BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
XXXX {$1600.00} I challenge the accuracy, compliance and reportability of this listing. 
There is no valid claim ... account was settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX  or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2023-02-10
Company: MoneyLion Inc.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My bank money lion/roar money banking is my current bank Im using. I had both my state and federal return direct deposited into my account. My state went through just fine but when my federal that was about XXXX deposited they locked my entire account. I called the customer service to see what I could do and they said I needed to get a notarized statement from the irs along with a copy of the irss state issued id card saying that was the correct amount. After calling the irs they said it was impossible they dont do that and that the deposit is coded so the bank shouldnt have had a problem with it. I returned to calling my bank and then just repeating there was a specialized team handling it that they refused to let me speak to. I asked to just have them refuse the deposit and close my account and they said they couldnt do that even though in their contract that I signed when opening the account stated I could at any time for any reason. This bank is refusing to resolve the problem and holding on to all my money not just the suspicious deposit for an unknown amount of time. I would please like help with this situation and honestly would like to suggest this bank establishment be investigated as a whole. I have video evidence of the way they were talking to me and refusing to help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/XXXX, I submitted disputes to Equifax, XXXX, XXXX to verify accounts that weren't mine on my credit report. I submitted proof of identification that includes social security card, my driver license and bank statement ( with a void check ). Its over 30 days and i havent received any status updates or corrections. Can you please assist me in this matters. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: KY
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:
My name is XXXX XXXX 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 explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: NV
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any item or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-12-31
Company: Experian Information Solutions Inc.
State: IL
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/18, I submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ), the complaint number is XXXX. 

On XX/XX/18, I received an email from the CFPB advising Experian responded stating they were working on the issue. 

On XX/XX/18, I received confusing correspondence from Experian ( attachment # 6 ) ; the document does not address the issue raised in Complaint # XXXX. 

As XX/XX/18, my Experian generated report reflects the same issues noted in the original complaint submitted on XX/XX/18 ( attachment # 7 ).

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 2019-09-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, 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 checked my personal credit report, which I acquired from your organization on XX/XX/XXXX. I noticed that, unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround, stating that they cant petition for them to be removed. I asked them multiple times to remove their inquiry from my credit profile. By law per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 
Equifax Mortgage XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: E*TRADE BANK
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
*** I have had a freeze on all three credit reporting agencies for just over one year XXXX On or about XX/XX/2021, I received a packet in the mail from E*Trade in a solid green plastic envelope. Out of curiosity I opened the packet to find checks, deposit slips, check register, and check book cover. My full name and address were on the checks/deposit slips. I DID NOT REQUEST A CHECKING ACCOUNT FROM E*TRADE! I called E*Trade using a phone number I found on their website and explained the above. He asked for my name and account number - which I gave him. He then asked for my social security number - I gave him no other personal identifying information. The representative offered no information as to how or who created the account. He said he would immediately close the account ; they would research the creation of the account ; and send me a letter with their findings. I received a letter from E*Trade on XX/XX/2021. This letter shows the last 4 digits of the account, and is addressed in my first and last name and current address. The letter states, " E*Trade Bank has decided to exercise its discretion to close the above referenced account. '' NO EXPLANATION OF ANY KIND. The final paragraph states if I did not recently open an account at E*Trade to consider several of eight different options ; i.e. complete a notarized affidavit of identify theft at ftc.gov ; file a police report ; etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have gone so far in proving to you that I am a victim of identity theft to the point that I have already called the furnisher and guess what? They have agreed to DELETE the accounts so why dont you delete them now? I have forwarded to them my FTC just like what I did to your agency and they are aware of the misleading information on my report. I need you to do your job as well just like the creditor did. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. PLEASE DELETE these accounts below 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 2023-01-08
Company: Experian Information Solutions 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:
In the accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

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 2018-08-23
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I assume no monetary responsibility for this alleged debt. Be advised this is not a refusal to pay, but a notice that your claim is hereby disputed and validation is requested. THE DEBT IS NOT MINES. 

On XX/XX/2018 I requested validation of this debt per Texas Finance Code and to be provide with : 1 ) Original Agreement that bears the HANDWRITTEN signature and/or ESIGN digital signature ID number of the alleged debtor wherein he/she agreed to pay the creditor.

2 ) The name and address of the original creditor 3 ) The original date of default or non-payment of the debt with original creditor 4 ) The date the debt was transferred from the original creditor to the third-party debt collector 5 ) The original balance 6 ) The current balance 7 ) Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) 8 ) Texas Surety bond information as required by Sec. 392.101 9 ) Agreement with your client that grants you the authority to collect on this alleged debt. 
10 ) Any insurance claims been made by any creditor regarding this account.

11 ) Verification that this debt was assigned or sold to collector.

12 ) Complete accounting of alleged debt.

13 ) Commission for debt collector if collection efforts are successful As of date, Ad Astra has NOT provided the above documentation and continues to violate Texas law.

On 7/10/2018 i received fake Loan Documents with my name typed in on the signature line and and Open End Loan History that did not support the amount they are try to collect ( see attached ).

I did NOT receive a loan for {$860.00} from XXXX XXXX or Ad Astra Recovery.

Per the documents provided, the documentation shows NO evidence of a {$860.00} loan was funded to me. The Open End History documents clearly indicates that {$380.00} was funded and {$470.00} was paid directly by me ( Allegedly ).

Not {$1200.00} or {$860.00}. Ad Astra is tacking on their own collection fees and lying about it. Also, there is no loan number for the alleged {$860.00} loan.

Again I assume no monetary responsibility of this alleged debt however, due to their own evidence the loan funded was PAID.

AD Astra is breaking countless federal laws and Texas laws regarding the collection and reporting of this debt. I intended to exercise my right to the fullest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: EQUIFAX, INC.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX This account has never been late ...

grave errorsfalse claims and reportingI want the late payments on this account removed immediately or litigatio

n may follow Please validate this information and provide me with copies of any documentation and names of verifiers associated with this account. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX   or any means of automated verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Midland Credit Management, Account number XXXX, Contacted me via mail regarding to attempt to collect debt. I agreed to pay XXXX XXXX Bank before they sold the debt to XXXX but there were miscommunication and misunderstanding with XXXX XXXX Bank. I do no agree to pay XXXX and debt owed to them as they will not remove the collection now placed on my credit report. Please help me remove this collection debt placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: Navient Solutions, LLC.
State: CA
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:
Navient is claiming that I did not fill out an income based application, which I did. I filled out the application in XXXX 2019. As a result, my account has been assessed with fees and they refuse to acknowledge that I sent in my application. 

The income based repayment program grants consumers lower payment options and relieves consumers of their debt after twenty five years. I believe that Navient claims that they have " misplaced or loss '' the filled out application not only to add fees to consumer accounts but to ensure that the clock does not start on the consumer being able to relieve their debt in twenty five years. 

I filled out an application in XXXX 2019 that was accepted and approved by Navient. However, they have claimed that they do not have it and even if I send them the completed application they agreed to, that it is no guarantee that my account would be back dated to the date of the application. This is unfair and it seems illegal since the application is a legally binding document.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2018, TransUnion received my request to delete an item from my credit report from XXXX XXXX for {$260.00} regarding a medical collection because they did not successfully validate the debt within 30 days. In conjunction with this dispute, Collection agency may have committed a possible HIPAA violation in that theyve directly sent me a copy of medical records but there is no proof of a HIPAA release form with my signature or any proof the agency is a Business Associate which I specifically, addressed and requested from collector. Later in the investigation, I also researched and contacted alleged original creditor and the entity stated the debt was sold and not assigned, therefore, if the collector isn't representing the original creditor, they are not considered Business Associates and don't have the right to protected health information. Furthermore, TransUnion did not complete an independent investigation of the matter which is required by FCRA. The company simply sent an XXXX statement that the account is accurate directly from the collector. In terms of violations already committed, the collector never entered a notation on the account the item was disputed and never ceased collection activity during the validation process, and neither did TransUnion when I disputed them directly and they also falsified an " in dispute '' notation when I received the dispute results dated XX/XX/2018 ( I have a copy of my Credit Report over that time period, " In Dispute '' is not in comments section that day or any other day of the dispute process ). Also, in its investigation, TransUnion claimed to have updated my name in which they falsified my correct name on the credit report. Concluding, TransUnion did not handle this correctly, they did not conduct an independent investigation and when confronted with violation committed by the collector, my rights were not protected, and I have physical records as proof.

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 2023-06-16
Company: EQUIFAX, INC.
State: CT
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:
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 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 response to consumer: Closed with non-monetary relief