BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Complaint Against TransUnion for FCRA Violation Failure to Investigate Dispute Timely Dear ( CFPB ), I am writing to bring to your attention a matter of concern regarding TransUnion 's failure to adhere to the Fair Credit Reporting Act ( FCRA ). On XXXX XXXX I submitted a dispute to TransUnion regarding inaccuracies on my credit report Account YES XXXXXXXX XXXX XXXX XXXX XXXX  who also reports as XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ). According to the FCRA, credit reporting agencies are obligated to investigate and respond to disputes within 30 days of receipt. However, despite the passage of the stipulated timeframe, TransUnion has not entered a notice of dispute or conducted an investigation into the matter. This apparent violation of the FCRA is concerning as it undermines the fundamental purpose of the XXXX ensure the accuracy and fairness of consumer credit reports. I kindly request that the CFPB investigate this matter, enforce compliance with the FCRA, and take appropriate actions to rectify the situation. Your prompt attention to this issue is greatly appreciated. 

Sincerely 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 2023-12-26
Company: MOHELA
State: NJ
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:
For my loan to be forgiven I have to pay XXXX payments. At one time I was XXXX  payments which means I paid XXXX Payments. I check back and now they are saying I made XXXX payments. Which is it? How could it change? My loans should have been forgiven and now they are reporting my loans payments inaccurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My XXXX loans are still appearing on my credit reports ( XXXX and Transunion ) as active. These loans were XXXX through PSLF and I received notice of this discharge on XX/XX/2023. It has been a significant time since this, including the arbitrary 90 days stated by XXXX, and there is no reason why these are still appearing as active loans on my credit report. 

I have contacted the company multiple times and have not been able to get a coherent reason as to what is happening and why these loans are still on my credit report. 

I would like these accounts closed and loans removed from my credit report immediately.

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 2023-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Unauthorized transactions on account and bank is not honoring terms and agreement provided, bank is also violating 1974 privacy act law providing photos and pictures and public and pribate information to 3rd parties vendors, also this is a notice of securities fraud for not crediting 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 2023-12-27
Company: CITIBANK, N.A.
State: WI
Product: Credit 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 been dealing with this for 5-6 months. According to the law the company has 30 days to validate the debt. The companies time to validate the debt has long expired and I am uncertain to why it has been allowed to go this far along. The company CAN NOT validate charges, dates, merchants, pricing, etc from XXXX to XXXX of 2023, as they CAN NOT view or access the account for that time frame. Because the company, nor myself can access/view this time frame, the debt CAN NOT be validated and the account should have a {$0.00} balance due to the company negligence. I am not taking anything else for an answer or response. It is the LAW.

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 2023-12-27
Company: MOHELA
State: NY
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:
I write to apprise you of an issue I am having with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri ( MOHELA ). This issue relates to the Department of Educations on-ramp, in which a retroactive forbearance will be applied for payments missed between XX/XX/XXXX and XX/XX/XXXX. 

Representatives of MOHELA have provided myself and other borrowers with incomplete and misleading information about the on-ramp. This afternoon, I spoke with a MOHELA representative, asking her to confirm that I would be eligible for the on-ramp. Although I knew about the on-ramp through my own research, I wanted to confirm, for the avoidance of doubt, that my account would be eligible. MOHELAs representative denied having any knowledge of the on-ramp or of any retroactive administrative forbearance. It was only after I explained to her that I was an attorney and knew the details of the program that she finally acknowledged its existence, although she still did not confirm that I was eligible. ( When I asked to speak to a supervisor, the representative told me that this would entail a hold time of two to three hours. ) I do not understand why it should be this difficult to get basic information about my student loans from MOHELA. And it concerns me greatly that borrowers who are unaware of the on-ramp are being given incomplete and misleading information, potentially causing them to lose the benefits of this important provision. 

I note that this is not the only issue that I ( and other borrowers ) have had with MOHELA. My request to be enrolled in an income-driven repayment plan was denied twice without adequate explanation, and call hold times to clarify the matter have spanned hours. Processing times are unacceptably long I submitted all requested supporting documentation on XX/XX/XXXX ; MOHELA has yet to take action on my request. 

It is my hope that your office can address these problems, for myself and millions of other student loan borrowers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: LendingUSA
State: CO
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Im am constantly charged fees for payments days after. I was short a dollar in my bank account and they charged me a {$120.00} dollar fee with no bill sent and not explanation then call me 28 days later saying they are collecting my debt. I cant pay my loan back if they keep charging these fees. They are non negotiable and Im and exhausted financially because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I attempted to pre-qualify for a credit card with XXXX XXXX XXXX XXXX  secured credit card I was informed that there is suspicious and fraud associated with my personal information with identity theft issues names XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Missouri XXXX phone # ( XXXX ) XXXX XXXX XXXX XXXX  email XXXX 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 explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. 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 non-monetary relief
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer Identities as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I told the XXXX, XXXX, and Equifax to reinvestigate the multiple Bankruptcy that are listed on my Public records as this information has been updated and all XXXX XXXX Bankruptcies has been removed from my XXXX Consumer report dated XX/XX/2023 case number : XXXX. There is only a XXXX XXXX  that is reporting which is also back in dispute with XXXX as of XX/XX/2023. However, they stated everything was completed and accurate. But how is that possible if the Courts don't report anything to any credit report agencies, and their source XXXX has remove the information from my report. The reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ). and the information must be deleted immediately. 

I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please remove the following addresses as they are NON-MAILABLE addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX I instruct XXXX, XXXX, and EQUIFAX to remove these non-mailable addresses. 

Please also remove all recent hard inquiries pursuant to 15 USC 1681. Any new inquiry was an UNAUTHORIZED transaction. 


Also, please remove ANY AND ALL CHARGE-OFFS from my credit report. Charge off is considered a certificate of indebtedness and is also considered income. It must be removed or updated to paid on time never late, because you can not report income. It is ILLEGAL to report transaction history! UPDATE IT TO PAID AS AGREED IMMEDIATELY. Pursuant to the PRIVACY ACT OF 1974 and FCRA ACT. 


XXXX, XXXX, and EQUIFAX is reporting INCORRECT INFORMATION. You all continue to violate my rights when I have continuously written to you to conduct investigations and provide me with proof of who and where you confirmed your information with. With that being said, I have counted well over 20 inaccuracies as far as the wrong dates, wrong amounts, incorrect remarks, and much more. Pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance, I am due compensation for your negligence and noncompliance to report accurate information even after investigations have been completed. Attached is proof that you continue to report inaccurate information even after I have had multiple communications with you all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am a victim of identity theft and have made this clear to this company. 

I sent the first letter to them on XX/XX/2023, letting them know I am a victim of identity theft and that 5 accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the second letter to them on XX/XX/2023, letting them know that I know they have 30 days to verify the disputed accounts and that I hadn't heard from them yet. 

I am sending the third letter to them today, XX/XX/2023, letting them know that I still have not heard from them and that further action will be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I am sending the fourth letter on XX/XX/2023, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I informed them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm that they have done a single thing to protect me and my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I XXXX XXXX. XXXX contacted Equifax via certified mail on or around XX/XX/XXXX and XX/XX/XXXX that there were inaccuracies reporting on my credit profile to do with a late payment from XXXX which is a closed account and also a bankruptcy record that is reporting inaccurately. 

I submitted a dispute letter on XX/XX/XXXX to Equifax as follows : Dear Equifax : My name is XXXXXXXX XXXX XXXXXXXX. This is a letter to request the reinvestigation of the above confirmation number in reference to the Public Record from a XXXX  XXXX Bankruptcy on XX/XX/XXXX. I previously disputed this public record and according to the Equifax credit file dated XX/XX/XXXX, the Public Record information is verified and obtained through a third-party XXXX. 

The results of your investigation through XXXX are inaccurate because the report that I have from XXXX does not have any bankruptcy records reported under my name. The bankruptcy is still on my credit file from Equifax and this is entirely inaccurate and as such represents a very serious error in your reporting. This is a direct violation of my rights under the FCRA as the information must be reported with 100 % accuracy. According to the Fair Credit Report Act all information must be reported with 100 % accuracy. 

This public record must be deleted from the report as soon as possible or you will be sued to the fullest extent of the law. I further understand that you must complete your re-investigation within 30 days of receipt of this letter ( XXXX5 U.S.C section 1681i ( a ). ) Once you have deleted this record, please send me a copy of an updated report. Thank you for your assistance.

I personally signed and sent this letter. 

Sincerely, XXXX XXXX Equifax responded on XX/XX/XXXX that as a result of a reinvestigation that a discharged bankruptcy remains on the credit file and that the records are obtained through a third party vendor, XXXX. According to my Consumer Report from XXXX there is no bankruptcy reported in section 9 of my consumer records. I contacted Equifax to dispute the inaccuracy because in their letter they indicate that they verify the public records through XXXX of which there is nothing reported as far as a bankruptcy but Equifax is violating my rights as the information must be reported 100 % accurately and they are continuing to report this on my credit file. 

I have also disputed the late payment of XXXX which is a closed account and this is not being reported by XXXX or XXXX. My credit file is supposed to be reporting accurately across the board with XXXX late payments and Equifax refuses to correct this late payment status on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX Is showing this is a negative account and this account doesnt belong to me and XXXX has closed it but Trans Union still showing as a negative 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 non-monetary relief
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 explanation