BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hi This is third time complaint against TRANSUNION credit bureau. I have asked over phone spoke to XXXX supervisor at TransUnion about my credit score. I asked them on what basis TransUnion reported my credit score and who was given authorization and XXXX said that no need any one permission he can get any one information they want no stops and he said I can spoke with PRESIDENT OR MAYOR who ever I want to talk with, TransUnion spoiling the United States culture, they dont care about customers and poor people .is this the mean we are printing on every $ note saying IN GOD WE TRUST. They are not really believe humans how they believe in God. They are telling they are the law. 
By the way I was cruisified by TransUnion credit bureau. I have XXXX XXXX XXXX credit card from California when I was student. This credit card I have used for my tuition cost and reloading credit card and utilized for my wife XXXX expenses. In XX/XX/XXXX I have lost my car with my entire wallet before my wife delivery I lost XXXX $  money in Travel card which was I kept in car. I dont have any claims I just got police report. There I got stuck with my credit card payment. I have told many times many people that I have extreme hardship but no one cares. Really I dont understand whats going on. Because of TransUnion I was denied credit cards and my car payments got touched roof, I cant even save XXXX XXXX every month because of TransUnion. Please help me to come out from TransUnion hands, they are really bad people for United States.

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 2017-07-04
Company: GREAT LAKES
State: MO
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 briefly logged into my XXXX email after not being able to login for some time. <P/>I was given notice that my student loans were due before proceeding on to the income based repayment site to setup a new arrangement. <P/>I already had an arrangement in place, yet the following information showed up in my XXXX email, which I did not have access to, this University is presently under investigation regarding its environment and allowing it to be hostile to students and new information was sent to the Attorney Generals Office regarding their collection practices, before and after they were attempting to force collection efforts for an amount that was not factored correctly : CURRENT INFORMATION AS OF XX/XX/2017 Total Amount Due {$1400.00} Total Due By XX/XX/2017 Past Due Icon Your account is past due. Please see your billing statement for more information. This bill has 2 accounts : Stafford Loan Account with U.S. DEPARTMENT OF EDUCATION ( XXXX ) Payment Reference Number : XXXX Stafford Loan Account with U.S. DEPARTMENT OF EDUCATION ( XXXX ) Payment Reference Number : XXXX This payment, along with a {$5000.00} payment is set by the school for repayment. <P/>I recently just filed for unemployment benefits and may be working soon, as well as returning to school, however MANY efforts to force repayment have been occurring, along with efforts to force homelessness, impoverishment and inability to return to school have been gathered. <P/>I recently attempted to work with the school, and advised them, I could not speak to them regarding the debt owed while the investigation was going on as it would be a conflict of interest. They had called on a Monday and again on Friday ( Friday is when I shared this information with them ) after the two calls, I finally was able to login to my account and noticed extra charges on top of the ones that were not supposed to be added, as I never attended the Summer Session, also when I did attend the school I did not receive the services I was paying for. The reason that the services were not provided were some of the matters being brought up in the OCR and Missouri Commission on Human Rights investigation. <P/>These issues have been made aware to the Attorney General during the times when the school reached out for payment. An update to the Attorney General website is pending, as we acquired a confirmation number upon the most recent visit and will provide more updates, if no other case number has been assigned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
My XXXX I have had for 3 plus years and have never ever ever missed a payment and always paid in time. I have never asked for extensions and I always pay a little more than minimum due. My credit limit was {$8900.00}, which I have never been close to reaching and Barclaycard automatically went ahead and dropped it to {$6100.00}. Now they have hurt my credit report by showing my credit usage has gone extremely up and I feel that is very shady and uncalled for being that I am a long term customer and have been loyal and paid my bill on time every single month. Now my credit report is affected. I have no unpaid debts, EVERY SINGLE one of my credit cards or store cards are paid on every single month. I have a very steady job no gaps in that, no bankruptcy, no payday loans, no outstanding doctor bills even and this company does this to me. I feel this is very very wrong and at the least they should move it back to the {$8900.00} as they are causing harm to my credit report. I have reached out to them and got no response, I would like this fixed. I have attached my information from my credit report showing I am in very good standing with this company AND even shows I have never been late and pay my bills. Once this is reported in XXXX by Barclaycard they will have done major impact to my credit report and score and that is not right at all. I am at no risk not paying my bills and never have. My own bank account is never in the negative either!! This is not right at all

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 2017-09-27
Company: Io, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX 2017 I received a phone call from a debt collector indicating that I have an outstanding balance from a medical service. I asked for them to send a notice of the debt and where it came from but I never received it. I have no knowledge of this debt therefore, I want this 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 explanation
Consumer complaint received 2017-09-27
Company: CITIBANK, N.A.
State: AL
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:
CBNA inquiry posted as a hard inquiry on XX/XX/XXXX.This inquiry was posted on my XXXX credit report. Ccb/ppc did the same thing on XX/XX/XXXX and it 's on my XXXX credit report still showing as a hard inquiry. I have n't given either my permission to run a check.

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 2017-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
I have multiple inquiries that are unauthorized and have been removed and reinserted on ny repor t I will u pload all inquiries to be removed

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 2022-04-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I filed a previous complaint and the company responded with the same old song and dance routine. I can't understand how a company with this much " smut '' on their face can be allowed to remain in business. I am attaching a letter and sample postings on the Consumer Affairs and XXXX XXXX XXXX sites.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX 2021. And now we are in the month of XXXX 2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE THIS ACCOUNT FROM MY CREDIT REPORT : 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 2018-03-14
Company: SLM CORPORATION
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Sallie Mae is trying to keep me from being able to pay my loans. I have been a borrower since XX/XX/XXXX  Due to their unfair interests rates I am now owing XXXX. Since XXXX I have tried to work with them for some way to lower my payments. With my job, I was not making enough to make a payment of ovwr a grand a month. Sallie Mae lies. Numerous times, I have tried to forebear my loans. Somehow, they always fprget one to three loans ( I have 8 ) and I end up getting markes for a late payment ( when the loans are suppose to be forebeared ). I have talked to the agents numerous times about repayment options. I was told to let my loans go into default, then their will be better options! By the customer advocate department! So even the employees know Sallie Mae is full of XXXX. I also realized how I was connected in the XXXX situation. They tried to hide that too! I am over Sallie Mae not giving their borrowers better repayment options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: EQUIFAX, 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:
I AM A VICTIM OF ID THEFT. PLEASE REMOVE THE REMAINING ITEMS LISTED ON MY FTC REPORTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-04
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Hi CFPB, I 'm writing in furtherance to my previous complaint  XXXX . Navient 's response did n't address my concerns. I 've found out that when I make a payment that only {$2.00} goes to principle. Everything else goes to interest. I 'm  XXXX  now. I 've been making payments for a long time. I 've had my loans consolidated before and I do n't believe I was given accurate information on how this would effect the balance of my loans. They have not gone down at all. I believe that Navient failed to disclose the necessary terms of the student loans repayment and that the interest rate just resets itself. I can not keep making these types of payments. I think I 've been misled.   XXXX  Thank you for all your help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: MD
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:
- I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-04
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On  XXXX   XXXX ,  2017 , a man knocked on my door to notify me that he bought my home on Auction at  XXXX  that morning. I had no idea my home was up for auction as I did n't receive any notification of such. I immediately reached out to the company Wells Fargo Referred me t o (   XXXX   XXXX   XXXX   ) to  assist with my loan modification documents and they stated they were also unaware of any auction date. My loan became delinquent about 8 months ago after my   XXXX   XXXX   was cut and I have been working with Wells Fargo the entire time to receive some sort of assistance. I recently received a new job with a higher paying income and submitted the new documents to be considered for assistance. I was informed by  XXXX   XXXX   XXXX  that once they received these documents ( the offer letter  ) th at we could move forward with mediation. I have sent numerous emails and made numerous phone calls inquiring of the status of my modification since and received no follow up until the morning I received the knock at my door. I had no chance to file bankruptcy or take any other steps to save my home. I want a fair review of my application.

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 2017-09-27
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
When I attempted to get my annual credit report, all THREE reporting agencies stated that online credit reports are not currently available and they provided a phone number to call or recommended writing a letter to receive the my credit report ( after completion of the request form ). I believe the law requires easy access to an individual 's credit report annually but the current behavior of the reporting agencies creates a barrier to individuals who attempting to review their credit reports.

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 2022-04-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My bank account with USAA was hacked on XX/XX/22. The hackers called me on XX/XX/22 and spoofed USAA 's actual number. A month earlier, my credit card had unauthorized purchases on it. USAA called to verify these purchases, and they were indeed unauthorized. Hence, USAA canceled my credit card and sent me a new card. The credit card fraud case appeared genuine. In this case, the hackers acted like a USAA representative. They stated that my debit card had unauthorized purchases on it. I never use my debit card. After a 30-plus-year membership, I am familiar with USAA 's routine. The operator ( hacker ) sounded legit. I denied the debit card purchases the operator gave me, and then he said to continue, he would need my log-on pin. Requesting this pin is a standard procedure for USAA. Then he said he would put me on a brief hold to send me a verification text. This verification hold took longer than expected. I felt that something was wrong, so I hung up. Approximate 10 minutes later, I received a text indicating that a wire transfer was initiated from my account for thousands of dollars. My experience with wire transfers at USAA is that they need to be set up in advance. This process can take days to complete and involves small sums of money sent and received in advance between the two accounts. How was this hacker able to send a wire transfer without first set up for one? I called USAA to stop this wire transfer. By this time, I was unsure who I was talking with, the hacker or USAA. It turns out I was talking to USAA when I called back. 

Eventually, USAA was able to retrieve the wired funds. They did help me change my password information. Before this event, I changed my user and password information annually. My passwords are lengthy and complicated, and I also use two-factor authentication. The hackers had to have my user login and password, meaning USAA got hacked. USAA is not taking responsibility for the hack. I now know this has happened to many other USAA customers. USAA has stated that I should sign up for credit monitoring. I contend that USAA should pay for credit monitoring. Their institution is unsafe, and they do not own up to their responsibility.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My Bank of America Visa XXXX was stolen and was used fraudulently three times at the XXXX XXXX in XXXX CA ( Store # XXXX ). I reported it immediately to Bank of America and so they cancelled the card right away. However, the fraudulent user was still able to use it and successfully charge three {$4000.00} charges at the XXXX XXXX for a total of {$12000.00} Bank of America told me that I was not responsible for the charges since I have " Fraud Protection '' on my credit card account. However, when I received my statement, there was a total of {$12000.00} charges on my account. 
I reported the theft incident to the XXXX Police department, and XXXX XXXX XXXX ( Badge # XXXX ) filed a police report and assigned it a Case No. XXXX. The XXXX police department is currently investigating the incident and I am waiting for the results of their investigations. 
In the meantime, Bank of America is requiring me to pay the {$12000.00} total fraudulent charges on my XXXX account. 
Please advise and let me know what steps I need to do in order to alleviate this responsibility of paying the fraudulent charges made on my XXXX card. 
Call or email me at XXXX / XXXXXXXXXXXX Please see attached bank statement history and letters from BofA, as well as the information on the police officer doing the investigation. 
Thank you for all your help. 
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 monetary relief
Consumer complaint received 2023-03-30
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:
I sent Equitax the proof that there investigation was not done properly and they are reporting in accurate data on my report. 
Letter from the Bank advising it was not a charge off. 
Bank statements with proof of payment on the months are they reporting late. 

The account was never charged off or late. 
It was settlement due to Covid 19.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I submitted a complaint on XX/XX/XXXX, to XXXX and XXXX regarding false information reporting on my credit report. XXXX has responded to the case ; Complaint ID : XXXX. I attached the document from XXXX regarding the bankruptcy that has been removed from my report since XX/XX/XXXX. 

XXXX informed me in XX/XX/XXXX, they received verified information from XXXX and this is why they did not remove the bankruptcy reporting from my credit report. 

XXXX has not provided any response to my other complaint ; COMPLAINT ID : XXXX. 

I am officially requesting XXXX to provide XXXX with updated copies of my consumer report since XXXX is falsely accusing XXXX to verify such information that does not exist. 

Per XXXX " Although XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ), a XXXX Company, sells public records in bulk to a variety of customers, including consumer reporting agencies such as Equifax, XXXX, and XXXX, XXXX XXXX XXXX role is limited to providing its customers data it retrieves from courts, including updates to existing records. ''

Company response to consumer: Closed with explanation