BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
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:
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 : XXXX [ # XXXX ] 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 2019-03-28
Company: TRANSUNION INTERMEDIATE 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:
I have a 30 days late payment XX/XX/2018 XXXX XXXX XXXXI was in shock because I was never late in my payments.The information is incorrect.

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 2021-04-09
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I'M IN THE PROCESS OF REFINANCING MY HOME AND A JUDGEMENT SHOWED UP THAT THE LENDER TOLD ME NEEDED TO BE PAID OR SETTLED BEFORE WE CAN MOVE FORWARD. I CONTACTED THE COMPANY REGARDING THIS ALLEGED DEBT AND THEY SENT OVER A FAX TRYING TO COLLECT FROM MY LOAN AT THE CLOSE OF ESCROW. I HAVE NO IDEA WHERE THIS CAME FROM AND I'VE NEVER HAD AN ACCOUNT WITH THIS COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: MRS BPO, LLC
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under al open end consumer credit plan as late for et9k purpose.

446

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-27
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: Credit inquiries on your report that you don't recognize

Complaint:
Someone has attempted to gain access to credit lines with my identify. I reached out to all three credit bureaus and advised them that there was inquiries on my report that I did not recognize and or authorize and that I wanted dispute them because they were fraudulent but I was met with push back. I further explained that I called the creditors whom weren't able to give any information other than to call the credit bureaus. I also explained that I have a fraud alert on my report, and that the creditors never called or anything and I was told the fraud alert protects me against this. I was told there is nothing that they can do to assist me and that I would need to file a police report. 
Since then I've attempted to file a police report because that's what XXXX, EXPERIAN, AND XXXX advised me I had to do to get these fraudulent inquires off. After attempting to file a police report with my city police department I was told that a report could not be taken because the thief was not successful in actually opening a credit account with my name or other information therefore it is not identity theft and they would not proceed with a report. I'm beyond frustrated with this matter. Below are the inquires that are fraudulent. 

XX/XX/XXXX- XXXX - CARD SERVICES XX/XX/XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have contacted Experian on numerous occasion to advise of XXXX XXXX XXXX account which they are reporting on my credit is fraudulent. I have requested original contracts and yet to provide they just validate debt without proof. When I spoke to them on the phone and asked for open dates they claim accounts where opened over 3 yrs ago yet they show on credit bureaus as 18 months ago reaging fraudulent debt.. The other credit reporting agencies have already acknowledged fraud and account not opened on my behalf. I feel as if I have been victimized twice.

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 2022-12-13
Company: EQUIFAX, 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 status incorrect

Complaint:
I reviewed my Consumer Reports and noticed that I had XXXX late payment 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 : XXXX XXXX [ # XXXX ] 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Two fraudulent accounts have been opened in my name on XX/XX/22 & XX/XX/22 and I have repeatedly called to have them shut down. Not only did they refuse to shut them down, once they did, one of them was reopened. I have requested they place a fraud alert on my account to find that after all of this, they allowed a phone number that isn't mine to be associated with my account. I have asked for the information used to open these accounts only to be told an investigation needs to be done but that I would need to fill out fraud paperwork. I have asked twice for this paperwork and repeatedly asked for the information used to open the accounts and have received neither.

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 2022-09-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The letter below was mailed out to Experian on XX/XX/XXXX. They never mailed anything to me, however on their Experian website in their dispute center they entered information on XX/XX/XXXX stating the account in question has been verified. There is no way they did a proper investigation into this matter. 

Experian 's National Consumer Assistance XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Dear Experian Just to be clear, 15 days should be enough time for your company to send me the information that Im requesting regarding the last investigation you did on the following account listed below. 

XXXX XXXX : Account number : XXXX, What are your investigation procedures for this account? I need a full investigation done and a full report. 

You verified this account pretty fast. I have a simple request. What procedures does your company have in place to investigate accounts? Can you send me a copy of those procedures? Second, what data are you basing your verification off? Please send that to me also. I want to make sure you are following the law. 

15 Days should be enough. 

I am tracking all letters and waiting.

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 2021-02-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting a phone call from Portfolio Recovery. I have no outstanding past due debts. They are not giving any information but keep trying to collect or verify information. I do not give them any information and they still continue to call for no reason. I have checked my credit reports and have no outstanding or incorrect information in my report. I want these calls to stop I am receiving 1to 2 calls a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX  Account DEPT OF EDUCATION/XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2021-09-12
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On Thursday, XX/XX/XXXX, my husband walked into Wells Fargo at XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX , to try to close all accounts, including checking, savings and overdraft accounts. We have moved to a credit union in recent months because of the very poor service with Wells Fargo. To note, we have been clients since 1989 with the same account number. We are now not keeping their required amounts in the accounts to avoid being charged every month. They there one account into the negative with their charges which prompted my husband to go to close it. We will be out of town for several weeks ( as we are partially retired and can travel at leisure ) and it is not convenient to come back in two weeks. Furthermore, we feel it is ridiculous that a {$1.00} trillion bank can not close our accounts when we walk in the door and have time to wait. Please help us get this closed.

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 2023-02-28
Company: Experian Information Solutions Inc.
State: OH
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:
Sent my letter off on XX/XX/XXXX I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is all of the evidence According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 


They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. The Credit bureaus stated AccountS were properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal of these accounts : XXXX Account : # XXXX XXXX XXXX  Account : # XXXX XXXX XXXX Account : # XXXX XXXX Account XXXX # XXXXXXXX XXXX XXXXXXXX Account : # XXXX XXXX XXXX Account : # XXXXXXXX XXXX XXXX  Account : # XXXX XXXX XXXX XXXX Account : # XXXX Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well Please help keep these Bureaus to be held accountable this needs to be removed

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 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

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 2023-04-25
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  fl, XXXX, XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXXXXXX XXXX XXXX sc XXXX XXXX XXXX XXXX XXXX, fl XXXX, Accounts, XXXXXXXX XXXX XXXX, XXXX  XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.

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 2023-02-28
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-09-10
Company: Maximus Education, LLC dba Aidvantage
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am XXXX XXXX XXXX and have been out of school for upwards of 10 years. I have experienced 2 student loan services through education process, approximately half of my student debt was serviced by the XXXX  ( XXXX  XXXX loan ) which appears to have used consistent reasonable loan practices and has ultimately resulted in consistent balance repayment. For background when I concluded my education my student debt broke down as follows : XXXX XXXX XXXX Loans Total Borrowed : {$39000.00} Current Federal Loan balance ( Recently Transferred from XXXX to Aidvantage ) : XXXX XXXX  SELF Loan Total Borrowed : {$32000.00} Current XXXX Balance : {$17000.00} Out of a total of 140 loan payments to XXXX, 30 payments totaling {$530.00} have been credited towards my principal. 

I have had generally higher payments with XXXX over my entire loan lifetime and given that I am one person solely making payments on these loans my financial situation has obviously been the same through the loan period. It seems pretty unreasonable that with 2 similar student loan servicers, servicing one person over the same time period ; with one provider regular payments are resulting in debt going down over time and another provider ( Which has been the target of multiple unfair practices complaints ) has resulted in the loan balance dramatically increasing over the lifetime of the loan. 

I feel that XXXX used unfair tactics to steer me into loan deferment and other repayment options that ultimately led me to accrue additional interest than necessary and making loan principal payments nearly impossible. In general, during times of financial hardship I had multiple contact points with XXXX via phone call, text and email that ultimately lead me into excessively costly short-term/temporary financial relief instead of affordable, long term repayment options that would have made financial sense. 

The financial hardship XXXX put me through not only negatively impacted my credit score, it was seemingly impossible to remove my cosigner from the loans thus missed payments also created negative impact on my fathers credit. 

My loan situation feels almost entirely consistent with the CFPB Lawsuit against XXXX. 

https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: CURO Intermediate Holdings
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I went online and expected to get a general payday loan! I was out of work and contacted them to see if they had a hardship program! They stated they did not! Not only that but they informed me my loan was an open end loan, I didnt even know what that was until I gioggled it! I dont want a loan that doesnt end! 

I have made payments to resolve this but am only paying off interest! I honestly didnt realize what I applied for! 

I thought there would be a cap or a end and I would be able to make a payment arrangement to pay off the loan!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
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:
I have disputed this account several times for reporting inaccurate information, illegally re-aging this account every month, not providing proof that this account is mine, and causing harm to my over all credit. 

1. ) They have never proved paper work with my wet signature or any paper work proving that this account is mine.

2. ) Every month the date of last activity and report date is being re-aged and made made to be the most recent month 3.The open date does not match across all 3 credit bureaus 4. ) Transunion is reporting a closed collection account as open and XXXX is reporting a closed collection account as open and the status as 120 days late 5. ) In the month of XXXX, my credit report showed that the balanced owed changed from {$500.00} to {$500.00}.

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 non-monetary relief