BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Transunion has erroneously deleted my entire credit history and although Transunion has on several occasions said the matter would be resolved within 2-3 business days or 3-5 business days ( depending on which representative I spoke to ), the matter still is not resolved over one month later. I was pressured into purchasing their credit monitoring program which I continue to pay for although my credit score and credit history remains inaccurate over 30 days later. I was told to fax a copy of my license, social security card and utility bill and that the credit information would be immediately re-entered by the " special handling department/maintenance department '' no later than 2-3 business days. This was over two weeks ago! The last person I spoke with was the supervisor is said that although Transunion promises a quick resolution, the process of re-entering is a timely XXXX and that I just need to give them time. Unfortunately, I do not feel this response is adequate. It is disheartening to know that a company such as Transunion that is trusted with being the record keeper of such critical information is unable to accurately maintain said records. Their behavior is unconscionable, consumers are held at their mercy, our livelihood often depends on credit and unfortunately we do not have the ability to wait several months for Transunion to rectify their erroneous credit reporting. Any assistance in having my credit history accurately restored would be greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  XXXX Account number XXXX XXXXXXXX XXXX XXXX  XXXX Account number XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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 2019-12-27
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: Personal information incorrect

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-02-19
Company: Dynamic Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent in a dispute letter on XX/XX/XXXX to verify my medical debt and received no word back on if the debt was actually validated sent another letter today again to get some more information, but it has been well over 30 days and I have had absolutely no word.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, has violated my rights. 

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

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

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 2022-07-25
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX  XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX have 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX have 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 2015-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Had XXXX overdrawn fees XXXX/XXXX/2015 for bofa.. XXXX of which were made a XXXX earlier than my deposit of {$410.00}, which would have covered everything therfore avoiding the XXXX hour time limit i have to bring everything current. Then they said i have extended overdrawn fee??? My account was not overdrawn for 5 consecutive days. I have receipts showing I brought it current. My account was current the day before. They say they can waive XXXX overdraft fee per year but they lie ... Liars have n't waived a fee in years.. And the the XXXX that I went overdrawn on I deposited the money XXXX hours after, but of course they tacked on the fees first, then they made my deposit after.. Bank of America account # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-20
Company: Diversified Consultants, Inc.
State: GA
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 have requested Diversified Consultants, Inc. to provide me with proper verification of the allege debt they are claiming I owe them. I have not received proper verification and requested that if Diversified Consultants, Inc. could not provide me with verification to remove this negative trade-line from my credit history. Diversified Consultants, Inc. has failed to honor either of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: Komyatte & Casbon, P.C.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This law firm and collection agency does not comply with FCRA regulations. They have failed to validate the debt as allowed to the debtor under 15 USC 692 ( g ) Section 809 ( b ) but has attempted to collect the following balance of {$1000.00} and {$2500.00} ( two separate accounts ). There is no question that they have willfully violated my rights repeatedly tried to collect debts beyond the state statutory limits. This company has refused to validate the debt and HIPAA authorization as I have requested the following : - Please provide a breakdown of fees including any and all collection costs and medical charges - Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me They have been reported to the state and federal agencies that provide regulatory and enforcement oversight. Confirmation of the previous credit reporting date - beyond 7 years - has been provided to credit reporting agencies.

Finally, they have refused to acknowledge the fact it is an illegal attempt to collect a debt that is beyond the statue of limitations.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I have a balance of about XXXX dollars on my student loan left to pay. I 'm a XXXX parent and my hours have been cut at work. I receive 3-5 phone calls from Navient Solutions in regards to my loan payment. I 've had a deferred payment before and every time they send me an email to defer my loan payment I respond and receive emails saying they can not locate my account. I 'm tired of repeated phone calls, some of which are immediately back to back. Last I knew according to federal collection laws, each number listed to an account was able to receive 2 phone calls per day and only one message left per day. Also what is the purpose of being able to reply to an email for a deferred payment if it can not be honored. I have a complete call log of how many times a day they contact me as well as many emails showing I 've responded they way they ask for a deferred payment just to be denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In the dispute of the day XXXX/XXXX/XXXX hereby request the validation of this account, but after 18 days I have not received any document at the address reflected here, any information you send me, not my signature show make me responsible, accepting the terms and conditions thereof, is invalid, if they need a request for physical validation, sent them without objection, you can not blame an individual for a debt would supposedly test information format printing, without the existence of my signature, the law is accurate, unverifiable or inaccurate accounts they have to be removed, it is my right under the FDCPA 15 USC XX/XX/XXXXg sec 809 ( b ) FCRA Fair credit reporting Act 1 Show me that license numbers are registered and agent 2 Explain and show you how calculated me what you say i owe 3 Any contract or document signed by me to make me responsible for this debt. after XXXX i can receive XXXX dollars for defamation of character in lawsuit, i request a letter of consent where it is manifest that will not be sold to another collection agency and be closed systems in their correspondence should with return receipt be sent to verify that i have received correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Experian Information Solutions 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'm just wondering what's happening with accounts I disputed on XX/XX/2020. I still have not receive any paperwork back. I know it takes 30 days and the credit bureaus are on the other side of the country from where i'm at, but i figured 40 days should be enough. I also read that if i dispute again while my first dispute is active it will just extend the investigation time. I figured i might as well file this complaint now instead of sending another dispute which will delay my investigations more.

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 2022-07-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2022 and on XX/XX/2022 I send XXXX letters to Experian informing Experian of them reporting incorrect addresses and employment history on my credit report, along with proof showing my correct address. On XX/XX/2022, I even send then a final notice to delete the incorrect addresses and employment history, and when I checked my account with Experian on XX/XX/2022, I notice that they did not removed the incorrect addresses and employment history from my credit report. Experian is reporting address XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX, and XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX, which is incorrect. You see I never lived there. Experian is also reporting incorrect employer such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, which I never worked there either. I an giving you permission to contact Experian on my behalf to have Experian remove the incorrect address and employer information off my credit report. You can email me or send me updated information through the mail to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX NY XXXX showing that Experian has complied with yours and my request. Thank You!

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 2016-06-11
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Two years ago XXXX, we applied for the XXXX XXXX XXXX savings program through M & T and were subsequently approved by the representative we worked with ( who is no longer an M & T employee ). Since then, we have successfully completed the program, making the monthly payments on time, and have completed the required counseling sessions. At this point, we have met with our loan officer several times, had all of our documentation in order, and successfully procured a mortgage loan. We were informed yesterday of a condition of the XXXX XXXX XXXX program that would have disqualified us from being accepted into the program ( I was a XXXX within 6 months of XXXX ), yet M & T approved us anyway. The person we met with checked all of the criteria for the program off for us without confirming with us that is that met the criteria, and only had us look at and sign page XXXX of a document. As a result, we did not receive the XXXX that would give us an additional {$7500.00} toward closing costs. We were told by M & T that they would do nothing to right this, despite the mistake being theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: ACIMA CREDIT, LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls multiple times a day to restart autodraft after initially told payment amount was per month and drafts for same amount came per week. Did not adhere to request to remove ach debit of account and was threatening in response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I XXXX in XXXX and also started working for the XXXX and I was supposed to be in the forgiveness program. called again back in XXXX and was told after all the money ive given them even though I was supposed to be in the forgiveness program they never had me in it and after 10 years my loans would be paid off by me paying them! 
I work for the XXXX and my loans should have been forgiven after the appropriate years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have sent numerous letters to XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX, WI XXXX. Requesting VALIDATION LETTERS, showing my wet ink signature, that I have agreed to pay XXXX XXXX XXXX, XXXX for this alleged debt they say I owe them. They have failed to provide me with anything other than a copy of the agreement I had with the original creditor. They are reporting this alleged debt to TransUnion, showing it in " Collections " and in the " Remarks '' section, it says, [ TransUnion ], Account information disputed by consumer, meets FCRA requirements. 
My complaint is that XXXX XXXX XXXX, XXXX has failed to provide any validation that I have requested in the numerous letters that I have sent them.So, how can it meet FCRA requirements?? 
I have asked for the following:1 ) The original Credit Agreement that I have with XXXX XXXX XXXX , XXXX XXXX with my wet ink signature on it. THEY HAVE FAILED TO PROVIDE2 ) Proof that the debt has not been " wrote off '' to an insurance company and claimed as a " business loss '' or redeemed through an insurance claim by the original creditor. THEY HAVE FAILED TO PROVIDE3 ) Proof that this debt was not sold to their agency for a lesser amount, and if so what that amount was for. THEY HAVE FAILED TO PROVIDE. 
4 ) Their agencies license to lawfully and legally collect debt in Minnesota. THEY HAVE FAILED TO PROVIDE. 
5 ) Validation of the alleged debt, ( the actual accounting showing a loss to their agency ). 
THEY HAVE FAILED TO PROVIDE Since they have failed to provide any of the above information, yet XXXX, XXXX is still reporting it to TransUnion, along with the remark by TransUnion that it is being disputed but still meets FCRA requirements, I feel that this is in violation of the FCRA, the FDCPA and also Violation of U.S.C. title 18 Section 872, attempts to extort and Violation of U.S.C. title 18 Section 1341, 1342, Fraud and Swindles clause. I request that this entire negative report be immediately and permanently deleted from my credit report. 
They have Attorney XXXX XXXX from XXXX XXXX XXXX, XXXX representing XXXX XXXX XXXX , XXXX and I have also written to him with no further response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
After checking my credit report I found XXXX accounts that I did not open. I contacted the institutions involved and informed them of the problem. I contacted the local police and opened a complaint. I received a case number. My adult son opened these accounts while he was living in my residence. He has since fled to California. 
He restricted phone and mail access to cover what he was up to. 
He also opened a XXXX XXXX account, but when I contacted them they refused to cooperate and threatened me with collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/2020, I received an email from the place I work/volunteer regarding a voice message Navient left on my extension concerning my sons delinquent account. The number Navient called is the office number for the XXXX, so anyone could have picked up the call. This is extremely concerning since this is not common knowledge. Navient had to do an extensive search to get this info. Whats disturbing is anyone from the XXXX XXXX could have either answered the phone or retrieved the message. Navient have all my personal contact information and could have contacted me through those means. In fact they called my cell phone leaving a voice message, so there was no point in contacting my place of work, other than using it as a threatened method. I tried calling Navient a week ago to talk about payment options but got no where. They keep saying they are willing to work something out but its just a false claim to get more information on you. I need them to stop contacting my place of work.

Company response to consumer: Closed with explanation