BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$540.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX CT ) XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$1200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$26000.00} 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 2022-10-06
Company: EQUIFAX, 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 appreciate you taking the time to DELETE some of the information in my credit file ; however, there are still accounts that need to be DELETED. 
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. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureau to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXX XXXX Discharged XXXX Date Filed XX/XX/2013 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Today, XX/XX/XXXX I received a credit alert that my credit score decreased. This decrease also reported to all three credit bureaus. The reason for the 22 point drop was because XXXX XXXX XXXX ( XXXX XXXX ) added a comment of " Natural Disaster ''. So I called and spoke with a customer service rep, which was no help at all and kept having a small giggle. So I asked for a supervisor, to explain to my why that comment was added. I paid my balance down significantly, on my own with no assistance from XXXX XXXX XXXX ( XXXX XXXX ). The supervisor informed me that they put that comment on all there clients credit reports because the credit card services was offering a 90 day no interest, late fees on the credit cards. I said, I understood that. However, I did not get any assistance in that nature because I paid my card down on time and it was not late. So technically, that remark should have never been added to my account on my credit. I informed her that putting remarks like that DECREASES consumers scores. My score showed going up for the decrease in balance then dropping 22 points due to the natural disaster remark. The supervisor stated, she will request for that to be updated and removed and they did n't realize it would dropp consumers scores. She also, informed me that if I wanted to go ahead and file a complaint then I can do that as well. So here it is. Now I want to know how I will get my 22 points back? I 'll wait. I do n't know about anyone else, but my credit is VERY IMPORTANT to me and I work hard to keep it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-02-03
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: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting on my XXXX credit report thatvi have over 600 dollars in collections.and reporting that I don't have any collections bur they are reporting the numbers which are inaccurate and its misleading to any creditor to give me any credit or financial assistance

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 2022-02-03
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting on my XXXX credit report thatvi have over 600 dollars in collections.and reporting that I don't have any collections bur they are reporting the numbers which are inaccurate and its misleading to any creditor to give me any credit or financial assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: IL
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 was sick in the XXXX  with XXXX  for 2 months and immediately upon discharge I contacted XXXX and made payment arrangements and was told by 2 different customer services reps on 2 different dates with the last date being XX/XX/22 where I was advised that even though I was in the XXXX with XXXX  that the CARES act did not apply to them and I could not get a deferment. I made arrangements to bring my account current and was told that I would not get a late payment and I would not be charged late fees. I was given both immediately after! I called back and asked the manager to review both calls which she did and said that would provide better training for staff but would not rectify my situation. I disputed with all credit reporting agencies. XXXX DID NOT do a thorough investigation I disputed on XX/XX/22 and on XX/XX/22 it responded with verified

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I received an email stating that citi bank was closing my account. It has been 60 days and Ive called and spoke with over 20 reps. No one can tell me why they are closing my account or why the account has closed. This company is refusing to follow the federal guidelines outlined by the regulatory body for financial institutions. Citi bank representatives have hung up the phone on me and refused to answer my questions. They have denied me access to my money in the middle of a pandemic and no one seems to care. I feel XXXX XXXX by this bank and will be moving forward with legal action if these accounts are not closed immediately! The bank is also refusing to give me my money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: ACIMA CREDIT, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am making this formal compliant about Acima Leasing and an account they are continuing to try to debit my account and collect on an account I returned. 

Acima is a leasing agency and I obtained a sofa/loveseat set and requested that the items be picked up. According to Acima, you can return the merchandise with no penalty. I contacted Acima on XX/XX/XXXX requesting that the merchandise be picked up and that I was exercising my right to return the merchandise. On that day or days following, Acima agreed and sent an email on the procedures to return the merchandise, which I compiled. 

The instructions were to donate the items to a non-profit agency and that would conclude the lease agreement. I contacted a non-profit agency, XXXX XXXX, and scheduled a pick-up. The items were not picked up by XXXX and I had to take the items to XXXX for donation. 

Acima did not accept the donation receipt and have now added the items to my credit report as well as continue to debit my account without my further authorization to try to debit my account via XXXX. The very day that I asked for the items to be picked up, they added the account on my credit report for 3 times the amount of the purchase price.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Bank of America placed an XXXX hold on all 4 of my accounts leaving me no access to any of them for over a week. This happened on XX/XX/XXXX and today is XX/XX/2021 and I'm still waiting for the hold to be released. I've been told that the review on the direct deposit has been cleared it's the hold that needs to be removed. I also get told that they will escalate it and that it should be all set in 24 hours. It's been almost a week that I've had no access to any of my money. They wouldn't even allow to me to take some money and open a new account while the deposit was being reviewed so that I at least had some money and could pay my bills and buy XXXX gifts. Now all my payments are being returned for NSF even though I do have money in the accounts. I just want the holds removed so I have move my money out of that bank. I've been a customer there for over 10 years. I'm tired of getting the run a round and just want my money. I've verified that all the deposits and withdrawals are valid on my account and that there's nothing fraudulent. 
one would thing that would suffice since it's my account. I understand the need to review certain things but this is just ridiculous and I need help. I never received a call or letter saying what was going on. I'm being charged NSF by vendors. My accounts still have holds and I don't know what else to do or who can help 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 monetary relief
Consumer complaint received 2022-02-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT. SOMEONE IS DESTROYING MY LIFE WITH THESE FRAUD ACCOUNTS. I DONT KNOW WHAT TO DO. I AM GETTING MY CREDIT TOGETHER AND I SEE THESE FRAUDULENT ACCOUNTS. I NEVER AUTHOIRIZED ANY OF THESE ACCOUNTS. PLEASE INVESTIGATE THESE CRIMINALS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: IL
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 was sick in the XXXX  with XXXX for 2 months and immediately upon discharge I contacted XXXX and made payment arrangements and was told by 2 different customer services reps on 2 different dates with the last date being XX/XX/22 where I was advised that even though I was in the XXXX with XXXX  that the CARES act did not apply to them and I could not get a deferment. I made arrangements to bring my account current and was told that I would not get a late payment and I would not be charged late fees. I was given both immediately after! I called back and asked the manager to review both calls which she did and said that would provide better training for staff but would not rectify my situation. I disputed with all credit reporting agencies. Experian DID NOT do a thorough investigation I disputed on XX/XX/22 and on XX/XX/22 it responded with verified

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 2022-07-06
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # 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. 

Furthermore, XXXX XXXX has reported to the credit agencies conflicting information stating under the Additional Information Section of my credit report that " Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$4500.00} ; '' however, they also are reporting that my balance is {$23000.00} of XX/XX/XXXX. I am confident that you will find the attachment as self evident of these facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX - I called Fed Loan Servicing to try to change my repayment plan ( I had been switched to Standard Repayment Plan ) because I had not submitted by tax returns by a requested date ( Fed Loan states they sent me a letter requesting the tax returns but I never received it ). I immediately sent my tax returns in, they stated that in the meantime while my information was being processed, I could ask to be placed into forbearance. To do this I submitted a forbearance request. They stated I would then receive a PAPER bill for a {$5.00} reduced payment. I also resubmitted application for income driven repayment plan. I was told my income driven repayment plan app would not be processed until the XXXX reduced payment was processed. XX/XX/XXXX - called fed loan, told reduced payment of XXXX was still waiting to be processed, told to not make any payments but to call back " in a couple of weeks. '' XX/XX/XXXX - called fed loan stated that they could see the request but there was some unknown problem, they would " push it forward " and I would get the {$5.00} bill now in my email. XX/XX/XXXX -- Called fed loan, stated I had not yet received {$5.00} bill either in email OR in inbox, they stated it would come betweenXX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX -Called fed loan again because I did n't trust them anymore by this point, rep now told me I would get the bill " this week '' and it would be due by XX/XX/XXXX XX/XX/XXXX- called fed loan told them STILL had not gotten any bill. Also told that my application for the income driven repayment plan had expired ( I had submitted it in XX/XX/XXXX but they said it had been pending until the XXXX payment was processed ). I resubmitted a new income driven repayment plan app
lication. I was told to " just go ahead '' and make a {$5.00} payment online and " they 'll know what its for '' despite the fact they had continued to tell me they would send me a bill and to NOT make any payments except when I received the bill. I made the {$5.00} payment. XX/XX/XXXX - Called fed loan told that their system was down and " ca n't see anything '' regarding my application or the {$5.00} payment, told that even though my forbearance period was up, and my bill was going to be due ( likely before my new income based repayment plan was processed ) I could request to extend my forbearance. Told to call back later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have tried to dispute US BKPT CT TX XXXX XXXX  XXXX Account number XXXX on my credit report several times as inaccurate ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX ) as not mine but the credit bureaus have verified that it is accurate. I mailed a letter to XXXX XXXX records office ( XX/XX/XXXX ) pertaining to US BKPT CT TX XXXX Account number XXXX where this occurred and they replied on XX/XX/XXXX stating that they do not send information to the credit bureaus. This is where I am confused because after reading the law the FCRA if the original creditor or institution can not verify the information then the credit bureaus reporting it have to delete it. I sent this into the credit bureaus as well along with the paperwork from the county record office and it seems like they are not doing ANY sort of investigation which they are required to

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 is reporting a tax lien on my credit report in the amount of {$1000.00} that was discharged in bankruptcy. I contacted the courts and they are not showing a balance owed, but TransUnion continues to report that I owe {$1000.00}. My bankruptcy was discharged in XX/XX/XXXX2017 and all other accounts have been updated, but this account is severely damaging my credit score. XXXX and XXXX are not reporting this account, only TransUnion

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 2018-11-01
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: Account status incorrect

Complaint:
I have disputed the late payments on XXXX XXXX XXXX XXXX account. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation