BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Transunion continues to report incorrect information. The appear to let XXXX XXXX ( XXXX XXXX ) and XXXX XXXX list incorrect items on my report. 

XXXX XXXX has failed to follow two mandated court orders which I provided proof to transunion via XXXX XXXX. 

XXXX failed to uphold the decision made in the hearing with MPSC " XXXX '' They did not credit the account accurately and reported that I owed over 1300 for months. They have now placed a XXXX mark on my credit report via XXXX XXXX. MPSC has already investigated XXXX XXXX with decisive findings early XXXX https : //www.michigan.gov/mpsc/XXXX XXXX XXXX DTE failed to uphold the decision made in the hearing with MPSC  " XXXX '' They did not credit the account accurately and reported that I owed over 1300 for months. They have now placed a XXXX mark on my credit report via XXXX XXXX. MPSC has already investigated XXXX XXXX with decisive findings early XX/XX/XXXX. https : //www.michigan.gov/mpsc/XXXX -- XXXX I believe I fall into that category as this company has continuously billed me incorrectly. I moved out of my small 1BD apartment on XXXX XXXX in XX/XX/2018, before this I was living with my fiance and barely used electricity as I was barely home. I also completed a stoppage of service using XXXX 's own online start/stop portal. I also have paperwork from my old apartment detailing my exit. XXXX presumably continued to bill even when I was no longer a tenant there. They claim they have no knowledge of this. But I'm aware I can subpoena for their history and I can have xfinity provide me the data of time that I accessed the XXXX portal to cancel my service. I also have proof that they did not credit my account properly as agreed to during the MPSC hearing as XXXX XXXX stated my account hadn't been credited. XXXX XXXX  is in direct violation of a court order and the Fair Credit Reporting Act. I also wish to seek damages XXXX XXXX XXXX XXXX has erroneous reported late payments and has not provided a ledger or responded to our audit to validate this. I have proof via emails and receipts of their negligent nature in regards to billing.

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 2015-06-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have XXXX complaints. XXXX lowered my credit limit on both accounts from {$5700.00} and {$4500.00} to {$2300.00} and {$1900.00} based upon incorrect credit usage from XXXX. This caused affected my Fico score. It appeared has my credit usage was higher based on XXXX lowering my credit limit. XXXX XXXX XXXX and XXXX is showing higher credit usage by XXXX each. I have disputed with Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I applied for the XXXX credit card today XX/XX/2020 and I was not approved because I guess there are accounts in negative standing appearing on my credit. I was not aware of these accounts because none of them belong to me. I did not open any of these accounts nor did I give anyone permission to open them in my name. I do not have any written/verbal contract with any of these companies and I did not benefit anything from those accounts such as money, goods, services or any other benefit and I never made any payments towards these accounts. I don't know who is responsible for opening these accounts in my name without my permission but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau.

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 2020-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This is a last resort to get the issues with my credit finally resolved. It has been well over 60 days with absolutely no response from the credit bureau which is showing complete disregard for the laws governed under the FCRA. Please help

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 2015-06-30
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
They have violated a cease and desist order given to both collector and supervisor. They have failed to provide proof of obligation both to me and to the credit bureaus where dispute was filed. They contacted me via automatic dialer on XXXX XXXX, 2015 about XXXX AZ time about XXXX days after cease and desist was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is XXXX XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN CHILD SUPPORT ENF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 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 XXXX : 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 2016-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America has me listed with XXXX for account fraud. I spoke to Bank of America and they stated my account was closed due to overdraft but they have it listed as fraud. I am being denied a bank account everywhere I go even after bankruptcy. To top it off my account was paid the {$5.00} that it was overdrawn.

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 2018-03-28
Company: Experian Information Solutions Inc.
State: SC
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 PROBLEM IS WITH EXPERIAN CREDIT REPORTING. I PLACED A FRAUD ALERT ON MY ACCOUNT DUE TO A LONG JOURNEY OF INCORRECT INFORMATION REPORTING ON MY CREDIT FILE SO I PURCHASED EXPERIAN 'S CREDIT MONITORING MEMBERSHIP AND PLACED A FRAUD ALERT ON MY CREDIT FILE AND TODAY I NOTICED AN ACCOUNT BEING LISTED ON MY CREDIT FILE AS OF XX/XX/XXXX OF AN COLLECTION ACCOUNT SHOWING FRAUDULENT/INACCURATELY OPENED ON XX/XX/XXXX. THIS ACCOUNT IS NOT MINE AND DOES 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
Consumer complaint received 2019-03-05
Company: Franklin Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've tried explaining to this company, the information that is reporting on my credit report isn't mine and I sign my name as XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: STERLING JEWELERS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i tried contacting this company zillions of times and left voice messages never recieved a call back there trying to collect on a debt and ruin my credit i never opened with them and i sent them the police report multiple times throguh XXXX and XXXX they keep verifying this account, i never lived in ohio or been there where this account was opene

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: Social Finance, Inc.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I currently have a total of 17 students loans from XXXX and XXXX school. 12 of the loans are currently Dept of Ed. loans, 1 of the loans is with XXXX and 4 of the loans are private. All but the XXXX loan are currently serviced by XXXX. 

I recently have been working to get my credit score up so I could refinance the 4 private loans. My reasons for wanting to refinance are to get a lower interest rate and to remove my mother as a cosigner. I also add that when I was XXXX-XXXX, these private loan companies had no issue lending me this money. 

I have been reaping these private loans since XX/XX/XXXX and been making consistent payments ( never missed a payment to my knowledge ) other than the three years I was in XXXX school and they were deferred. The balance of the private loans is currently approx. $ 35k with a weighted interest rate of apron 8 %. If I am able to refinance at 6 %, my payment will decrease by over {$250.00} a month in just interest. 

I submitted a refinance application with Sofi. I submitted all requested information including my XXXX tax return and my XX/XX/XXXX P & Ls along with bank statements for verification. I am being told that my averaged income for the two years is $ XXXX, which I do not have a problem with that number based on the averages. 

My issue is that they are telling me my income doesn't support a refinance and it is solely related to my income. I was told my payment history is fine and my credit score is fine. They can not lend to me solely based on my income. 

So my main question/complaint is : How can they lend to me at XXXX-XXXX with no income and no credit history, but when I apply for a refinance at XXXX, making the most money I have ever made and the best credit history I have ever had, they don't see me as credit worthy for the loan? Oh, and might I add, the payment that I have been making consistently since XX/XX/XXXX ( minus XXXX school years ), will reduce by over {$250.00} per month with this refinance. So they do not have faith that I will make a {$250.00} less per month payment than I am currently making now. The only sense that makes to me is they are losing interest by reducing the interest rate and they have no benefit to approving this refinance. 

So why not add a cosigner again you ask? well I tried that based on Sofi 's recommendation. To everyone 's surprise, she was denied? The same cosigner who was approved when I was XXXX-XXXX  with substantially the same credit score and income when I was XXXX-XXXX, is now all of a sudden denied when I am XXXX, making the most money of my career.

How can student loan companies loan money at high rates to XXXX-XXXX year olds trying to get an education and then refuse to refinance the same loans when those same students become adults and actually have income and credit?

How is this acceptable?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I received a text from my landlord on XXXX 2017 that a creditor named XXXX has contacted him stating that I owed money to them. Stating how long I have been apparently on default with them and also stated an amount due to them immediately and asked my landlord to contact me and have me call them immediately. 
I was appalled that they have contacted my landlord and informed them of a debt that I apparently owed. This is a violation of my privacy and the FDCPA act. How did they even know who my landlord was and how did they even get his number? This is very disturbing to me. 
This is not only an embarrassment to me, but a pure act of defamation of my name intentionally informing my landlord of debts that felt my landlord needed to be aware of about me. I demand this company to cease and desist all calls to ANYONE other than the person that owes the debt. I will be filing a personal lawsuit against this company and will be demanding that they prove this debt even belongs to me. They must prove it belongs to me by providing me a signature IN WRITING and i sure hope they are not reporting false information to any of the CB 's. Very livid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
My bankruptcy information on LexusNexis is inaccurate. I am only able to dispute items over the phone and have not been able to reach anyone to assist. 

The bankruptcy does not show that it has been dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: Caliber Home Loans, Inc.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Caliber Home Loans is my mortgage holder. The issue is, they have taken two monthly payments {$960.00} from my bank account in the same month of XXXX. On their website, once you schedule a payment the system automatically schedules another payment, which I cancelled right away, but they still took it out of my account, which placed a burden on me and my family. I live from pay check to pay check and I was expecting to have money in my bank account to cover car payments, insurance, etc. This is the second time it has happened. It happened back in XXXX and I let it go to cover my next monthly payment, at the time they said they can't reverse it. This time, the XXXX incident, I needed the money to be in my account as I explained, so I called the company and asked them to reverse the payment, I spoke to a rep and she asked my to stay on hold to get a supervisor and escalate the issue, she agreed that the payment should have not been taken out. The phone hangs up while I am on hold, I call back and speak to another rep and they tel me the same thing and to hold, after holding for more than ten minutes the phone hangs up again. I call again, the third time, I explain the situation again, they advised that the payment can not be reversed and that they have issued a check, no one has reach out to me to give me an option. Although, a check will not solve my problem since I need the money in my bank account immediately, but the check has yet to arrive. It has been more than a week. The last rep I talked to advised that she will have hang up on me because of my critical criticism of the company, I told the rep that this was an unacceptable behavior but she was not welling to listen to me just because I expressed my frustration " in a professional manner " with the customer service and their process

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: EQUIFAX, INC.
State: NY
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:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had a XXXX XXXX card through FIA Card Services. I misplaced the card and asked them to expedite one to me as I was leaving for NY. I received the card, activated it as instructed, and upon arriving in NY I used the card to pay for lunch. When I tried to use the card to pay for dinner later in the day, the card was declined. I called FIA and they were not able to give me a reason why it was declined ( they said for security reasons, which is XXXX ). They also locked my online account. Even though I answeredall of their security questions, they refused to unlock my card and account unless I answered questions which I could only do by looking at my account. One question was in regards to recurring monthly transactions on the card. I explained that I needed access to view my account in order to provide that info as I have recurring transactions on several cards but they refused to enable my card and unlock my account. I was of course quite upset and told them to cancel my card, but now they still wo n't unlock my account. As a result, I am unable to view my statements for this card, and unable to verify the payment that they just took from my checking account ( autopay ) and they one that they will be taking out soon. I do n't know if there is a law against doing this type of thing, but if there is n't then there should be. FIA Card Services should be punished for this type of behavior.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: CCS Financial Services, Inc.
State: AZ
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT As a living breathing man I am aware of my unalienable rights which have been infringed upon.I am stopping all communication through medians other than that through Mail as well as a response through the CFPB, I am demanding that you stop all collection activities and that includes reporting anything to my consumer report with the consumer reporting agencies, creditor, and debt collectors. In pursuant to 15 USC 1692C ( C ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt I am refusing to pay the alleged debt, and if once again anytime you communicate with me I demand that it must be through mail if not in pursuant to15 USC 1681q Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 

I never gave anyone written permission ( permissible purpose ) to furnish my information. I am aware of my open end credit plan as defined in 15 USC 1602 ( j ), With that being said i am also aware of my credit file in pursuant to 15 USC 1681 ( g ) and I want to see the transactional history, I want to see my audit trail ( File : 15 USC 1681 ( g ) ) To verify this alleged debt that you are stating me the living person is obligated to pay i demand my audit trail. If you can not verify this in pursuant to 15 USC 1692g validation of debt then its just an allegation and I will hold someone civil liable in pursuant to 15 USC 1692k Send everything to the address below, and once again that is the only medium of communication We will continue speaking through. 

XXXX XXXX XXXX XXXX XXXXXXXX ARIZONA XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MN
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I am a victim of identity theft and someone stole my identity and personal information and applied for a payday loan with Ace Cash Express. The payday loan account was an unauthorized and fraudulent account. I never applied or received a payday loan from Ace Cash Express. I was XXXX from XX/XX/XXXX to XX/XX/XXXX. There is no way, I could of applied for a payday loan with Ace Cash Express, because I was incarcerated. I have attached supporting documentation.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation