BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Consumer reporting agency XXXX, XXXX, and TransUnion is reporting false information and or information without my consent. They have failed to do investigations into these negative accounts that has caused me hardship in obtaining a car and house for my family and has caused massive pain and suffering. I have reached out to them to remove the negative items being reported, however they just say they verified the information. Furthermore, I have disputed these negative items on my report and they still have yet to properly investigate or verify information they are reporting. Violation of Tilte 15 usc 1681, and 6805. Also violation of my privacy per the privacy act of 1974.

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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-11-28
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XX/XX/2023 I checked my credit report and noticed an account listed there which was not mine. Someone else with the name XXXX XXXX is an authorized user on an XXXX XXXX and this account has been incorrectly associated with me. 

I submitted a dispute with Experian and XXXX. XXXX correctly realized their error and disassociated the account but Experian foolishly confirmed it as accurate.

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 2023-11-28
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to express my extreme frustration and distress regarding the ongoing presence of fraudulent accounts on my credit report. Despite having escalated this matter to the appropriate authorities, the situation persists, tarnishing my creditworthiness. 
I have diligently followed the necessary steps to address this issue, including filing a police report and working with the relevant authorities. Unfortunately, the impact on my credit report remains, causing significant distress and adversely affecting my financial opportunities. 
XXXX XXXX XXXX XXXX & XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I kindly request an urgent and thorough reinvestigation into the fraudulent accounts listed above. I understand that the Fair Credit Reporting Act ( FCRA ) provides consumers the right to dispute inaccurate and fraudulent information on their credit reports, and I am exercising this right. Given the gravity of the situation and the steps I've already taken, I request that you prioritize and expedite the resolution of this matter.

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 2024-01-11
Company: Rozlin Financial Group, Inc.
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filled out a form from the company stating that I did not open a loan for school because I was not in the state they confirm I was living in and I had no recollection of them or their school. They approved and sent over a letter stating they are no longer asking for me to pay and it should fall off my credit report in 5-10 business days. It did not. I disputed it with XXXX XXXX and they did nothing about it. I have the letter for proof so the collection can fall off

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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 am writing to formally address my ongoing concern and dissatisfaction with the persistent challenges I have encountered in correcting the late open account information associated with my profile. Despite multiple attempts to rectify this issue through various channels, I am disheartened to report that the problem remains unresolved. 

I initiated the process to address the late open account discrepancies by submitting formal requests through your online platform, contacting your customer service department, and visiting the branch in person. Regrettably, these attempts have not yielded the necessary corrections, and the inaccurate information continues to impact my financial standing. 

The delayed opening of these accounts has caused significant distress, affecting my financial stability and hindering my ability to engage in various financial transactions. Despite my persistence in following the prescribed procedures, the lack of resolution has left me frustrated and concerned about the long-term impact on my creditworthiness. 

In light of the above, I am requesting an immediate and thorough review of my case. I expect a comprehensive investigation into the reasons behind the delays in opening my accounts and a transparent and communicative process for keeping me informed on the progress of the resolution. 

If the necessary steps are not taken promptly to correct this situation, I will be compelled to escalate this matter to regulatory authorities and explore legal avenues to uphold my rights as a consumer. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX Balance Owed : {$670.00}.

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulte from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUC consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEI to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of tI accounts listed IMMEDIATELY! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-23
Company: WELLS FARGO & COMPANY
State: VA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
End of 2019 unfortunately I was suffering with XXXX XXXX and XXXX so i was forced to turn in resign job. I had personal loan of credit with wells Fargo less than XXXX remaining to pay which i used for home remodeling. Since i was out of job my boyfriend then offer to make monthly payment. Then i Was offerd 0 % intrest from XXXXXXXX XXXX  to pay remaining XXXX from wells Fargo and other bills i had. Then Covid hit all over the world and my Wells Fargo Bill went up to XXXX XXXX  back by the shopping i never did and the payment of i dont know what ... Time to time wells fargo leaves message saying suspicious activity to all of our account meaning my XXXX children XXXX was under XXXX at the time. I spent enermous hours of my time on the phone with wells Fargo and went to their sites one infront of FBI Building and XXXX XXXX XXXX XXXX XXXX crying asking for help to resolved this situation but no luck. XXXX as well i went to site wearing mask during Covid to find out if the money was sent to wells Fargo. I went through XXXX XXXX XXXX XXXX XXXX XXXX  during Covid but between this XXXX bank i was smashed with XXXX  and worst. over 3 years i was paying to wells Fargo and XXXX with help of my then boyfriend and Daughter. Now both of this XXXX bank dont have answer who got my loan. they blame on each other and the amount i owe them always goes up by ruinining my credit.Please help. I bank with Wells Fargo over 20 years and i felt stupid not by closing my account when i saw a huge sign at XXXX XXXX VA of WELLS FARGO IS A RIP OFF i still bank with them and open both of my underage kids account. Then they always making mistake by giving my daughter money from my account and various many mistakes. They claimed i still owe them XXXX more but XXXX and Wells Fargo both should refund me my all the money they messed up. 
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 explanation
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY has violated my rights. Or list of inquiries 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 if 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 non-monetary relief
Consumer complaint received 2023-04-16
Company: EQUIFAX, INC.
State: NJ
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:
15 USC 1666B States that a ceditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose account # XXXX Auto loan with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Back on XX/XX/XXXX there were several fraudulent charges placed on my Truist credit card. 

I reported it and some of the charges were refunded but one was not. I have called several times since to see if when there would be a resolution to this case and have been told each time that I needed to wait until 90 days after the charge was placed so that it could be " escalated '' and researched. 

I waited for the 90 days and called Truist again on Thursday XX/XX/XXXX and was told that the case was still pending - that it would be " escalated '' and that I should call back in 48 hours for a resolution. 

I called again today XX/XX/XXXX and was told once again that the case was still pending. 

I have been charged interest charges and have had my credit score affected negatively. I have expressed this stress to Truist and they keep assuring me that the matter will be resolved soon but all that happens is " escalate '' the case and note it is still pending. 

I always pay my credit cards on time, hold no balances, and have an excellent credit score so this has been particularly frustrating to me. 

I've asked to speak to a manager or someone that can help me further resolve this issue but have simply been ignored on the phone calls and told all that can be done is mark the case as " escalated '' and to call back. 

These are the details for the fraudulent charge that has not been removed : 1- Transaction Details {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Transaction Type Debit Receipt Attached No These charges occurred only a day after I upgraded some seats for a flight I had an XXXXXXXX XXXX  and my assumption is that my credit information was stolen there. 

I was issued a new card.

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 2023-11-28
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I've been going back and forth with Bank of America since XXXX about my money that they allowed someone to take fraudulently they have been going back and forth keep on denying my claims talk about somebody that I authorized on myself did the transactions that's not true my daughter passed away in XXXX XX/XX/XXXX so one of those transactions was from XX/XX/XXXX and I was still where my daughter passed away at and XXXX California so that can possibly be me I've told him this I've sent them proof they still keep denying my claims I need someone to 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 monetary relief
Consumer complaint received 2024-01-21
Company: U.S. BANCORP
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I am filing another complaint from the initial complaint, XXXXbecause their reply and information provided were completely incorrect. 
Briefly explain ; US Bank stated that I only spent {$31000.00}. However, i added up all the statements from XXXX XXXX to XXXX XXXX, ( XXXX calendar year we are in subject to ) I actually spent {$36.00}, XXXX. 
If I spent more than $ XXXX, I am eligible to receive XXXX bonus miles. 

They also forget to mention that I would receive XXXX bonus miles if i spent {$15.00}. 

It is very frustrating that I have to waste my valuable time to look up all the statements and add up all the purchases. 
I have attached the total ( wrote the amount I spent each month shown on the statements ) so US Bank easily understand. And to make sure do pay attention when they reply next time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Navient Solutions, LLC.
State: SD
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:
XXXX later to become Navient held both federally insured student loans for my XXXX and XXXX. 

From approximately XX/XX/XXXX through XX/XX/XXXX I was involuntarily unemployed. XXXX advised I could go into forbearance and did not offer a hardship deferment as an option. The result was an exponential increase in my debt by accumulating interest charges. 

In about XX/XX/XXXX I consolidated all of my debt with the DOE to qualify for ICR repayment and later public service forgiveness. I spoke to the DOE Ombuds Office who said they understood the situation but could not do anything as the issue was with XXXX/Navient. They suggested I reach out to your office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Experian still put this credit acceptance on my credit report it is settled I don't remember it's been since XXXX XXXX XXXX it was a lemon it could not pass inspection for nothing car broke down on highway tow truck came towed it s aid the engine went oil leaking out no front lights it was a nightmare terrible once the car got to the tow shop he manager said it was a peice of junk lemon do I complaints to XXXX, attorney general office, consumer affairs office they told us to try to get the car back to the dealership XXXX XXXX in XXXX NY XXXX XXXX XXXX used car lot closed down 1 year 3 months after we had the car they we're selling lemon XXXX XXXX 1 year until inspection and that when we found out the car lot was scamming customers selling car that were in storms flooded water damaged engine 's credit acceptance said they need to get the car sold so we told the tow man what happened and what we went through with this car lemon he brought it and used the car for parts so he contacted credits acceptance and they agreed on XXXX and I sent a copy of the paid in full letter Experian credit said that's not proof I want to sue them for damages of XXXX voilated code 15us 1681 code809 code 611 code. 623 code 605

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 2023-11-26
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:
CFPB- 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM 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 explanation