BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-01
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: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 47 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2017-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
an address I never lived at was removed from my credit report. It was added back without notification. The address is  XXXX   XXXX   XXXX   XXXX   XXXX  Md  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 2017-10-23
Company: Nelnet, Inc.
State: TN
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 left XXXX XXXX in XXXX of 2017 and enlisted in the XXXX and reported on XXXX XXXX, 2017, my PEBD. 

I logged in to Nelnet today and saw a letter telling me that they received my application for a military deferment. 

I never requested that. This was the first time I had ever logged on. 

I called the Nelnet Military line and was told this letter was automatically generated based on the information they get from the DoD database. 

This letter told me exactly how to get in a military deferment and made no mention of income driven repayment plans, which I learned about from XXXX XXXX XXXX, my financial counselor. 

This letter encouraged me to put my loans in a military deferment and even said I requested it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XXXX/XXXX/2017 I submited an order online with XXXX XXXX XXXX. I received a " Happy Birthday '' {$15.00} NO EXCLUSIONS coupon. After submitting my order for {$100.00}, I checked the confirmation email and the coupon was not reflecting. 
Called XXXX XXXX XXXX and spoke to an agent who said that there are exclusions and to read the back. I told XXXX this is misleading because there is no indication on the front of the coupon where it says NO EXCLUSIONS in capital letters. I asked him to cancel my order, he said he could n't and that when I receive it I can return it to any store. This was not acceptable to me so I asked to speak to a Supervisor. He placed me on hold for about 2 minutes and came back to say that a Supervisor was not available, they were all busy and he would put in a request so one could call me back in 48 hours. Not acceptable and not good customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-23
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
this account was supposed to be paid by insurance company. I saw this debt on my credit report and discovered hippa was violated by disclosing the nature of services provided. FCRA-605 ( a ) ( A )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
I have disputed negative items over 45 days ago and the items have yet to be verified. These account are inaccurate and reporting false information

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 2022-02-02
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: Information belongs to someone else

Complaint:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: EQUIFAX, 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 Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Experian Information Solutions Inc.
State: NY
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/2019, I the dispute process with the XXXX  credit bureau, XXXX  and Experian regarding a unverified bankruptcy that is currently on my credit report. I sent a certified letter on XX/XX/2019 requesting that they remove the unverified information on my credit file. All three bureaus responded back that the information had been previously verified. The next set of letters that I sent, dated XX/XX/2019 requesting the method of verification ; complete list of all documents and correspondence with the furnisher of the information, with the list of contact and names of the employees that they spoke to as part of this investigation. I have not received a response from XXXX  nor Experian but I had received a letter from XXXX, stating that they an investigation has already been done that the information had already been verified. They all have failed to fulfill their obligation under the FCRA sec 611 ( 6 ) ( b ) ( iii ) and 7. I contacted the Bankruptcy court that was listed on my credit file, to inquired about the credit bureaus findings and the courts response was that they do not share information with credit bureaus nor any third party vendors. They have not completed a reasonable investigation. How then can these bureaus conclude that the information that they are reporting is verified. I want this unverified information deleted from my credit file. I have attached to this complaint the correspondence from the bankruptcy court listed on my credit file and proof and receipts of the letters I sent to 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 2017-10-21
Company: Firstsource Business Process Services, 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: Information belongs to someone else

Complaint:
cra violation debt collection sending paperwork that are not mine hippa violation i sent all bureaus the police 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 2019-11-20
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am a XXXX attending classes online through XXXX XXXX XXXX. I have received several loans to pay for my schooling. I am also employed by the XXXX XXXX XXXX, which has a program that I am enrolled in which qualifies me to have deferred payments every year. I have taken full advantage of this program which helps me out a lot. I recently checked my credit report and was surprised to see all of my loans were reporting ninety day late payments. I spoke to the customer service department back in XXXX of this year and they assured me that the late payments would all be removed. it is now XXXX and the late payments are still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: NAVY FEDERAL CREDIT UNION
State: FL
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 paid off a loan with Navy Federal Credit Union ( NFCU ) in XX/XX/2018. NFCU placed a late charge on my account because they claimed I didn't pay the final payment in full, which is utterly ridiculous. Why would pay on time for 35 months and not pay on time the last month due in the amount I had on my schedule to pay? But no one bothered to contact me to let me know the last payment had increased for some odd reason. I have tried to correct this for the past 3.5 years. Their was an error in their system that caused my account to increase verses decrease in the amount of the due amount I reportedly submitted. To no avail they refuse to reverse the error and again recently when I filed through XXXX and XXXX. 

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit plan as late for any 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 2017-10-23
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Two months ago I got behind on my mortgage because of an account the charge on my bank account with out permission and caused a domino effect with checking account payments. I paid my mortgage to ditech and make arrangements to pay and additional amount to catch up. Despite that I received letter several time a week calls and a man knocked on my door and left a Mortgage Due letter on my door. I spoke to a representative who took my complaint about the harassing way I was being treated and she apologized. Because of caring for an elderly parent out of town, I did not make it home in time to pay my XXXX mortgage. I 've attempted to call Ditech multiple time to to make the payment because they will not allow you to pay online unless you pay the full amount. I 've had no call back by XXXX XXXX who received all mu calls on voice mail. Online my bill reflect XXXX unapplied amount in addition to XXXX late fee and XXXX mortgage that I have been trying to pay. What is XXXX unapplied I 'm not going to pay so unapplied amount I am not owing. No one answers XXXX it goes to a voice mail for XXXX XXXX XXXX and he never returns the call. I have been humiliated not being one full payment behind. My payments are XXXX I agree XXXX is due per the letter they send. But if I ca n't pay online unless I speak with someone. The automated line will not accept less then the due. That amount is not right. Charges that are applied as unapplied can not be legal. Please help XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC. XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: EQUIFAX, INC.
State: AK
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:
Equifax states on their website that : " Closed accounts stay on your credit report for up to XXXX years since the date of last activity. Negative information such as late payments or collections, generally stay on your Equifax credit report for up to XXXX years from the date of first delinquency. '' However, they list a closed account where my last activity has been confirmed on the Equifax report as well as the credit company that the last activity was in XX/XX/2010, which is more than XXXX years ago. I submitted a dispute to them, and they verified with the credit company again. The same fact was reported back to me that my last activity was in XX/XX/2010. Yet they refuse to remove this closed account. There was never a late payment or collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: John C. Heath, Attorney at Law, PLLC
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I paid Lexington upfront fee and they took two more monthly payments. They said they were disputing negative items on my credit bureau 's All three. I never got a copy of the letters nor did any of the credit bureaus send any correspondence from the letters Lexington supposedly sent. 

I called to get refund many times and never got a response or a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
The basis for my dispute is " Capital One Auto Finance '' Capital One Auto Finance was required to notify me prior to, or no later than 30 days after furnishing the negative information to credit bureau report XXXX XXXX XXXX, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation you complied with this requirement, which is a violation of the FCRA & FDCPA. 

Also, Capital One Auto Finance failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of LA allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the XXXX, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve Capital One Auto Finance is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under XXXX. XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) citing XXXX v. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: EQUIFAX, INC.
State: CT
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:
I do not owe XXXX XXXX or XXXX XXXXThe apartment complex incorrectly reported a balance when they sent me money they owed me along with a letter stating my balance for rent is {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 had 7 student loans that were initially serviced by XXXX. These 7 accounts went into default and were transferred to collections. These accounts were supposed to be updated to show that they were Transferred to Another Office. XXXX has responded that they did indeed report the status as Transferred ... however Transunion still has not corrected the STATUS. They added a comment to the Remarks section but Transunion did not update the STATUS. 

Below are the XXXX account reported incorrectly. I've already filed a complaint with XXXX and they stated they reported the status as transferred and that the error is with Transunion. So Transunion needs to fix. 

Below are the XXXX accounts with the incorrect current STATUS : 1- XXXX 2- XXXX 3- XXXX 4- XXXX 5- XXXX 6- XXXX 7- XXXX My Transunion file number 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 2018-12-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/18 I applied for a Military Discount for XXXX XXXX families at a XXXX dealer in XXXX, DE. I presented an official copy of my father 's Certificate of Death, a copy of his entire military record, and signed an application for the XXXX Military Reward Program. 
The dealer 's financial representative told me that he would not submit the application because XXXX XXXX XXXX  would not approve it. 
I talked with 4 different XXXX dealerships, and all 4 told me that I could not get a Military Discount as a XXXX XXXX family member. 
I talked with several folks at XXXX XXXX XXXX about this problem, and most of them did not know what a XXXX XXXX family is. 
I wrote to the Chief Executive Officer at XXXX and was given what can only be kindly described as the run around. His office told me to call the dealership, then to call XXXX XXXX XXXX, then to call the XXXX XXXX XXXX XXXX XXXX coordinator.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX ; Experian and XXXX are incorrectly reporting recent late payments on the XXXX/XXXX account number XXXX. ( Please see page attached from my credit report. ) I never received the paper statement. I have excellent payment history on this account and when I realized this statement never arrived, I immediately contacted a representative with XXXX XXXX and made the payment. The representative I spoke with assured me that I would not be zapped with a late payment. Upon review of my most recent credit report, I see the late payment was applied. This incorrect reporting of a late payment is harming my credit score and needs to be removed. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2021-07-16
Company: Experian Information Solutions Inc.
State: LA
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:
Un fair credit reporting, cyber crime, identity theft, loss of principal, loss of work, loss of credibility, loss of accounts, extremely hard to feed my family.

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