BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-30
Company: Premier Student Loan Center
State: TN
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:
For the past two years, I have being paying {$30.00} to Premier Student Loans and I discovered that none of my payments have been made to reduce my loan. This started around XX/XX/2017 and after speaking with XXXX XXXX, they told me they haven't received any payments from me and I have been making these payments to them.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-31
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: Information belongs to someone else

Complaint:
Back in XXXX of XXXX  I reached out to all 3 credit bureaus plus the creditor which is XXXX XXXX AND XXXX XXXX XXXX. Transunion was successfully able to dispute and block the fraud account which is XXXX XXXX AND XXXX XXXXXXXX XXXX BUT Both XXXX and XXXX still refuse to remove it. I am a victim of Identity fraud and i sent all providing documentation verifying that. The credit first account is not mine. I am not liable for any transactions made by this account nor am I responsible for this account. I AM TELLING YOU AS A CONSUMER TO REMOVE, BLOCK, AND DELETE THIS ACCOUNT INDEFINETLY AND DO NOT PLACE THIS ACCOUNT BACK ON MY CREDIT FILES. Per 15 USC 1681b " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title '' THE COMPANY HAS NEVER SENT ME A VAIDATION OF DEBT THERE FOR THE ACCOUNT MUST 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 non-monetary relief
Consumer complaint received 2023-04-13
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:
In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX - Account # : XXXX Account name : XXXX - Account # : XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX U.S.C. 1681 Section 602 Ab 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 an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items or information : Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1682s-2 ( A ) ( 1 ) 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.

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 2020-01-17
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I received a notice dated XX/XX/2020 that my account # XXXX has a negative balance of {$40.00}. This account was previously closed with a {$0.00} balance. I went through the proper procedures to close the account and now I am getting this letter. This is ridiculous.

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 monetary relief
Consumer complaint received 2023-02-18
Company: Experian Information Solutions Inc.
State: MI
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 Repprting act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 166b A Credior May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2020-07-24
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:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XXXX. 


1. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX   XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX/XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8.  Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 11. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 12. Company Name : XXXX XXXX  Inquiry Date :XX/XX/XXXX -Unauthorized inquiry by Identity Theft 13. Company Name : XXXX XXXX   XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 14. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 15. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX-Unauthorized inquiry by Identity Theft 16. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 17. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 18. Company Name : XXXX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

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 2023-02-12
Company: EQUIFAX, INC.
State: PA
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality u Der 15 USC 1681. XXXX Account XXXXXXXX XXXX solution. 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. It also state 's a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
First mortgage with Fifth Third Bank and the miscommunication with their mortgage department has been tremendous. I have been receiving different answers and guidance from every single person that I have talked to on the phone. 6 months ago I requested to get my PMI removed since the value of my home had increased. The bank stated that I needed a reappraisal, which I paid out of pocket. The bank sent me a letter saying that the appraisal came back very close to the 80 % threshold and that I just needed to make an additional payment to the principal. I completed this. Then they notified me that they couldn't remove PMI because my conventional loan was sold to XXXX XXXX and now I fell under their stipulations which included waiting 7 years to drop PMI. I never got notification of this sale nor new terms on my loan. Is the bank even allowed to do this? I already paid for reappraisal, followed all the instructions they gave me in addition to the extra payment to principal to get nowhere because now PMI can't be removed. Please advise if banks are allowed to make these changes. Every 5/3 rep I talked to in the phone has no idea how to explain what happened. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-07
Company: Upgrade, Inc.
State: NJ
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 sent this company several notices of me being being a victim of identity theft and to remove their account off my credit report and they refuse to. I have mailed in several letters dating back to XX/XX/2022 I have also emailed them and called spoke to a representative and they continue to verify this fraudulent account on my credit report. I have provided a police report and a FTC report and agreed to conduct a 3-way phone call with the bank and the bank could not verify the account. And this account is charged off they are also reporting incorrect balance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Navient Solutions, LLC.
State: NJ
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 contacted the Navient onXX/XX/XXXX and on the XXXX or the XXXX of XXXX to dispute incorrect information on my account. I received a letter from them that was dated on the XX/XX/XXXX after an agent said he would look into the issue. The letter stated that the information that they reported to my credit report was correct although none of my loans were 60 days late. I then contacted Navient twice after, and to no avail. I was making payments every week, so the loan never had to time to be 60 days delinquent as it was paid before the next month. Might I add, you can see a copy of my payment information on the Navient website. 
Also, this was never reported on my credit during the months in question, nor was this information reported in the months immediately following XX/XX/XXXX. I received information in the month of XX/XX/XXXX, that this was and had been reported to the credit bureaus that month. Also, a letter will be sent on XX/XX/XXXX that contains this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied for a home equity line of credit one month ago. The lender was unable to retrieve my credit report from Experian. I was informed that a fraud alert was on the account. I called Experian seven times over the last month. I uploaded the requested documentation at Experian.com/upload. I mailed in a hard copy of the requested documentation by USPS. I was informed that the fraud alert had been permanently removed. 

My lender still can not retrieve my credit report. I spoke with two separate Experian tier 1 supervisors, XXXX and XXXX, yesterday who both told me, There is nothing I can do and when I asked them what to do next, they both said, I dont know. 

Meanwhile my loan has been approved but can not be processed without the credit report from Experian.

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 2023-02-18
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
3rd time this company has charged me a fee after I had already paid the card off in full before the next billing cycle. Granted it wasn't before the first billing cycle after I bought the item, but I pay off the card in full. I owe 0 before the next billing cycle and they charge me a fee. They have done this to me 3 times now. I paid the {$2.00} once. The other 2 times I had to fight it and they were " Oh so generous and waved the fee ''. This is the only company that does this, repeatedly. It's a Macy 's credit card. First was store only, this time it's a Macy 's Amex card. I had paid it off on XX/XX/XXXX in full and today I got a bill for {$2.00} and spoke to me telling me because I hadn't paid it off in full. This is frivolous charges, and the only company out of several that has ever done this. Other companies don't charge anything as long as you pay the bill in full before the next billing cycle. Then they lie and say " well it's because we don't charge interest in advance ''. No one does, you only start charging after the first billing cycle and once it's paid in full... quit charging. Not them.

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 2022-02-25
Company: TRANSUNION INTERMEDIATE 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:
No permissible purpose was given. Pursuant to XXXX XXXX XXXX ( XXXX ) ( XXXX ). Pursuant to XXXX XXXX XXXX ( XXXX  ) ( XXXX ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of XXXX XXXX XXXX ( XXXX ) ( XXXX ) and The Privacy Act of XXXX. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to XXXX XXXX XXXX ( XXXX ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to XXXX XXXX XXXX ( XXXX ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in XXXX XXXX XXXX ( XXXX ) ( XXXX ), I the consumer will seek remedy XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ). I demand that you block these alleged accounts Pursuant to XXXX XXXX XXXX. You Credit Reporting Agency did have permission from me the consumer to furnish any alleged debt to my consumer report and that is a direct violation of XXXX XXXX XXXX ( XXXX ) ( XXXX ) which states a consumer report means any written, oral or other communications. XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) also states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from my consumer report. All the account listed in the Identity Theft Report are all extension of credit that need to be removed. You Credit Reporting Agencies have a obligation to follow procedures pursuant to XXXX XXXX XXXX ( XXXX ) to assure maximum possible accuracy of the information that is being furnished on my consumer report. Pursuant to XXXX XXXX XXXX ( XXXX  ) ( XXXX ) when an account is inaccurate or unverifiable it should be deleted immediately. You will be held liable for willful non compliance and physical and emotional damages. Pursuant to XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) no more than {$1000.00} fir each violation you have violated. Also XXXX XXXX XXXX for negligent non compliance an I will be seeking remedy for the damages you have caused for failure to obey federal law.

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 2018-01-24
Company: Atlantic Recovery Solutions LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received early am call from a " XXXX XXXX '' with Atlantic Recovery, proceeded go inform him that u did n't have time for this call at the time and hung up, immediately received another call and a lengthy voice mail, afterwards this guy call my brother trying to get in contact with me, informed my brother that he had information about other family members he would contact to get to me. No information as to who his " client '' was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hi, Trans Union is reporting incorrectly, the acct. from XXXX XXXX XXXX XXXX XXXX XXXX It is reporting paid as agreed, & it's in good standing & open, how ever, their system is reporting it as closed & my score dropped XXXX points! This is a huge deal for me because I am working hard on my credit the last few years to buy my 1st home & earlier this year I was in a car accident, ( not my fault ) & my car was totaled & now I need a new car too. Plus, We are going through a family tragedy My older brother just died XX/XX/XXXX, I have to reach my goals more than ever, to help his family. So, building my credit is more essential than ever & I was close to my goals. Then this error of reporting from XXXX made my score go down & it's devastating, when I need it to go up XXXX points, not down! Trans Union can see I recently been paying down my balances & only negative I have on my credit report is that some of my accounts balances are high & that is due to Covid & then the XXXX XXXX  being out of work for XXXX. I talked to XXXX XXXX & the account should be reporting open with restriction because of the hardship program ( which is over now ) ( not closed ) & also should say paid as agreed. Online I have got alerts the account status has changed & also it is closed, their computerized A.I system registered the data & info as a closed account & that makes my credit drop! AGAIN THIS IS NOT ACCURATE! I don't know if it was an error on XXXX XXXX XXXX end but when I talk to them they said it shouldn't be reported as closed. IT IS OPENED! 
I appreciate if Trans Union can give detail info. in the future when changes are made, scores up or down, details on why! I was planning on upgrading my membership but I will not now because Trans Union is failing to provide the services I deserve. There is NO way my score should of dropped & I appreciate if they update this account as open & paid as agreed & give me my XXXX points back. THANK 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