BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XXXX of XXXX I sent Transunion and XXXX a letter disputing the validity of the bankruptcy they are reporting on my credit report. All Bureaus receive a copy of this info and still responded saying they verified item through XXXX XXXX. I contacted XXXX XXXX directly to dispute item in question and due to nonverification from them they sent response and deleted in XXXX of XXXX. XXXX XXXX has also tried to contact the bureaus as well to have them update reports and they said they were not getting any responses from any of them. I even provided all companies with copies of deletion from XXXX XXXX and their attempt to contact as well as informing them that if they could not reveal how, they truly verified the item then its needs to be deleted according to the FCRA It is now XXXX and this inaccurate item has been sitting since the first dispute in XX/XX/XXXX. I have updated with a document sent XXXX of XXXX reassuring that the item in question has indeed been deleted .Please process this and do not close out as a duplicate as I have presented new information supporting my claim.

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 2021-03-26
Company: EQUIFAX, INC.
State: CA
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:
There are several different issues with all the credit reporting agencies. One in particular is XXXX originating out of XXXX XXXX XXXX has numerous inquiries on my credit report. I have NEVER had an account with them but they are constantly inquiring about my address, credit score, and reporting. In addition XXXX XXXX has permission to inquire about my credit standing which I have never approved. The three agencies have reported employment information incorrectly, disputes incorrectly, as well as living residences incorrectly. Also, my name has never been XXXX XXXX and other variations of this but I have only had approved accounts with XXXX XXXX, or XXXX XXXX. XXXX and finally XXXX XXXX XXXX. They wont correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I am receiving many phony calls daily from an unidentified company claiming that my credit card company ( and the recorded message doesn't say which credit card company ) is offering me a better deal on upgrading my credit line amount. No human is involved in the calls ; a recording comes on only which says to press a button to connect with someone to discuss your account information. My phone number was probably sold to the scammers who will try to profit from this fraud. I have not received any mailers, just these phony calls. This can only involve my Chase Visa card through XXXX XXXX and a joint Chase Bank account with my husband, so it is unclear which is involved and perhaps does not matter as this is trolling for any and all info, so I assume the scammers just throw out the name of the card company hoping to steal all of the account information and drain the account of funds and to use the account for fraudulent purchases. 

I hang up and then try to call the phone number that shows up in my caller ID. When I do so, any of the phone numbers I call back are not legitimate, as a recording comes on, " we are not able to complete this call, try calling again ''. No legitimate credit card company is associated with any of these many phone numbers. 

This is clearly a scam to obtain personal account information from those who can't figure out that real credit card companies render offers in the mail and never contact clients in this manner. I am appalled this is occurring. I don't know who is making these calls from varying phony numbers sometimes up to 10 times a day. I also don't know if I can stop the scammers, but at least I can try to report this illegitimate behavior. I will also report the phone numbers used to the FBI fraud unit for their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
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: Account information incorrect

Complaint:
XX/XX/2018, I requested all 3 major credit bureaus review and remove XXXX XXXX XXXX account of my credit report, because of the inaccuracy reported. I came to a settlement agreement with XXXX XXXX 's collection agency. The account being disputed was charged off. I asked for validation of the debt but only received statement with a balance on it. No signed validation, no purchases just a statement of alleged debt. The credit line was XXXX dollars but the debt was more than XXXX dollars. I was contacted by the debt collector and negotiated a settlement for deletion. I Paid over XXXX dollars and the debt collector is no longer honoring our agreement and wants the full alleged amount without proper validation. Experian solution for my dispute was lower the alleged charge off owed from XXXX to XXXX dollars. Which is still inaccurate as the alleged charge off was XXXX as reported on the other credit bureau ( XXXX and XXXX  ). The data across the other credit bureau are not consistent as required by the Fair Credit Reporting Act. Also the first date of delinquency is not consistent on all the bureau. Experian completed investigation is not proper just lowering the charge off amount without proof is not a solution but a quick answer to a company taking advantage of a consumer and her rights. You can not just update an original charge off amount without proper validation. Even if the updated charge off was accurate the balance would be wrong as I made more than XXXX dollars in paymen in the last 60 days as reported by your agencies and the balance should be lowered and settled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: AFNI INC.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received multiple bills from this collection company, but after research have discovered that they are not authorized to collect this debt in the state of Hawaii.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX, XXXX - report to Experian that my identity has been stolen ( stolen XXXX/XXXX/XXXX ) and used to open three fraudulent accounts ; XXXX XXXX XXXX, XXXX XXXX, XXXX I opened a dispute to have these removed as well as all hard credit inquiries of which there were eight. 
I reported to my local police, I was advised I had a Security Fraud Alert on my account for 90 days, it could be extended to 7 years once I submitted the police report. This would carry me until XXXX/XXXX/XXXX with the fraud alert. 
On XXXX XXXX, XXXX, Experian allowed another hard credit inquiry from XXXX XXXX, unauthorized and fraudulent once again. I received numerous ( urgent ) calls at my place of employment from XXXX XXXX trying to verify my intent to open an account. 
I have been on hold with Experian for 52 minutes, because I am not allowed to open a dispute online, I must navigate their web of confusion. 
Oddly, an account can be opened online, with no proof of who you are, however I 'm not allowed to dispute a fraudulent account online. 
Experian has failed and I 'm not able to get through to them because their lines are super busy because - well, there has been a breach with another credit reporting agency XXXX, perfect definition of irony. 
What really needs to happen seems so simple - allow consumers to open lines of credit when they are fully able to provide proof of who they are, with picture ID, in person. Something perhaps like what is required to prove you can work in the USA, complete an XXXX and provide originals of the documents required.

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 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2019-02-27
Company: FC HoldCo LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am submitting a complaint against flagship credit acceptance since our issues can not be resolved over the phone. 
1. Company hangs up phone calls, forwarding calls to automated services. Company is never available for the correct department, threatens and ask for my husbands military career commanders name in the military to report.

2. The biggest issue we have had since we opened the loan as a refinance in XX/XX/XXXX is the company only provided four months of billing statements to our home. The bills sent were incomplete, online bills were incomplete, missing amounts in the bill, blank. In XXXX, I contacted the company to report no bills coming to our home, however the company was rude, refusing me information, after POA was sent while my husband XXXX. The company told me not to pay, till the history of payments was sent. I then found mistakes, total principal added XXXX in the principal column, however the loan amount due only reduced by XXXX. The extra money was hidden in interest not claimed. The company continued to tell me not to pay, to prove each payment, taking thirty days to access old records from our previous bank we closed out. My husband was contacted while XXXX with information asked on commander and name of company. Threaten to reposes the car, and report him to his commander. The company denied telling me to prove the payments once I had the documents needed, taking all late payments in full interest. We have payed a total of XXXX on the already backwards loan, with only XXXX going to the loan in two years. 

3. The loan is backwards due to failed SCRA benefits from the original company XXXX XXXX XXXX in XXXX my husband joined military with the loan start in XXXX. During basic they took full interest for non payments, continued the interest at XXXX % taking a full XXXX in interest putting XXXX on the principle then XXXX down on the car, having us pay XXXX to the first company XXXX to the second company, XXXX total on the XXXX dollar car, with XXXX still owed on the loan. 

4. The loan is so upside down, I reached out to the first company, witch gave back XXXX. However I feel like they owed more, since they denied my husband SCRA not giving back all the interest. I feel the company now has taken over XXXX % interest, mislead me by telling me not to pay, then threaten, taking full interest. All we would like to do, is get the loan to a reasonable interest rate, possible the value of the car being XXXX XXXX XXXX XXXX XXXX XXXX XXXX, worth XXXX. 

This is a lot, I have all supporting documents, please let me know if you can help us, as we feel overwhelmed after we will pay close to XXXX on the XXXX still left on the loan for the vehicle after already paying XXXX. 

Thank you, XXXX and 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 2018-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XX/XX/2018 I called and sent Transunion and XXXX to remove accounts that I did not apply for with was XXXX, XXXX and XXXX. I spoke with a US Rep XXXX was handling my request. In the midst of our phone call, as she was confirming these account that needed to be removed, the call was disconnected. I called back and waited 20 minutes to get another US Rep on the phone I sent out an affidavit and it was notarized with these accounts on there. This time a spoke with a young Man and I explained to him what happened and how the first US Rep was looking into these account and they was about to do dispute. He told me that he couldn't help me because these account was verified and they was mines. I told him that I sent an affidavit in to validate this information with XXXX, XXXX and XXXX and to provide me with copies of any documentation associated with this account bearing my signature. He told me that they investigation these accounts and they are mines and he can not help me anymore. I have these three accounts on my credit that need to be off my report because Transunion did not do they Job and the US Rep di not help me at all. Couple of Days later I received a credit report from Transunion and they stated on there that these account was verified and I know these accounts wasn't verified because they did not sent any of the information that I requested from them. I did not apply for none of these account. I am just asking them to send me proof of what I asked them 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 2021-05-03
Company: MRS BPO, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a text from XXXX MRS Associates. 

This was claiming there was a XXXX wireless matter and they want me to call XXXX. Or visit them at https : XXXX. 

My wireless carrier is NOT XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-27
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have 6 Nelnet student loans on my file ( Account numbers XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ). These loans are reporting 1 90 day late for XXXX of 2019. This is incorrect. I have disputed this with all three bureaus and they left it on the file. 

On XX/XX/XXXX, I spoke to Operator XXXX ( employee number XXXX ) with Nelnet. He advised that indeed the accounts were not 90 days late in XXXX. But he could not remove them as Nelnet does not allow it. 

On XX/XX/XXXX I spoke to operator XXXX ( employee number XXXX ) with Nelnet. I explained to him that I was in school up until the end of XXXX of 2019 and therefore could not be 90 days delinquent in XXXX as I would not be required to make payments UNTIL XXXX. He indicated that his records show I was enrolled but that the school had not provided that I was in classes after XX/XX/2019. I was indeed in classes but simply changed my course of study after that date. 

The college in this case is located in XXXX XXXX XXXX and is closed down due to the pandemic. Neither XXXX, nor I could get the copies of the record of my classes that I DID TAKE DURING THAT TIME. XXXX explained that I could file a challenge that would take ONE YEAR before a resolution is reached. I have been denied a mortgage as a result of this error by Nelnet. 

I am a nurse on the front line of this pandemic. The breakdown of communication between the college in XXXX and Nelnet should NOT be falling on my shoulders. Nelnet needs to remove this delinquency from XXXX until THEY work out their communication problems. 

The FCRA section 605 requires that Nelnet provide the accurate status of my loan to the credit bureaus. 611 requires that, after disputes, the credit bureaus update that current status of these loans or delete them. Investigation proves that NELNET does not have access to the current status due to this pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
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:
I have Been a victim of Identity Theft, every since my Personal Information was Stolen from the Bureaus Data Breech my life has not been the same.. this is very ruff for me at this time. I Never had open any of these Accounts nor did I give anyone Authorization to open Accounts using my personal Information. all of these Accounts is related to fraud

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 2019-02-27
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 received a alert on my experian credit report and I called them this afternoon and report a fraudulent address and a fraudulent account on my credit report and they refused to remove the address and that fraudulent account off my report and told me to contact the XXXX to remove it and I try that and they refused to assist me and I send in police reports and other documents to prove that I dont live in that address and experian is very slow with there investigation and kept that account remains and that fraudulent address 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 non-monetary relief
Consumer complaint received 2019-02-27
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I contacted my Mortgage company ( XXXX ) to move my monthly payment from XX/XX/XXXX to the XX/XX/XXXX. I was told that would not be a problem but they failed to receive the payment and placed my account on default. I contacted them in XXXX and yet again they did not take my payment. In the following week I received a letter that my account was going to be in default again. I contacted them after realizing my credit score went down XXXX points. When I spoke to them they I made arrangements to repay the amount. Toward the end of XXXX I called to make sure my XXXX tax form was in the mail. As time passed on XX/XX/XXXX I still haven't received my tax form so I contacted them again and a representative of the company said my form was mailed out. I waited for another week and my form has not arrived. So on XX/XX/XXXX I called and wanted my forms to be mailed they said I could just do my taxes they told me the amount and I refused and said I need my forms that I would like for it to be overnight and this time the manager said that's not going to happen. Now it's XX/XX/XXXX and my tax forms still haven't arrived. At this point I have no idea what my options are. Your help would greatly be appreciated.

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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX Balance : {$3600.00} XXXX  XXXX Balance : {$3900.00} XXXX  XXXX Balance : {$3900.00}

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 non-monetary relief
Consumer complaint received 2018-12-09
Company: Experian Information Solutions Inc.
State: MO
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:
Being a victim of fraud is no fun nor is it easy to get fraudulent items removed. The following two accounts only shows on Experian, when the other 2 agencies rightfully blocked them. These accounts are not mines and I'm respectfully requesting that they be removed. XXXX  XXXX loan, and XXXX XXXX XXXX XXXX. If your investigation come back as accurate via electronically then please as a consumer I have the natural right to have physical documentation from my accuser, in accordance to the FCRA 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