BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
this debt collector engaged n abusive, deceptive and unfair practices of the FDCPA which it prohibits they furnished this account that we didnt agree upon and i didnt sign any agreement on. a legal contract is signed by two parties and i did not participate in any of it. more so they didnt follow the proper 5 step validation procedure which make this unfair practices. according to the FDCPA im entitled to XXXX dollars per violation and clearly they violated my rights. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX inquiries - XXXX  - XX/XX/XXXX XXXX XXXX  XX/XX/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 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
about 2 months ago i recived a copy of my credit report and i noticed severals accounts that listed of my report that i never apllied for never used

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 2020-08-06
Company: NAVY FEDERAL CREDIT UNION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Navy federal froze my accounts on XX/XX/XXXX I have talked to numerous of reps and have been told different things. I have had my accounts for a few months now, one rep stated that I had to show proof of relation to another navy federal member, This information wasnt requested when I initially opened the account why now?? I then was told that my accounts was froze due to a transfer I received, which one is it why is my accounts frozen? I have been inside the branch with no help at all I have sat on hold for hours over the last week and my accounts still are locked I have provided proof of my identity as well as address my accounts are still locked

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: TX
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

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 2022-09-07
Company: FREEDOM FINANCIAL NETWORK
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
XX/XX/2022, XX/XX/2022, XX/XX/2022. 
I was told by the employees at freedomplus that my credit score would not be affected. 
I was told they would only pull a hard credit check if I took out a loan. 
A hard check shows up under XXXX. 

freedomplus.com 2022 Freedom Financial Asset Management , LLC. 
All Rights Reserved. 
XXXX XXXX XXXXXXXX Main Office : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX Branch Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Mailing : XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: The Receivable Management Services LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collection agency The Receivable Management appears on credit report. XXXX, XXXX and XXXX. I have tried contacting the number listed on the report as provided by XXXX but have never been able to get through to an agent. The balance of {$250.00} is not owed. The original creditor, XXXX, was provided payment XX/XX/. This creditor should not be listed on my reports as owing a balance, as I have had no communication with them and no information received in regards to amount owed

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: Experian Information Solutions Inc.
State: IL
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:
There is information on my consumer report that is a result of identity theft, see attached

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 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 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 2023-11-13
Company: Experian Information Solutions Inc.
State: NJ
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 noticed a credit inquiry from XXXX  XXXX XXXX on my credit report dated XX/XX/23, which I did not authorize. There is an initial fraud alert on my credit report.

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 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
TransUnion XXXX XXXX is breaking the consumer law pertaining to : XXXX account # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost XXXX  of dollars and mentally aggravation if this is resolved I will have no choice to move forward with litigation.

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 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have accounts on my credit report as a result of fraud and identity theft. Letters and letters of the law have been sent to all three credit bureaus. I have also submitted an affidavit and police report. I request for these unauthorized items to be removed. The following collections and accounts, XXXX XXXX XX/XX/XXXX for the amount of {$13000.00} ; XXXX XXXX XXXX account XXXX ( XXXX XXXX ) XX/XX/XXXX for the amount in {$370.00} ; XXXX XXXX account XXXX XX/XX/XXXX for the amount in {$480.00} ; XXXX XXXX  ( XXXX  ) account - XXXX XX/XX/XXXX for the amount of {$520.00}

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 2023-08-28
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: Investigation took more than 30 days

Complaint:
I have been requesting Validation of debt from XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. My request for validation started back on XXXX XXXX and continued through XXXX XXXX and still continuing. I will only provide one of the XX/XX/XXXX Validation letter and one of the XXXX XXXX Validation letter because the pages are many. 

I'm being sued by XXXX XXXX XXXX on the behave of XXXX XXXX XXXX XXXX XXXX. a Law firm to be exact. I am aware of the rights that I do have as a consumer. And as a consumer, after a request for debt validation, the law states that the debt collector must stop all collection efforts until they send me the requested information. 

As you can see, my request for validation was ignored and a lawsuit was applied. I also submitted my Answer to the court on XX/XX/XXXX as required. I also sent the Plaintiff a copy of my Answer as well. Did the Plaintiff receive it I'm not sure. My answer I requested certain information to be showed to me and still I have yet to receive that information. For a resolution I'm seeking for this case to be dismissed per violation pertaining to failure to respond to debt validation request in a timely manner. In the attachments are the following : 1. A letter of complaint to CFPB 2. Dispute Letters dated XX/XX/XXXX and XX/XX/XXXX 3.The State Of Texas Original Petition Citation Lawsuit From XXXX XXXX XXXX XXXX XXXX XXXX 4. Defendant 's Answer 5. USPS Tracking : Certified Mail Receipt

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 2023-11-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
i requested my annual credit report on XX/XX/2023 from the credit bereaus and none of them furnished a copy

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 2023-11-13
Company: Experian Information Solutions 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:
This is my multiple 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 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 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 2022-09-07
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My checking was hacked and funds were fraudulently withdrawn from my account. PNC ( apparently ) denied my dispute. PNC closed my account with a negative balance, stating abuse, with zero notice. Now, my account is being reported to XXXX XXXX stating that I have an unpaid balance, even though it was paid later. The account was negative for 22 days before being closed and reported as charged off. Didnt even give me the courtesy of 30 days which then couldve resulted in being paid prior. I was never even given an option or chance to pay prior to the account being closed. I was never notified of anything other than a 20 day late notice, but I was under the impression the investigation was still being investigated. I spoke to the branch, and they confirmed that the letter was never sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: PA
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Delete this account.

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 2019-01-05
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Issue # 1 : In XX/XX/XXXX my father sent a {$1000.00} check to the Department of Education XXXX XXXX XXXX to pay off {$1000.00} in principal on my student loans. I was still in school at the time, so no payments were actually due on the loans yet, this was just a payment to pay down some of the principal. My father 's check was dated XX/XX/XXXX and it was cashed by XXXX XXXX ( PHEAA ) on XX/XX/XXXX. However when I look at my loan information online, I don't see this payment deducted. 

I wrote a letter to XXXX XXXX on XX/XX/XXXX and sent it via Certified USPS mail asking them to let me know what happened to this payment. My letter was delivered to XXXX XXXX on XX/XX/XXXX, but I have not received any response yet after more than a month and a half. 

I have attached below the following documents that were already sent to XXXX XXXX : - My letter dated XX/XX/XXXX - Screenshot of {$1000.00} check being cashed on XX/XX/XXXX - Carbon Copy of my father 's {$1000.00} check dated XX/XX/XXXX I have attached these additional documents as proof that I have attempted to resolve this previously : - Post office receipt for Certified mail sent to XXXX XXXX on XX/XX/XXXX - Confirmation of delivery on XX/XX/XXXX for the same Certified letter Issue # 2 : I made a another Principal only payment by check in the amount of {$1700.00} accompanied by a letter dated XX/XX/XXXX with specific instructions about how and where the money should be applied. This check was cashed by XXXX XXXX ( PHEAA ) on XX/XX/XXXX, but they applied most of this payment to interest instead of principal and they applied it to ALL of the loans instead of the two loans I specified. They have also advanced the due date on my payments to a date in the future - which I did not ask to have done and do not want. 

I wrote the PHEAA Office of Consumer Advocacy a Certified USPS letter about this problem on XX/XX/XXXX asking them to fix it, but have heard nothing back yet after more than a month has passed since they received my letter. They received my Certified letter on XX/XX/XXXX. 

I have attached the following documents : - Certified Letter dated XX/XX/XXXX sent with check for the {$1700.00} principal payment. 
- Certified letter to PHEAA Consumer Advocate dated XX/XX/XXXX identifying the problem and asking that it be corrected. 
- Screenshot of my online loan account showing this payment was applied mostly to Interest instead of being applied to Principal only. Also shows being applied to ALL loans instead of the two I designated. 
- Monthly bill dated XX/XX/XXXX showing the 2 loans with the smallest balance, which is where this Principal payment should have been applied. 
- Confirmation of delivery on XX/XX/XXXX of Certified letter to PHEAA Consumer Advocate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-05
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This creditor is reporting negatively on my credit report. I send a debt validation letter and i received a print out on XX/XX/XXXX. The letter is not any verification of debt with this company, i sent a second letter on XX/XX/XXXX and i have never received any response back even though my letters were send certified mail. This Debt is for XXXX originally from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a letter from XXXX after their investigation on my account they found the error and sent a letter to the credit bureaus for them to remove the account because of the error. 

I dont see the account removed like they requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Description of Complaint : MY MOM, XXXX XXXX XXXX, HAD A CAR, A XXXX XXXX XXXX, THAT WAS FINANCED THROUGH XXXX XXXX. I WAS MAKING THE PAYMENTS. MY MOM WENT INTO THE XXXX XXXX IN XX/XX/XXXX. XXXX XXXX CLAIMED SHE DID NOT HAVE CREDIT LIFE INSURANCE. THAT WAS A LIE. MY MOTHER PASSED AWAY ON XX/XX/XXXX AT XXXX XXXX IN THE MORNING. XXXX XXXX REPOSSESSED THE CAR AFTER HER DEATH. THE CAR SHOULD HAVE BEEN PAID OFF AND GIVEN TO THE BENEFICIARY. I AM THE BENEFICIARY. THEY NEVER ONCE CONTACTED ME AFTER REPOSSESSING THE CAR. I WAS UNABLE TO CONTACT THEM. THEY NEED TO SEND ME THE CAR OR PAY ME THE DIFFERENCE OF {$20000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: Experian Information Solutions Inc.
State: IL
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:
The three accounts below have a wrong balance. 


1. XXXX  XXXX XXXX XXXX {$120.00} {$300.00} 41 % Revolving Current XX/XX/2017 2. XXXX XXXX   XXXX {$140.00} {$200.00} 72 % Revolving Current XX/XX/2017 3. XXXX XXXX XXXX XXXX XXXX {$190.00} {$200.00} 100 % Revolving Current XX/XX/2017

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