BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-02
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
After graduating from a four year college, my students loans with Sallie Mae were deferred for 6 months. After the deferment ended, I was told over the phone with a Sallie Mae representative that if I could not afford my payment I should put my loan into forbearance. I had not yet paid any of my loan at that point, and did not know I could make smaller payments that would not affect me as seriously. I put my loan into forbearance 3 times following that conversation, until I realized what a huge effect it had on my interest. I am now in debt more than ever and feel like I will never get out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
My personal information was compromised and I received notice of this through a credit monitoring agency. I have had inquiries that were disputed and taken off, then reinserted. I have had accounts that were taken off then reinserted. Balances and accounts that were discharged now reporting as open with balances ; transunion AND XXXX both continue to report. With both CRA, accounts that are closed either reporting as open or still even being reported when they should not be reported as accounts that I have. I 've added a sample of the way accounts that have begun to reinserted, in the document attachments. I 've placed security freezes to support safety in my 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 explanation
Consumer complaint received 2017-02-13
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have been disputing an alleged account I owe with Midland Funding for months. I have requested a verification of debt from Midland Funding and the credit bureaus ; XXXX, XXXX and XXXX. To date, Midland Funding has only sent me a computer generated credit card statement. I have not received any assignment of ownership of this alleged debt or a signed contract with my signature. I have not received any proof that this debt is owned by Midland Funding or that I am responsible for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Experian Information 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: Account status incorrect

Complaint:
TO WHOM IT MAY CONCERN ; THIS LETTER IS A FORMAL COMPLAINT THAT YOU ARE REPORTING INACCURATE AND INCOMPLETE CREDIT INFORMATION. 

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 ORIGINALLY SIGNED CONSUMER CONTRACT, ANY AND ALL ACCOUNTS THAT YOU POST ON A CREDIT REPORT. OTHERWISE, ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL, OR EMAIL IN A FRAUDULENT ACCOUNT. 


DUE TO THE COVID-19 THE CREDITOR STATES ON THEIR WEBSITE THAT XXXX XXXX IS OFFERING PAYMENT PLANS PUTTING PAYMENTS ON THE BACKEND OF THE TERM LOAN UNTIL THE COVID PERMITS NON ESSENTIAL WORKERS TO RESUME WORKING I HAVE DOCUMENTATION & TO PROVE SO RESPECTFULLY, 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 2022-04-21
Company: EQUIFAX, 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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights : XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX -XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX  : XXXX 15 U.S. Code 1681 section 602 ( a ) states that I have the right to privacy 15 U.S. Code 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish your account without my instructions.

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 2022-04-21
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2022-04-21
Company: Experian Information Solutions 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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2015-09-29
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
XX/XX/XXXXThe following company, XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX, New York XXXX, purchased my student loan debt which has been contested in its entirety since XX/XX/XXXX. XXXX XXXX XXXX , XXXX calls my residence daily in violation of certified letter sent to the them back in XX/XX/XXXX. Furthermore, the company, along with all previous collectors including the original debtor has violated, at minimum, my rights under the American Disabilities Act and US Constitutions Equal Protection Clause. XXXX XXXX, XXXX.threatens to excise fees over a disputed debt which they have been aware of since XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-25
Company: First National Collection Bureau, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive, at a minimum, one phone call a day from the phone number XXXX, and when I answer it hangs up. After a quick search, I found out this number belongs to First National Collection Bureau out of Nevada. I do n't owe them anything, and repeated phone calls without anyone on the other end are unnerving and annoying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights : XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX -XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX  : XXXX 15 U.S. Code 1681 section 602 ( a ) states that I have the right to privacy 15 U.S. Code 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish your account without my instructions.

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 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-25
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In the accordance with the fair credit reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1581 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
PNC has made changes that has prevents customers to be able to link accounts with 3rd party vendors. This change happens at the worse possible time at the height of the Covid-19 pandemic when consumers needed to access money in contact-less ways. 

I needed to transfer money in and out of XXXX so that I could pay people for services. Unfortunately, right when i needed this, PNC made changes that would not allow this to happen. I called to complain about this and voice my frustration. 

Now I am trying to link my account to XXXX so that I can collect rent payments and it is not allowing me to do so. I received an error message from XXXX saying that PNC has made changes that prevents being able to link accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Credit inquires were removed then reinserted. Customer service reps refused to rectify the call. I have been hung up on, transferred to the wrong dept and refused by a Representative to speak with a supervisor. Unacceptable!

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 2016-05-14
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
I recently opened an Amex Gold card and went through the general process of application to receiving the card no problem. I then had a few transactions in the city of of residency for very low amounts and found out that my card ended up not being able to swipe on the third or fourth transaction. I called in to inquire why and was told that they could not give me more information because they would contact me on the number on file for security reasons and also told me that they had given me a call. Both of these things I 'm certain did n't happen so I went online and checked my number and it was correct. Amex had me open a new line then failed to provide reasonable stated services and blocked my account. Now when I call in, the wait times on their fraud department is over XXXX minutes ( still on hold right now waiting for a representative ). I will fail to receive my early spend bonus if they keep me blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: Midwest Recovery Systems
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received notification from the company prior to them reporting to the credit reporting agencies. I just received notifications that a new collections account was added. My address has not changed so there was no reason why I was not given proper notice and given a chance to proper dispute the debt. I have sent letters to the company twice with no response. The last letter sent on XX/XX/XXXX was for a cease and desist because I would prefer to deal with the original creditor. No response. They company has 2 different address and I sent the same letter to both addresses so that I can make sure they received them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
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: Investigation took more than 30 days

Complaint:
The credit reporting agencies are not in compliance with FCRA rules when investigating disputes. I am requesting a thorough investigation in a timely manner. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, SC XXXX has been sending me collection notices in the amount of {$660.00}. The collection has been reported as a past due balance. I have never done business with this company. This company does not have a contract with my signature.

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 2022-07-25
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2016-01-20
Company: U.S. BANCORP
State: UT
Product: Credit card
Issue: Other fee

Complaint:
I purchased from a merchant online. The transaction went through XXXX, was entirely in XXXX $ and was charged in dollars to my credit card by XXXX. The credit card company charged me a foreign transaction fee because the merchant was XXXX XXXX based. There was no way for me to know - or warning - that this was liable to a foreign transaction fee. Using the merchants XXXX site, paying in dollars, and through my XXXX XXXX account makes this deceptive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-21
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: Investigation took more than 30 days

Complaint:
The credit reporting agencies are not in compliance with FCRA rules when investigating disputes. I am requesting a thorough investigation in a timely manner. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: BB&T CORPORATION
State: MT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I submitted a request for removal of PMI from my mortgage loan with BB & T for my primary residence on XXXX/XXXX/2016. With my request, I submitted an appraisal from a licensed and certified residential real estate appraiser showing my current LTV ratio ( XXXX % ) was substantially below the required XXXX %. My request was denied with no reason provided. I called BB & T customer service but they are unable to assist as the mortgage insurance office is a back office function and does not interact with customers. I submitted a formal complaint to BB & T but have not been given a reason as to why the request was denied.

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