BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-08-04
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: Was not notified of investigation status or results

Complaint:
I am filing a complaint against " XXXX '' and " Experian ''. I submitted an identify theft complaint against a company called XXXX XXXX and was assisgned a case manager name XXXX in the Identity theft resolution department. I was provided an email to reach him at ( XXXX ) and his direct number XXXX ext : XXXX. I have called him and left over 6 voicemails and I have emailed him over 7 times with my police report as well as other supporting documentation and I have never heard back from him. Today I got notification that my case was closed without any explanation. I need a supervisor to look into this. I have also called several times requesting a supervisor. My case number that Experian gave me is 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 2023-01-30
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Below is a letter that was sent on XX/XX/2022. I received a call this month stating that the lender sets the rates. I would like assistance with contacting the lender if possible : My name is XXXX XXXX, I currently work in the capacity of a XXXX XXXXXXXX ; due to the economy, my job has tightened funding and I need to redo my personal budget, as we are trying to keep afloat. 

I have been paying my student loans for over a decade on time and my balances are increasing rather than decreasing. Due various issues within my job and household, I am requesting an interest rate reduction and as I am experiencing financial difficulty. I am currently paying more than 15 % APR for my student loan interest on account number XXXX and 12 % for account number XXXX and it is truly taking a toll on me financially. I am requesting a reduced payment on my debt. I am requesting that I receive a reduction of 8 % as I can afford to quickly repay you. Also, I would like to request an interest abatement of six months. Please contact me, so we can come to a manageable solution as this is imperative that we do something rather sooner than later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
To let the credit bureaus know that the inquiries listed in my file are not authorized, I'm filing a complaint. Credit reporting agencies have to remove or prevent any inquiries that were not permitted in accordance with FCRA section 605b. Kindly refer to the documents that are attached to help prevent incorrect information from being put into my report. 


XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-01-30
Company: Nelnet, Inc.
State: CO
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 filed for a reissue of my student loan refund on XXXX XXXX XXXX XXXX  and was told it would take 4-6 weeks. Once that occurred and no check was reissued I was given a new time frame of 8-10 weeks. It has been now 11 weeks, and was now told there is no time frame and it is unclear when my check will be reissued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: NH
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:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-08-16
Company: Experian Information Solutions Inc.
State: TX
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:
I don't know why these inquiries are on my credit report. Experian refused to remove them and told me to contact the companies that made them. There is no information to contact these companies ( no phone number or address to dispute inquiries ) and Experian doesn't even give the full name of the company. So how am I supposed to contact all of these companies? 

Here is a list of all the inquiries that are incorrect : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX EXPERIAN XXXX XXXX Important dates XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX 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 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 explanation
Consumer complaint received 2023-05-12
Company: CBC Companies, 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: Information is missing that should be on the report

Complaint:
The FCRA requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy when assembling credit reports. Maximum possible accuracy ensure improved data accuracy for users of credit reports e.g. banks, government agencies etc who rely on accurate data to make critical decisions every day about loans, government benefits, and other important matters. 

Lenders need accurate data to perform sound risk assessments, provide terms tailored to the borrowers appropriate risk level - having the most reliable and accurate data helps CRAs maintain good consumer relationships and focus on investing in new products and services to help consumers. 

Per FTC, PERC, CFPB inaccuracies are not good for business. Having an accurate credit ecosystem will prevent duplicative information, and stay in compliance with FCRA and promote the oversight of furnishes, and enhancements to the dispute resolution function. 

To best serve me in this complaint, I need addresses to be accurate in the credit reporting system. Any potentially material errors in my credit file makes me look riskier than reality. Lenders respond to incorrect data by offering higher interest rates, less favorable terms, or denying credit if the error makes me look too risky. 

There is no liability structure for inaccurate data or incorrect information. The credit bureau check with the provider of the information that there is a claim. There is no penalty for those who repeatedly provide inaccurate information. There are no actual investigations- even if a percentage of complaints were investigated, an investigation along with penalties from providing inaccurate information would incentivize data providers to do the right thing. Credit reporting systems should effectively support the economy- it should be safe, efficient and fully supportive of data subjects and consumer rights. The value of CRAs service is in direct proportion to the accuracy of the data it provides. Higher quality data is important moving forward so that credit can better flow to those who need it. 

My vehicle as vandalized and I am currently in the market for the new auto loan. I need all information to be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a contract with this debt collector for any debt. I have asked ( XX/XX/XXXX ) this creditor to provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. This request was never fulfilled. My second request for this verification was XX/XX/XXXX. It was never fulfilled. After disputing this account with the credit bureaus and it was deleted from my XXXX and XXXX report but XXXX failed to perform an investigation and delete the disputed information. According to the FCRA, If a bureau finds that information is inaccurate or incomplete, it must correct the information and notify the other credit reporting agencies that received the information. This account was last reported on my credit report XX/XX/XXXX. 
I submitted this statement to the XXXX  and IC Systems responded as such : The information in this complaint is substantially the same as disputes previously received through a consumer reporting agency. IC has already investigated and replied to the credit reporting agencies ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Nevertheless, IC has referred to the creditor and/or its records for additional information to respond to this complaint. The results will be sent directly to the consumer within 30 days. 

I also submitted a XXXX  complaint to XXXX XXXX XXXX and it responded as such : As none of the client contact information provided links to any XXXX records we are unable to look into this matter further. 
Please note that XXXX does not have any control over the credit bureaus and what they or collection agencies report to, or about individuals. If this is related to a XXXX record we would need the client information as it appears on the account. 
With this information it is apparent that this account can not be proven to be mine and IC System would have found this out if it had actually investigated my prior complaints.

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 2023-10-16
Company: Experian Information Solutions Inc.
State: MI
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:
Unauthorized Fraudulent Inquires PEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES XXXX UNAUTHORIZED FRAUDULENT INQUIRIES 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 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 2023-11-02
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Good afternoon, first of all thank you for your time. 
you see I have fully paid 2 cars, currently paying another two vehicles, I have paid loans over XXXX and Im very responsible with my payments, I had a Exeptional payment history until now. 
on XX/XX/XXXX I returned an item using my Nordstdrom credit card, I was not informed by the nordstrom employee at the time on the retunning that there was a balance to be paid for this transaction, I did not received a reciept ( the store was about to close ) and when I ask. Is that it? refering to the transaction, the employee responded " you are good '' and I left with out a reciept. 
Since I had recently openned that account it was clear to me that that was the last transaction for this credit card. months later on XXXX I opened my experian account and I noticed that Nordstrom had flaged me as late payment, I called them, paid the balance of {$27.00} dollars and informed them that I did not received any type of notification regarding this balance and that I was not aware of this, the same day I open a dispute to remove this past due balance from my credit record since its affecting the opportunity of buying my first house, I truly believed that Nordstrom has some responsability for this late payment, they shoud provide a better traning to their staff members, and have to notity their customers when they are late on their payments. 
I wound never put my credit score on the line for XXXX dlrs, and I would be happy and continue to use their credit card if they can remove that from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-22
Company: SYNCHRONY FINANCIAL
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In early XX/XX/2023 I noticed my account had a note saying " Your account is Restricted '' I called immediately to find out why but the agents on the phone kept saying I have to wait until it was investigated. I made several dozen calls and same answers. They promissed that a note was being made on my account that I was calling to resolve the issue. 

A specific name of a person was given to me but only first name XXXX was assigned to my case. They said they will e-mail him so he can get in touch with me. He never did and its now 8 months. 

I need help resolving this issued. I keep getting the run around and time is going by very quickly with no resolve.

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 2023-03-02
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt was attempted to be collected by XXXX XXXX for 1 XXXX visit. The XXXX was a part of a week long series for being on an XXXX. ALL of the XXXX costs were covered by insurance, except for one ( this was filed under the wrong member ID of an old insurance card ). Attempted to contact XXXX, they were using the wrong insurance card for multiple debts owed. Attempted to call the insurance company to correct the insurance ID used but was met with a different representative everytime. This happened over months. In the end, nothing was fixed. XXXX  still used the wrong Member ID, therefore XXXX XXXX is still collecting a debt because XXXX  or XXXX XXXX had given the wrong member ID information. I have a XXXX document comprised of all the calls ( including time, date, and names of representatives spoken to at XXXX XXXX XXXX XXXX ). NOTHING was ever resolved, essentially, the same mistake was not corrected by XXXX  and I still owe the hospital money because of that

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: GA
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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief