BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
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:
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 XXXX XXXX Account Number : XXXX 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 2021-03-20
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent my first letter to the company complaining about false information on my credit report on XX/XX/XXXX, it has now been well over 30 days and I still haven't received no results. 

Accounts : XXXX Actions taking credit bureau is taking longer than 30 days.

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 2022-04-29
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2021-07-17
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: Personal information incorrect

Complaint:
XXXXXXXX XXXX XXXXXXXX and XXXX both let me know that Experion business was reporting the wrong address for my business. They told me in order for them to correct their reporting error. I would have to purchase their business credit report for {$40.00} then put in writing a request that it's incorrect. I should not have to spend my money to buy a product from them in order for them to correct their error. That is very unethical. 
My correct address for is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL 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 2023-04-10
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:
This is my second 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, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$560.00} 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 2022-12-17
Company: Kriya Capital, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my 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 2022-11-27
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My identity was compromised in XX/XX/XXXX and my banking information along with my SS # were stolen and subsequently used in three Truist banks in NC XXXX XXXX, XXXX and XXXX ). Four total transactions were completed totaling {$30000.00}. 
Two of the four transactions took place at the XXXX location with in few hours of each other. ( I am amazed that this didn't trigger a question or two from the banker ) One in XXXX and the last in XXXX NC. 
All transactions were targeting my equity line of credit. Two transactions were funneled through my checking account and the other two were direct withdrawals from my equity line. Truist did replenish the funds that were funneled through my checking account ( {$14000.00} ) within 24 hours of my complaint. However, the direct WDs from the equity line have not been resolved ( {$17000.00} ) includes one missed payment and interest. Apparently the direct WDs from the equity line require a different fraud complaint along with an affidavit. My local branch VP helped me complete the required documents and forwarded to the correct division within Truist on XX/XX/XXXX. 
Unfortunately, as of XX/XX/XXXX, Truist ( Equity Line Division ) has not confirm the acceptance of my Fraud complaint nor have they responded to my local branch when my equity account will be corrected. This has been the worst case of negligence involving a serious customer issue that I have ever experienced. I have received more information from the police detectives in each of the cities than Truist has offered. I have a right to know and I need your help to get the information I deserve. 
Best Regards

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 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT 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 explanation
Consumer complaint received 2020-07-06
Company: Experian Information Solutions Inc.
State: NC
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 previously sent three dispute letters to all three of the credit bureaus to remove all of the fraudulent accounts and some paid fraudulent accounts from my credit report, I showed them my lease verification along with addresses that I dispute with XXXX and they still have not removed these negative accounts despite the fact I showed these three credit bureaus that I've been living at XXXX XXXX XXXX XXXX North Carolina XXXX since 2005 I say that because all of these negative accounts are attached to addresses that I never lived at in XXXX North Carolina.

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 2021-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. Can you please send me information showing that these debts are actually mine? Because its complete FRAUD. If you take a look at my credit you would understand that I have never ever even dealt with this kind of debts. ITS IDENTITY THEFT, MY info is stolen and I need help. Please delete them investigate check whatever but I do not want to see them at all.

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 2018-09-13
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018 I was notified through my credit monitoring that I had a derogatory mark placed on all 3 of my credit reports. After viewing the account, I noticed Waypoint Resource Group had placed a collections account in the amount of {$200.00}.

I never received a Validation Letter to dispute this said account. So I called them directly and was told that it was my responsibility to contact the original creditor and validate my debt with them, which I believe is not my responsibility to do so, its the debt collectors.

I did research on Waypoint Resource Group on XXXX reviews and found that there is multiple people complaining about them just placing collection accounts without any notification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Upstart Holdings, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I was diagnosed with COVID 19 and out of work for a week beginning XX/XX/2023. I did not receive a full paycheck. 

I was recently diagnosed with XXXX XXXX and spent over a week in a XXXX XXXX XXXX. I called them to notify them of my situation on Friday XX/XX/XXXX and to see if there was any way to make a settlement or refinance the loan with a co-signer. I was told no one was available to discuss this option and I would be called back. I did not receive a call back. I called again on Monday XX/XX/XXXX and was left on hold and never was able to get anyone on the phone. I called again on Wednesday XX/XX/XXXX. I was told again there was no one available to take my call and that they would have someone call me back. This creditor has made no attempt to respond to my communications in reference to this loan. I am attempting to right my delinquency and have not been afforded the opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
PNC BANK HAS STOPPED SENDING ME STATEMENTS EFFECTIVE XX/XX/2018. I DID FILE BANKRUPTCY 7 YEARS AGO BUT NOT ON THEM. SPOKE TO SOMEONE FINALLY YESTERDAY THAT SAID THEY INSTALLED NEW SOFTWARE AND ANYONE IN BANKRUPTCY WILL NOT RECEIVE A STATEMENT. I TOLD THEM I NEVER FILED ON THEM. PNC SAID IT IS NOT LEGAL TO REQUEST PAYMENT ON A DEBIT ... ..ETC. I SAID BUT FOR 7 YEARS THE OLD SOFTWARE SENT ME STATEMENTS???? U TOOK MY MOMEY??? HE HAD NOTHING MORE TO SAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX  I deposited a check and a money order in the Bank of America ATM in XXXX, MO. ATM ID XXXX. The money order was {$640.00} and the check was {$22.00}. Later that day I saw the entire deposit wasn't credited on my online acct.. Went to Bank of America and spoke to a Teller. She said there was nothing they could do for me and that they would be mailing the money order back to me and then I could redeposit. A couple days later I received a letter from Bank of America stating the ATM deposit couldn't be deposited because it wa n't a valid check and that they would be mailing the item back to me in XXXX to 10 days. On XX/XX/XXXX  I called the number on my bank statement to inquire about the missing money order as instructed by the letter. ( reference # XXXX. ) The Bank of America representative told me they destroyed the money order and that there is nothing they could do to help me. They instructed me to tell the person that gave me the money order to have the money order payment stopped and reissue a money order. If they had returned the money order to me like they said they would I would have been able to redeposit the money. Since they destroyed it I'm out {$640.00} and XXXX, who issued the money order just made {$640.00}. What a joke. We are closing our accounts with Bank of America.

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 2022-10-14
Company: Navient Solutions, LLC.
State: MS
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:
Re : Navient Settlement XX/XX/XXXX My name is XXXX XXXX. I am requesting student loan debt cancellation. According to the https : XXXX I am a borrower whose debt spans generations : my mid-career student loan was applied for through XXXX XXXX XXXX XXXX. I was residing in the XXXX of Maryland when I applied and returned to Maryland after the 2 year XXXX XXXX was completed in XXXX. 
For years Navient failed me ( XXXX XXXX ) and consumers who counted on the company to help give us a fair chance to pay back our Student Loans. Consequentially, prior to and since the XXXX settlement resolution, the interest has accrued due to Navients forbearance steering practices. As a result, this borrowers loan balances has almost doubled from approximately {$50000.00} the original amount to approximately {$93000.00}. 
During the last 24 years, Navient has failed and or refused to disclose accurate information on loan forgiveness after XXXX years of qualifying payments. 
In a recent phone call to the Navient, the representative, misinformed this caller about loan forgiveness and placed this borrower on hold multiple times for XXXX minutes ; and refused to answer questions about the number of forbearances, income driven, deferment applications were filed from this borrower. The representative refused to disclose the number of payments received from this borrower, asking, whats the reason for the question. After being placed on hold for a long period, she answered that the total was approximately {$14000.00}. 

The conduct reforms imposed by the settlement include prohibitions on compensating customer service agents in a manner that incentivizes them to minimize time spent counseling borrowers. As result of said conduct during the aforementioned phone call, Navient has failed to adhere to the terms of the Settlement. After many, many phone calls it appears Navients guidelines for Loan Forgiveness are either impossible or Navient is not following the Settlement terms. As a result, Navient has impeded the timely process of applying for student loan forgiveness. 
Finally, this borrower, XXXX XXXX, did not receive any notification or information from the Servicing provider, Navient of the class action lawsuit settlement. Nor did XXXX XXXX receive a Post Card. 

What recourse is available now that I am well past the age of retirement having worked directly in Public Service positions and currently as a XXXX with XXXX. 
Thank you and I appreciate your consideration and assistance. 

Respectfully, XXXX XXXX, LMFT MA ( XXXX ) XXXX

Company response to consumer: Closed with explanation