BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-01
Company: Navient Solutions, LLC.
State: MD
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:
I have concerns regarding the authenticity and amount owed on my student loans. I would like the amount to be verified because I am concerned that regarding the recent alligations against Navient. There have been several lenders " servicing, buying and selling of my loans so I would like my current servicer, Navient to verify the balances. I would like these loans removed if they can not be accurately verified. These loans originated at XXXX XXXX University, and XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Around XX/XX/XXXX i checked my credit report and all my inquires was deleted when i check my report today they all back and my score went down.

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 2017-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
There are XXXX fraudulent accounts on my credit report and XXXX fraudulent credit application inquiries. The fraudulent accounts are XXXX, XXXX and XXXX. The fraudulent inquiries are XXXX XXXX and XXXX. I filed a police report. I sent a letter with my documents and police report to Transunion asking them to remove the fraudulent items. Transunion has taken longer than 30 days, and has not removed any of these items. Please regulate Transunion 's handling of this matter and enforce them to send me the detailed results of their investigation within a proper time frame according to our laws.

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 2015-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I Applied for credit at XXXX, XXXX, XXXX and XXXX XXXX. 
trying to establish credit, I have been rejected by all inquiries, stating that Ihave low score reported by TransUnion LLC Consumer Relations CenterXXXX XXXX XXXX, Pa XXXX XXXX. I am young and feel Ibeen Discriminated Based on my age and or Race, as a result of myapplying at these Companies for Credit, all I have Obtain is a lot of HardInquiries that are now having an Adverse Effect on my credit Score, just byInquiring to get Credit. The Federal Equal Credit Opportunity Act Prohibits Creditorsfrom Discriminating against credit applicants [ Provided the applicant has the capacity to enter into a binding contract. Prohibited Practices 12 CFR 1002.4 A creditor shashall not make any oral or written statement, in advertising or otherwise, to apllplications or prospective applicants, that would discourage on a prohibited basis, areasonable person from making or pursuing an application. Regards to the Creadit Scoring System, any system other than the Empirically derived andStatically Sound is a Judgmental System. I currently have to contact these companiesCompanies that I applied for Credit and ask if they can send from eachthem a Letter to TransUnion LLC Consumer Relations, requesting, if I canget these Hard Inquiries Deleted off my Report, only because I Applied forCredit. Being Young and just able to Apply for Credit, has been DiscouragingNot knowing the more I applied, that this would also hurt my Credit Reportwith these Hard Inquiries, and Obtaining still No Credit Opportunity toEstablish Credit, Now I only have Hard Inquiries on Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I filed a dispute with Chase XXXX re : a charge from XXXX Hello, This dispute has been going on for 3 months now and I expect this to be swiftly handled by the Chase team. I am explaining the entire dispute here AND have attached all supporting documentation. 

XXXX/XXXX/XXXX - Reservation booked through XXXX XXXX for {$950.00} ( attachment pages XXXX ) XXXX/XXXX/XXXX - XXXX changed my reservation without consulting me to XXXX ( attachement pages XXXX ) XXXX/XXXX/XXXX - I called XXXX regarding changed reservation since it was not the reservation I paid for. XXXX offered to refund the reservation instead since they could not honor the original reservation. ( attachment pages XXXX ) XXXX/XXXX/XXXX - Followed up with XXXX who said the reservation had been refunded to my original credit card. ( attachment page XXXX ) The refund email clearly shows that the amount has been refunded to card number ending in XXXX [ Chase XXXX XXXX Card ] So, in this entire ordeal, which merchant is lying to the consumer. Either XXXX or Chase is. If you would like further documentation, please contact me at XXXX XXXX. 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: CITIBANK, N.A.
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
1 ) Like millions of XXXX, we are subject to take the Required Minimum Distribution ( RMD ). We received a check from our pension fund manager and deposited it with Citibank on XX/XX/XXXX. Of the total of almost {$45000.00}, only {$8000.00} was immediately available. {$200.00} became available on XX/XX/XXXX {$400.00} on XX/XX/XXXX, {$4400.00} on XX/XX/XXXX and {$31000.00} on XX/XX/XXXX. Citibank earns interest on our money by delaying deposit to our account. How do they establish the formula for how much money becomes available immediately? Why, if the payor is a reputable, well financed institution, do they get to delay the money becoming fully available to us as their depositor for six days? Multiply this by every pensioner receiving an RMD and the banks are XXXX their depositors and making out like bandits.

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 2021-04-15
Company: Blackhawk Network Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have a purchases I did not make on the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-13
Company: Delbert Services
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a line of credit

Complaint:
I took out a loan XX/XX/XXXX with Western Sky for {$2500.00}. The first payment ( {$150.00} ) was drafted from my XXXX checking account XX/XX/XXXX. My monthly payment amount is ( {$290.00} ). I am current with the loan as of this writing. I have paid ( {$13000.00} ). For the last two years, a company XXXX has been calling my residence and cell phone XXXX times a day. They are requesting that I sign some form of documentation about my payments. For the last six months I have repeatedly asked for documentation concerning my loan, the payments I made, the amount of interest, etc. Only after threatening to stop the bank draft did they finally send me the information. These documents were mailed to my home. I was shocked to discover that I have paid back my original loan amount over five and one half times. 
XXXX is still calling both my home and cell phone several times per day. After doing some research on Cash Call, Western Sky and Delbert Services Corporation, I discovered that these are illegal loans and that in fact as of XX/XX/XXXX, Cash Call, Western Sky and Delbert Services Corporation are being sued for issuing illegal loans. In addition, according to a statement of charges filed by XXXX Department of Financial Institutions, XXXX XXXX, Western Sky, Delbert Services Corporation are all owned by one man, name not given. After reading more reports I also discovered that WS Funding, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX other companies are also part of this illegal loan. I feel as if I have been a victim of fraud by an illegal company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been a victim of identity theft. 
I have sent a copy of the ftc identity theft affadavit, social security card, drivers license, police report, proof of address and everything the credit bureaus requested to block the identity theft off my report. They have violated my fair credit reporting act and refuse to do anything unless i buy their identity theft program. 
They barely speak any english, refuse to give you a supervisor and is next to impossible to find a number for a real person and not automated without buying their services.

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 2017-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
After noticing fraudulent accounts and inquires on my credit reports, I filed an id theft report with the FTC after which I proceeded to call the companies individually and in some cases received help through this very site which I am EXTREMELY GRATEFUL for.Then, I called TRANSUNION and informed them i was a victim of identity theft and provided them with the FTC identity report number and also asked them to remove the fraudulent items immediately since they are ruining my credit.I also called and faxed supporting documents after which they informed me that they will remove all of the fraudulent items within 24hrs.That was almost a week ago!! These credit bureaus need to be regulated more closely in my opinion because all they seem to do is make things harder for the victims and easier for the perpetrators!! I contacted all XXXX credit bureaus in the same day and so far ONLY XXXX corrected the issues, TRANSUNION and XXXX seem to be helping the defrauders more than the victims.I would like someone to EXPLAIN TO ME why is it that when a fraudulent inquiry is applied to my CR 's immediately and it takes 30 + days to remove even though a fraud allert is posted on all XXXX Credit bureaus? if it 's posted instantly it should be removed instantly.While US, the victims are required to spend countless hours and provide countless proof, and to add insult to injury still have to wait a month+, for all these lazy credit bureaus to finish their so called " investigation '' the crooks are free to keep on going with their fraud virtually undetected!!!

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 2016-12-30
Company: Ad Astra Recovery Services Inc
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
attempting to collect on a debt that is 7+ years old and is not reported on any of the XXXX credit reporting agencies reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX account status is showing on my credit as ''type '' is showing as Open this account is showing incorrect and needs to show closed. It was discharged in a CHXXXXBK as of XXXX/XXXX/16. The only thing showing correct is the balance, showing XXXX, but this is causing my credit score to be lower.

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 2016-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 2016-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My credit profile indicates an account that was settled through a court opinion. The documentations was submitted to all credit agencies. However, the reporting agencies are still reporting the account incorrectly. 
The following information still is present on my credit profile. However, this account should state {$0.00} due based on attached documentation. 
XXXX XXXX XXXX Account Type Home Equity Line of Credit Account Status Closed Opened Date XXXX XXXX, 2007 Closed Date -- Limit {$32000.00} Term -- Monthly Payment {$290.00} Responsibility Individual Account. 
Balance {$31000.00}

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 explanation
Consumer complaint received 2015-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
After receiving and reviewing the results of a recent disputes sent to you, I am now requesting the method you used to verify all items.This debt collector did n't have any of information correct and you are reporting the same incorrect info, dates etc .... according to the FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I am requesting this for the following accounts : XXXXThe data you seem to be verifying has been sold to a dept. collector who has gone out of business, then purchased by another dept. collector who has purchased my personal information without my permission. I have no such of any kind of contract with this furnisher. I think that it is appalling that you insist on reporting derogatory and false information on my file. I am asking you to provide me with all documents to support this data. Your dates are not accurate, in question, nor or the amounts being reported. Please provide me in full detail, data that support this. I will pursue further actions in a timely matter against this derogatory data. Please delete this data immediately. I have nothing to do with that account. The furnisher has mailed me incorrect data with my information being wrong. 
As stated in FCRA 611 ( a ) ( 7 ) you must provide this information no later than XXXX days after receiving this request. I appreciate your handling of this request in a timely manner. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
this company dropped my credit score about XXXX point with no apparent reason and are refusing to delete an item even though i sent them the deletion letter from company on XXXX XXXX my credit score was XXXX now it XXXX with no apparent reason and they have multiple duplicated inq on my account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
These XXXX XXXX XXXX loan accounts are appearing incorrectly and in duplicate on my report. These XXXX accounts have been completely forgiven, and I have paperwork from XXXX XXXX to document this. They are no longer owed and have been 100 % discharged by XXXX XXXX and should no longer be appearing under my name ( unless it 's to report positively that these have been closed with a positive status ). After several disputes with XXXX XXXX directly, I was able to obtain documentation in writing that these loans had been discharged from my name. 

XXXX of the places these XXXX accounts appear on my report is correct. They are all reporting under slightly different company names/amounts/account numbers- but it was because XXXX XXXX had transferred the accounts to multiple departments and they reported as well. Transunion has allowed all to remain on my account, even though they are all clearly the same company. 

The other XXXX places these accounts appear are 100 % incorrect- resulting in XXXX negative charges to my report that should not be there, and are negatively affecting my score. I have sent in documentation and disputes to Transunion a number of times, including the letter from XXXX XXXX directly supporting my complaint- but I have received automated responses and no correction. We are planning to purchase a house in the near future, and this is negatively affecting my ability to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I opened a checking account with USAA Bank a few years ago but XX/XX/2015 I had my Veterans Pension directly deposited to my account. I had a checking and credit card account. The credit card account was secured with XXXX deposit from me. My checking account was used to cover my credit card account in case of overdraft. One day last year I had to contact the bank to have them take the XXXX dollar security for the secured mastercard out of my account and deposit it into my checking account but upon hearing the statement that the funds would not be available the same day, I told the phone representative that I did not want to proceed because that was the last question he asked before he would have made it final. So the transaction was not suppose to go through. Eventually it did and caused my checking account to go negative for the XXXX dollar amount and that affected my account due to other financial transactions that was scheduled to be debited. It caused my checking account to be accessed overdraft fees by USAA Bank for the transactions that was pending, etc. I contacted USAA on several ocassions by phone to have the situation remedied but only got some of the money credited but still had over XXXX XXXX dollars owing for a mistake they made. Now my account was closed and my credit card XXXX dollars security deposit was lost.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello ; I have been working diligently to improve my credit rating the last 2 years since I am one who likes to pay cash for everything cash. I realize in order to buy a home, I need open credit lines in good standing. I have opened a few credit accounts recently ( XXXX ) and have a spotless pay history with all of these accounts. My credit score has been reflecting a favorable number due to my positive efforts and managing my accounts. Just today, I get an alert from my XXXX XXXX XXXX XXXX letting me know of a change to my credit score and when I looked, there was suddenly some " XXXX '' company that popped up with a {$560.00} derogatory account ( out of nowhere ). I do not know who XXXX is and I do not have any delinquent or derogatory accounts with anyone in at least 7-8 years. How do I get this off my report? My score dropped XXXX points because of that fictitious entry on my bureau. VERY FRUSTRATING when you have done EVERYTHING right for 2 years and have made a serious effort to improve your rating only to have some XXXX company put some XXXX on your credit report. My credit score took a XXXX point hit and have n't done a thing to incur this. In fact, I make multiple payments monthly on all my accounts to gain a better rating and then this XXXX blind sides me today. Come on! PLEASE help. THANK YOU VERY MUCH!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation