BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX Account number XXXX XXXX has violated my rights. Account name XXXX  XXXX Account number XXXX, has violated my rights. Account name XXXX XXXXXXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number 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 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 2017-04-05
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
My Son barrowed XXXX for XXXX school in XX/XX/2005. He was making his payments on his loan until they split the loan XXXX times. Now XXXX portion of the loan is up to XXXX He is no longer able to make the payments on this loan due to him XXXX over this. The harassment and hounding from these lenders is unthinkable. We now have to live our lives without him in it due to his student loans. These people should be held responsible in some way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting act.The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX // XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX // XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX // XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX 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.A 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 which antedates the report by more than seven years. 15 U.S.C1681s-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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XX/XX/2023 I found XXXX transactions ( {$10.00} and {$25.00} ) I did not make for opening new bank account # XXXX ( I did not open a new bank account ). I called the bank ( XXXX XXXX ) but did not receive any explanations or suggestions. 
On XX/XX/2023 I was trying to access my online banking from my mobile device ( XXXX XXXX ) and it was unsuccessful multiple times. I went to the branch of XXXX XXXX in XXXX ( XXXX XXXX XXXX, XXXX, CA XXXX ) with my problem and we realized that somebody used my SSN and all personal information to open new bank account under my name. Also they have changed my phone number and email address in my online bank account, ordered ATM card, withdrawn some cash ( XXXX transactions for {$1000.00} each ) from me ( ATM in XXXX XXXX, CA ) also they transferred {$6000.00} from my credit card to new account # XXXX they opened. I had to close my old account, ordered new debit and credit card, changed my username and login for online banking and pin code for debit card. After I left the branch I was trying to access my online banking again using new user name and password and no success again. I went to the branch next day and they said that somebody called and pretended to be me and asked why the account was closed. When they did not answer to security question correctly the operator blocked my new account again.

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 2021-01-13
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid 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:
On XX/XX/2020 I received a phone call that a charge of {$4600.00} of had been made to my Discover Card ending in XXXX. I did not make this charge. Contacted Discover - requested cancellation of this charge and cancellation o card ending in XXXX - requested a new card. Checked my profile with Discover online - changes, unknown, to me had been made to my account. Corrected these changes. I was told this charge would be reviewed and I would be issued a new card. Rec 'd a new card ending in XXXX about 5 days later - {$4600.00} charge was still on the new card account. 
Contacted Discover - was told that they had rec 'd a call telling them that this charge was valid - I did not make a call stating this charge was valid. 
I have been receiving calls from Discover every week to 10 days requesting payment. I have denied payment. They recommended I file a report with my local law enforcement agency - My XXXX address is outside of the city limits so I am filing with the XXXX County Sheriffs Office..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 have submitted several disputes to the credit bureaus equivalent, XXXX and transunion. The only response I get back is account verified. I have asked in my letters to provide proof of what youre telling me. I also called XXXX XXXX myself and they keep giving me the run around. How can you verify an account reported on someones credit but can not provide proof that it belongs to them. XXXX was suppose to send me an email of a fraud form and I never received that as of XX/XX/2023. I need this account removed immediately Im tired of going back and forth. My next step will be to file a law suit. 

XXXX XXXX acct number 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 2021-01-13
Company: Early Warning Services, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I recently attempted to open an account with XXXX XXXX and they alerted me that i was in the Early Warning Services and I was denied to be apart of their credit union. But when I contacted Early Warning Services. They told me on the phone they dont know why they said that and they can only provide me with a Report and then I can only dispute anything i find inaccurate on the report. They were suppose to Email me and Mail me the report. I have not received any email or mail from them. XXXX provided me with detials and even a client inquiry number. However Early Warning Services told me they dont use any Client Inquiry numbers and they dont know why XXXX told me that. The letter is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: MA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: MRS BPO, LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A debt buyer is attempting to collect on a debt that is currently under fraud and being worked as an ID theft case with XXXX XXXX XXXX, and the credit bureaus. 

I do not owe MRS BPO LLC XXXX and they are attempting to collect on a debt that is not owed to them and a debt that I do not owe! 

They need to provide me with a WET INK SIGNATURE of a contract showing that I owe them money. 

Again, this company is a debt buyer

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13
Company: EQUIFAX, INC.
State: ND
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 a police report and dispute to Equifax on XX/XX/2021 via fax which Equifax received and was confirmed via phone conversation with representative. I am disputing the following inquiries 1. XXXX 2. XXXX XXXX XXXX 3. XXXX  XXXX 4. XXXX XXXX XXXX. I was told it would take 30 days to dispute but according to the FCRA 605B this type of matter should take a maximum of 4 days. I am demanding the inquiries be removed from my credit report immediately as it has already been 8 days since I've submitted my information and dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: United Resource Systems, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a collection account with united Resource System. The original creditor is XXXX XXXX XXXX XXXX. This was brought to my attention XX/XX/2020. I have always paid them at time of visit and have no problem making my payments to them. The amount is very small {$62.00} and would not have had an issue paying them. I never received any info regarding this bill. This is drastically impacting my credit and ability to purchase a home and a vehicle in the near future. The company will not help me with this unfair resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway XXXX XXXX XXXX {$50.00}, Opened XXXX XXXX XXXX XXXX XXXX {$510.00}, Opened XXXX XXXX XXXX 


XXXX XXXX {$510.00}, Opened XXXX XXXX XXXX 


XXXX XXXX {$880.00}, Opened XXXX XXXX XXXX 


XXXX XXXX XXXX {$4000.00}, Opened 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 2023-11-10
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: Credit inquiries on your report that you don't recognize

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 resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer.

reporting agency can not furnish an account without my written instructions 15 U.S Code 1681b in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting.

agency WRITTEN CONSENT 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 the accounts listed IMMEDIATELY.

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 2023-06-06
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
It has still been discovered that the credit bureau Experian is still reporting a inaccurate address on my report. I sent a letter certified with my identification showing the address that should be reporting. They stated my current address is reporting however they are stating that a previous address is still reporting as accurate. I am steady telling them that the alleged previous address should not be reporting. I contacted the companies that are reporting this inaccurate address and have advised them that the address they have is not reporting correctly. These companies have advised me that they do not show a previous address that Experian is reporting so why does Experian keep knowingly reporting inaccurate addresses? I also contacted the other two credit bureaus XXXX and XXXX they stated they don't have a previous address showing, they only have a current address. I have attached proof that this address alleged previous address are not reporting with the other bureaus. Everything being reported a consumer 's report has to be reporting 100 % correct and it is not. 

According to Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

( C ) No address requirement. A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 

( D ) Definition. For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.

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 2023-01-11
Company: Atlanticus Services Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called to close this account well before my annual fee was to be charged to this card around XX/XX/2022. I was still charged the {$99.00} annual fee even though my account is closed. I dont know how companies can charge a fee like this when youre NOT using their card. On top of this they charge a Maintenance fee of {$12.00} per month! Its almost like a penalty for canceling. Its completely exorbitant and they shouldn't be able to charge these ludicrous fees. 

I called several times and connected with a representative and supervisor on chat and on the phone and they refuse to stop/reverse any of these fees. There is no way I can keep my credit in good standing or get back to good standing if corrupt companies keep charging these fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: RI
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: NY
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
Company: U.S. BANCORP
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Back in XX/XX/2022, I noticed USBank has an online AD shows they will provides a {$400.00} welcome bonus offer for new personal checking account : " Complete two or more direct deposits within 60 days of opening your new Platinum, Gold or Easy checking account. 
Earn {$200.00} when your direct deposits total {$2500.00} to {$4900.00}. 
Earn {$400.00} when your direct deposits total {$5000.00} or more. 
This offer is valid through XX/XX/XXXX. XXXX XXXX : XXXX " I opened checking account via USBank 's website with Promo code " XXXX '' on XXXX, and start using this new personal checking account as my salary direct deposit account. 

By now, I already made more than 12 direct deposits and more than {$50000.00} in total, but still not received the {$400.00} welcome bonus. 

I contact USBank customer service more than 5 times in the past 3 months about this problem, they checked my direct deposit history, told me I was eligible, I can expect the the {$400.00} welcome bonus hit my account in couple weeks, but it never happened.

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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts from my credit report as soon as possible.

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