BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
O/A XXXX XXXX through XXXX XXXX I have attempted to fix erroneous information being reported on my credit reports on credit accounts that have been discharged through XXXX  XXXX bankruptcy. Most of the agencies have cooperated in getting the accounts in closed status and showing XXXX  XXXX Bankruptcy Discharged. However, they have not removed past delinquent payment dates which has a direct effect on my credit score. The purpose of a bankruptcy is to remove all past derogatory information so a US Citizen can start with a clean slate and start re-building their credit. I believe that the credit reporting agencies are allowing creditors to willful and negligent noncompliance of the FCRA 15 USC 1681c and 1681o and noncompliance of current US bankruptcy laws.

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 2022-12-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I created a dispute under the FCRA 15 US Code 1681 B that reporting agency did not have my written consent to publish such information and with no consent per 15 US Code 1681 C1 that is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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 am filing this complaint on my own behalf to address an issue concerning unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.

Company response to consumer: In progress
Consumer complaint received 2023-09-06
Company: Checkr, Inc
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Charges appeared on a random background check in XX/XX/XXXX that were erroneous. The charges were expunged and checkr claimed to fix my report though it took creating a new account with XXXX to get my account online despite being provided order from court and all supporting info. My employ was terminated without cause as a result from XXXX XXXX to XX/XX/XXXX. Forgetting this issue, I changed my phone number on or about XX/XX/XXXX and the same issue has occurred. My account has now been closed unreasonably a second time and this time while I had a rental through XXXX I was paying for to work on the platform. Checkr has reported that they corrected the issue, but XXXX has essentially blacklisted me as a result of their support team being essentially inept. Neither organization will take responsibility and this has cost me thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2023-07-25
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
First, I would like to ask the National Credit system to stop reporting this account on my credit report because they are injuring my credit profile and this has caused my credit score to drop XXXX points, they have caused some of my credit limits to drop and I am unable to obtain more credit. 

I have asked the National Credit system for Debt Validation and they had failed to do so, I demand a line-by-line w/description explanation and supporting documents ) from the first month, I would like to see from XX/XX/XXXX to XX/XX/XXXX which they have failed to provide. They are reporting on my credit report knowing they have not validated the debt according to 15 U.S.C. 1692e, entitled False or Misleading Representations, which states that a debt collector may not use any false, deceptive, or misleading representation. 

This account is also reporting charges that do not belong to me I have asked the national credit system to Explain in writing what is an initial late fee in the amount of {$310.00} and where I agreed to pay every month for XXXX months in the state of Georgia. My rent was NEVER late but my rent was refused by the leasing office. Rent was refused for unit XXXX ( see attachment below ) therefore it would be impossible for XXXX XXXX nor National Credit System to try to collect the initial late fee late payment in the amount of {$310.00} for XXXX months. Please provide me with any supporting documents that XXXX XXXX tried to collect rent from me. 

This account is also reporting a {$200.00} paint fee, I have already paid an {$130.00} clean move fee and the company did not return my security deposit therefore they can not keep charging me fees on top of fees. Needless to say, the apartment has to be repainted each and every time its rented my unit has normal wear and tear. 

Here are a few more other things I am looking for in connection with the National credit system collecting this debt. 
Any creditor regarding this account has made any insurance claims ( I need ) Any Judgments obtained by any creditor regarding this account ( I need Name on the file of the alleged debtor ( I need ) Address on file for the alleged debtor ( I need ) Amount of alleged debt ( I need ) This alleged debt became payable ( I need ) Date of original charge off or delinquency ( I need ) Verification that this debt was assigned or sold to the collector ( I need ) Complete accounting of alleged debt ( line-by-line w/description explanation and supporting documents ) from the first month I paid my rent and my security deposit. ( I need ) Explain in writing in my lease, what is an initial late fee in the amount of {$310.00} and where I agreed to pay every month for XXXX months in the state of Georgia ( I need ) Commission for debt collector if collection efforts are successful ( I need )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company has the dispute results and FLAT OUT REFUSES TO FIX THE ISSUE! THEY ALL WORK FROM HOME SO YOU CAN NOT REACH A SUPERVISOR. THEY ARE RUING LIVES. MY FAMILY IS IN DISPAIR. WE ARE SUFFERING EMOTIONAL DISTRESS BECAUSE WE CAN'T MOVE BECAUSE WE KEEP GETTING DENIED BECAUSE THEY WILL NOT REPORT CORRCT INFORMATION! 

TRANSUNION RENTAL SCREENING SOLUTIONS INC I've been denied housing twice. The first home I should have qualified for is now priced too high but I could have rented this home before they took the price up.

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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction or removal due to inaccurate reporting in my file. 
XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX 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 2023-09-06
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Lender replaced the portal with UAS XXXX and I can not access the statements. 
When I try, the screen just turns gray and links to " null '' I need access to my current statement or payment will be delayed. 
How can I pay without a statement?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I deposited a check for XXXX to my checking account. 

Chase bank withdrew the money from the check issuer 's account but has not made the money available to me till date. It has been more than 35 days now. 

I have spend 10+ hours with change representatives to resolve this but they haven't resolved it yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: U.S. BANCORP
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
U.S. Bank Online Case # XXXX For almost a year now, I have had no access to logging into my " corporate '' account number. 
When I login to my account it shows that I don't have any charges, but then I get a bill that says I owe money and a late fee to an account where I can't login. Now I have a {$40.00} late fee for an account where I can't login. 

Every time I've tried to login to this account it says, " We're having trouble verifying your account. Double-check your account information and try again. '' Literally for an entire year. 

I've emailed XXXX XXXX Internet Support Specialist l Customer Care Operations at U.S. Bank 14 times! Nothing has been resolved in 10 months. I had 29 emails with XXXX XXXX. Digital Communications Specialist and nothing was resolved. 

This is the 2nd time I've had to contact the CFPB about this card and U.S. Bank. They resolved the previous issue ( XXXX ) but blamed me for the issue and made it sound like it was my fault. Two of your employees, plus a total of 43 COMBINED EMAILS and 10 months couldn't figure out what's wrong. 

I would appreciate : # 1 Forgiving the {$40.00} as I had to call in and pay my $ XXXX balance over the phone # 2 Fixing the issue, which is being able to login to the " corporate '' account ; this has never been resolved. 

When it's convenient, please contact me back.

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I created an account with Transunion to check whether they had an issue with my file as I was unable to apply for a loan, and had no issues flagged at the other two credit reporting bureaus. I was able to login to the account but was not able to use any of the features in the website- credit freeze, credit dispute, credit report. On each of these pages, I got a message saying that this service was not available to me online right now, and I should call their support line. I have now called the support line several times over the past three weeks, and after being sent from the accounts department to the XXXX department to several managers, and was told I would get callbacks from tech support but have gotten nothing. Several people on the phone told me there was nothing wrong or flagged on the account, while another person told me they could see that the support team was actively working on my case- this was on XX/XX/29. The account is still locked to me after I login as of XXXX, and this block and subsequent inaction by Transunion is preventing me from applying for a loan for graduate school.

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 2023-09-06
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Violation of Payment request and additional payments directing Bridgecrest to apply to principal balance. Company applied payments to strictly interest and illegal fees. Violations include Truth In Lending Act ( TILA ), The Fair Credit Billing Act ( FCBA ) and The Consumer Finacial Protection Act ( CFPB ). Including but not limited to ( TILA ) section 129B ( 3 ) ( B ) ( i ), ( FCBA ) section 161, ( CFPB ) section 1031, 12 USC 5536 ( a ) ( 1 ) ( A ) ( B ), 15 USC 9056 ( b ), 12 USC 5531

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 2022-12-07
Company: EQUIFAX, INC.
State: OH
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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2023 I discovered that Navient is mishandling federal student loans. 

Navient FAILED to properly notified loan borrowers about the status of their loans in a timely fashion. 

Navient FAILED to offer income base repayment plan as allowed by the new federal law. 

Navient FAILEDto help loan borrowers understand any and all options available under the new student law. 

In fact, Navient violates the new federal law by making struggling low-income borrowers pay their loans, when the new federal law is suppose to help them in income driven repayment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of anxiety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company ( Toyota Motor Credit Corp. ) refused to comply with administrative process letters. Failed to comply with federal, state, and trust regulations. Violated the consumer/beneficiary on numerous counts of fraud and identity theft. Legal action is now in pursuit, and their failure to produce the requested documentation is the reason for litigation. Company is hiding behind a color of law to which does not exist only to due ignorance and unfortunately this isn't that case at hand. The company ( Toyota Motor Credit Corp. ) legal attorneys/lawyers does not in fact represent you in the legal matter nor do they represent me the consumer/beneficiary in this matter. With that being said please do have your defense solid and credible for the record because all communications/telecommunications will be recored for the record due to legal matters. Frankly if the matter doesn't resolve in a financial remedy that's not worth taking to court there might be a chance for settlement matters. But for the time being please be noted that the company ( Toyota Motor Credit Corp. ) holds NO dual power of attorney over my legal fiction or anything regarding the matter at hand. Everything associated with my consumer report is private confidential information not to be traded or exchanged with no one or third parties. Please be advised that all matters are trust related so the trustee 's ( Toyota Motor Corp. & Lexus Financial Services ) at hand are at breach under trustee malfeasance and will be persecuted to the fullest extent of the law. The company ( Toyota Motor Credit Corp. ) failure to comply and or correct the matter will only include more assessed fee 's and penalties in the over all grand total of the fee schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
During XXXX I missed payments during a time that my grandmother was XXXX and needed my attention. I paid off all the late fees and was still charged interest afterwards and late fees until it accumulated to {$62.00} in the month of XXXX, payment as per my XXXX statement. I paid Commenity Bank through my checking account in XX/XX/XXXX as per my bank statement. I just checked my credit report and they are reporting that I missed that payment and owe them {$10.00}. I called their customer service and they rep says she can't do anything about it but to wait. They won't stop charging me and they are tanking my credit report which before this whole incident used to be in the high 700s. My concern is that no matter how many times I pay them, they will continue to report delinquency.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. State 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 wriiten instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I'm a 100 % XXXX XXXX XXXX  XXXX Veteran and cosigner on student. I thought I should fall under " The Biden-Harris Administrations Student Debt Relief Plan '', and they're saying it doesn't apply. I also thought I should be covered from the military service. We also tried it from my service as a XXXX XXXX ( XXXX XXXX ) approach. They find a way to evade all trials. This loan with American Education Services is from early 2007 and even though we've been paying more than minimum payments its doesn't seen like its dissolving.

Company response to consumer: Closed with explanation