BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
PLEASE HELP! 

I send a certified letter to XXXX on XX/XX/2022 from the United States Bankruptcy court where it states that they do not report to the credit bureau. I mail this letter allow with a letter to XXXX stating that I never gave them permission 15 USC 1681 ( b ) Permissible purpose. I informed them once all three credit Bureau confirmed that XXXX was indeed where they received the information from that I never gave XXXX any written consent. It has been 30 days and I still have not received any type of documentation from XXXX. I haven't even received the confirmation signature that they received it back. I called them a week ago and the representative inform me that they have received the letter. I received a alert today from XXXX that my Dispute results for my Bankruptcy is complete and that the company has verified it as accurate and that it remains on my consumer credit report. What I am not underling is how can XXXX update a dispute and XXXX still has not responded but to me. Its been over 30 days and by law they supposed to delete the account. I called XXXX and asked what was they provided from XXXX. The Agent kept saying the court provided them with documentation. I feel like I am being bullied by these Credit reporting agencies and XXXX XXXX. They keep telling lies about the Information that they have and where they are getting Information from. I informed the agent that they are required by law to provide me with documentation. The agent kept saying the court provided documentation. I asked to speak to a supervisor and the call was disconnected. As a consumer I have a right to privacy and as a consumer I determine what that privacy is. XXXX is reporting fraudulent to the credit Bureau. I never authorize or gave any written consent to XXXX to report anything on my consumer credit report no consent is identity theft. I feel like as a consumer XXXX has violated my right and continuing tried to bully me. This public record that I didn't consent to report on my consumer credit report is stressing me out and does not reflect my credit worthiness. I am trying to move forward and purchase a home for me and my family and because XXXX continues to report a public record that I didn't consent in written to them is holding me back from moving forward. I really need assistance because I have sent certified letter to the credit bureau and all they do it update it as acute they have yet to send me one piece of documentation that is being provided to them. If I am unable to get any help I will be forced to filed a litigation.

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 2017-11-02
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
The sales associates are not demonstrating knowledge towards Walmart practices, and are verbally expressing incorrect information. A representative on the phone stated that in order to receive electronic finances, Ex. Moneygram, alternative forms of identification includes passports, credit cards, etc. I had kindly expressed what is addressed via complaint at this time with the associates. However, they did not listen. In addition, another representative previously claimed that a particular practice was per their policy. However, the manager and another associate stated that she was incorrect. It is now to a point where the associates at their location are not knowledgeable towards subjects such as these. Consequently, a complaint is now filed. Their failure to comply had resulted to interference with my own schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: Experian Information Solutions 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 status incorrect

Complaint:
XXXX XXXX, XXXX XXXX XXXX has received an letter from myself stating the facts about the fraudulent acts committed by the bank on my account and on this day my signature has been rescinded from the original application, permitted by law, due to fraud. XXXX XXXX has refused to address the fraud with a denial or admission. Silence is acquiescence and the account is null and void. An un-rebutted affidavit was submitted on XXXX XXXX, XXXX revoking my signature from the account making it null and void. Again the bank has remain silent about addressing the fraud. By continuing to report this account with proof of the fraud by my un-rebutted affidavit ( my sworn testimony ), the reporting agency is in violation of the Fair Credit Reporting Act. Attached is my affidavit from 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 2017-11-02
Company: Nelnet, 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:
XXXX XXXX, XXXX, Nelnet and XXXX reporting loan payments 60-120 days late when I provide to the credit bureau proof I was in school XXXX and completed the documents to correct with each servicer. I have even filed a complaint with the omb office and no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: Affirm Holdings, Inc
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I booked a trip to XXXX as bundle package ( air and rental ) through XXXX for payment I chose the affirm loan to make monthly payments. I realized the flight was incorrect and immediately cancelled the trip and rebooked it the same day with the same payment method. When I went to pay for the trip I had to 2 loan accounts. XXXX only booked the plane ticket in the initial reservation and left the rental. So I am being charged for 2 rentals even though I only utilized one. I was called 3 times I was sent to customer service representatives outside of the United States I was told a supervisor would contact me and no one has to this day and this situation has been goin on since XXXX. I tried to dispute the charge with affirm the loan company and they did nothing as well and kept sending me notifications that they were going to report this to my credit report. So I ended up paying for something I cancelled and never used to protect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. I am writing this letter because I noticed that my most recent credit report contains one late payment, reported in XX/XX/XXXX for my XXXX XXXX XXXX XXXX account. 



I want you to know that I understand my financial obligations. I was out of town for the Holidays during this period, and I did not realize that I missed a payment on this account. I have never had a late payment since opening this account in XX/XX/XXXX. I made a mistake in falling behind, and up until now, I've had a spotless record of on-time payments with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Good morning, I recently transferred {$1000.00} from PayPal to my XX/XX/XXXX XX/XX/XXXX account ending in XXXX from a recent sale on XX/XX/XXXX transaction ID XXXX and transaction ID XXXX with the deposit arriving to my XX/XX/XXXX XX/XX/XXXX account the next day on XX/XX/XXXX. Five days later on Wednesday XXXX, PayPal reversed the funds without any notice. I first messaged XXXX XXXX  and they stated that the reversal was on Paypal 's end, so they are unable to do anything and recommended contacting Paypal. When I contacted Paypal multiple times from XXXX, they stated that the transfer was initial transfer was complete and that they have no record of the {$1000.00} reversal on their end. The {$1000.00} balance is also not reflected in my PayPal account. I am at a deficit of {$1000.00} due to PayPal 's mistake ; essentially, {$1000.00} was stolen from my bank account from them without any notice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-10
Company: Bread Financial Holdings, 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:
XXXX XXXX is reporting credit, I was an authorized user on my ex wifes account, they are refusing to remove me claiming they need my ex wife Ive to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
First midland reported on my credit report without ever contacting me via any formal written communication. Second Midland has not provided me with a validated debt as allowed to the debtor under 15 USC 1692 ( G ) SECTUIN 809B.XXXXXXXX hasnt yet to provide a valid basis for the debt, such as the original contract/agreement/promissory note between me and the original creditor bearing my wet-ink signature. Midland needs to provide me with the original credit claims that this debt became due and when it became delinquent. Midland has not provided me with a copy of my last billing statement sent to me by the original creditor. Midland has yet to supply a verified sworn to by affidavit copy of the contract your firm has with the original creditor, authoring them to engage in collection activating against the above alleged account. Midland hasnt provided me with certificate of authority and or proof that its able to collect in Florida. I would need a ledger statement showing the full accounting of the alleged obligation theyre attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: ID Analytics, Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX XXXX, 2017 I began the purchase of a used car from XXXX XXXX XXXX in XXXX Hawaii. The purchase price was {$42000.00}. I planned to make a {$25000.00} payment leaving {$17000.00} to be financed. 
XXXX XXXX contacted XXXX XXXX among others to arrange the financing. We ultimately financed through XXXX XXXX. 
Subsequent to the purchase I received a letter ( copy attached ) from XXXX stating that they declined to finance the balance owed. They stated as a reason that a company called SageStream only gave me a FICO score of XXXX. That number is not valid. My current FICO score at XXXX is XXXX ( see attached copy of my score ). 
I do n't know who SageStream is or for that matter why anyone would try to use their service. You can only contact them by mail and they want hard copy documentation of Social Security Number, date of birth, driver 's license, address, etc. Given the way personal information is handled today, there is no way I intend to send that kind of sensitive information to some unknown entity. 
I do not believe that SageStream is providing accurate information to potential lenders and that they need to be put on notice that damaging someone 's credit or misrepresenting their credit score can have serious consequences. 
Since I was able to complete my transaction without any adverse consequences I will not be contacting my attorney. However, if this company ever again misrepresents my credit profile, I will seek legal redress. 
I think CFPB to be aware of this company. They need to be looked into.

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 2017-11-01
Company: FIRST ADVANTAGE CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I copy of inaccurate information relating to my criminal background was sent to a prospective employer on XXXX. The inaccurate information states that I was convicted on a XXXX XXXX XXXX on XXXX with a sentence of 60 hours of community service. The information is inaccurate because I was never charged in this case as the case was fully dismissed. I checked with the XXXX County Superior Court of XXXX and verified that the information presented on their end reflects just as I said, the case was dismissed & I was never charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: BlueChip Financial
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
This company offers a short term installment loan for {$800.00}. The interest is over 450 %. Payment is XXXX a month for ten months. I have paid to date over XXXX and still owe over XXXX. 
I sent a letter on XXXX stating that loans with this interest rate are illegal in Massachusetts. They responded today that I can mail my payment but I still have to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient states that there is options for repayments on my high loans. When I called they claimed there were no options for me. When I stated that their site stated that Navient offers repayment option and that I needed to call, I was informed that I was mistaken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: Nelnet, Inc.
State: MI
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 attended XXXX XXXX in XXXX and they shut down before we could graduate. I read that the loans were being forgiven. I clearly fall in the category to get this loan forgiven and would like to move forward with getting this taken off. Also id like to know how do I get my money back for the portion of the loan that I've paid on already. Any helpful information will be appreciated. Please and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: Universal Recovery Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went to check my credit score, and noticed it had dropped 50 points, due to a report from Universal Recovery attempting to collect a debt from XXXX XXXX. I had joined this gym for one month at a rate of {$19.00} a month, but, since I was moving, closed the account. I was informed the account was closed and recieved no notices, mail, advertisements etc. from them since, and this was a year ago. The recovery department is trying to say I owe over {$100.00}, which is absolutely false, and I need this reversed immediately as it is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
I've been very patient with the credit reporting agencies in regards to a late payment that is being reported on my credit file which is inaccurate. The late payment from creditor XXXX XXXX was reported in XX/XX/2021. I've reached out to the creditor directly and they've also stated there was no late payment on their end from me. I've reached out to the credit bureaus MANY different times and have either gotten hung up on after waiting on the phone for hours, have been told they haven't received any of my letters, or that the investigation is still under review. This has been an on going thing for months where the bureaus are dragging this out and continuously reporting information that's incorrect on my credit file. I've written multiple letters back when I first noticed the late payment reported, a letter in XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of this year. Its frustrating knowing that its inaccurate and Im powerless in resolving it. They've been pushing the investigation back for months, giving different answers, or hanging up when I get through to someone. I work 58 hours in a week and getting drained doing this. They've had plenty of time for the investigation. Its been way longer than 60 days! They can not keep taking advantage of me like this. PLEASE 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 2017-11-01
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear sir/maam, I paid my Navy Federal Credit Union credit card account ending in XXXX in full by settlement that Navy Federal Credit Union offered me on XXXX XXXX XXXX. This account was opened in XXXX XXXX and last activity was XXXX XXXX. When I went to go by a home this year in XXXX I was shocked when my credit reported showed that Navy Federal Credit Union Documented and wrote the debt off as a charge off ruining my credit for years without notifying me. Thus, I paid large amounts more money for all items that I purchased on credit like my family vehicles. This debt was never a charge off. I have requested twice that Navy Federal Credit Union, XXXX, XXXX, and XXXX update my credit report by removing/changing the following by certified mail to no avail : Change any/all charge off codes to their algorithm, the status to be paid only, change balance to {$0.00}, change terms {$0.00}, account was not closed by Grantor request it was closed by my request when they took my money without notification, remove all the late dates, Remove the {$3200.00} written off as did not happen, there should be NO status of any charge off on my credit report. I would willfully volunteer to testify against Navy Federal Credit Union. 

Sincerely, XXXX XXXX XXXX XXXX XXXX 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 2022-03-10
Company: EQUIFAX, INC.
State: CO
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:
I've been very patient with the credit reporting agencies in regards to a late payment that is being reported on my credit file which is inaccurate. The late payment from creditor XXXX XXXX was reported in XX/XX/2021. I've reached out to the creditor directly and they've also stated there was no late payment on their end from me. I've reached out to the credit bureaus MANY different times and have either gotten hung up on after waiting on the phone for hours, have been told they haven't received any of my letters, or that the investigation is still under review. This has been an on going thing for months where the bureaus are dragging this out and continuously reporting information that's incorrect on my credit file. I've written multiple letters back when I first noticed the late payment reported, a letter in XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of this year. Its frustrating knowing that its inaccurate and Im powerless in resolving it. They've been pushing the investigation back for months, giving different answers, or hanging up when I get through to someone. I work 58 hours in a week and getting drained doing this. They've had plenty of time for the investigation. Its been way longer than 60 days! They can not keep taking advantage of me like this. PLEASE HELP!!

Company response to consumer: Closed with explanation