BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
There is incorrect information on a credit report with one of the credit reporting agencies. 
After applying for a credit card with XXXX XXXX XXXX, I was denied a credit card because of the following reason : You have a closed account with an outstanding balance 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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 accounts 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 inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-02-02
Company: AES/PHEAA
State: DC
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 have been enrolled in the Public Service Loan Forgiveness program with verified employment since XXXX. With the temporary expanded waiver, I am well over XXXX payments which include partial and late payments. MyFedLoan has rejected my application for forgiveness, listing the outdated criteria on the rejection letter dated XX/XX/XXXX -- well after the criteria was widely disseminated. I have tried to resolve this issue directly and they say they can't do anything because it ; s the XXXX XXXX XXXX XXXX problem. I filed a complaint with Federal Student Aid and have heard nothing. I have made XXXX qualifying payments and my loans need to be forgiven immediately. MyFedLoan is wrongfully rejecting my application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I originally submitted a complaint to the CFPB on XX/XX/2021 against Equifax regarding inaccurate and unauthorized items reflecting on my credit report. The original complaint ID XXXX-XXXX. Equifax responded stating that a collections account reflecting on my credit report is verified and belongs to me however I did not receive proof of validation. In order for validation to occur, according to 15 USC 1681 ( a ) ( e ) ; this law states that when a consumer investigative report is conducted ; factual information should not be included and an interview has to be conducted with my neighbors, friends or associates. In the response it was stated that an investigation was conducted and results were mailed to me however according to the FCRA ( 15 USC 1681 ( a ) ( e ) ) an interview has to be conducted with my neighbors, friends or associates and this did not occur however the inaccuracies were not validated. Additionally, I filed a CFPB complaint against XXXX XXXX regarding the referenced account and XXXX XXXX responded stating that the item would be removed from my credit report ( document attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
The Big Banks are at it again. They are deliberately manipulating my checking account and debit card to generate overdraft fees.

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 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek 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 2022-02-02
Company: Experian Information Solutions 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 making this report on behalf of myself, the consumer, with no connection to a third party. I have repeatedly tried to contact and resolve this issue with Experian, itself but I am continually being violated. I have filed an identity theft report on two accounts, one with XXXX, and the other with XXXX XXXX. They have refused to delete this fraudulent information after several attempts by me to remove it. I have sent an affidavit of truth stating the violations they have done against me. They have refused to respond and therefore the affidavit stands as truth in commerce. I am writing this complaint to the CFPB because this company refuses to comply with my lawful demands. The failure to remove these fraudulent accounts has caused me intense emotional stress and harm. I have not been able to apply for any credit due to these wrongdoings and have been kept up late at night thinking about how my financial future. Please comply and stop violating me.

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 2021-03-25
Company: EQUIFAX, INC.
State: OR
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:
My credit report was pulled multiple times by my previous loan officer- XXXX XXXX without my consent. I initially gave consent the first time she pulled my report. After that, she continuously pulled my report without notifying me or asking if she could. When I discovered she had done this around 10 times, I confronted her. She said she would ask for the credit pulls to be revoked. That was in XX/XX/2020. It has been 4 months and none of the credit pulls that followed the first pull have been removed from my report. This is a gross misuse of my personal information and credit report! I should not have to be worried about my own lender sabotaging my credit. 
Furthermore, I would like to report immoral business practices. I was originally contacted by XXXX, she said she was with my companys retention department and that I qualified for a lower interest rate. She did not disclose that I would have to PAY to qualify for a lower rate! Instead she waited until it was time to sign papers and I saw an exorbitant amount of fees being charged for points. When I approached her about this, she verbally abused and manipulated me saying how hard she had worked on my loan and that she isnt an hourly employee, etc etc. not only did she wait until this time to disclose this, it is my opinion that she also had me pay for my appraisal out of pocket in order to make me feel financially obligated to carry through this refi, as I was never given paperwork before the appraisal to go over the fees and costs to get the loan. 
Overall I was partially scammed ( {$750.00} for the appraisal ) and my credit report was also misused. 
Now, I have my loan in deferment and can not access my account. Their mobile app has not worked in weeks and their website just had me set up a secondary authentication with my phone number. When trying to log in after this, I would initiate the authentication text but it never comes to my phone! I am now locked out of my account. 
I was given paperwork with an email for the deferment department. I have tried to email it several times and it comes back that the server rejected the email or that the address can not be found! 
It does not seem like this company cares about its people and it does not seem like they are set up to actually help customers while in deferment!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: ENCORE CAPITAL GROUP 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:
I have submitted numerous disputes to to the bureau 's to have this fraudulent collections account removed from my credit report because I have not contracted with them They/Midland credit management do not have my signature verbal or written

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: ERC
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 information incorrect

Complaint:
I had a sprXXXXnt account back in XXXX which was paid in full. Now suddenly XXXX is reporting a collection account in my name recently. The information provided on the credit report is inaccurate. I did not have a sprint account In XXXX. I need this information removed immediately. And sprint has failed to provide documents showing I had a XXXX  account in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Again XXXX XXXX removed the bankruptcy dismissed from my public record. The company where XXXX, XXXX, and Transunion picks up matter like this to report resolved this matter in XXXX. So if XXXX XXXX rep realized it and removed it from my public records. What is the actual problem? XXXX  removed it yet and still I have showed proof to XXXX  and Transunion and still going through this after getting a letter from Transunion that it was deleted.

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 2021-03-10
Company: Navient Solutions, LLC.
State: PA
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
As noted the CFPB is aware of the XXXX XXXX issue, and how I did not consent to the opening of the card and in essence was hoodwinked by the salesperson which is a violation of the UDAP, under both Federal and kansas state law, therefore none of the three credit reporting issues should be reporting the XXXX/XXXX XXXX XXXX account as its not accurate, its unfair and deceptive and illegal. THis and the inquiry on XXXX need to be removed. The tradeline must be removed from TransUnion, XXXX and 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 2020-12-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX SSN : XXXX | DOB : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX 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 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 below. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

Thank You, 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 2021-08-20
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have had issues with the fact that I got into a car accident that was not my fault and my car was totaled out and I was told I would be receiving the payment for it which they lied but then even after the payment was sent to GM Financial and the loan and vehicle were paid in full I still get harassed stating Im past due and it will be noted on my credit report and that it a still open. Im upset and want to get help for the issues with my old auto insurer as well as GM Financial please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: CNG FINANCIAL CORPORATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
I applied through the Check n ' Go online service for a personal loan. At the beginning of the application, it stated that applying would not affect your credit score. After proceeding to enter personal and bank login information, agreeing to online documents, etc. I received a message that I was denied. I decided to check my credit score and saw that my XXXX  score dropped drastically in the amout of XXXX points based off Check N ' Go 's hard inquiry. 
I called the local store and spoke to XXXX XXXX who stated he was the local Store Manager and confirmed he has never heard of a customer experiencing more than a XXXX point drop in their credit score for a hard inquiry from Check N ' Go. He then directed me to what he says was Customer Service at the number XXXX. I called and spoke to a rep who confirmed I had reached Feedback. He then told me to call XXXX to reach the actual Customer Care line. I called and spoke to someone named XXXX and he confirmed he had never spoke to a customer with no more than XXXX points of a drop in their credit score. He proceeded to say he could be of no assistance, and I needed to contact the credit bureau as they control the amount of points taken during an inquiry. Here I am. I want reasoning for a XXXX point drop in my XXXXredit score for a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I inver recvd notification of the debt or a right to dispute the debit. Once I found out about it I paid the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: Experian Information Solutions Inc.
State: UT
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:
My FICO score was well over 800 at one point this year. It took some unwarranted hits in late summer when I took action on several suggestions from Experian to apply for a 0 % interest credit card to pay off an essentially dead account with XXXX XXXX, a high interest card. I took action on these suggestions and secured an 18 months 0 % interest card with XXXX XXXX, a XXXX XXXX. By so doing I am paying off this old debt with payments that will pay off the total balance transfer before the interest free period expires. Experian has failed to recognize this credit card for what it is, an interest free balance transfer. Because they fail to do this it shows as a sudden spike in credit usage and has adversely impacted my " exceptional '' credit rating which I have worked diligently to achieve. I continue to receive suggestions from Experian to acquire an interest free balance transfer card or a small interest loan to retire this amount with XXXX XXXX. They wouldn't continue to bombard me with these suggestions if they were looking at my XXXX XXXX Card balance transfer as the solution they were recommending all along this past summer. I am frustrated with their actions which are essentially unwarranted and keep bouncing my credit score around to the point where I don't want to log on each month. It's their mess!

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 2021-10-30
Company: Bull City Financial 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:
Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE! 

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX XXXX. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. XXXX  XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Experian Information Solutions Inc.
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 account # XXXX is reporting on my credit, however this debt was paid off five years ago. This is reporting incorrectly and the account should be deleted.

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