BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: FL
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 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 non-monetary relief
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
XXXX and Trans Union are ignoring my requests to investigate, verify and remove accounts from my consumer credit report/file that do not belong to me.

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 2022-05-13
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX posed as the attorney of TD Bank, U.S.A. , N.A . who engaged in misleading representation by filing a statement of small claim and notice without having prior consent to communicate with me the consumer in connection with a debt collection, a failure to comply pursuant to 12 CFR 1006.18 ( b ) ( 1 ) ( iii ) and 1006.6 ( b ). The company also engaged in unfair practices by bringing an unauthorized legal action to consumer attempting to collect an alleged debt of {$3600.00} plus {$100.00} in court costs, a failure to comply pursuant to 12 CFR 1006.18 ( c ) and 1006.22 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: CA
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 went to a dealership to purchase a vehicle, and the dealership informed me they will run my credit. I only approved one inquiry, but they ran multiple inquiries on my credit report without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Experian Information Solutions Inc.
State: PA
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 's Failure / Refusal to remove a Dismissed Bankruptcy from my file in violataton of Fair Credit Reporting Act Sec.1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or order of relief. Any case civil or otherwise, which is dismissed no longer exist in the eyes of the law and the case filed has never been adjucated. Therfore, XXXX / XXXX XXXX ( Reverification Company ) has no right to maintain information which the government has deemed non existent. Once again, pursuant to Sec. 1681c ( a ) ( 5 ) of the FCRA, XXXX must delete this information from my report and send me an updated copy when this correction is completed, XXXX must stop depending on XXXX XXXX for reverification of false / incorrect information that is in clear violation of the FDCPA. Additional Complaints are being filed, by me on XXXX XXXX & XXXX with the BBB. This also being reported to Experian in the same manner. XXXX XXXX is knowingly abusing the law and has incorrectly re verified this information at least five times. XXXX XXXX attempts to justify their actions by incorrectly stating that a non appearance for a 341 hearing that results in a dismissal is an adjudication. XXXX needlessly reinvestigated the file ( multiple times ) after being informed of the exact Section of law and blindly accepts XXXX XXXX 's abuse of the FCRA Law.

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 2023-11-08
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been paying g {$200.00} a week to Mohela starting XX/XX/. This amount continued when repayments started up last month. Starting in XXXX, I added {$65.00} to the last week of the month to meet the monthly minimum of {$850.00}. 
When the payment period ended and the end of last month, the Mohela website showed an outstanding balance of over {$700.00} even though I had paid {$860.00} last month. Their system shows that they recieved the payments, and I recieved email confirmation for each one. I sent a message through their website as they did not have an email on XX/XX/ asking why this was. The only response I recieved was a link to make a payment. I tried calling them on XXXX and waited on hold for XXXX hours without receiving any assistance. 
I sent an additional message about this issue on XX/XX/ and still have not heard back from Mohela. 
It is worth noting that I did not recieve a XXXX billing notice until XX/XX/ I'm not sure what else to do. I have been paying every week and I do not want to be harassed by debt collectors or be charged a late fee for money I've already paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The resolution to this issue is that is either the bank should reopening your Acct and have access to the funds in it or better still close the Acct and send you a check of the total balances in the Acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
in XX/XX/XXXX i cancelled a transaction for {XXXX} and i was refunded my money. 

On XX/XX/XXXX, Paypal charged me again for this {$XXXX}. I send them a letter to the address below and they have not replied. : PayPal, Inc XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX www.paypal.com XXXX I did not authorize them to charge me again. i am XXXX with medical conditions. I have not left the house in 3 months.

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-09-05
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
In XXXX XXXX XXXX sold our morygage to XXXX. Rushmore became our servicer, and our nightmare began. XXXX XXXX XXXX XXXX XXXX XXXX Rushmore is trying to destroy us. They started by saying we werep behaind XXXX to XXXX.payments. We were not. I did send them the documents they asked for proof, but they never acknowledged the payments. They made it nearly impossible to make our payments. We set up an online account, but Rishmore would not allow us accessss to it. On XX/XX/XXXX, my husband got an email saying we qualified for a modification. We could download the agwreement never came. We are still figjting ez them.Now, they are trying to forces us to a short sale.. Rushmore cares only about money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
have disputed the student loan account with Experian regarding XXXX XXXX XXXX XXXX XXXX. They wont give me a concrete response why they say its verified and the account is accurate when its definitely not.. Payments were reduced, student loan is in forbearance. Please delete it from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 sent disputes to the credit bureau regarding accounts reporting that I have no record nor recollection of I also reached out to the company for debt validation. I have not received information validating the debt nor have the accounts been removed from my credit report. Furthermore, these disputes went over the 30 days that is allowed and should have been removed. My FTC report has also been ignored and accounts not properly researched that was apart of my FTC filing due to fraud. I lost my wallet and all identifying information and have been battling incorrect information on my credit report since.

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm filing this complaint in response to a credit report notification. The reported files are false and incorrect, which is having a bad effect on my credit report. The following information on the credit report is false, and I'm sending proof with this letter to prove it. 
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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-05
Company: Revolut Technologies Inc.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On Saturday XXXX of XXXX Revolut have send me a notification to say more account is frozen and I need to provide proof of income I have provided payslips and bank statements. I then told them Im preforming at XXXX in XXXX this year that I need my money to have a good time. Also I need my money as Im travelling home the next day. They told me this problem will be resolved and Ill be able to access my account by the end of the day. There was a bit of back and forward until late that night. 

Sunday the XXXX of XXXX I have asked multiple times for an update as I need to get home Im stuck in XXXX and Im from XXXX they did not care kept saying sorry this could take up to 21 days. I told them I have not eat and I need to go home. I explained this for the whole day. I had to beg for 7 to get a bus this was very degrading and it really looks bad on my character as I do social media. They did not listen i talked to bots all day and was filled with trash. 

Over the last day or so I have told them I need this money to go to work get food and pay bills but yet they still wont help Im willing to work with them for whatever my account was flagged for but even at that they wont tell me why my account was frozen

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Law Offices Howard Lee Schiff, P.C.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX Law Offices Howard Lee Schiff, PC posed as the attorney of XXXX XXXX XXXX XXXX  XXXX XXXX who engaged in misleading representation by filing a statement of small claim and notice without having prior consent to communicate with me the consumer in connection with a debt collection, a failure to comply pursuant to 12 CFR 1006.18 ( b ) ( 1 ) ( iii ) and 1006.6 ( b ). The company also engaged in unfair practices by bringing an unauthorized legal action to consumer attempting to collect an alleged debt of {$3600.00} plus {$100.00} in court costs, a failure to comply pursuant to 12 CFR 1006.18 ( c ) and 1006.22 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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'm filing this complaint in response to a credit report notification. The reported files are false and incorrect, which is having a bad effect on my credit report. The following information on the credit report is false, and I'm sending proof with this letter to prove it. 
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 2020-04-14
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
XX/XX/2020 - XX/XX/2020 American Express Serve Card Stimulus check was direct deposited {$1200.00} 1. I am unable to access the funds since the Serve card I have was never activated. 
2. I ended up not getting a tax refund last year, so I never activated the card. I tried to activate the card via website and either the website was down, or it said it didn't recognize the card. I tried to activate it via telephone and the automated service stated I needed to verify my email from an email that was sent to me. I have no such email, so I'm not able to verify my email address.

3. I have tried to call customer service over 100 times and I either get a busy signal, get cut off when it says it's sending me to a CS rep or cuts me off after I wait for 2-3 hours. I have yet to speak to a human being. 
4. They have my funds and I have no access to them.

5. I am laid off from work and need access to these funds just like everyone else.

6. Customer service is no existent. I feel there is something shady happening with people 's stimulus checks and Amex Serve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hi, I have a lot of addresses that report on my credit, I wanted to get some help from you guys to get identify those addresses I never applied for. Those things reporting on my credit been affecting me. Because I have two credit card attached to one of those addresses that's not even mine. I'm reporting this so I can get a report to forward it to Experian so they can remove it from my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: OH
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 an alleged fraud or extortion. 
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 explanation
Consumer complaint received 2019-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am writing to request that the extended fraud alerts and security freezes be removed from my credit reports. I am trying to see if I am eligible to receive financial for a emergency medical procedure. Having the above mentioned placed on my credit reports has been a major inconvenience. Can you please removed it as soon as possible. Thank you.

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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 have inquiries on my report that do not belong to me

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 2022-05-13
Company: Navient Solutions, LLC.
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: Investigation took more than 30 days

Complaint:
XXXX  is in violation of California 's Unfair Competition Law and False Advertising Law by putting my loans in costly forbearance and failing to let me know the benefits of an income driven repayment plan. I am one of the XXXX borrowers that must have their loans XXXX, removed, and deleted from all of my credit reports. XXXX, XXXX, and XXXX is indirectly in VIOLATION of the California 's Unfair Competition Law and False Advertising Law because they are allowing NAVIENT to put report information that must be removed due to the settlement. 

I want XXXX, XXXX, and XXXX to BLOCK all Navient accounts IMMEDIATELY so it does not report on my credit report until the investigation is complete. Before the investigation, I want this account removed completely, if you cant delete before the investigation then delete it after 15 days from today or no more than 24 hours after the investigation is complete. 


XXXX XXXX

Company response to consumer: Closed with explanation