BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The TransUnion Credit Bureau is reporting a different information compared to other Credit Reporting Agencies. I sent a letter to TransUnion Credit Bureau on XX/XX/2022 informing them of their inaccuracy. The account XXXX XXXX XXXX with a Balance : {$0.00} is only reporting in TransUnion and was deleted from the other Bureaus because of the inaccurate information this account provides. If only TransUnion had been keeping their records accordingly, this account should have never been reported as delinquent. I am submitting this complaint to inform TransUnion to remove this erroneous account from my Credit File.

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 2018-02-01
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
when I applied with student loan services to have my loans combined together, I asked them to transfer it to XXXX XXXX XXXX since I had my existing loan of XXXX. Then I called XXXX XXXX XXXX and asked them when my loans are transfer to them just like my existing loan if will go under XXXX  where I don't make any payments and the representative said yes. I was hospitalize a while later and I was in out of hospital and pain medication for about 6 months. two months after I was out I find out that XXXX XXXX XXXX didn't process my loan payment as XXXX and late payments were reported for 120 days. this is incorrect due to my XXXX which I'm still receiving XXXX my payment is XXXX. no late payments should have been reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

XXXX : XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$1400.00} XXXX : XXXX XXXX Balance : {$3200.00} XXXX : XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$1400.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

XXXX : XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$1400.00} XXXX : XXXX XXXX Balance : {$3200.00} TRANSUNION : XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$1400.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-03-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Its started with me wanting to buy a XXXX XXXX XXXX   for my girlfriend. I went on offer up and I see a person who I thought was legit. His name was XXXX and the XXXX was for XXXX. I press to buy it on the app but dont work so we used XXXX and that dont work. 
So well did XXXX for my bank chase. I did because I believe they will hold the money and no give it to him and believe chase is very secured. He send me a request under the name XXXX XXXX with the number ( XXXX ) XXXX on XX/XX/2020 For 4XXXX for a XXXX XXXX. 
I accept he received that same day in real time. But claim he dont receive anything. So I called the bank 7 time through the XX/XX/XXXX-XX/XX/XXXX and they said they cant help me and they cant hold the money in real time and they cant give me my money back to even if its a chase to chase account transfer. And the person still claimed that he dont receive anything and also wanted me to send more money to show me how the process should be. I file a report for fraud because I believe he stole for me. But even if he dont he dont receive the money Where is the money because its not in my account. I have been robbed and the bank I trust dont help me in nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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:
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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : " XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : $ {$15000.00} "

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of the EQUIFAX data breach in that on XXXX XXXX I was made aware of several HARD INQUIRIES that were NOT initiated by me. 

I was given a letter of courtesy by some of the FRAUDULENT Hard Inquiries that have been removed : XXXX XXXX XXXX - Pending, letter confirming backlog of requests to remove fraudulent inquiries. 

Now, I filed an incident report with XXXX XXXX XXXX in California due to the fact that I was told by XXXX until I did so, I they would not remove a HARD INQUIRY. 

Now, they after doing so they still refuse to remove the false hard inquiry which falsely stays on my credit report for 2 years, even though My credit report has been in a FREEZE status for several days now, and to prevent further problems with my credit, there is a fraud alert on all 3 reports. 

XXXX said I had to mail an affidavit to them, which I did and I also mailed a copy of the XXXX XXXX Fraud Complaint to prove the fact that I NEVER applied for credit with them, but they still refuse to remove the false inquiry. 

In closing, even law enforcement said that XXXX never cooperates with their investigations and I have seen first hand that they arrogantly refused to remove this inquiry for a revolving credit application on XXXX XXXX. They refuse to give me a copy of the application for credit which I have been told is my right. 

The reference number for this incident by XXXX is Customer # XXXX I know that my confidential and personal information was compromised. To obtain credit online they have my correct SSN, My Drivers License, and my DOB. They have all been used to attempt to purchase an automobile, over {$6000.00} in furniture, and 9 credit cards have been closed due to fraudulent charges. 

Please help me with XXXX because they are allowing false information to remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Equifax about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$69.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was a victim of identity theft. Per FCRA section 605 you are required to BLOCK any account listed on an IDTheftReport # XXXX. Ive already included this report in a previous letter & I have included it again. This letter is to notify you if you do not block the listed account on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. This is your final warning. Please remove the following items listed on my fraud report. Please re-investigate this matter and correct the disputed item as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX  ; XXXX  and Transunion are reporting incorrectly a charge-off in the amount of {$1100.00} on the XXXX partial account number XXXX. ( Please see page attached. ) This account has been paid and should not be reporting. I have attached a copy of the payment letter from XXXX dated XXXX proving this account has no balance due. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have to contacted the bureaus to remove this however, I have not been successful.

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 2020-03-10
Company: Specialized Loan Servicing Holdings LLC
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 we started making payments to CMC Funding Inc, who then had SLS ( Specialized. Loan Service LLC ) take over the payments. Starting in XX/XX/2019, we started getting incorrect statements saying we were behind two payments. They even sent a person to our home to make sure that someone was actually living in it. Today I received a statement that states we are four payments behind, or they have put a lot of late fees on the bill. 
In XX/XX/2019, we went to our bank and from the bank, with the assistance of the Manager, we  faxed bank records to SLS showing that we were current. This has continued since then. Every month we get phone calls and a visit from a gentleman that assures them that we still live here. In XXXX we went once again to the bank and once again with her assistance we gathered all our information and sent it on its way to SLS. Nothing is working. They send us outrageous monthly statesmens, phone calls to no avail, however they are not listening to us or our bank, when we provide the proof of payment. 

We are at the end of a very short rope ... meaning, we are both retired, living off Social Security, making our home payment, and we can not get this company to do their due diligence by researching on their end to see where the payments are going and why it takes so long at their end for the payments to get documented in their system. 
I want to sue them for the balance of our loan. The amount of work, XXXX  and XXXX XXXX   and XXXX  that they have placed on my husband and I for the last six month is overwhelming to put it mildly! I can not keep going like this for the remainder of our loan balance. Granted we just started, however this is so ridiculous for us to go thru every month! We need help dealing with this company as they are not listening, nor are they reading the documents that we are sending from the bank. I have no idea what I need to do next. We have exhausted all of our options.

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 2017-03-13
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Goal : Getting my delinquencies from XX/XX/XXXX - Present expunged under my credit report and loan in Deferred status. 

I have a private student loan that has been sold to University Accounting Services ( UAS ). 

I am a current XXXX full time student in a four year university and am concerned about improper reporting on my credit report. I have taken time off school but have been in full-time attendance from XXXX - Present and would like the delinquency on my credit report for these months taken off under deferment or forbearance. I am not currently employed while I am in school. 

I have called the following times to the company in order to resolve this issue. 

XXXX XXXX - called and talked with XXXX XXXX XXXX - called and talked with XXXX and sent in Deferment forms to XXXX XXXX XXXX - called and talked with XXXX and XXXX XXXX XXXX - called and talked with XXXX XXXX XXXX - Got a call from XXXX saying he would communicate with my client rep XXXX XXXX - called and talked with XXXX XXXX XXXX - emailed XXXX XXXX XXXX - called and talked with XXXX to confirm once again that the loan was private XXXX XXXX - called and XXXX mentioned he would email/talk to my client rep for an update and send me an email of confirmation ( never received email ) All calls since XXXX were under the goal of getting my delinquencies from XX/XX/XXXX - Present expunged under my credit report. The company has not been very helpful in giving me the options I have available to me given my student status and financial situation. They will not let me talk to the client rep in charge of my account, instead I have to talk to a proxy ( XXXX ) who then says he will communicate anything I need to say to the appropriate parties. 

I am not disputing the validity that I borrowed for student loans, I would just like credit report to reflect the truth of my current situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There are late payments showing on my Navient Student loans- I have several due to Navient back in 2016 due to the fact that Navient was steering me towards forebearances instead of letting me know that I was able to do an income based repayment plan. Once the forbearance was over they never sent notification that it was over and I recieved very unclear and about how to enroll in income-driven repayment plans and how to be able to manage my student loan payments. Navients negligence to give me information when I tried to reach out to them really affected my report as they continued to report late payments on all of my loans. I finally was able to research information after months of trying to get help from Navient. I was able to get help from a financial aid officer at the school who advised me that I could consolidate my student loans, request a new servicer and also apply for Public Service Loan forgiveness since I worked in Public Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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: Information belongs to someone else

Complaint:
The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. CHILD SUPPORT ENF AGXXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00}.

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 2022-07-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need this account deleted or updated. 
Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I sent a letter of debt validation  on   XXXX   XXXX   XXXX   and they ignored my letter and sent me the attached letter which I received on   XXXX   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18
Company: Total Card, Inc.
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have I put forth good faith effort to contact this TCI, Inc and XXXX XXXX XXXX who TCI, Inc says they represent. I have put in a request for validation of my debt. It has know been over 90 days since last communications from TCI Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Experian Information Solutions 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 XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 im XXXX  now

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