BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have paid credit repair agencies for years and have contacted XXXX  transunion and XXXX  myself and always an auto-generated letter is sent back without ever validating that this is not mine. I have sent police report and letters and so much different verifying documents and all that is returned is that it was not food enough information. Multiple accounts are not mine multiple inquiries are not mine, myself and my family have had to suffer in so many different ways because of this.

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 2022-12-09
Company: WAKEFIELD & ASSOCIATES, INC.
State: MS
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 XXXX Account # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 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 payment on a credit card account under an open-end consumer credit plan as late for purpose. 

I received a bill from WAKEFIELD AND ASSOCI and as allowable under the Fair Debt Collections Practices Act. I am requesting validation of the alleged debt. I am aware that there is debt from WAKEFIELD AND ASSOCI but I am unaware of the amount due and this bill does not include a detailed breakdown of any fees, and I do not recognized who this is affiliated with.

Furthermore, I am allowed under the HIPPA law ( Health Insurance Portablity and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to an unknown provider for them to release my medical information to a third party. I understand that the HIPPA does allow for limited information about me but any details may only be revealed with the patients authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 reached out to XXXX and Trans Union about account XXXX/XXXX Acct # XXXX. This account is Fraudulent and in the name of " XXXX XXXX '' ; my name is not " XXXX XXXX ''. 

XXXX nor Transunion has not responded by sending me an adequate description of the re-investigation process not did they send me copies of any documents proving that the account is not fraudulent. 

I also have submitted a Federal Trade Commission Fruad affidavit to XXXX and TransUnion, ( Please see the current Federal Trade Commission Affidavit. Please attach it to TransUnion as well. I added it because I forgot to add XXXX/XXXX Acct # XXXX to the Federal Trade Commission Fruad affidavit # XXXX attached to CFPB report # 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 2021-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have paid off all credit cards and those that were submitted to a collection agency. I have confirmation of all my payments, made copies and sent to all three credit reporting agencies. I also contacted my Attorney General State of CT and my file was sent your way. I checked my credit reports and still see open balances, collection activity happening and nothing has been updated. They claim to have done an investigation and nothing has been updated. This needs to be fixed as I know I am entitled to monetary damages.

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 2023-10-05
Company: SLM CORPORATION
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Im currently an airline pilot. Ive always wanted to be an airline pilot since I was a young. Its unfortunate companies will take advantage of our hopes and dreams to only capitalize and line their own pockets, while individuals like myself are stuck in a never ending compound of interest. My loan was originated in 2015 when I started flight school for XXXX. After finding employment with my airline and adding up my monthly salary, My minimum pay was simply too high. So I requested to restructure my loan into the variable rate I have now of 14 %! After 6 years of making my restructured payment I still owe a total of XXXX . This makes it virtually impossible to finish my repayment while making my minimum payments. I believe when we are young, we simply are so ambitious to start a new career and better ourselves and do not focus on the financial fallout that could potentially occur. This I believe Sallie Mae takes advantage of and benefits the most by getting people to sign a trap. which only one side is benefiting and unfortunately its not the individual trying to better their-self and make a better life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Fraud for {$22.00} ; XXXX on my Comdata card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: CO
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 submitted a complaint for the Bankruptcy on my credit report last XX/XX/2023. Last XX/XX/2023 I submitted a complaint for the FRAUDULENT items on my credit report but it was closed immediately. I submitted a complaint again last XX/XX/2023 and again it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ). This was my first time submitting a complaint for the FRAUDULENT items on my account. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: MN
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 these creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights under 15 usc 1681 sec 602 states I have the right to privacy. 15 usc section 604 a it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
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:
CAN YOU PLEASE PROVIDE DOCUMENTATION HOW YOU VERIFIED THESE ACCOUNTS ALSO WHO FROM YOUR COMPANY THAT CALLED TO VERIFY ALSO WHAT INDIVIDUAL FROM THE FOLLOWING COMPANY WHO YOUR EMPLOYEE SPOKE WITH TO VERIFY THESE ACCOUNTS PLEASE PROVIDE NAMES OF YOUR EMPLOYEE AND WHO THEY SPOKE ALSO THEIR TITLES WITH SAID COMPANIES BECAUSE I NEVER RECEIVED ANY HARD DOCUMENTATION PROVING YOU VERIFIED THESE ACCOUNTS YOU ARE VIOLATING FAIR CREDIT ACT AND FEDERAL LAWS SO PLEASE SEND DOCUMENTATION 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 2022-12-09
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 have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-02
Company: EQUIFAX, 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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$3500.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
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: Information belongs to someone else

Complaint:
I have notified both my local police department and the Federal Trade Commission by completing an identity theft report and sent a copy of all my documents to the following credit reporting agencies : Equifax - XXXX XXXX XXXX, XXXX, GA XXXX, XXXX - XXXX XXXX XXXX, XXXX, TX XXXX XXXX and XXXX - Fraud Victim Assistance Department XXXX XXXX XXXXXXXX XXXX, XXXX, PA XXXX 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 a number of days since I reported the theft, I have received an acknowledged receipt of my submitted documentation, yet the fraudulent items remain on my credit file. Your company is in violation of this law because I am a victim of identity theft. The items attached in the correspondence need to be deleted 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 Subject 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 Federally protected consumer. No consent is identity theft! As a consumer I am demanding the deletion of the accounts listed in my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XX/XX/2021 the amount XXXX put a Collection on my credit from a company that I have never done business with. Know contract has been provide with Signature no copy of ID or Soical Security Number provided. Per 609 of the Fair Credit Reporting Act. The Credit Reporting Agency can't provide me their method of verification and a copy of the Reporting Company signed contract between them and I before this account was Reported on Credit File the Reporting Agency must have a copy of the said documents on file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of anxiety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02
Company: AMERISAVE MORTGAGE CORPORATION
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I engaged Amerisave Mortgage, loan originator XXXX XXXX, in discussion about a home improvement loan to complete window and siding renovation to my home. MrXXXX XXXX guided me through the process of collecting various documents and disclosures and the need for an appraisal. I clearly made Mr. XXXX aware that this was to fund home improvements and NOT refinance an existing mortgage. Following an appraisal that Amerisave required by a Amerisave owned appraiser, I was told that the very improvements and repairs that I was looking for the loan to fund had to be made prior to loan closing ; which would negate my need for the loan in the first place. I was later told by sales mgr. XXXX XXXX ( sp? ), that Amerisave DOES NOT make home improvement loans in any way and only do refinances of existing mortgages of which I have none and that Mr. XXXX clearly knew all along despite getting numerous approvals from his manager. Mr. XXXX knowingly misrepresented their loan product. Their only 'resolution ' was to refund my appraisal cost.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: NJ
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 account and there are multiple inquiries I do not recognize XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Equifax Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, 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 recently received communication from XXXX, Equifax, and XXXX attempting to collect an alleged debt. 
I send a letter to XXXX, Equifax, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following XXXX. Name and address of Alleged creditor : XXXX. Name on file of alleged debtor : XXXX. Alleged Account # : XXXX. Address on file for alleged debtor : XXXX. Amount of alleged debt : XXXX. Date this alleged became payable : XXXX. Date of original charge off or delinquency : XXXX. Was this debt assigned to a debt collector or purchased? __ No ____Yes XXXX. Amount Paid if debt was purchased : XXXX. Commission for debt if collection efforts are successful : * Agreement with your client that grants XXXX, Equifax, and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector. 
* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * XXXX XXXX, Equifax, and XXXX never responded! 

Furthermore XXXX, Equifax, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that XXXX, Equifax, and XXXX is implementing itself. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore XXXX, Equifax, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. XXXX, Equifax, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21
Company: Revolut Technologies Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/2021 I sent a dispute for a transaction I made ( {$500.00} XX/XX/2021 ). I am disputing this transaction because I have not received the service I paid for. I got a partial refund. 
Since my dispute was sent I have not received any resolution from my bank XXXX. I was told many many time that I should be patient. But after 6 months no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have encountered a dispute with Portfolio Recovery Associates regarding an account with the following details : Account Number : [ Account Number ] Account Type : Debt Buyer Date Opened : [ Date Opened ] Collection Account : $ [ Collection Amount ] Original Balance : $ [ Original Balance ] On [ Date ], I noticed inaccurate information on my credit report, specifically related to the account listed above. The reported information does not align with my records, and I have reason to believe it is not in compliance with the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ). 

Despite my attempts to address this issue, no satisfactory resolution has been reached. I have taken the following actions : On [ Date ], I contacted Portfolio Recovery Associates via [ communication method ] to dispute the inaccuracies in the reported information. 

I provided documentation to support my dispute, including [ mention any supporting documents ]. 

I am seeking a prompt and accurate resolution to this matter in accordance with the FCRA. The accuracy of my credit report is of utmost importance to me, and I am prepared to take further steps as necessary to address this dispute. 

Please let me know how this issue can be resolved at your earliest convenience.

Company response to consumer: Closed with non-monetary relief