alot just to renew it doesn't take anything off my balance I'm a single mom this is ripp off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
To Whom It May Concern, I disputed an account reported by Transunion in the file you maintain under my Social Security number. 

I was informed that XXXX, XXXX XXXX XXXX, XXXX, and the XXXX XXXX XXXX was deleted from my credit report. 

Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. I filed a police report ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint to the Attorney Generals Office, and the XXXX. 

Please govern yourself accordingly. You have my police report on file on the subject matter above. 

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : 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 2023-04-24
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} ; XXXX  XXXX XXXX XXXX : {$2000.00} ; XXXX XXXX XXXX Balance XXXX {$2100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$13000.00} ; XXXX XXXX Balance {$320.00} ; XXXX XXXX XXXX Balance {$73.00} ; XXXXXXXX XXXX XXXX ( Original Creditor Name XXXX XXXX  XXXX XXXX ) XXXX Balance {$120.00} ; XXXX XXXX XXXX  ( Original Creditor Name XXXX XXXX XXXX ) XXXX  Balance {$2000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$3100.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : 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 2023-06-19
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. DEPTEDXXXX  Account Number : XXXX XXXX. DEPTEDXXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. DEPTEDXXXX Account Number : XXXX XXXX. DEPTEDXXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXXXXXX XXXX  Account Number : 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 2023-01-25
Company: CCS Financial Services, Inc.
State: FL
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:
CREDIT COLLECTION SERVICES on behalf of XXXX XXXX Open Balance : {$960.00} Last reported XXXX XXXX XXXX  Opened : XX/XX/XXXX I am a victim of a natural disaster of XXXX XXXX. I received a threatening letter explaining that if this debt is not paid, my credit reports will be affected immediately. No way to contact this company except for email form. No representative of the company will return phones call or work with me in understanding this alleged debt. They sent the letter during a Florida state of emergency and will not explain anything without immediate payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: EQUIFAX, INC.
State: TX
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 am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account : 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 2023-02-08
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: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX 'S 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 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 2023-02-08
Company: Quality Asset Recovery LLC
State: NJ
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:
On XX/XX/XXXX, XXXX XXXX XXXX DO illegally sold my medical information to Quality Asset Recovery in the amount of {$780.00} violating my rights under the hipaa laws required to protect sensitive patient health information from being disclosed without the patient 's consent or knowledge. This office is now permanently closed. 

On XX/XX/XXXX XXXX XXXX XXXX Bank and XXXX illegally sold my information to XXXX XXXX XXXX in the amount of {$760.00}. I dont even know who the original creditor is to have a debt with them. 

On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX illegally sold my medical information to XXXX XXXX in the amount of {$77.00} violating my hipaa laws required to protect sensitive patient health information from being disclosed without the patient 's consent or knowledge.

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 2018-08-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On my EQUIFAX credit report, there is a hard credit pull from XXXX on XX/XX/XXXX & XX/XX/XXXX. I don't recognize the name nor authorizing anyone to do a hard pull on my credit. Please help me remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: Navient Solutions, LLC.
State: NY
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 enrolled in e-statements and auto payment for my loans. The website doesn't clearly state the amount that is due each period. It states amount due as " {$0.00} '' This makes it difficult to pay down the balance faster in any sort of planned method. Why isn't my monthly amount due plainly available on the site?

There is also no straightforward way to access a monthly statement on the website. If one types in " statement '' into the Help Center search, it returns nothing. If one puts in " statements '' in the search, it gives an option for the federal tax statement or a loan verification letter. Because I have the e-statement, there is a link mailed to me to access a statement. It is not a link to the main site, but rather sits off elsewhere on a server. If I want to access a statement from 3 months ago, I have no way to view it on the website. Why not make an e-statement tab on the site and I can view my statements whenever I need to? The company doesn't seem willing to make these changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
All my credit cards gave a XXXX balance. But, incorrect balance reported.

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 2022-08-05
Company: COMMERCE BANK
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received an offer from Commerce Bank in XX/XX/2022 ( Promo code XXXX ) to open a checking account with minimum of {$2500.00}, use card 10 times, auto deposit set up and receive {$700.00} bonus on XX/XX/2022. 
I opened my account in XX/XX/2022 with {$5000.00}. I set up auto pay, used the card and met all of the fine print requirements. However, on XX/XX/2022, I did not receive my {$700.00} bonus as promised. I contacted the XXXX XXXX branch and was told that there was a glitch due to the holiday weekend ( XXXX of XXXX ) but that my bonus would be deposited in the next 5-7 days. Those 7 days came and went, still no bonus received. I again contacted XXXX XXXX branch supervisor and he said it would be deposited in 3-5 days to be patient. Those days came and went, still no deposit. Last week I went in person to the XXXX location and spoke to XXXX, she assured me that there was a form she needed to fill out and that I would receive my money with 7 days. She gave me the confirmation page that she submitted the form and her business card to make sure I had a direct contact since I had so many issues getting ahold of anyone previously. However, those 3 days later, I receive a voicemail from XXXX saying that she needed proof I was on Commerce mailing list and needed a picture or original flyer sent to me. I sent her a picture of the offer with the promo code via email and then she said she needed the original document with my name on it to prove it was sent to me and then refused to respond to any further emails. I again went down to the XXXX branch today and this time spoke to XXXX, she stated that unfortunately without the original flyer ( which was sent to me 6 months ago ) that the decision has been made and I will not be receiving the {$700.00} bonus. I feel that if the original flyer is required then it should be requested at time the account is open, not 6 months later, after the bank has held my money for the entire time. If only the people on the mailing list are eligible for this promotion, then perhaps the account should not have been allowed to be opened with that promo code to begin with. If i'm not on the mailing list, why did I receive the mailer? and why didnt the other 5 employees see that I wasnt on the mailing list and why did they tell me that I would be receiving the bonus is 3-5, or 5-7 days etc?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
1. We mailed a check to our vendor on XX/XX/2022 Check Date - XX/XX/2022 Check Amount - {$15000.00} Check Number - XXXX Payable to - XXXX XXXX XXXX XXXX. 

2. Improper Endorsement was used by Huntington Bank. We have been working with bank from 6 months and no resolutions yet. We have proof of correct and false endorsements. 

3. We will upload proof of correct endorsement ( from previous payments ) and fake endorsement.

Company response to consumer: Closed with explanation