BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2022-07-21
Company: EQUIFAX, INC.
State: GA
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:
To whom this may concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that i am not 100 percent sure if they are. I also read something called " The Fair Credit Reporting Act '' where it said law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me. I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts need to be deleted. Well, i want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a XXXX XXXX XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them I demand the following accounts be verified or removed immediately. 

NAME OF ACCOUNT XXXX XXXX XXXX ACCOUNT NUMBER XXXX NAME OF ACCOUNT XXXX ACCOUNT NUMBER XXXX NAME OF ACCOUNT XXXX XXXX ACCOUNT NUMBER XXXX In accordance with the fair Credit Report act Convergent 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 with my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: EQUIFAX, INC.
State: FL
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
We used our Citi MasterCard to pay for a cruise to celebrate our 40th anniversary. That transaction was on XX/XX/XXXX for {$7200.00} ( the remaining balance after a deposit of {$1500.00} charged to the card when the cruise was booked in XXXX ). This transaction appears on our XX/XX/XXXX credit card statement, which we paid on XX/XX/XXXX. 

We were notified by the cruise line on XX/XX/XXXX that the cruise was canceled and that they would refund the entire cost of the trip. We called Citi on XX/XX/XXXX to check our balance and the credit balance of {$8800.00} showed up, so we waited in queue a long time to speak to an agent to request a refund of that balance. We were told that it would take 10 days to get the refund. 

When we had not received the refund in 10 days, we called on XX/XX/XXXX seeking the status. We were told it was " in process '' but under a 3-day hold. When pressed as to why it was being " held '', we were told it was due to the amount of the refund and " banking regulation ''. When we asked for a citation for the " regulation '' we were told to go online to read their " terms and conditions ''. At this point we requested to speak to a supervisor. We spoke with XXXX who told us the hold was done by another " department '' but she assured us the refund would be done by XX/XX/XXXX and verified the bank routing number to use to do it by EFT. 

When we checked today, XX/XX/XXXX, the credit balance is still in our account. So we called Citi again and ended up speaking with XXXX, who said the refund is still " in process '' and when I requested to escalate to his supervisor he said there was nobody available who could do anything for me today and to give it another 48 hours to show up. 

Our complaint is : 1. The length of time it is taking to receive this refund ( or did take since it will likely have been received by the time CFPB processes this complaint ). 

2. Being told there is a " banking regulation '' that prevents faster refunds of credit balances.

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 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Know that the following inquiry was unauthorized. I have not reached out to this company nor inquired about anything. There must be something wrong with Transunion 's investigation which they should eventually correct. Please see the inquiry that is unfamiliar to me. 

XXXX Date of inquiry XX/XX/2020

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 2023-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
there's unauthorized and fraudulent charges on my credit report, these charges are Capital One card account number XXXX amount {$720.00}, date open XXXX is a charge off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2022-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I have asked several times to have the following address removed ; - XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX, FL. XXXX, This is a incorrect address and I would like it to be removed as soon as possible. 

Correct Address : - XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX  15 U.S.C 1681G, is the law that is being violated 15 U.S.C. 1692e, False or Misleading Representations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-15
Company: Resurgent Capital Services L.P.
State: VA
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:
LVNV Funding LLC sent a collection letter dated XX/XX/2020, postmarked XX/XX/2020, which I received XX/XX/2020 informing me of the debt. They proceeded to report the collection to XXXX  on XX/XX/2020, to XXXX  on XX/XX/2020 and to XXXX  on XX/XX/2020, well before the 30 days violating my FDCPA right to dispute this debt ( which I have requested and have not received anything back ). I'm now sending a new letter requesting they delete this information as I have not received their investigations results and it will be 30 days this week. Additionally, I receive collection emails requests from XXXX XXXX via email for the same account, and letters from Resurgent Capital Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: NC
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:
The following inquiries were unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with Experian 's investigation. I have already addressed this issue to Experian but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed : XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020

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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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 2020-08-20
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I previously contacted CFPB, regarding New Jersey class not notifying the credit bureaus that my Student LoanS have been paid. I have one final loan that needs to be paid to the debt collector they chosen to represent them. XXXX XXXX is the attorney used to collect the debt for New Jersey class. The attorneys XXXX XXXX does not report my payments to the credit bureau. New Jersey class has sent a notice saying that my final loan payment was late. If XXXX does not report to the credit bureaus how can New Jersey class say that my payment was late? My last loan payments are made monthly every month. I believe New Jersey class is retaliating against my filing a complaint against them. Theyre reporting my last loan payment as delinquent. If the account is in collections, and I making the payments every month, to XXXX XXXX, how can New Jersey class say the payment is late when they dont report to the credit bureau. This is a clear case of retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made a dispute with Chime Several of them actually as someone skimmed my card last year, ( XXXX and XXXX ) I got the Card replaced and all So Basically the Charges were like this XXXX -> This has not been refunded ( Ticket with Chime : XXXX then a second ticket was issued, I forget the name, for a series of XXXX " little '' ( XXXX XXXX XXXX total ) XXXX XXXX XXXX XXXX XXXX etc ( Fictitious because I cant remember, but all after the ORIGINAL problem of Every Small Charge that was charged over several days, was put into one dispute, and the big one was put into one dispute. The LARGER dispute was first. The smaller disputes were challenged and refunded to my account via the no liability clauses However Chime has not, and continues to not refund the XXXX and change My problem is this was XXXX of Last year, Every time I call them there's no way to reach the boss, or anything of their " Escalation and dispute department '' They keep saying they'll escalate it, and contact me within XXXX business days, I never get an email/phone call ANYTHING. 

I just wanted my money back, but mostly count it as a lost cause, just want to know what you all think?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 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.

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 2023-05-04
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:
This is my 10th 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, FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX Bankrupt XXXX Reference # : XXXX Date Filed/Reported XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX Balance XXXX {$190.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I received an identity theft notice from the IRS. Of the 3 reporting bureaus, Equifax has by far been the worst one deal with to try and place a security freeze on my credit report. I was able to complete my freeze requests online within minutes for both XXXX and XXXX, but Equifax ( which incidentally also breached all my data! ) has been a complete headache. I've had to call 4 different times to try and get access to freeze my account. My online account credentials won't work due to some sort of system issue on their side, and when i call to try get help, they send me through a useless password reset loop that doesn't resolve the problem. I was finally able to get the freeze set on the phone after multiple tries, but I anticipate another battle with their 'customer care ' team when I need to unfreeze my report at some point in the future since I can't get into my own account on their website, and no one seems to be able to help me. Horrible experience with their customer care team, especially since they should technically be better than all the rest now from a systems perspective after losing all my data!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
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:
Between XXXX and XXXX of XXXX, I sent several messages to Mohela via their online message feature requesting that in-school deferment status be removed from my account. Every response told me I needed to request in-school deferment removal in writing. On my final request, I asked to be directed to a form since none are listed on their website and noted that this was my third time requesting the removal in writing. On XX/XX/XXXX, I called Mohela and, after XXXX and a half hours, was told by a representative that the only way to permanently request the removal of in-school deferment is to call in, make the request, Mohela will XXXX send a form via USPS, and after sending it back, the deferment would be removed. I was told the form would be sent out immediately. On XXXX in the evening, I received several messages from Mohela stating my in-school deferment had been reinstated ( the exact opposite of what I was requesting ). On the next business day, XXXX I called Mohela and, after waiting XXXX hours on hold, was informed that the previous associate I spoke with entered the incorrect code and placed me back in deferment. 

Mohela does not have information anywhere on their website directing borrowers on how to request the permanent removal of in-school deferment status. I was only informed that there was a form after calling in and waiting hours to speak with a representative. Even after going through this process, the representative was able to enter a code and reinstate the deferment status without my consent and without my signature. 

Mohela offers several other forms via an electronic format, yet for some reason, this form must be sent via USPS, which only adds unnecessary delay.

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