BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-30
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:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2023-04-14
Company: Experian Information Solutions Inc.
State: LA
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 recently purchased a copy of my credit report, please use this letter as confirmation that I hereby Opt-Out and do not wish to resolve disputes with Experian through arbitration.

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 2023-04-14
Company: Experian Information Solutions 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 accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX Balance : {$850.00}

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 explanation
Consumer complaint received 2018-08-10
Company: Experian Information Solutions Inc.
State: TN
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 the following Collection Account with XXXX & XXXX - I am in the process of disputing with Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX Balance -  XXXX XX/XX/2018 They have failed to remove this collection account from my reports, that I have no knowledge of. This Collection Agency is not licensed, nor bonded in the state of Tennessee, in which I reside, which is a direct violation of TN State law, along with violating FCRA requirements. 

I want this illegal Collections account removed from all 3 of my credit reports immediately & all  collection efforts ceased before I am forced to seek legal counsel because of the damages that I have been subjected to.

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 2022-02-23
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
AMEX XXXX They sat on a pile of bunk receipts they couldn't possibly make add up, they sat on evidence my family was being blackmailed, they sat on evidence my family 's lives were threatened, this industry in XXXX is a complete sham, it's nothing but a front for XXXX XXXX, XXXX, fraud, XXXX, it all runs off credit cards daily, and they did nothing but collected every dime so they could make the charges appear legitimate and wreck our lives. 

I hope one day law enforcement will see this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I noticed a charge for {$27.00} on my visa account recently for transunion. This charge never showed up on my recent purchases and went straight to my statement. Digging deeper I found that I have been charged four times since XX/XX/2019. I have reported these charges as fraudulent to my credit card account and cancelled the card. I have tried multiple times to call transunion and have not gotten through. I am XXXX XXXX military and rarely have time during the day to stay on hold for over an hr only to have my call dropped. I never authorized any charge for transunion and they have not made themselves available to aid me in solving this problem. I am afraid that they will begin to report this as a derogatory account.

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 2023-11-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023 I filed a complaint with Experian about an account that says I was a joint owner and it is charged off. The complaint number is XXXX. On XX/XX/2023 I received a email from Experian saying that were not going to remove the account because it was certified. I never received any certification. 

And then on XX/XX/2023 they responded to the Consumer Finance Protection Bureau that they were still investigating. They are clearly not taking me seriously and I am planning to escalate this as high as I need to. I am submitting proof that Experian says they are closing my dispute on their end but just stalling for time with my other complaint until it runs out of time. I feel like am being treated unfairly about my dispute because I am a woman.

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 2023-03-02
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items :

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 2023-02-11
Company: Southwest Recovery Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a debt that was not only my debit but it was dismissed and nothing was owed when we left. I had just turned XXXX when we moved in working a part time job and still in high school my mother was the parental authority and I was still a child living with her now although I understand because I was XXXX and legal age I still had no knowledge of what was going on I was told by the leasing agent that helped us get the home that I was XXXX now and needed to be on the lease. This is a settled debit from my understanding and I also was that this was gone and I did not have this on my credit when I called in to make sure I was able to move into my new apartment by myself in XXXX and had no issues and all of a sudden this is haunting me today I would like to get some help from you please. The debit is in the amount of XXXX the date this was accrued to be a debit was XX/XX/XXXX. I contacted the debit agency and he was incredibly rude and had no proof of anything to provide me and he stated so what you wan na put this all on your mom I have never been talked to like that and there was never any letters or calls from this agency. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am writing to complain about Synchrony Bank, the issuer of my TJ Maxx store credit card. On XX/XX/2009, I opened this account, which is one of my oldest credit card accounts. I went through a period where I did not make a purchase, but I thought that using the rewards from my credit card this year would count as activity. However, Synchrony Bank closed my account due to inactivity without any notice. 

I called Synchrony Bank customer service to try to reopen the account, but I was told that it was not possible. The representative I spoke with, XXXX, explained that the purpose of closing my account was to penalize me for not using it and to benefit Synchrony Bank by avoiding the need to pay security on my account. He also agreed that closing my account would harm my credit score.

I spoke to a supervisor, who confirmed that Synchrony Bank does not send communications to customers warning them that their account will be closed due to inactivity. She also said that my only option was to reapply for a new account, which would create a new trade line and open date on my credit report.

I believe that Synchrony Bank 's practice of closing credit card accounts due to inactivity without notice is deceptive and unfair to consumers. Consumers who are conscious of their credit score rely on their open accounts to maintain a good credit history. Closing an account without notice can significantly damage a consumer 's credit score and make it more difficult to qualify for loans and other forms of credit in the future. 

I am requesting that the CFPB investigate Synchrony Bank 's practices and take appropriate action to protect consumers from this type of unfair and deceptive conduct. I also request that the CFPB require Synchrony Bank to reopen my account and remove the negative information from my credit report.

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 2022-02-06
Company: National Account Systems of Omaha, LLC
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
First off, I have been dealing with XXXX for a while now. They unlawfully received a list of medical procedures and tests that I had done from XXXX XXXX XXXX and filed that within the court system, making those public records. They then tried to garnish money from my bank account. My bank account has my husband 's VA money and my student loan funds in it. Of course, there wasn't any money in the account due to us living paycheck to paycheck and paying our bills. The attorney actually accused me of moving money when I went to court on XX/XX/2022. Next, I call XXXX who is the XXXX of operations at XXXX and leave him a voicemail stating that I am willing to make payment arrangements. A few days later, instead of a call back, I get another garnishment from one of my places of employment. I do not even make {$500.00} in a paycheck and they are trying to garnish my wages. I have read many complaints against this company that state that they do not allow people to make payment arrangements and when they do, you need to keep track of your payments because they will say they never received them. I have never felt so humiliated by a company before. They have probably spent more in attorney 's fees than what I owe. They never call me back. They never mail me anything when I asked for items in writing. They never even sent me information before they started court proceedings that I owed anything.

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 2023-10-30
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I took out a loan for my daughter for college and covid 19 came about and the world got shut down and now they want me to repay the loan and she did'nt attend the school for a year she only went for five months. it has been 3 yrs and now iam on the hook for this loan amount. Seeking Forgivness for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 sent numerous letters and have not received any responses from the bureaus. Nothing. it has been 6 months now and i still have nothing.

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 2021-07-20
Company: Synovus Bank
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I disputed charges from XX/XX/2021. The company is saying I am responsible for items that were mailed to another address that I never ordered from XXXX. They ever stated I have 9 other charges on my card from this address, this is not true. The company advised me not to pay off the card until these charges were investigated, noe I see over {$80.00} on late fees they have added to this account. I have NEVER charged 9 times on this account because they shut the card off once a late fee is added and not paid in full. This clearly a fraudulent charge and I do NOT fell I should have to pay for items not shipped to me. I have spoken to this company and they refuse to remove these charges causing yet another drop in my credit score. This was supposed to help my credit, not make it worst. I am through with First Progress. I want these charges removed and a pay off amount so I can rid myself of these people. They are clearly taking as much money as they can from poor hurting people during a pandemic where we are already suffering. It is absurd what they are doing at a time such as this ...!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: MOHELA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Have repeatedly asked for my SAVE application update and processing. Now see interest accruing although being placed on admin forbearance. Cant get any information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Navient contacted me for the XXXX time to tell me I owe fees. I am poor and XXXX. Navient is on my credit although never notified me of anything. Now for the first time Navient is fraudulently taking advantage of people with XXXX to charge fees. I notified CFPB of Navient on credit but was never notified of fees before. This is FRAUD AND THEY SHOULD BE HELD LIABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: Experian Information Solutions Inc.
State: NV
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 sent numerous letters and have not received any responses from the bureaus. Nothing. it has been 6 months now and i still have nothing.

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 2022-02-06
Company: EQUIFAX, INC.
State: NV
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 sent numerous letters and have not received any responses from the bureaus. Nothing. it has been XXXX months now and i still have nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
I requested Specialized Loan Servicing to send me documentation validating the debt I allegedly owe to them. SLS sent me a correspondence that stated : SLS is a third-party mortgage loan servicing and is not the owner/investor of the loan. The original creditor of the loan is as follows : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX The current creditor of the loan is as follows : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX defined Creditor : CREDITOR. A person to whom a debt is owing by another person who is the " debtor. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX. 

As per XXXX XXXX  About Us ( https : //www.fanniemae.com/about-us ) the corporation states : We do not originate loans or lend money directly to borrowers. 

If Fannie Mae does not originate loans or lend money directly to borrowers per XXXX XXXX XXXX, please explain how I owe a debt to them. 

Secondly, can you explain why the original copy of the security deed you sent me states : When recorded, return to XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is still the holder of the note ( if this is indeed an original copy ) and they are no longer the current creditor of the loan as stated per your response.

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 2022-02-23
Company: Experian Information Solutions Inc.
State: VA
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:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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