BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Transunion has inquiries on my credit report that are inaccurate. I requested a accurate credit report over 30 days ago and still haven't received anything. The following inquiries are inaccurate : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report 8. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my 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 non-monetary relief
Consumer complaint received 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A XXXX XXXX ACCOUNT WAS PLACED ON MY XXXX, XXXX  AND TRANSUNION CREDIT REPORTS I ADMITTEDLY CONTACTED ALL 3 CREDIT BUREAUS AND DISPUTED THE ACCOUNT MAKING EACH AGENCY AWARE THE ACCOUNT WAS FRAUDULENT ASKING THEM TO PLEASE VERIFY THE ACCOUNT ( I DID THIS THRU CERTIFIED MAIL ) I RECEIVED A RESPONSE STATING THE ACCOUNT WAS FOUND TO BE ACCURATE FROM EACH AGENCY I THEN REDISPUTED REQUESTING PROOF OF HOW THE ACCOUNT WAS PROVEN TO BE ACCURATE I REQUESTED WRITTEN PROOF AGAIN THEY RESPONDED WITH THE ACCOUNT WAS FOUND TO BE ACCURATE ( NO PROOF NO SIGNATURE OR ANYTHING ) I HAVE MAILED EACH AGENCY A POLICE REPORT & A ID THEFT AFFIDAVIT THAT MY IDENITY WAS STOLEN, XXXX, XXXX  & TRANSUNION CONTINUE TO STATE THE ACCOUNT IS ACCURATE WHEN CLEARLY IT IS NOT MY ACCOUNT, SO NOW THAT FRAUDULENT ACCOUNT CONTINUES TO SIT ON MY CREDIT REPORT HARMING MY SCORE, I WOULD LIKE TO GET THIS ISSUE RESOLVED AND CORRECTED THIS ACCOUNT DOES NOT BELONG ON MY CREDIT REPORT ALL 3 AGENCIES CONTINUE TO REPORT A INACCURATE FRAUDULENT ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am not really sure what happened other than I am being told BOFA has reported an account as fraud, I don't have any knowledge of what they're referring to so I filed a dispute with XXXX XXXX as they're the ones provided information that impacted the bank in denying my request to open a checking account with XXXX XXXX and XXXX XXXX. I was made aware of the claim when I attempted to open an account with XXXX XXXX XXXX and was told the account had restrictions and XXXX XXXX stated the same. I sent a dispute on XXXX because I honestly have no idea what this is. A response was returned from BOFA stating it was verified as accurate however NO documentation was provided supporting the validity of the claim. No amount, nothing! Just a side note I am not quite sure when this took place however I have been a victim of identity theft on more than one occasion an as recent as XX/XX/2020 someone file a fraudulent unemployment claim while i was clearly working that I had to dispute and filed a complaint with the FTC. I am getting ready to send a complaint with XXXX as I just got an email with an invoice from XXXX stating thanks for a payment and I HAVEN'T authorize ANY freakin XXXX payment this is getting so fustrating!! So I am escalating this matter with the hope that you guys can resolve this issue for me. Thanks!

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 2016-09-02
Company: General Motors Financial Company, Inc.
State: DE
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I called GM FINANCIAL on XXXX/XXXX/16 requesting a 60 day deferrment. I was advised all I needed to pay was {$200.00} and I would not have a payment due till XXXX/XXXX/2016. The deferrment would cover XXXX and XXXX payment. I provided the checking account information for the funds to come out on the XXXX. During this time I had XXXX which required a hospital stay and a long recovery period. I noticed that as of today XXXX/XXXX/16 the funds never came out for the {$200.00}, and also noticed I was receiving a barrage of phone calls and emails. I called GM back and was advised by a representative that they had the wrong checking account information and therefore the deferrment did not go through. I advised the representative that I wasnt notified and that any negative reporting should be null and void and I shouldnt be past due. Please look into this and see what happened to the call I made on XXXX and why the deferrment didnt go through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24
Company: NAVY FEDERAL CREDIT UNION
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: Credit inquiries on your report that you don't recognize

Complaint:
An unauthorized inquiry that I did not request was placed on my credit report on XX/XX/XXXX from a merchant Navy Federal Credit Union. This merchant was placed in a Chapter XXXX I filed on XX/XX/XXXX. I believe merchant is continually looking into my credit file after the discharge on XX/XX/XXXX. I am requesting an investigation into this matter. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have multiple student loans ; I have an XXXX Degree from XXXX College in XXXX, N.J., a XXXX Degree from XXXX XXXX College in XXXX, N.J. After my job was outsourced I decided to make a complete career change and go to XXXX XXXX College in XXXX , N.J. to become an XXXX, I made it all the way though school but was unable to Graduate due to financial issues- I need several hundred dollars to take a final test and independent study course and {$200.00} to take the XXXX exam. I simply could not afford those tests ; I was having minor health issues and I have been experiencing financing hardship. I would have preferred to make a small monthly payment instead of putting my loans into forbearance but I was told that forbearance was the best option for me. The interest on my loans has increased by about XXXX dollars in the past 4-5 years. How is that even possible? I am only working part-time. I have been trying to find a better job for over two years. However, my car is over 20 years old and is very unreliable, so my options are limited. Further, when I do find a job I ca n't see how I will ever be able to make my student loan monthly payments- which at this time are almost {$800.00} per month. I now regret taking out the loans and I feel like I was misled. I believe that XXXX/Navient purposely steered my toward forbearance, even though they were fully aware that interest on my loans would greatly increase, making it impossible for me to ever afford repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Ive tried to mitigate this credit reporting problem with both XXXX  and Transunion in a civil manner. They are inaccurately showing an unverified bankruptcy public record on my file. Ive disputed this record several times and received back the generic a third party ( XXXX ) have certified this is accurate/verified. Well I reached out to XXXX and disputed this public record with them and they were unable to verify it and removed it immediately! These credit reporting agencies have made my life a living XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: COAST PROFESSIONAL INC
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XXXX, I was informed that because of my prior service in the military, if I pay {$5.00} per month for 12 months, the loan would be forgiven. I paid that {$5.00} per month until XX/XX/XXXX and never lost my federal refund or heard anything from them until XX/XX/XXXX when my federal income tax was taken. I finally received a payment/financial history on XX/XX/XXXX detailing how all funds paid were directed toward the interest and never to principal, including the taken tax refunds. The payments either was applied to interest or fees, leaving the principal to remain stagnant and collect more interest. This is about as dishonest as you can get and I am very disappointed that the same government that I was putting my life on the line to defend would show their appreciation by continuing to gouge and manipulate veterans.

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 2017-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX CFPB : TARP Fund Recipient Bank of America violated RICO and TARP by interfering with and denying me HAMP/HARP. I demand to Close on the Refinancing effective XX/XX/XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX 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 2020-03-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
PayPal credit sent deceptive emails which stated 1. Payments were applied 2. Availability of credit, but I am unable to utilize any.

3. Refusing to apply payments 4. Intentional miscalculation of available credit in an amount that exceeds credit limit preventing me from ever utilizing PayPal Credit 5. Failure to allow other payment methods when checking out. And still declining my transactions.

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 2020-03-24
Company: Healthcare Management, LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted A-1 Collection Agency, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX XXXX on XX/XX/2020. They Did not send me a letter within five days of collectors initial communication including the amount of the debt, name of the creditor, and notice of my right to dispute the debt within 30 days. The collection agency sent me the following payment plan information and not any other information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: FC HoldCo LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Flagship credit has listed wrong information on credit reports. Car was totaled in XXXX. Never heard from company over any balance. In XXXX they list a balance they say I owe on credit report. Loan is over 9 years old and they are reporting it like its a new loan. Dates ate inaccurate and I want it removed. I contacted them and now they put it from a open to closed loan but its still showing on credit report with inaccurate information

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 2016-03-18
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Called yesterday XXXX/XXXX/XXXX to get help concerning student loans with are behind due to wife becoming XXXX and currently can not work due to neck and back surgeries which have not worked thus our House hold income has been reduced by XXXX. What a joke their customer service is. The first line agents know and do nothing, placed on hold each time she had to see if they could help me ( Multiple times ). With all there supposed programs they can not help people in trouble. Been laid off three times ( XXXX XXXX XXXX, caused by the US Government ). At the time XXXX XXXX said I only qualified for a forbearance, never offered any other program or help. Thus around a {$40.00} loan now over {$75.00} ( almost doubled, over {$30.00} in fees and compounded interest ), it is like the banker having the key to the vault, or a payday loan company. I see now why they did not offer me any other helpful programs, they are really just Congresses loan sharks running the system! They get to have their cake and eat it too. I graduated in XX/XX/XXXX, I am XXXX years old. I will never get to retire. The way it is gong I will be dead before these loans are paid off. I am not asking for a free ride, just some real help. Piling more and more fees and compounded interest is not help, it is just helping someone dig a deeper hole in watch one can not get out of at almost XXXX years of age. I am also a XXXX XXXX vet and yes used part of my old GI bill to start college, but the old bill was canceled and thus had to get loans to complete college, while raising a family of XXXX, working full time, and helping put my own kids in college. No Vet should be saddled with college debt at least for a XXXX Degree. Also why do they base the help on Gross income? The US Government takes almost a third of my income out for taxes ( my money that can not to be used to pay my bills ) and that does not count the USG 's requirement to have Health insurance ( More costs ). The US Government created this mess they need to provide real help and fix it. The system has already made enough money off me already. Also they call me at least three or more times a day all hours of the day up to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: CA
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:
XXXX VACATION OWN XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, A XXXX XX/XX/XXXX THESE INQUIRES WERE PLACED ON MY REPORT WITHOUT MY KNOWLEDGE AND THEY NEED TO BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, XXXX XXXX XXXX has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that XXXX XXXX XXXX provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continue the reporting of the disputed account, please understand I will seek legal action. I need the account removed as soon possible : XXXX XXXX XXXX Date Reported : XXXX Balance : {$650.00} XXXX XXXX XXXX Date Reported : XXXX Balance : {$770.00}

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 2022-09-01
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After careful review of my credit reports from XXXX, XXXX XXXX and XXXX, I noticed the following accounts being reported : Medical Data Systems I- XX/XX/XXXX {$650.00} Medical Data Systems XXXX XX/XX/XXXX {$470.00} Medical Data Systems XXXX XX/XX/XXXX {$2400.00} Medical Data Systems XXXX XX/XX/XXXX {$500.00} I have not received any goods and services from this company, nor have I ever done any business with the company. I am unsure how Medical Data Systems illegally obtained any of my personal identifying information. With my limited knowledge of the law, I do know that a contract or some sort of signed agreement between myself and Medical Data Systems would make me legally bound to pay this debt they claim I owe. I am very sure that I have never provided neither a digital nor a wet signature of my personal information to this company on any agreement. 

With that being said, had Medical Data Systems 1 sent a debt validation notice to me as they are legally required to do so, then I would have been able to rightfully dispute these erroneous accounts before they unlawfully caused harm to my consumer reports. Hence, I am requesting that this company provide proof of delivery/receipt that they have sent me a debt validation notice. I have never received any written nor verbal communication as directed via the Fair Credit Reporting Act Law allowing me the proper opportunities to dispute this invalidated debt.

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 2018-01-13
Company: Allied Collection Services, Inc. (Nevada)
State: VA
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 XXXX/XXXX/17 {$220.00} I have received my reports and noticed a third party collection agency was reporting as a open status I have never received a letter or do not even know this company, recently I have been recieving repetitious phones calls intended to be annoying different times of the day from different numbers telling me I need to clear up a debt I know nothing about, I tried reaching out asking them to validate this debt they will never send me anything back in writing they will start calling again from a different number, I would like for this company to provide me signature with me giving a provider permission to share my information with a third party since they claim this debt belongs to 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