BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-22
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX

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 2022-04-18
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
In accordance with the Fair Credit Reporting act 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 bankruptcy discharged filed on XX/XX/2013 # 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

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 2016-10-12
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: AL
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
Back in XXXX, I had a {$300.00} loan with Ace Cash Express where I paid this company back using an debt consolidation company. Yesterday, XXXX XXXX, XXXX I received a notice from a XXXX XXXX XXXX, address XXXX, CA XXXX, stating that they are going to sue me on behalf of Ace Cash Express in the amount of {$840.00} for a payday loan for {$500.00} when I advised him that I never had a loan with Ace for {$500.00} and that the {$300.00} loan was paid back in XXXX and that I am requesting documentation stating that I had a loan for that amount along with the bank account and contract that I had this loan, the man refused stating that he will not give me any documentation that they will be using in court against me that I have the option to pay them or be sued. I advised him that he is violating my rights with the Fair Debt Collection Act, I am entitled to that documentation and that he is violating my rights. He disconnected the line. The phone number is XXXX, I also googled this number and there is several complaints of fraud listed under this phone number where they were scammed out of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 and Trans Union are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports that do not belong to 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 explanation
Consumer complaint received 2017-10-13
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: Investigation took more than 30 days

Complaint:
I have never been in a guitar store. On XXXX XXXX the account was closed. I no not know where they got my name. It is a collection for {$3700.00}. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-05
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
Both myself and my husband are victims of IRS FRAUD, MORTGAGE FRAUD, PRONZY SCAMS FROM HARD MONEY LOANS, MORTGAGE FRAUD and CREDIT FRAUD. We were unaware of any of this taking place which apparently stated in XXXX. Our attorney and tax consultant instructed us to ensure we have secured property deeds, We revealed an embezzlement ring which, appear to include high ranking individuals. Due to security issues I will not release this information. We have attorney 's involved. As we continued to reviewed are credit bureau we later discovered fraud charges on our credit cards and bank accounts.It appears particular individuals directed the heads of particular companies to ensure we loose everything we have worked for. I testified for a XXXX XXXX XXXX client who was severely XXXX both on a local and national level and the state of Georgia Retaliated against my agency. The vandalism to my home, thefts to include death threats still continue. The attorney hired by the agency sold me out to cover others. My XXXX number was taken and THEY HAD THE AUDACITY TO RELATE IT TO FRAUD BECAUSE I would n't agree to the COUNTER SETTLEMENT. I WILL FIGHT UNTIL EVERY PERSON INVOLVED IS CONVICTED!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2015-04-02
Company: SUNTRUST BANKS, INC.
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I was originally a co-borrower with my now deceased husband in XXXX. I modified the loan after he died in XXXX. I lost my job in XXXX I asked Suntrust mortgage company for a modification on the loan, they refused and sent me a response giving my options for a short sale or foreclosure starting on the XXXX of XXXX. I work a XXXX XXXX job and the bulk of my money comes after the XXXX of each month. I pay my mortgage, but I 've accrued late fees. ( {$1600.00} ) I contacted XXXX XXXX, XXXX, the representative told me she could not discuss the loan because it 's still in my deceased husbands name. Suntrust never took my husband name off the loan. 
What can I do to stay in my home?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There are several hard inquiries on my credit report, and I did not authorize them. Also, there is a paid lien that needs to come off, and the XXXX on my report was not me, and is past the statute of limitations, and should come off. I asked a credit fixer about it, and he said because the debt was bought by another company, they restarted the incorrect date. Please review my credit report and fix these problems. Thank you for your help, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX  ; XXXX  and Transunion should not be reporting each inquiry listed as a separate line item on my credit report for XXXX, 2020. These multiple inquiries in XXXX, 2020 are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score. Please remove these inquiries from my report. The XXXX, 2020 inquiries were run WITHOUT my permission. I NEVER gave permission for any of these inquiries to take place for XXXX, 2020. ( Please see pages attached from my credit report. ) These items need to be removed as well. This false reporting of multiple inquiries is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix 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 explanation
Consumer complaint received 2017-02-12
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC.
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
! I 'm a XXXX XXXX XXXX home owner..I got my year end statement of escrow..its overage is XXXX. I asked for full refund! They will only credit my account XXXX\month for one year $ ( XXXX ) keep the {$700.00}??? Can I get my overage refunded? I need me money back.. 
I have written several requests for my refund. I am being denied even tho they admitted to this issue..and choose not to refund my overage. I am very frustrated as they told me my mortgage will be in foreclosure if I refuse to pay since I 'm in overage ... I was just going to apply that overage credit it to my monthly payments until it 's absorbed.. 
They refuse to do either ... I need my refund escrow overage. They are trying to keep it..control it ..and refuse a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-26
Company: Southwest Credit Systems, L.P.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had an account with XXXX that was opened XXXX/XXXX/XXXX. The account was sold or transferred to SW Credit Systems L.P. and they are reporting the date placed for collection as XXXX/XXXX/XXXX which is making it appear as though I just recently opened this account. I have not lived in Pennsylvania where the account was opened since XXXX XXXX. I disputed the date with XXXX and SW Credit Systems L.P. did not correct the date. I need the date to be corrected to the original date the account was placed for collection which was in XXXX, as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: Colony Brands, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
After asking to stop these credit cards because i no longer need them and it was agreed and the interest began to grow after paid up. I have asked them several time to cancel. After getting my credit reports from all beaus i noticed they have been placed in collection. I am asking for them to be removed and delected from all XXXX credit bureaus immediately. I have been desputeing these item over and over again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
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: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: MD
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: CL Holdings LLC
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
Jeffereson Capital Systems alleges I defaulted on my credit cards and that my account was purchased against my will. I had no knowledge of my account being purchased and request documents and proof. 

Jeffereson Capital Systems has forced a court suit to a family member in my name against their will and wishes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have had my wallet stolen along with all of my identity and every since then someone has been applying for credit, I have a security freeze on my account and I currently have incorrect hard inquiries and addresses reported on my credit report ... I did not authorize any of the inquiries from, XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, from TransUnion and also from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

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 2017-02-08
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
After being on the IBR repayment plan for nearly 5 years, the REPAYE repayment plan looked like an even better option for myself and my wife. Both of us have Subsidized and Unsubsidized Consolidation Loans with FedLoan Servicing, and both of us are XXXX pursuing Public Service Loan Forgiveness. We applied for REPAYE XX/XX/XXXX, got approved on XX/XX/XXXX, but since then nothing has changed. Our payments remained the same, except that we just got notice that now we have to pay nearly double our payments. Mine went from XXXX to XXXX, and my wife 's went from XXXX to XXXX. This is a total increase from XXXX to XXXX ( up XXXX or a 65 % increase ). Both of us have emailed twice ( XX/XX/XXXX, and XX/XX/XXXX ), and neither of us got a response the first time, and the second time I got a response simply stating to keep making my payments and it all should work out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-10
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had elected for no overdraft coverage and the bank is still paying for things.

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 2017-01-26
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I am currently XXXX and Navient has always pushed me into forbearance for paying them back. My current payments will be {$140.00} I cant really afford that. I need to be put in an program that will go off of my pay. The school I was attending when I received the loan is not out of business XXXX XXXX XXXX XXXX it was a total rip off!!! Im not stuck with like XXXX dollars of debt and they did not help me with a job and I was paying payments also to the school thinking it was paying down my debt. The financial aid officer at XXXX was a fraud and she did not explain things to me in a clear and cut matter. I would have never went there if I knew I was going to be in all this debt. I cant even buy a house until I get rid of this debt!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

US DEPARTMENT OF EDU XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello The bank that i am complaining about is BMO Harris. Well at the starting of the month of XX/XX/XXXX my younger brother Who lives in XXXX asked me for some money. For which I called the bank and asked them on how can I send him the money to which they told me the online bill method can be applied to send him the money The process is simply one needs to put in the address and name of the individual and the bank shall send that person the check on the prescribed address. Well, I did the same wrote him a check on XX/XX/XXXX. My brother never received the check as he was continuously in touch with me. on XX/XX/XXXX while i was checking my bank account I realised that the check was cashed by someone. I called my brother and enquired whether he has received the check and cashed it to which his reply was negative. I called the bank and told them to which the replied somebody did cash it. I told them it is fraud someone else cashed it. The bank told me to come into the branch on Monday t file a complaint whereas they will place a hold on the account. On Monday ( XX/XX/XXXX ) as I went to the bank where i met XXXX XXXX XXXX who happens to be a Personal Banker at BMO Harris Located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. She asked me to fill up an affidavit and get it signed it by my brother and also asked me to get a police number which I did from the XXXX police department. An affidavit was filled, Signed and Notarized and submitted to XXXX XXXX XXXX which she submitted to the bank. It has been almost three months now there has no development to as per my knowledge I applied for provisional credit which was also declined by the bank. I applied for provisional credit which was also declined. I am lodging a formal complaint against the bank as the Money is FDIC insured yet there has been no sort of reimbursement from the 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 explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My name is XXXX XXXX and I have been a victim of Identity theft. and I have submitted an FTC Report regarding a few accounts that do not belong to 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