BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 2017-08-29
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I attended school at The XXXX XXXX of XXXX from late summer of XXXX until summer of XXXX. During that time I accrued over {$40000.00} in debt to attend one year of school. The application process through XXXX XXXX was ambiguous and non-informative. The only times of urgency for the loan were when it seemed like the deal was going to fall through. I was never explained the terms of the loan or how it could possibly effect my future, even with a cosigner. I was merely given a very large financial document to read. Being XXXX years old at the time, I feel as though some sort of council or assistance should have been given. Some aspect of coaching. I was instead urged on by the school financial officer to do whatever I could to get the loan. 

Fast forward to post year of school and there was absolutely no assistance in repayment. The only offer I was given was forbearance on the loan. I was never explained to that the interest would keep accruing, or if I was, it was quick and almost a side note so that I would n't catch it. The calling center was always outsourced to XXXX, I was rarely ever connected to a person that could fully understand me. I took advantage of my full 72 months of forbearance and then had to start paying things off. Again I was greeted with misinformation and no assistance on repayment. No IDR plan offerings, no refinance or anything. I could make interest only payments is what was offered. And that is where it sits today, I can make interest only payments or pay the full amount, which is only maybe a {$60.00} difference. 

I feel I was lied to, blindsided, and taken advantage of just so some junky for-profit school and loan company could make tens of thousands of dollars off of my youthful unknowing. I am now unable to afford a house for my family, I had to go back to school in a different career in order to even attempt to try and have a normal life and rack up even more debt. I currently have no way out other than to pay the payment in full every month in order to keep my credit score from tanking and to also avoid the consistent calls and pestering. 

Quick to collect money, stuck in a tar pit when it comes to helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The mortgage company XXXX stated my house was in bankruptcy and took the payment history completely off my credit report. Please see attached bankruptcy the house was never in bankruptcy. I would like them to show my payment history and that it is not in bankruptcy this is effecting my credit score and credit history. I am a XXXX XXXX of XXXX XXXX Service member.

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 2017-08-29
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: Investigation took more than 30 days

Complaint:
The mortgage company XXXX stated my house was in bankruptcy and took the payment history completely off my credit report. Please see attached bankruptcy the house was never in bankruptcy. I would like them to show my payment history and that it is not in bankruptcy this is effecting my XXXX XXXX and credit history. I am a Surviving spouse of XXXX XXXX XXXX member.

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 2017-04-18
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company continues to call my mothers home repeatedly, a third party, although they have been informed I do not reside there and was asked to stop calling on several occasions by the third party, my mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX XXXX XXXX has violated my rights privacy 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.

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 2017-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
On XX/XX/XXXX, I was demanding, to : TransUnion LEGAL DEPARTMENT, TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX PA XXXX The removal of this public record notation ( bankruptcy ) from my credit report. 

Because am not familiar with the reference number, I contacted the court and they said, they didnt provide any information to the credit agency. 


On XX/XX/XXXX, I received a letter from TransUnion Consumer Solutions stating : Our investigation of the dispute you recently submitted is now complete. If we were able to make changes to your credit report based on information you provided, we have done so. 

Otherwise, we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; Provide us a response to your dispute ; and update their records and systems as necessary. 


Investigation Results Summary ITEM DESCRIPTION RESULTS CHAPTER XXXX BANKRUPTCY DISCHARGED INFORMATION UPDATED. 
DOCKET # XXXX XXXX XXXX XXXX XXXX XXXX XXXX US COURTHOUSE XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX According to this summary, credit agency only made a notation and didnt 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 2017-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
bank of america worked out a deal with me after i fell behind on payments. they sent it to XXXX XXXX XXXX in XXXX, nc. i worked out a {$100.00} a month repayment plan and have not missed a payment since i started paying in XX/XX/XXXX. i  can afford this seeing im on XXXX i have managed to put this in my budget. bank of america removed this negative item from my XXXX score and i was grateful. after 2 attempts to have it removed from XXXX they want budge. its not on XXXX at all but is still on XXXX and i want it off and re-instated as all payments are current. we made a re-payment plan and if they erased it from XXXX they can do the same for XXXX. i feel im in the right here.

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 2022-08-29
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 XXXX XXXX XXXX sent a letter regarding inaccurate and unknown things on my credit report. 

This letter is a formal complaint that you report inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. 
It has been over 60 days and has caused me great hardship, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This collection agency ( Midland Credit Management ) continues to call me despite me demanding it cease all calls, communication as I am NOT the person whom it seeks! 

Calls were received as follows : XX/XX/20 from XXXX XX/XX/20 from XXXX XX/XX/20 from XXXX XX/XX/20 from XXXX [ point I'd informed it to cease calls, etc. ]

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: SUNTRUST BANKS, INC.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX myself and my ex-wife took out a home equity loan at Suntrust Mortgage. This was a part of our purchase transaction on our at the time primary residence. This was a joint loan with myself and her. I was first borrower on the home equity loan. We got divorced in XX/XX/XXXX. Per our divorce decree she would keep the house and make all payments. Earlier this year XX/XX/XXXX, I had applied for credit to find out that the loan had be charged off by Suntrust Mortgage. I contacted Suntrust and they will not help me. I did not receive one phone call or one notice about the loan being late. I would have happily made the payment as it was only {$84.00} per month. I have had the same phone number for 20 years which they have on file and they also had my correct mailing address. It seems like with me being on this loan I should have received some type of notification about payments being late.So now my perfect credit has been ruined at no fault to my own and I can not get any help from Suntrust Mortgage. Any assistance that can be provided would be greatly appreciated as having a charged off mortgage loan on your credit report is a major thing and will effect me ever being able to buy a new home again.

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 2022-08-29
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 XXXX XXXX XXXX sent a letter regarding inaccurate and unknown things on my credit report. 

This letter is a formal complaint that you report inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. 
It has been over 60 days and has caused me great hardship, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once.

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 2021-04-16
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC.
State: AR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have ask for forbearance they said ok then said the company wont give me a forbearance they wont help me at all Im going to loose my home if I dont pay the whole amount due

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: EQUIFAX, INC.
State: TX
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 account with Indigo card services was paid in full on XX/XX/2021 and the account was closed, however it is still reporting negatively on my account and greatly affecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
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:
Hello Experian, I received a copy of my credit report and I am disputing some items that need to be deleted immediately. I have highlighted and circle these disputed items on the attached copy.I also attached my Driver License and a Utility bill to verify my identity. The reasons why these items should be deleted are also attached

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 2022-08-29
Company: Experian Information Solutions Inc.
State: TX
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 reached out to Experian today asking why they keeping XXXX XXXX Bank account {$940.00} on my consumer report? They received my ftc report. According to the Law 15usc 1681c -2 a consumer reporting agency SHALL block the reporting of any information in the file of a consumer that the consumer identifies as a information that result from an alleged identity theft, not later than 4 business days after of receipt by such agency. Experian received the certified mail on XX/XX/22 at XXXX. As of today is the 5 day. She stated they have to keep it 30days. Thats not what the law stated. This is a violation. 
15usc1681I for a negligent wanton investigation 15usc1681e ( b ) for failure to keep and follow reasonable procedures to assure maximum possible accuracy.

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 2022-08-29
Company: EQUIFAX, 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
My loan was in deferment while in graduate school. When I spoke with a Navient representative they told me my new amount with an IDR payment plan when I reapplied would be about {$400.00}. I received an email saying my new amount due is {$560.00}. I received no paperwork/documents on what payment plan I was on and how this amount was calculated. I still have not received any of this information.   On  XXXX   XXXX  at  XXXX    XXXX   MST, I called Navient and spoke with a customer service representative and I asked her which payment plan I had been placed on and why my payment was so high . ( This is more than my Mortgage ) Sh e told me to hold. She came back and said that she did not know how the amount was calculated and that when she ran the numbers the amount should be {$300.00}. She said she would put in a request to have the amount recalculated. I still have no information about the payment plan I have been placed on and they could not provide information to me this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with fraud alerts or security freezes

Complaint:
From the date of XX/XX/2022 until present I've been a constant victim of identity theft and fraudulent bank account openings please help 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 explanation
Consumer complaint received 2022-08-29
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
{$950.00} was withdrawn from a checking account by an XXXX XXXXXXXX. I do not know this person at all. This money was taken by fraud. The bank said I authorized this transfer, but I didn't. The bank sent my husband an alert after the fact. this is Santander Bank. The bank told me they have nothing to do with it. My husband and I have spent many hours with the bank trying to resolve this.

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 2020-02-18
Company: EQUIFAX, INC.
State: GA
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 sent a letter to XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX, SD XXXX USA on XX/XX/2020 it was received by them via USPS on XX/XX/2020. No response was received. A Return Receipt was signed and returned. It has been longer than 30 days to validate this debt. No attempt was made to verify the debt and no collection details were given.

Company response to consumer: Closed with explanation