BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-12
Company: POPULAR BANK
State: DE
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been trying to close my account and I was assessed 4 monthly service fees of XXXX. I was told to bring my balance to above XXXX and the fees would be reversed. I have called twice and they have not been waived and I have been assessed another fee. I shouldnt be required to put money in an account to have fees reversed.

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 2017-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Please refer to complaint # XXXX. Since there is no way to reopen a complaint I am forced to open a new one. In the complaint previously filed, XXXX indicates that they NEVER received a XX/XX/2016 letter from me regarding the issues I was having with their credit reporting. It took me a bit longer than I would have liked, but I knew I had a copy of my letter along with the signed Returned Receipt and my receipt from the Post office. As I have indicated in the prior complaint, XXXX has been the most disorganized company to work with and even when I was paying ahead of schedule they were showing Late payments and reporting it to the Credit bureau. In their response to me which they attached a copy to the above complaint they indicate their first notice of this complaint was in XX/XX/XXXX sometime. It was in XX/XX/XXXX and I am attaching the proof. This is not fare to comsumers and should not be allowed. Once again you can see that they ca n't keep their own records straight, yet they are allowed to ruin their customers credit. Please address this. They have once again lied.

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 2021-08-04
Company: REGIONS FINANCIAL CORPORATION
State: LA
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:
Investigation took more than 30 days, and no results.

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 2017-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 submitted several times to transunion and   XXXX   over incorrect dates used on credit report collection accounts  XXXX  accounts reported and  XXXX  wrong dates these are from healthcare related issues with daughter in  XXXX . Extremely upset as only accounts in collection and due to healthcare and I had credit insurance to make payments in absence of income and inability to keep income. They have brought my score down by reporting them from  XXXX ,  XXXX  and they are all o ver 4 years old.

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 2021-11-12
Company: Lincoln Educational Services Corporation
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I, XXXX XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with Those reporting agencies./// These company ( LINCOLN TECHNICAL INSTITUTE, XXXX XXXX ) willfully violating the FCRA. Without my direct written consent these reporting agencies have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of these account on my behalf./// Those reporting agencies based on false and misleading representation with undisclosed material facts, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// Those reporting agencies are harming my reputation, by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) Those reporting agencies need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by Those reporting agencies./// Pursuant to 15 USC 1681b ( a ) ( 2 ) Those reporting agencies may NOT furnish negative information to my consumer credit report without with my written instruction. No consent is identity theft//// THEY NEED TO REMOVE AND DELETE THESE ACCOUNTS IMMEDIATELY from my consumer credit report. Failure to delete will result in immediate action in Federal District court, and I will be seeking damages under 15 USC 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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:
I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX XXXXBalance : {$14000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX XXXX XXXX, and and incorrect name reporting XXXX XXXX, and multiple addresses. 
This has caused me tremendous anxiety, stress, and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
We had unauthorized charges including late fees on a credit card. We disputed it XX/XX/XXXX, the creditor closed the card, sent a new one, reversed all of the charges on XX/XX/XXXX and sent a letter stating it was approved. The statement cycle closed on XX/XX/21 which shows the fraud charges reversed as well as the late charges. We also disputed it with TransUnion since this shows our ONLY late payment on our reports. 

We are in escrow to close the end of this month on a property. This has caused a 93 point drop in my husband 's credit score and a 33 point drop in mine. This is causing us to now have been put into a higher interest rate. TransUnion is unable to do anything to correct it. They are not showing the updated information that the creditor sent to them on XX/XX/2021. 

I am requesting a change to credit fraud reporting on all bureaus, that while they investigate, they remove those derogatory items until the investigation is complete. Not leave them on until afterward. These reports are also very unreliable. Each source shows them as reporting a different score. ie. 3-scores under TU, or XXXX or XXXX. The numbers do not match.

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 2017-06-11
Company: WELLS FARGO & COMPANY
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
My Daughter XXXX XXXX ( XXXX ) Signed a Student loan in her 3rd year in college thru Wells Fargo ( Her Bank ). I Co Signed the loan for her to continue her College, She dropped out 6 Months before she would have graduated. She has made payments on this loan since XX/XX/XXXX. This XX/XX/XXXX I began receiving daily phone callers regarding this loan. The callers said they are not allowed to talk to or mail anything to my daughter and I was needed to make up payments. <P/>I have talked with my daughter and she talked to the bank and could not find out anything so we have ignored this per guidance from her bank.

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 2020-02-28
Company: Experian Information Solutions Inc.
State: AR
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 found out my identity had been compromised because my wallet was stolen at a store while I was shopping. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letter after letters of several unpaid for accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There is years after years of open account and closed accounts. There is way too many fraudulent accounts open that I am not near familiar with. These accounts are not mine. Please remove. 

XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX   XXXX {$18000.00} XXXX   XXXX {$4100.00} XXXX/XXXX XXXX {$10000.00} XXXX XXXX XXXX {$1700.00} XXXX/XXXX   XXXX {$2200.00} XXXX/XXXX XXXX {$1100.00} XXXX XXXX/XXXX   XXXX {$810.00} XXXX/XXXX XXXX {$500.00} XXXX   XXXX {$6200.00} XXXX   XXXX {$3200.00} DPT ED/XXXX XXXX {$5700.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$4500.00} XXXX XXXX   XXXX XXXX {$4200.00} XXXX   XXXX {$2000.00} DPT ED/XXXX XXXX {$2200.00} XXXX XXXX {$2200.00} XXXX/XXXX XXXX {$0.00} XXXX/XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX {$2200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
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: Old information reappears or never goes away

Complaint:
Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. As of XXXX I have not received any notification of debt. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX  Balance {$120.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 3 : I dispute XXXX XXXX XXXX  Balance {$120.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 

The inquiries below are not authorized by me. 

XXXX Inquiry from XX/XX/2020 Misc. 
XXXX Inquiry from XX/XX/2020 XXXX XXXX  Acc Inquiry from XX/XX/2020 Bank XXXX XXXX Inquiry from XX/XX/2020 XXXX  XXXX XXXX  Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX  Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 Bank  XXXX Inquiry from XX/XX/2020 Finance XXXX Inquiry from XX/XX/2020 Finance  XXXX  Acc Inquiry from XX/XX/2020 Bank XXXX XXXX XXXX Inquiry from XX/XX/2020 Automotive XXXX  Inquiry from XX/XX/2020 Finance XXXX  Inquiry from XX/XX/2020 Finance XXXX  Inquiry from XX/XX/2020 Bank XXXX XXXX Inquiry from XX/XX/2020 Bank Thank you for your prompt attention in this matter. 

Respectfully, 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 2017-06-11
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I 've already filed a complaint with cfpb against debt recovery ...   Debt recovery started that they could delete the accounts they had on file from all  XXXX  credit bureaus.   Debt recovery fail to do so..   Debt recovery has deleted the accounts and added it back to the credit bureaus..   Debt recovery never deleted the account from  XXXX  as  XXXX  stated they never received anything from debt recovery.   On   XXXX   XXXX   XXXX     Debt recovery also added acct #  XXXX  As I stated in the first complaint Debt recovery has NO VALIDATION I never gave them Permission to my personal information.   I mailed Debt recovery solution a letter asking them to validate the accounts.   Debt recovery have deleted the account from  XXXX , but not from  XXXX .  <P/> As cfpb can see that  Debt recovery/ Debt recovery solutions re sponse in the first complaint that they will closed and delete the accounts from all  XXXX  credit bureaus the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: HW Holding, Inc
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021, while residing at the XXXX apartments, were constructively evicted as Retaliation for filing written complaints with their Management Company, " XXXX XXXX ''. We were evicted from Our HUD subsidized Apartment without any written notice or good cause, as pursuant to HUD Policy. In XXXX XXXX, a collection company, " Hunter & Warfield '' XXXX XXXX XXXX  XXXX, XXXX FL XXXX has called, and mailed demands for {$360.00}. 
When in fact NO monies were owed, in addition XXXX XXXX Apartment and its Management Company has tried to extort {$680.00}. none of this so called money owed has been shared with HUD by the perpetrators. as a result, We were forced out of Our Housing during the Covid-19 Pandemic. it should be Noted We are XXXX Seniors, and denied the return of Our {$400.00}. deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: STATE FARM BANK, FSB
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with STATE FARM BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX XXXX and STATE FARM BANK with no successful resolution. XXXX XXXX XXXX XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: SYNCHRONY FINANCIAL
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:
I had an open account with Carcredit / Synchrony Bank which was closed on XX/XX/XXXX due to inactivity and at that time Synchrony Bank reported the closure to XXXX credit bureau. I am in total agreement with the closure and the credit reporting, my complaint is that Synchrony Bank continues to report the same information over and over. Synchrony Bank has sent out a total of five reports  on the same issue, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I have contacted Synchrony customer service twice and all they can tell me is they will look into the matter and respond by ail in thirty days.I called on XX/XX/XXXX & XX/XX/XXXX and yet they still continue to send the same report to the credit bureau. 
This needs to stop immediately, I have worked long and hard to get my credit score up to XXXX and I don't need Synchrony Bank to destroy all my hard work.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-28
Company: The Bureaus, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written to the Bureau ( on three occasions ), a collection company, asking them to properly validate the debt as required by the Fair Debt Collection Practices Act. All they can send is a single page billing statement. That is not proof, they must produce a document with my signature showing that I am financially responsible for this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX XXXX # XXXX is reporting an account to my credit that should no longer be on there. This is not my account and I was removed as an authorized user from this account and it should not still be reporting to my credit.

Company response to consumer: Closed with explanation