BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly.

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 2021-01-22
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: Account status incorrect

Complaint:
I have notified Experian Inc, that XXXX XXXX  XXXX XXXX XXXX XXXX is reporting inaccurate information on my credit report. XXXX XXXX has opened an account with a balance and monthly payment. This exact account is factually listed as a closed account. This duplicate account also listed that Ive recently made a payment, which I have not. I have disputed this account with Experian Inc twice, and they refuse to remove this account 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 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
There are inaccurate debts on my credit report which is hindering my choice of getting housing for my child and I. I have disputed these inaccuracies for three years, and the credit collections have yet to send me the original contract bearing my signature and what method is being used to verify these false debts. These credit collection companies are not adhering to The Fair Credit Reporting Act. It's been three years that I've been requesting the validity of these debts belonging to me, and they can't verify anything. 

I DO NOT WISH FOR ANY INFORMATION TO BE VERIFIED VIA E-OSCAR!!! Please speak to real people so that I can get real results!!! 

These inaccurate reportings are hindering me being a mother and providing housing.

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 2018-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Loan was paid off last year. Received letter, check confirming overpayment. Bank of America refuses to removed loan from title report and release UCC. Second loan dates back XX/XX/2005, loan is closed. Loan was with XXXX XXXX and the loan was replaced by Bank of America after merger with XXXX XXXX. Title report reflects XXXX dollars on loans paid off. Bank of America refuses to remove loans and UCC FILINGS OFF THE TITLE 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 2021-04-05
Company: AmerAssist A/R Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been going to XXXX  XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX for many years. I ALWAYS pay in full at the time of service. I was shocked to receive a delinquent notice from Amer Assit A/R Solutions Inc XXXX XXXX XXXX XXXX Ohio XXXX threatening that this could ruin my credit. 

I called the XXXX XX/XX/XXXX. They assured me I didn't owe anything and this company was just behind and it would be cleared up. I don't know how or why my info was sent to them in the first place. This happened again two weeks later so I contacted the XXXX  again on XX/XX/XXXX. I got their exchange/customer service and explained the situation. Then I called the debt collector and they said it was on the XXXX and they couldn't clear my record until the XXXX  resolved it. I called the office again XX/XX/XXXX. The office manager XXXX XXXX tried to conceal her identity. When she finally identified herself she said she would resolve the matter and send me email confirmation. She never did. I wrote a personal letter to the owner XXXX XXXX advising her that was costing her customers and after many years I would not be coming back. There was no response. 

Now I have another letter XXXX from XXXX XXXX Collection Officer threatening to proceed with additional corrective steps. I am tired of being harassed when no money was EVER owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I 've been disputing a XXXX account that has been on my report Account # is XXXX reflecting a 2010 opening. This account has been in dispute. I 've contacted the creditor reporting it and they sent a letter stating that they do n't own the account and are not reporting it. I forwarded that letter to Experian to have it removed and still it is there for no apparent reason. I 've tried to dispute it online and it gives me a red note stating that the account was already disputed and ca n't be disputed again. It 's an unverified account that ca n't be verified and the company showing on the credit report does n't even own it. I want this account removed 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
Consumer complaint received 2020-05-26
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Shell Point Mortgage placed us into forbearance without permission. We fought with them to remove our account as we didnt ask to be placed into forbearance and are current on our payments and have ordered them to remove us from forbearance assistance status. This has been a nightmare! We didnt ask for help, as they took this upon themselves to pace us in this category on their own. We have a letter stating that we are not in forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 6 errors on my TransUnion Credit Report ( File Number XXXX Date Issued XX/XX/2020 ) - My non-TransUnion Scores are XXXX. 
- Three errors were corrected. 
- One error XXXX XXXX  is working on - One error I am getting more information - Error 6 is with XXXX - a high balance of {$17000.00} against a credit limit of {$6000.00} - I have disputed the error with TransUnion without results - I re-disputed the error with TransUnion without results - I went to XXXX as Step 3. 
- XXXX Bank says that the highest balance that they have is {$140.00}. 
- Please ask TransUnion to fix this so that I don't have to write anymore letters and spend anymore time on hold on the telephone.

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 2021-08-12
Company: EQUIFAX, INC.
State: PA
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:
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. XXXX is the inquiry that is still reporting on my Credit Reports : XXXX XXXX-Date of Inquiry : XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: EQUIFAX, INC.
State: WA
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 inaccurate information on my credit report with XXXX XXXX, and XXXX  and they have failed to comply with FCRA guidelines!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 inaccurate information on my credit report with XXXX, TransUnion, and XXXX  and they have failed to comply with FCRA guidelines!

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 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS Transunion # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXX  XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. DAYTIME XXXX XXXX EVENING 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 2018-04-11
Company: SLM CORPORATION
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
To Whom it May Cincern, I have been struggling to make payments to XXXX XXXX for the past two years ( since XX/XX/2016 ). Ultimately, I had no choice but to utilize all 12 months offered in forebearance ( broken up into 3 or 1 month increments ), just to stay afloat. I am not trying to escape my responsibilites as a borrower. I am well aware of the amount owed on my loans and I am more than willing to make payments in an effort to reduce my stuudent loan debt. However, I went from making $ 80- {$90.00} payments on my student loans, to exhausting all of my financial resources to come up with almost {$900.00} a month in payments to XXXX XXXX . I have spoken to plethora of representatives ( XXXX, XXXX, XXXX to name a few ), from both the customer service and the collections department at XXXX XXXX, and most of the time, my conversations with them are not pleasant. I have received mixed responses from the call reprsentatives on how to pay my loans and what " programs '' I qualify for, yet I am still unable to lower my payments. As a result, I became delinquent on other debt responsibilities including my federal student loans because my income does not correlate with the amount of money that I have coming out. XXXX XXXX, is honestly one of the worst private student loan companies out there. They are insensitive to the isssues and concerns of their clients and are extremely unprofessional. In my conversation today with representative XXXX, I was told that I knew what I was getting into when I borrowed XXXX in student loans, and that there was nothing that could be done to lower my payments besides automatic debit, or waiting until I'm delinquent in 5 days to receive a call from collections. I am honestly confused as to why XXXX XXXX ( who has ties with the Dept. of Education ), would not want to help their customers avoid missing a payment in and " try '' to actucaully help reduce the amount of debt owed to their company. Their lack of regard for their customers, honesty, and integrity is astounding. I am seriously considering taking legal action against the company just to lower my payments which is unfortunate.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-27
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted XXXX XXXX Services and told that I owe {$380.00} for a past balance to CashNetUSA. While I do remember doing business with CashNetUSA at one point, the amount of money that I owed on that account was {$110.00} according to my records. I am writing a letter to XXXX XXXX XXXX and disputing this amount. I am also placing a complaint with the CFPB because I know that CashNetUSA was involved in Payday Loan Scams. I believe that this is one such scam and I am reporting this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: EQUIFAX, INC.
State: MN
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:
After filing a former complaint through the CFPB, Equifax closed the dispute and said " There are one or more accounts with a major derogatory event in your credit file '' but when I try to dispute any negative accounts listed on my credit report, there aren't any to dispute. It says on my credit report " there are no negative accounts to display ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
To Whom It May Concern, I have 2 accounts I am an authorized user on because I am helping a family member get there grocery 's and and stuff due to what's going on in the world. For some reason It has not be updated but I will send you a screen shot of my family member 's cards that I am on both. I have spoken to both credit card companies which have admitted they sent to experian, XXXX and XXXX. For whatever reason they are not coming up on my credit report and i need this all updated as soon as possible as there customer service reps at XXXX and XXXX XXXX told me. Under the fair credit reporting act I believe I am within my rights and I just want my information all accurate. Thank you for understanding.

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 2020-05-26
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
To Whom It May Concern, I have 2 accounts I am an authorized user on because I am helping a family member get there grocery 's and and stuff due to what's going on in the world. For some reason It has not be updated but I will send you a screen shot of my family member 's cards that I am on both. I have spoken to both credit card companies which have admitted they sent to XXXX, equifax and XXXX. For whatever reason they are not coming up on my credit report and i need this all updated as soon as possible as there customer service reps at XXXX and XXXX XXXX told me. Under the fair credit reporting act I believe I am within my rights and I just want my information all accurate. Thank you for understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 contacted XXXX XXXX the party filing false information on my credit report, and they refused to remove the false information ; I contacted XXXX, and Transunion with a complaint, and they refuse to remove this from my credit report ; I had a XXXX XXXX   from XXXX XXXX I never used, and a XXXX Card I used, and all payments were made on time, they reported a late payment which I was never notified I owed anything to them, they reported both cards, two seperate accounts under the same complaint ; they reported that I never made the first payment, but it clearly shows on the report two payments prior were made on time, customer offered me {$50.00} late fee credit, and no fees until XXXX as their solution, I stated I wanted the accounts closed, as they are paid in full, and wanted this false information removed from my credit report, XXXX XXXX refused, the credit reporting agency are holding this on my 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 2018-07-26
Company: Checkr, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Checkr, Inc. conducted two background checks of me for XXXX XXXX XXXX XXXX. I looked at the one from XXXX & it gives information going back as far as XXXX. The one for XXXX 's goes back as far as XXXX. I got this information today XX/XX/XXXX. Due to this information XXXX 's denied me a chance to work for them. My understanding is that the background check should not go pass 7 years!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
American Express XXXX XXXX card. They have decided to hike the fees from {$99.00} to {$250.00} overnight. American Express is also refusing to refund the card fees prorated. Prior they were pro rating card fees once cancelled. Now they are not honoring the fees refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-26
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:
SOMEONE OPEN FRAUDULENT ACCOUNTS USING MY NAME AND SOCIAL SECURITY NUMBER XXXX DID NOT APPROVE OR GIVE ANYONE CONSENT TO USE MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2019, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the 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 explanation
Consumer complaint received 2018-10-11
Company: EQUIFAX, INC.
State: AL
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 contacted XXXX XXXX the party filing false information on my credit report, and they refused to remove the false information ; I contacted Equifax, and XXXX with a complaint, and they refuse to remove this from my credit report ; I had a XXXX XXXX   from XXXX XXXX I never used, and a XXXX Card I used, and all payments were made on time, they reported a late payment which I was never notified I owed anything to them, they reported both cards, two seperate accounts under the same complaint ; they reported that I never made the first payment, but it clearly shows on the report two payments prior were made on time, customer offered me {$50.00} late fee credit, and no fees until XXXX as their solution, I stated I wanted the accounts closed, as they are paid in full, and wanted this false information removed from my credit report, XXXX XXXX refused, the credit reporting agency are holding this on my report.

Company response to consumer: Closed with explanation