BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In reference to XXXX XXXX # XXXX account. 

This is my FIFTH REQUEST asking you to remove the unverified account. I have disputed this account several times online and in writing with no resolution. This account still remains on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? 
You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed account which means that you have NOT verified or you can not verify this account and under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted 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 2020-05-01
Company: Shellpoint Partners, LLC
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: Account information incorrect

Complaint:
As of XX/XX/XXXX Shellpoint purchased my loan from XXXX I had a balance with XXXX of {$130000.00} and paid of {$7000.00} before they took over now I have a balance of XXXX. I also began a modification review with Shellpoint in XXXX of XXXX because I couldnt pay XXXX of mortgage and it went up again to XXXX so I requested a modification I fell behind but always paying. On XXXX I requested a modification and they continued to charge late fees, and other fees while under review. I then got an approval letter in XXXX XXXX, XXXX to immediately begin paying a trail payment of {$960.00} beginning XX/XX/XXXX not giving me a chance to recover what I was behind XXXX and XXXX. They have since reported me to all three credit bureaus at a highe mortgage payment owed XXXX instead of what I actually owed thats unclear {$130000.00} and Late payments for the months in which I was under review for the modification affecting my credit by aproximately 40 points from where I was hurting my credit. Covid 19 took a toll on everyone and Shellpoint didnt take this into consideration and continued to report my balances incorrectly and lateness while under review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: P.S.C., Inc
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I got letter from this collection agency base out of Washington XXXX and the letter date XX/XX/XXXX.I was check my credit report onXX/XX/XXXX I got alert on my email tell me new stuff be add on my credit report. This company list everything that was on this letter on my credit report before my 30 days I can valid information. I send the register letter from the postal office these item is not my and I need the debt valid. I feel the company violated my rights under the FDCPA.

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 2016-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I was trying to get my free credit report, and as I was verifying information, one question said that XX/XX/2015i took out a mortgage loan. And I did not take out a mortgage loan. It also had different loan companies listed, nothing looked familiar to me, the question was how much were my mortgage payments each month, again I do n't have a loan payment to pay. Then another question was on XX/XX/2015 XXXX, XXXX, and other credit card company 's were issued with my information. And that was n't me either, this could explain why I 'm denied a rental or anything because of this .I recently filled out a rental application and was denied. I 'll be homeless soon and wo n't be able to get a place because landlords are gon na think it 's me when it 's not 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 non-monetary relief
Consumer complaint received 2021-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
TransUnion dropped my credit score XXXX points in XXXX day and could not explain why my credit score dropped so much. There had been no changes to my credit, I had not added or missed any payments. This is complete Fraud!!! I was in the process of getting ready to buy a truck, and had to back out of the deal due to the fact it was going to cost me thousands of dollars in finance fee 's due to the drop from an XXXX  credit score to a XXXX  credit score. When I contacted TransUnion, they could not explain, or even see my change in credit score. The only reason I was able to see it is I utilize XXXX XXXX to get notified when my credit score dropped. Furthermore, they would not file a disput for the drop in credit score, and essentially did nothing to help me! These people control peoples lives, and purchasing power. They need the ability to quickly adjust, and explain any impact to credit scores. The lowering of my credit score of XXXX points will delay my ability to start a company, that I needed to purchase the truck for. Plus, I was going to start another company at the end of the year. There is no logical explanation as to why my credit score dropped XXXX points in XXXX day. They need to fix this 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 2022-05-05
Company: SLM CORPORATION
State: NC
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:
In accordance with the fair credit reporting act XXXX  account Has violated my rights 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604 A section 2 : Also states A consumer reporting agency Can not furnish a account Without my written instructions 15 USC 1666B : A creditor may not Treat a payment On a credit card Account Under an open End consumer credit plan as late for and purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: N.A.R., Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I noticed a collection on my credit report I did not recall or remember. I sent them XXXX letters and they just simply sent me a response stating I owe them the debt. Tried calling and the number was disconnected. Tried disputing with the credit bureaus and having little luck there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Convergent Resources, 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:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO 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 explanation
Consumer complaint received 2021-06-03
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2021 - I went through the prequalification process with American Express. The website is : https : //www.americanexpress.com/us/credit-cards/check-for-offers/ I received a response that I prequalified and was encouraged to apply. I have attached the response to this complaint. 

I applied and was denied credit. Response attached to this complaint. 

This is a bait and switch activity to get people to apply for the credit card. This is misleading advertising and my credit score took a hit. If I would have never been offered a prequalification, I would have never ever applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, 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, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXXDate of Inquiry XX/XX/2019 XXXX XXXX-Date of Inquiry XX/XX/2019 XXXX XXXX-Date of Inquiry XX/XX/2019 XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I reserved a trip with XXXX for a trip in XX/XX/2020. They took payments out of my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in the amount of {$780.00}. On XX/XX/XXXX I received a letter from XXXX stating all trips have been canceled and I must contact bank for refunds. Company stated they would not be able to issue any refunds. I contacted bank to dispute the 4 transactions after trying to reach company with no luck. No answers from phone call and no return phone calls. USAA said they cant refund me and I must contact the merchant. However the merchant cant be reached and I was informed to contact my bank. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
TransUnion will not follow through with their policy. I have inquiries that I am not familiar with and they refuse to follow through with my dispute I have followed all of the steps that TransUnion had forced me to do and they still will not assist me in getting my identity back

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 2021-06-03
Company: ACIMA CREDIT, 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: Account information incorrect

Complaint:
Acima is a furniture loan company of which I had a lain that was paid and closed in XX/XX/XXXX. 
The company reports to XXXX. 
The loan misreported my balance and payment activity and is currently reporting a late, closed charged off account as recent as XX/XX/XXXX. 
On a recorded line 3 representative attest to the fact that this was Misinformation and they dont understand why it is reporting that way. Call hurry representative said they were sending me a letter via email that I should receive in 3 to 5 business days from the conversation that will support the fact that the reporting to XXXX  was in accurate. 
I spoke to a representative during XXXX and two other representatives over the past week including today XX/XX/XXXX. The representative I spoke to today again said that she would resend the email. And I have yet to receive anything. 
The in accurate reporting has affected my credit worthiness and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX for XXXX $ dollars been paid in full, refernce number XXXX none of the reporting agencies have removed it from or showed paid on my 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 2022-05-05
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I have tired to fix this with the credit bureau, but have not got any where with Experian, or XXXX, XXXX. I need help Getting through to these guys are like pulling teeth. 
I have also filed a Police Report Stating the fraud. IN ACCORDANCE WITH THE FAIR CREDIR REPORTER ACT CONVERSION THESE ACCOUNTS HAVE VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 8 STATES I HAVE RIGHT TO PRIVACY15 USC 1681 SECTION 604 A SECTION 2. ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCUNTS WITHOUT MY WRITTEN CONSENT. 
I HAVE BEEN DOING WITH PROBLEM SINCE I WAS A XXXX, IN XXXX MY REAL FATHER WAS USING MY SSN TO GET BUY DIFFERENT THING IN MY NAME BECAUSE I AM A XXXX. PLEASE HELP ME... THE CREDIT BUREAUS ARE NO HELP I EVEN TRIED TO PAY A CREDIT REPAIR COMPANY TO HELP BUT GOT NO WHERE!!!! 
PLEASE HELP ME GET THE ITEMS REMOVE FROM MY CREDIT REPORTS EXPERIAN : XXXX XXXX XXXX Account number XXXX Original creditor Account name XXXX XXXX XXXX Account number XXXX Original creditor Account nameXXXX XXXX  Account XXXX INQUIRES***** XXXX  XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX : Account nameXXXX XXXX XXXX Account numberXXXX  Account nameXXXX XXXX XXXX  Account XXXX Account nameXXXX XXXX XXXX Account XXXX Account nameXXXX XXXX XXXX Account numberXXXX Account nameXXXX XXXX Account numberXXXX Inquiries XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Auto Financing XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Sporting Goods Stores XXXX : Account nameXXXX XXXX Account numberXXXX Account nameXXXX XXXX Account numberXXXX Account nameXXXX XXXX XXXX Account numberXXXX Account nameXXXX  Account numberXXXX Account nameXXXX XXXX  Account numberXXXX  Account nameXXXX XXXX  Account numberXXXX Inquiries XXXX XXXX XXXX on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Business Type : Finance other than personal XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX This inquiry is scheduled to continue on record until 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 2015-10-21
Company: DISCOVER BANK
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
This is the second time I have been denied my cosigner release through Discover student loans. I have a good credit score of XXXX and I meet all of the requirements asked of them below and on the cosigner release application:1. Qualify for cosigner releaseTo have your cosigner released from your private student loan : Your loan must be a prior XXXX Loan that was purchased by Discover. 
You must be at least 18 years of age. 
You must be a US citizen or permanent resident. 
You must have made the required number of consecutive monthly payments on time. 
Use this chart to determine the number of required payments. 
Your gross monthly income must be at least {$1500.00}. 
You must have a satisfactory credit history and pass applicable credit criteriaI do n't believe that my application is receiving the attention that it deserves and Discover student loans is doing whatever they can to avoid honoring the cosigner release terms. 
I will attach my verification of income and the cosigner release document for your review. 

Thank you for your time, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: FISERV INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2021 my Economic Impact Payment Prepaid Debit Card was sent out to my address. I never received my card nor had possession of it. On XX/XX/2021 I contacted XXXX  regarding my EIP Debit Card. I was notified by the representative that my card had been activated and used from XX/XX/2021- XX/XX/2021. I immediately filed a dispute with them regarding the unauthorized transactions for the amount of {$5600.00} and was told by letter that my claim was denied and closed.

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 2019-02-16
Company: Nelnet, Inc.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I applied for student loan consolidation through a new provider. The new provider paid all of my previous student loan debts. After the new provider paid Nelnet, Nelnet then added another XXXX dollars to my account ( to which they are also applying interest. ) I called three times asking for an explanation and was given three different answers. ( I always owed this money but it was never reflected on my account, This XXXX dollars was forgotten and never added to my account, if I had done my own calculations for my pay schedule I would have seen that I always owed this much. ) Each time I asked for a detailed account of why I owed this money. It was not provided after the first call, the second call but then after the third call, a pay history was sent explaining why I owed them money. They are now claiming i owe them XXXX and that I should be paying them every XXXX dollars every month - strange payment terms I never agreed to. I would also like to add on, their student loan forgiveness program is fraudulent in nature period as clearly they never had any intention of forgiving any loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian does not acknowledge my disputes and it is impossible to get on the phone with someone to get this resolved. Their disputes team does not do anything about this and the online dispute never works. They continue to report " XXXX XXXX account # XXXX '' as potentially negative, when this account is now XXXX XXXX XXXX and should no longer be on my report. Additionally, this was a PAID IN FULL charge-off. 

They are doing the same thing for " XXXX XXXX  account # XXXX '', this was a PAID charge-off that is also XXXX XXXX XXXX and should no longer be on my credit report. Both of these are negatively affecting my scores still and need 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 non-monetary relief
Consumer complaint received 2021-10-01
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX has funeral trusts with Wells Fargo XXXX We served a family with a funeral trust, but Wells Fargo will not release the funds from the funeral trust. The decent died over a month ago. Ive provided the death certificate, proof of funeral home ownership and I am already a business customer with Wells Fargo.

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