BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-10
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have several accounts that appear on my credit report that I have inquired about with Navient to have removed from my report as well as my statement with them I never had a high school diploma or GED at the time these loans were taking out the college did this against my knowledge they knew I did n't have a diploma or GED the college has closed all schools in my area the college was first called XXXX XXXX XXXX which was then named XXXX XXXX XXXX the school was closed for scams as well as fraud plus not being a accredit college. I have received response stating Navient can not find a GED or High School Diploma on file for me which is correct so the loans should be removed due to that it proves what I 've been saying to them the ability to benefit. Navient has a current lawsuit against them and I feel I 'm being pushed off due to this cause this will also prove that loans they have giving out or that Department of Education or XXXX XXXX have giving out to people we 're never investigated or checked to see if they had the necessary documents to receive loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have written the credit reporting agenecies Transunion and XXXX numerous times in the past serveral months about a company reporting a debt on my file from XXXX XXXX MANAGEMENT that sent me a letter stating and i quote as it states in the letter " To XXXX XXXX the purpose of this letter is to advise you that XXXX XXXX XXXX XXXX has closed the above referenced account and will no longer be collecting on this account including account from original creditor XXXX XXXX XXXX XXXX You have no further financial obligation regarding this account. '' It further states that all credit bureaus have been notified ( XXXX XXXX and Transunion ) to remove this item and correct this from your credit report. I immediately contacted the credit bureaus and they have refused to remove items as directed by the creditor as of yet. As this has brought down my credit score drastically being it was a collection acct.and caused me to to be unable to get loans for cars, mortgages, ect. I demand that you inform these companies of the fact that this needs to be removed immediately.I have an open litigation against XXXX in Civil Court that is pending as of now, as they have refused to remove another XXXX of the accts. on my file XXXX bank loan that has been placed on my credit file that is not mine, they have been asked to removed numerous times and have refused. These companies have cost me thousands of dollars from getting loans ect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: EQUIFAX, INC.
State: MA
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:
*******see attachments for detail supporting******* Dear Manager at the Credit Bureau ; Im a little shocked today! Can you help? Btw, happy XXXX XXXX! 

I just refreshed my credit report once again and honestly, I was shocked and surprised that these 3 negative accounts are still reporting on my credit report. I dont understand how is it possible that you actually stated that you VERIFIED this account as ACCURATE. As you can see the screenshots below, and Ive circled the inconsistencies, misleading and incomplete info on the way its reporting. Its my understanding that you must conduct a reasonable and thorough investigation not the computerized 2-digits number through e-oscar. I can not accept pre-printed template results, and this shows that youre NOT in compliant with the consumer laws. Saying that you verified, is a binding & legal contract that I can hold you against. I can promise you that its impossible that you verified these accounts below on the screenshots because they are reporting 3 different dates of LAST ACTIVE, LAST PAYMENT, LAST REPORTED, OPENED DATES, inconsistencies with payment history and payment status, etc. Its impossible and this is in violation of FCRA! Even the High Balance and actual balance is questionable! Also, wasnt both XXXX, XXXX, and XXXX sued before for not compliant with FCRA by FTC and Cfpb? Especially XXXX, for not applying for the payment currently into the consumers account? Im sure they were sued and forced to pay the consumers and removing the derogatory remarks!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
School : XXXX University, XXXX I am having issues with my loan servicer & bank. I have a private student loan financed by XXXX XXXX and serviced by American Education Services ( AES ). I was on a repayment plan with lower, affordable payments. When that repayment plan expired, my payments doubled and I was not able to afford them. I called several times and asked for other payment plan alternatives. Each time, they asked me a series of specific questions and were not transparent about the process. They were fishing for specific answers and if I did not respond with those answers they would deny my request and not help any further. For example, what I gathered from a group of questions was that if you were unemployed, they would only grant you a forbearance if you could prove that you have a job that starts in the near future. I had a job, I just could not afford my payment doubled. At one point, one representative told me to just pay what I can afford and my account would stay in good standing. I knew that was a lie. I 've continued to request help with repayment and have been denied each time. I continued to make payments each month with what I could afford. That amount has even increased over time. But the amount past due on the account continues to grow and my account is delinquent. This seems unfair considering I make a payment each month. I believe they are collecting as much as they can from me now, only to sell my debt to a collector where my options will be even more limited and my credit ruined. I have been dealing with this for about a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My husband and I were unable to maintain the car payments due to my illness therefore we surrender the car back to company. We did n't receive anything stating that we owe anything else on the car or if it was sold. Since then it has been sent to XXXX for collection and is reporting on our credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My concern is about how Transunion reports a BK episodes, in particular the following accounts : XXXX ending in XXXX " In chapter XXXX bankruptcy '' date last reported XX/XX/XXXX ; XXXX ending in XXXX " In chapter XXXX bankruptcy '' date last reported XX/XX/XXXX ; XXXX ending in XXXX " In chapter XXXX bankruptcy '' date last reported XX/XX/XXXX. I have filed a telephone dispute re : this matter today XXXX/XXXX/XXXX at XXXX PST with Trans union ; spoke with representative XXXX for 27 minutes. 
Of note XXXX and XXXX reported my BKs in XX/XX/XXXX and XX/XX/XXXX when I filed. Does Trans union operate on a different set of rules?

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 2017-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I would like to know how does the credit bureau maintain your credit score. I paid off several credit cards last month and I see that the accounts are showing paid in full on my report. However, my credit score is extremely low and I recently tried to refinance my car and was given a higher than usual interest rate, which should have been the reverse since I paid off the majority of my loans and credit cards. I need to know how do the bureaus keep reporting low credit scores when it 's obvious the debts are paid. I have no collections, no judgements and few inquiries. I once read that credit bureaus make more money when people have low credit scores. If this is such, then the whole fair credit reporting act should be thrown out the window when Credit Bureaus are allowed to report inaccurate scores.

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 2015-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXXPhone Number : XXXXXXXXPhone Call Date : XXXXXX/XX/XXXXPhone Call Time : XXXX ESTAfter receiving the feedback from Transunion I reached out to XXXX to receive some verbal information/confirmation since Transunion only verifies electronically. 

I asked XXXX the Debt Collector Agent a few questions regarding this account. Her answers are provided in red:1. What is the Account Name : XXXX XXXX2. What is the information from the debt collection agency? 
Name : XXXX Address : XXXX XXXX XXXX. 
XXXX, FL XXXX Business Phone Number : XXXX Professional License Number : I do not have XXXX What address does this collection belong to? 
XXXX XXXX XXXX XXXX XXXX, Ga XXXX. Have you reported this account to the credit bureau? I do n't know you would have to tell me if it is reported or not. 

4. If this debt was reported to the credit bureau how long would it stay on my file? I do n't have that information as I only have a little information regarding this account. 

5. When is the deadline expiring for me to pay this debt? I do not have this information available as I am only a third party debt collector. All I know is that the debt was acquired in XX/XX/XXXX. 

6. How long have you had this debt? This debt has been in our office since XX/XX/XXXX. 


Per the above responses the Agent was not able to validate anything besides the amount and date ( s ). I do n't consider this validating the debt. Validating a debt would be receiving a copy of a contract with my signature, payments made to the account in my name etc. If the Debt Collector is at liberty to obtain my address from the Credit Agency ( as they have an old XXXX on file ) then that means the credit agency also provided my phone number and social security number too. Transunion verified the name, social security number and address. However the address attached to the debt was not an address listed as current or previous on my credit file. The agent was unable to provide me if this debt was reporting to any credit agency. How can I debt be verified if the agent alone can not verify what is and is n't reporting to anyone. They are a debt collector this information should be known. If this debt was acquired in XX/XX/XXXX the SOL has passed on this account. So why put an account you ca n't even collect on my account. I currently have XXXX and in order to get service I had to pay previous balance ( which was none ) as well as a deposit which was on {$50.00}. XXXX has already verified that I am not currently in collections nor have I ever been. Please remove debt. The attached documents shows My correct XXXX account and that I am not currently in collections as my balance is a little over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Well, 4-5 years ago I had cable XXXX and always paid my bill on time but was very unsatisfied with the service. ( They did n't hook up the right amount of boxes for the amount of rooms then wanted to charge me {$100.00} to get another box that I was suppose to have gotten for free at initial hook-up, so I just let that go and stayed with the one box I got. I did have to pay to get switched to the channel line-up program that I was suppose to have had to begin with. : just a couple of examples of why I was unsatisfied ) So I decided to cancel my service, and just learned that they 're still XXXX 4-5 years later ) trying to collect {$380.00} just for cancelling my service early. I did n't even know that they 've sent it to a collection agency until now. There 's no way I can pay that because I raise my XXXX kids by myself and have to scrape just to pay regular bills and necessities! How can I get them to drop this debt? And I had service through XXXX in either XXXX or XXXX so I 'm wondering why they waited until XXXX to send the debt XXXX to try to collect it. (? )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have done multiple disputes against a XXXX XXXX XXXX account that shows delinquent status. Transunion is the only credit reporting agency that shows incorrect information marking my account as delinquent. I have disputed this directly with XXXX XXXX XXXX through XXXX and they responded stating that the information is correct on their end. They are NOT reporting any delinquencies during the time the account was opened with them. Please dispute the delinquency on the attached Mortgage account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-11
Company: Pinnacle Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX XXXX, I paid this debt in full in the amount of {$940.00} to the original creditor XXXX XXXX. As a result, the debt was also removed from my credit file and XXXX XXXX presented a XXXX dollar balance. On XXXX XXXX, XXXX, I received communication from XXXX attempting to solicit monies in the amount of {$1000.00}, which is even more than the original paid debt. The collection letter states they are working on behalf of a company called Pinnacle credit services not the actual original creditor XXXX. The letter states Pinnacle owns the alleged debt. I 've never received communication from either company prior to this date. This appears to be a recycling of previous debts and fraudulent activity as I do not owe the alleged debt to XXXX XXXX or Pinnacle. After receipt of the letter, I contacted XXXX XXXX who was able to confirm that I do not owe any money. I want this company to cease from any further communications or collection attempts on a debt I do not owe to them. Please stop selling my information to obtain financial gain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I did not have a charge account with XXXX Card that began with Charge Account No. XXXX back in XXXX XXXX, 2014 They have violated my rights and stated that I had a balance of {$3400.00}. They marred my excellent credit. I have faxed and repeatedly called them but they will not address this situation with me. Would you kindly escalate this matter. 
Regards, XXXX XXXX XXXX email : XXXXXXXXXXXX

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 2015-05-13
Company: Pacific Union Financial, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was flagged for bankruptcy. I called Union Pacific and was told I could not fix the problem since I had filed for bankruptcy in XXXX. I live in XXXX, XXXX and my mortgage with the company is for a home in XXXX. I had to call numerous times and finally was transferred to XXXX XXXX the bankruptcy representative. He did some research and stated that I had filed for bankruptcy in XXXX. I informed him that was impossible and may be a case of identity fraud. After doing research XXXX found out that there was an individual with the same name and same last XXXX numbers on social. However when he researched looked for the birthdate and whole XXXX digit social it was different. XXXX promised the issue would be resolved and I would never hear of the issue again. It has been a several months and It has showed up on my credit report the last time I checked. I can not log into my Pacific Union account as it is still flagged as having bankruptcy. Pacific union should have verified all the information before flagging me as

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Have tried several times to get my credit report to dispute inaccurate information but company refuses to provide online access.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Transunion has blocked me from viewing the results of their investigation and has refused to remove erroneous information form credit report specifically XXXX which is not my account and is fraudulent account and XXXX account has never been late and is over seven years old which should be deleted I have attached a settlement from XXXX XXXX for reporting erroneous information on consumers credit reports which are in violations of the FCRA and Debit collection acts.

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 2015-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I received a deletion letter from a creditor to remove an account from my credit file and inform Transunion about the information. Transunion told me if i can fax them the deletion letter they will remove the account from credit file within XXXX business days. Therefore, I fax Transuinion the deletion letter but Transunion told me they are not going to accept the deletion letter. I asked Transunion to send me a letter in writing why they are not accepting the deletion but they are refusing to send me any correspondence in writing and also refuse to delete the account as per request by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
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: Account information incorrect

Complaint:
XXXX XXXX XXXX Balance {$0.00} - Your records are currently reflecting a past due balance, this account has been closed and charged off and should not be showing any balance. Delete account for violation. 

XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete 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 2017-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This complaint is in reference to File # XXXX. XXXX XXXX XXXX has reported an eviction in the amount of {$4700.00} In the month of XX/XX/XXXX. Also a public record from XXXX County Circuit Court In the amount of {$1100.00} both are from the same original creditor ( THE RESERVE AT XXXX XXXX APARTMENTS ) both have been reported on credit report. On XX/XX/XXXX I contacted Transunion @ XXXX I spoke with agent from XXXX by the name of XXXX. I told XXXX that I wanted to dispute some accounts that are being reported inaccurately and I asked about the difference in the amounts for the XXXX XXXX XXXX XXXX Account. I questioned the Amount of {$4700.00} which i have no knowledge of and how could Transunion allow such a huge amount to be reported on credit file without legal and proper doccumentation. I was advised by XXXX that i could dispute both items. Upon my disputes i requested for validation of debt and a billing statement with the list of charges from the collection agency. The court order was only for {$1100.00} where did they get {$4700.00} from? I called back on XX/XX/XXXX to do a follow up of the disputes on that day I spoke with an agent in the special handling department by the name of XXXX, i asked had there been any response back yet and she stated that she did not see any accounts being disputed at that time. I told XXXX XXXX that could not be possible because on XX/XX/XXXX, i also gave her the agents name and the file number that wsa given to me on that day. XXXX XXXX place another dispute on both items again and she stated that she could call XXXX XXXX XXXX to see if that would speed things up. The response was from a collection agent by the name of XXXX XXXX, she responded that this debt was verified and consumer needs to pay the debt. I recently had a tenant screening done my application was denied for having a Public record And eviction on credit report with XXXX different amounts appeared to leasing management as seperate evictions. 

I have no knowledge of this agency an the amount that is being reported on my consumer files. I have no contract with this Third Party Collection Agency. They are in violation to my consumer rights. If this continue to remain on my consumer file, further actions WILL be taken! PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT PERMANATELY.

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