BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
Company: Colony Brands, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
NAME : XXXX XXXX Address XXXX XXXX XXXX XXXX, fl XXXX Email Address XXXX 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.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 VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) 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 as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletlon of accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2023, I sent 2 letters to XXXX XXXX about an alleged debt- ( see uploaded documents ) requesting a validation of the alleged debt. You see, I checked my credit report and found some damaging information on my credit caused by this company. I quickly wrote letters to the CEO, XXXX XXXX. Now, I checked my credit report, yesterday and found that the alleged debt was validated. How come I only found out about it by looking at my credit report? As you can see, I want the debt validated using your consumer laws. Nothing else will do. Since XXXX XXXX can not prove to me the alleged debt, I want it removed from the credit report. I also never gave them written permission to put this damaging information on my credit report, and they have therefore committed aggravated identity theft under 15 USC 1681 b ( 2 ). Since they cant validate the debt to me, I think they should validate the debt to you. All I know is I am suffering mentally and emotionally and the sad part about it, I cant afford to pay for mental health services. Thanks you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: Maximus Education, LLC dba Aidvantage
State: CA
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:
I graduated from XXXX XXXX XXXX XXXX  with a XXXX XXXX  in XXXX XXXX in XXXX of XXXX. I have two federal student loans of {$20.00} that were taken out for this degree. I previously had taken out additional federal student loans to attend law school from XXXX to XXXX. I started to make payments in XXXX of XXXX  on my law student loans. However, my student loan servicer aidVantage informed me in XX/XX/XXXX that my XXXX loans were now due as well because their records indicated that I was no longer a student since early XXXX of XXXX. This is not true. I was enrolled all the way through my dissertation and graduation in XXXX of XXXX. I wrote to them and emailed them about this mistake. I also contacted my school, and they went ahead and made sure the records reflected that I was still an active student. After a few weeks, aidVantage saw the mistake and corrected the error and place when as an XXXX  XXXX. I thought that was the end of the problem. Unfortunately, this issue was brought up again this month. 

In early XXXX, I received a change in my monthly student loan charge without explanation. It turns out that aidVantage went ahead and once again said that my deferment was over since " their records '' indicated that I left school in XXXX of XXXX and that my XXXX loan payments were not due. I contacted them by phone but to no avail. I emailed them and got no response. Finally, I wrote them a letter that included my transcripts showing that I recently graduated, and I included the past emails earlier in XXXX showing that this mistake had been clarify. Again, I received no response. Due to the short time and lack of explanation, I went ahead and made a payment on this new student loan amount to protect my credit score. 

I received an email on XX/XX/XXXX, from aidVantage stating that they were responding to my email and instead of apologizing or asking for documents to correct they basically restated the same incorrect information ignoring the evidence and facts I and the school had provided them. They ask me to contact the school and for them to update records. In short, the people working at aidVantage either did not review my case or simply decided that they are in the right and want to collect regardless of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One closed my XXXX account without notice due to inactivity. I was not able to use the account because the card expired XX/XX/17 and was never sent a new card. I called after receiving the email but they would not reopen the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01
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: Account information incorrect

Complaint:
experian will not remove the errors on my account they are derogotory i don't owe this money i called XXXX  they cant explain anything about my account because there is no record. experian has it down as four accounts owing {$1100.00} i called XXXX XXXX  they have me down owing XXXX not XXXX i called XXXX  coul not explain any account owing with my name, they need to remove this i have a new account with XXXX  they wouldn't of given me an account without paying the old one because i don't have a owing account closed for XXXX  equipment returned {$380.00} is wrong someone made a big mistake because of this i have been denied credit for four years. i have been so stressed out about this big error. I m trying to own the American Dream this mistake that experian is doing to me has ruined my name. please ask experian they have it wrong please remove i attempted to remove myself and experian wont do it they lied to me and i have been denied credit so many times i'm so stressed out my heart can't take it. my goal is to own the American Dream, i have been turned down so many times. i don't have dates of this error because there shouldnt be one.  Its ruin my life! please help me ask experian to remove. and i should be compensated for the errors they made im depressed they turned my life upside down. my name is ruined because of this. 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 2023-05-06
Company: EQUIFAX, 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: Account information incorrect

Complaint:
There are unverified information on my Consumer Report and my report should be 100 % accurate. I am aware that the CRAs need my permission and written approval to release my personal/private info to third parties. These entities did not disclose to me that I could have " OPT OUT '' of having these accounts being place onto my Consumer Report did they disclosure their company policies to me. I am very confusion as to how are the CRAs able to place these fradulent acts on my Consumer Report? Congress has passed 15 USC 1681a Definitions ; rules of constructions ( 2 ) EXCLUSIONS - Except as provided in pargraph ( 3 ), the term " consumer report '' does not include - ( A ) subject to section 1681 s-3 of this title, any - ( i ) reportcontaining info soley as to transactions and experiences between the consumer and the person making the report ; For example - that means no collections, charge offs, late payment, medical bills Judgments and Bankruptiecs etc. Aren't these transactions and experiences? Yes they are! Using my personal/private information is ID THEFT pursuant to 18 USC 1028A which is a Felody and carries a prison sentence of 2 years. I have a Right to Privacy I Demand these fradulent illegal account be removed from my Consumer Report and my Consumer Report score be restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
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: Information belongs to someone else

Complaint:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Report provided to employer without your written authorization

Complaint:
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 Please remove these inquiries at once I did not authorize them to process these. 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 2019-01-01
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear Sir/Madam, On XX/XX/2018, I deposited a check number XXXX drawn on XXXX XXXX XXXX XXXX valuing {$4000.00} in my Chase checking account number ending in XXXX. I used Chase Bank ATM located at XXXX XXXX XXXX, XXXX NY. The check was accepted and I was informed that the funds will be available in my account on XX/XX/2018. I reside in XXXX, XXXX and had a scheduled flight from NY to XXXX. I returned to XXXX on XX/XX/2018. Later, I found that the check was not accepted due to ATM/deposit Error. In an effort to resolve the issue, I contacted Chase Bank via phone multiple times. The call center representatives came up with contradictory information every time. The details of my telephonic correspondence with chase is presented in an attached table. 

Finally, I traveled to New York on XX/XX/2018 to resolve this problem. I visited Chase Bank branch in the XXXX and personally met a banker on XX/XX/2018 to get a clearer picture. Even the banker in the branch was unable to help me and was astonished that they are unable to trace the original check. They suggested sending a copy of the check to the address of the party who wrote the check ( address was printed on the check ). I was informed that I shall have to wait 8-days for the check to be delivered to that address in NY. According to the banker, I must have received the copy of the check and updates about the problem much earlier. But even after the passage of around 3-weeks, the fate of this transaction in unknown. 

This ATM error and further mismanagement due to false and contradictory information presented by Chase Bank call centers has caused me a lot of mental and financial distress. I had to put my payments on hold resulting in accrued late payment fines from the creditors as well as loss of trust. It will also negatively impact my credit score. I had to travel to NY at the recommendation of the Chase Call Center representatives and the banker in the Chase Branch. And I am adding to my costs by staying in NY and waiting to receive updates from Chase. I request that either the check be returned to me promptly, or the amount be deposited in my account immediately. Further, I demand Chase Bank to compensate me for the financial and mental distress caused by their mishandling of the transaction as well as reimburse me for my stay in NY and travel between New York and XXXX. 

Thank you for your kind considerations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: FL
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 need these accounts with incorrect information that are not mine to be deleted XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXXXXXX {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Velocity Portfolio Group
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My wife left me a XXXX  of months ago. Just recently I started receiving notifications from debt collection agencies for debt that I didn't create. My wife had taken out several credit cards and loans in my name and has me {$30000.00} in debt. I froze my credit and filed a fraud report with the credit bureaus. I tried to file a police report and reported this to the prosecuting attorney, but neither one would let me report this situation since we are still leagll married.

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
According to 15 U.S. Code 1666b this is my statement that all of the listed accounts have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These reporting of these accounts are not related to any transactions related to the consumer.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX, TRANSUNION, XXXX is breaking the consumer law pertaining to : XXXX XXXX XXXX ACCT # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with LAW SUIT, litigation AGAINST these XXXX entities the XXXX XXXX PROPERTY OF THE SOCIAL SECURITY ADMINISTRATION FOR WHICH IM THE CARD HOLDER

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 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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'm submitting this complaint to notify the credit bureau AGAIN that I was a victim of identity theft. It appears that the credit agency is unconcerned by my desire to challenge unlawful things on my credit record. Because this is a clear breach of FCRA laws, I require that the items be removed from my file 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 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 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 2022-11-19
Company: Experian Information Solutions Inc.
State: NH
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 # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX  # XXXX, Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX # XXXX, XXXX XXXXXXXX # 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 explanation
Consumer complaint received 2023-05-06
Company: EQUIFAX, INC.
State: GA
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'm submitting this complaint to notify the credit bureau AGAIN that I was a victim of identity theft. It appears that the credit agency is unconcerned by my desire to challenge unlawful things on my credit record. Because this is a clear breach of FCRA laws, I require that the items be removed from my file 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 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 explanation
Consumer complaint received 2023-08-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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