BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

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 2023-12-14
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was reviewing my credit report and came across an unfamiliar account XXXX XXXX XXXX XXXX  This is not my account, this is a fraud account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Reference XXXX I reject your offer to contract. I did not consent to any nonaffiliated third party being in possession of my nonpublic personal information. This is a notice to cease and desist all communication resulting from this alleged debt. I am not requesting validation of any alleged debt as obtaining nonpublic personal information without my lawful authority constitutes aggravated identity theft 18 USC 1028A. The balance reflects an extension of credit. The collection of this extension of credit would be a violation of the false claims act. I would like the name and address of the original creditor as I have reason to believe that you both are conspiring to collect on this extension of credit through unlawful extortionate means. If there is any attempt to engage in any further collection activity on this extension of credit such as the furnishing of false credit information to the credit reporting agencies, I will file suit for intentional infliction of emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
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:
My credit report has a name on it similar to mine but is not me, also this same name has been reported with an account that is not mine. I never done business with this company nor have I given permission to anyone or company to open 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 explanation
Consumer complaint received 2017-02-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This company is illegally reinserting previously deleted items that were inaccurate on my credit file. They did not investigate the proper items I requested, but instead decided to reinsert not within the proper time frame allowed by law, and they did not notify me of doing so. They are also blocking my credit file from any government agency, and 3rd party and sight that it is for " credit file integrity, '' which under no statue of the FCRA does it state that they have the legal standing to do so. I would also request that they pull my credit file out of the office of consumer affairs because once again there is not legal standing for which they are holding my credit file hostage. I have spoken to my local states attorney and this is not resolved in an amicable way, My next correspondence will be coming from the circuit court in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: DISCOVER BANK
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XXXX  XX/XX/23 about XXXX XXXX my husband recieved a voicemail on his phone saying that the message was intended for us. ( Said our names ) saying that documents will be going out to our address needing signatures from both of us. ( My husband and myself ) to please contact issuing firm immediately at XXXX reference case # XXXX. This is very time sensitive as well as urgent. Said our names again and that we have been notified. 
I immediately called the number and a man named XXXX answered and gave his name. I asked whose number I was calling as he did not give name of the law firm. Told us he was collecting a debt from Discover from XXXX. Gave an amount in excess of {$4000.00}. He said he was sending documents to take us to court to collect balance owed. We told him we had not received anything in the mail regarding this. He said it was sent in XXXX and it couldn't be helped since we didn't respond and make restitution. He said the address of our property and asked if that was us and that we lived there XXXX  years, right? We said it's our address, but we've only had the property for XXXX  years. He even gave an address that my husband lived in before we were married, but he hasn't lived there for XXXX  years. He said the were taking us to court to get the monies owed. That the only thing we could do to stop it is pay in full. We told him we didn't have that kind of money, he said that wasn't his problem. He had to do what he had to do. Then he said let me talk to my supervisor for you. When his supervisor got on the phone he was very belligerent and yelling that it was our debt and we had to pay it. 
We got disconnected, so I called back and got XXXX again. He said I had to make a decision about what I was going to do because he had to send the papers in in XXXX hours. I told him I was too stressed and couldn't think. He said he would give me until XXXX XXXX XXXX time to call him back. Otherwise he was sending the papers in. 
When I hung up I called our attorneys office. When I told her everything, she said she thought it was a SCAM and not to call him back. I gave her the phone number I called, and told her they never gave the law firms name. She tried to check who the number belonged to, but could find no information on them. She was leaving the office for the weekend, but would look into it on XXXX. I have not called them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Grain Technology, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I have been unable to access my grain technology account for about 6 weeks or so. 
grain technology is a digital credit card that works with your current bank account. 

the issue started on XX/XX/XXXX after calling and not being able to get in touch with anyone. 
I sent my first e-mail on XX/XX/XXXX to grain support I've attempted to call several times to speak to someone about me being locked out of my grain account. I've left messages detailing the urgency of someone getting back to me. 

I've emailed periodically detailing that I am in the process of buying a house and wanted to pay my bill in full fearing that my credit utilization would get too high and hurt my credit score. all I keep getting is an automated email saying someone will contact me in 2 days and grain never does. 

still not have been able to speak to someone from grain.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I opened Capital One account in the morning of XX/XX/XXXX by visiting one of your locations in XXXX, MA. In the evening of the same day I attempted to link an external bank account to my Capital One account and was not able to do so. 

I telephoned Capital One to inquire about the problem and learned the following things : 1. The combination of my name and my phone number was not stored in some Capital One internal database and therefore Capital One, as I was informed by one of your associates named XXXX XXXX XXXX. XXXX, MN that Capital One banking products and banking platform is not appropriate for customers like me. 

2. The same individual named XXXX, informed me that Capital One is only serving customers who can directly and effectively communicate with Capital One associates like XXXX over the phone in XXXX or XXXX. Capital One refuses to serve customers who can not effectively communicate in XXXX or XXXX and prohibits the use of interpreters when communicating with Capital One. 

3. When I contacted Capital One throuhg an XXXX language interpreter, Capital One blocked my account completely claiming that some sort of criminals possibly from a XXXX group associated my ethnicity was trying to break American banking system. 

None of the requirements that a ) my name and phone number should be listed in an internal proprietory Capital One database or a database of one of its business partners, and b ) Capital One must have an ability to communicate effectively and directly with the customers in XXXX or XXXX, are listed in Capital One 's disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: GOLDMAN SACHS BANK USA
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: Account information incorrect

Complaint:
Opened a credit card with Apple at the Goldman Sachs Bank. 
Decided I don't want it paid off the amount in full and cancelled the card on XX/XX/2021. 
To date Goldman Sachs bank has not provided the necessary information to all the credit reporting companies with the correct information and my balance which was paid in full is shown on my credit as not paid. I have had numerous phone calls to the bank with nothing but excuses. I have disputed the problem with XXXX  but they have no resolve with the bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: EQUIFAX, 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:
Under the FCRA 15 U.S.C & 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the inquires listed below within 30 days of the receipt of this letter, you must remove these inquiries from my credit report. 


Name Of Inquires : Account Provide Physical Proof Verification : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Ascendium Education Group
State: AZ
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:
Upon review of my credit report in XX/XX/XXXX it was brought to my attention there was several accounts that reported negatively that needed my attention. A separate account owned by, Ascendium, aka XXXX XXXX XXXX, aka USA Funds, aka XXXX XXXX XXXX, aka XXXX owned two of these accounts. I sent a original certified and notarized letter requesting validity on the alleged debt in XX/XX/XXXX to what was XXXX XXXX XXXX, and requested items be deleted per my report if validity not received in the allowed time frame.I did not receive a response letter at any point. I then received a second bill in the end of XX/XX/XXXX as well as the Agency continued to report to all three major credit bureaus on my behalf and also was at this point referencing to themselves as Ascendium education solutions Inc fka USA Funds I sent a second request for validity XX/XX/XXXX I received a response letter from Ascendium Education Solutions Inc C/O XXXX stating they are " unable to verify '' and requested more information, requesting additionally social security number and date of birth as well as other information that was provided originally to them already it is my understand of the Fair credit Act that I do not have to provide my date of birth or social security number to them as them are simply trying to verify this is my debt, to collect.I then sent a third certified, and notorized letter requesting a validity including my date of birth XX/XX/XXXX.I have not received a response from any of all of the above referenced collection agencies as of today 5 months since original dispute.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2023 I made a XXXX payment to what I thought was a legit company. Turns out it wasn't. Called my ( TD ) bank and they said they'd refund me 5-7 days but they didn't. Called today and they said claim was denied. They should have told me that day 1, instead of lie to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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:
Over the past 1 year, I have been dillegently demanding proper validations of the following accounts : *XXXX  XXXX XXXX XXXX * XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXX I have NOT been provided the mandatory validations of these accounts which includes : * Signed and dated contracts from the above mentioned accounts * locations where these accounts were allegedly opened, representative name and contact information who opened these accounts * complete account numbers * account balances, opened closed dates These allegations are damaging my credit and causing me distress and loss of employment due to its adverse affects. 
I am a victim of identity theft in addition. 

This bureau is violating : * FCRA 611 ( 15 U.S.C. 1681 ) * FCRA 623 ( a ) ( 7 ) *FCRA section 1681c *FCRA 611 ( 5 ) ( a ) * FCRA 609 ( a ) ( 1 ) ( A ) * section 611 ( a ) ( 1 ) ( A ) I demand that these accounts be deleted immediately. Otherwise I will have no chose but to persue legal action immediately under ( Section 616 & 617 ) if you fail to comply with the FCRA. 

I have several receipts for my USPS certified mailed, notarized affadavits to this bureau demanding complete validation of these allaged accounts as well as stated that I am a victim of identity theft and that these are not my accounts. 

They have refused to validate or delete these adverse accounts/late payments from my reports. 

You are required to have a copy of the original creditors documentation on file, according to the FCRA. 

Simply sending me a generic response stating " account updated '' is not validation. 

Signed, Distressed Consumer, 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 2023-12-15
Company: EQUIFAX, INC.
State: NJ
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:
XXXX recently ( in XX/XX/2023 ) closed a New York and XXXX account when they did not have a permissible purpose to check my report. They tried to justify their violation of the FCRA by saying there were other negative accounts on the credit report. XXXX is now under obligation to provide evidence that these non-XXXX accounts are " valid '' and that these accounts caused harm to XXXX otherwise I will commence litigation against XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2019-11-03
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In early XX/XX/XXXX, I filed a complaint against Navient because they refused to lower my monthly payments, even though my wife and I both have student loans to pay back and we have other bills we have to pay. Navient responded a few weeks ago, stating that they could not lower my payment and the calculations are correct that my monthly payment is around {$270.00}. I went to pay my student loan for this month, and my payment is now up to over {$300.00}. This is absolutely unacceptable and ridiculous. They swear up and down that the calculations are correct, and yet they raised the payment amount. This is fraudulent and criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: MOHELA
State: FL
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:
MOHELA does not respond to phone calls, portal messages, and sent me 4 letters stating I do not qualify for PSLF because my government and nonprofit employers are really FOR PROFIT employers which is false. I'm VERY close to forgiveness so I guess they really want me to file a lawsuit. MOHELA must fix these issues and illegal practices immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Flagstar Bank, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was selling an item in a private XXXX group. I had an interested buyer who called me via XXXX XXXX. We were making the transaction through XXXX. The gentleman sent a screen shot of the payment he claimed to make. I didn't receive the payment to my XXXX account. I then received an email from what appeared to be XXXX. It was very authentic. It stated the gentleman needed to deposit more money because he had a business account and that I needed to update my account. Another email followed stating I needed to deposit {$300.00} in order for the {$250.00} would be released to me. It all seemed strange because I'd used XXXX many times but again, the emails looked extremely authentic. The entire time the gentleman was on the phone with me. He sent another screen shot of an amount he claimed he was told deposit. I did deposit the {$300.00} and received an email from XXXX stating it had been received however, I still had not received the money I was owed. A fee minutes later another email comes through stating that I needed to deposit more money at this point I knew something wasn't right. I told the gentleman I would call my bank to figure this out. I hung up on the gentleman and I called my bank and I was told I had been scammed. We tried to reverse the payment but couldn't. My bank then connected me to the fraud department. I told them what happened and that I had all emails and messages from the gentleman. The entire time he kept trying to call me and and has still sends messages. I received a letter today from my bank stating that there was nothing they could do and that my case had been resolved. I called my bank for answers. I was told because it was authorized even though it was a scam l, they were not responsible. I told them that XXXX is used through the bank and the scammed clearly have some knowledge of XXXX and have pretty authentic emails that appear to come from XXXX. The Customer Service representative told me I should be thankful that it was ONLY {$300.00} when other customers have lost thousands!

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 2020-10-20
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
SEQUIUM ASSET SOLUTION {$2800.00} This debt is fraudulent, I let the company know that I am a victim of identity theft and I requested information from the company that shows my signature that I open this account, was only provided with a statement. I did not apply with this company nor the company they are collecting a debt for. I have received several messages/ phone calls from their company trying to collect this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation