BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-10
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been struggling to make minimum payments on my loan since I first graduated school. I was mislead by my school about this loan they pressured me into, trying to get me to take out even more for living expenses despite me telling them no several times, and later found out I was being charged 16 % interest on my loan while I was in school, which was then capitalized on year after year. My loans are all sitting at around 12 % interest even after being told over and over on the phone that my interest rate would be lowered to .01 % if I made on time payments for 3 months. I made the payments for 3 years and got nothing in writing despite NUMEROUS requests, and no valid proof my loan interest rates were lowered. My school has now been sued ( XXXX XXXX XXXX ) and has agreed to cancel the student loan debt of students its been charged with lying to. I believe I qualify for that discharge but because of the private loan I was pressured into I have had a very difficult time getting any help with my loan. I now owe $ 56,000+ when I originally borrowed {$32000.00} and have paid around {$12000.00} since 2008. I am calling my lender and recording the call, I will advise them I am recording it and I would like to forward that call to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Recently I submitted a complaint with the Cfpb because I wasn't informed about an investigation with XXXX. During my Investigation, the inaccurate accounts were removed. Because when I went to look at my credit report on XX/XX/2022. I no longer had the collections on my XXXX credit report. Today XX/XX/2022. I viewed my credit report, and one of the negative accounts ( XXXX  ) has been returned to my credit report after filing my complaint with the Cfpb on XX/XX/2022. XXXX removed the negative items around XX/XX/XXXX to make it seem like they completed an Investigation. Since my complaint is closed and states, " Has been resolved. '' XXXX has added it back to my credit report. I do not trust these credit reporting agencies!!

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 2021-11-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent OFFICIAL NOTICE to EQUIFAX on multiple occasions that the account below is in litigation and should be immediately deleted from my credit profile. I have sent court letterhead documents with case number - XXXX - as evidence. 

EQUIFAX was notified to immediately CEASE reporting the litigated account below on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021 & XX/XX/2021. 

*** XXXX XXXX XXXX XXXX This account is in litigation. PLEASE DELETE *** XXXX XXXX XXXX XXXX XXXX XXXX Civil Action NO. XXXX commenced litigation on XX/XX/2021. 

EQUIFAX has refused to delete the account above which is currently in litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
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:
Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account saying that the information they gave is precise, with which I seriously disagree. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need the account corrected 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 2021-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous account reporting on 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 non-monetary relief
Consumer complaint received 2022-11-15
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 am a victim of Identity Theft and I am submitting this complaint regarding the fraudulent information I found in my reports. The following items are not affiliated with me nor I received any money, goods, or services as a result of identity theft or they authorized by me. The TransUnion, XXXX, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. In accordance with the Fair Credit Reporting Act section XXXX, I am requesting the Credit Reporting Agencies to remove the fraudulent accounts and information completely from my Credit File. Below are the items that are reporting on my Credit Reports : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CXXXX 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 XXXXXXXX Balance : {$580.00} XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXXXXXX XXXX XXXX Balance XXXX {$4500.00}. Also, I am going to request to the Credit Bureaus to send me copies of proof of verification or any documents bearing my signature to prove that the disputed items belong to me. In the event that the Credit Bureaus find not signed agreement, immediate removal of the disputed items will be greatly appreciated.

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 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
IT'S BEEN A LONG TIME, JUST TODAY I OPEN MY TRANSUNION CREDIT REPORT, I DO NOT KNOW WHERE THE HECK THIS NAMES OF COMPANIS OR INDIVIDUALES COMMING FROM, TRYING DO XXXX IN MY CREDIT TRY TO BE LUCKY TO USE MY CREDIT TO GET OR BUY SOMETHING, THIS SO MANY INQUIRIES, 90 % ARE FRAUDULENT ACTIVITIS, I SEND THE MESSAGE TO ALL CREDIT BUREAUS AND TO TRANSUNION SPECAL ATTN : THIS THINK MUST STOP, THIS ALL THREE CREDIT BUREAUS MUST USE BETTER TECNOLOGY TO PROTECT US FROM UNAUTHORIZED SELLES, COMPANIS SALESMANS, OR XXXXXXXX XXXX  HACKERS AND FRAUD COMITTERS, MUST, HAVE SPECIAL AUTORIZED COD NUMBER TO FILE A CREDIT ON OUR MAMES, IF THEY HAVE THE XXXX NUMBER, THEY C N'T CHECK THE CREDIT, UNLES WE AUTHORIZED WHEN THEY ASK AS PERMITION, SO WE GO AHEAD TO AUTHORIZE THEM TO GIVE THEM PERMITION TO CHECK OUR CREDIT, OTHERWISE THER IS NO WAY ANY ONE CAN CHECK WITHOUT ASKING, TEXTING CALLING US TO GIVE THEM GREEN LIGHT, TO KEEP OUR CREDIT SAFE FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, : THANK YOU FOR GIVING THIS ATTN ; TO ALL CREDIT BUREAUS TO ADD BETTER TECHNOLGY TO PRETACT US FROM CREDIT DESTROYERS AND CREDIT SCORE DESTROYERS XXXX XXXX XXXX I'M SURE WE HAVE A MUCH BETTER TECHNOLOGY TO FURNISH ALL 3 CREDIT BUREAUS TO PROTECT US CITIENS ASAP. THNK YOU SO MUCH C F P B FOR ACTING AND HELPING US ASP, I HOPE IT ; S SOON, BEFOR WE LOOS OUR CREDIT. THNKS AGAIN, C F P B. SICERELY FROM XXXX XXXX XXXXXXXX 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 2022-10-22
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I spoke with XXXX I spoke with another individual that told me his name was XXXX with a completely different voice. I talk to XXXX and someone that goes by the name of XXXX. On every occasion through emails or phone calls it's been a run around of the checks in the mail then I get an email saying oh well your accounts closed your money is safe we'll send a check out to you within 30 days all the while and ask them to expedite that to me or to transfer to an outside account and can not get nothing done with them they say they're going to do it and then I get an email stating that they didn't do it but that they're going to do it. XXXX was very unprofessional incompetent at a minimum regarding his job to help me as a banking customer all I kept doing was reading baseball off a screen or script stating what your accounts closed this that and this and it had nothing to do with the issues of them getting me my money. There's already fraud on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TrueAccord Corp.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
True Accord has violated my federally protected rights under the fdcpa. As a consumer I was never responsible nor obligated to pay a 3rd party debt collector.. I never gave true accord prior consent to contact me pursuant to 15 USC 1692g ( c ). You are now on Notice to cease and Desist communications from all mediums regarding all alleged debts from sezzle...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: EQUIFAX, INC.
State: MA
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:
Equifax has not resolved the incorrect late reporting of XX/XX/XXXX for mortgage account with XXXX XXXX XXXX. I have submitted an earlier investigation on XX/XX/XXXX with no change in reporting. I have just reopened another unnecessary investigation as XXXX has already acknowledged there was no late reporting on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: General Motors Financial Company, 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX, XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
I have always made my payments on time. For some reason, I realized that there were a late payment on my credit report. The confusing part for me is it doesnt reflect anything except XXXX, XXXX and XXXX  days past due. Ive never been behind on my payment. I tried contacting the XXXX, XXXX and XXXX Credit Bureaus and the account they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late on this account. Investigate properly and please update for 100 % accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: Early Warning Services, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On Friday, XX/XX/2021, at XXXX XXXX I answered a phone call at my business location, XXXX XXXX. The person had stated their name and that they worked for the electric company, XXXX XXXX, that provides my business with power. Speaking with me on the phone, he had explained to me that i was two month behind on my electric payments and if I don't pay automatically the company would come and shut it off. Considering weekends are my busiest time, I could not afford to have my power turned off, and that I needed to keep it running at all cost. The person on the phone reassured me and said he can help me set up a online mobile app that can automatically withdraw the amount needed to save my business. He walked me through a step by step process, creating this account through Zelle, that is compatible with my bank XXXX. When all was said and done, the amount was withdrawn from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2022-12-22
Company: Experian Information Solutions Inc.
State: LA
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 XXXX XXXX was looking at my credit report and saw that I had some inquiries that wasn't mines. I didn't give these companies permission to run my credit. I am a victim of identity theft please delete these accounts. XXXX XXXX XXXX XXXX inquiry date of XXXX, XXXX XXXX inquiry date of XXXX, XXXX XXXX inquiry date of XXXX, XXXX XXXX inquiry date of XXXX, XXXX XXXX inquiry date of XXXX, XXXX XXXX XXXX XXXX inquire date of XXXX, XXXX XXXX XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX inquire date of XXXX, XXXX XXXX inquire date of XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX inquire date XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquire XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquire XXXX XXXX XXXX XXXX XXXX Card inquire date of XXXX, XXXX Card inquire day of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-07-11
Company: BETHPAGE FEDERAL CREDIT UNION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
My name is XXXX XXXX i am using BETHPAGE secured CREDIT CARD XXXX when i open account they promise to me after year my card will be regular card automatic even i have proof of flyer advertisment which is fake advertisment some thime show double charges same trasaction charge payment twice my bill amount many time if i ask issue me refund no anyone take action only make me fool or provide diffrent phone number call there trasfer cals more then hour then finish they are small poor credit unioun greedy of money simply fraud with people now i understand why people like big brand banks they not respect of customer

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 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX XXXX Account number # 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 also states a consumer reporting agency can not furnish an account without my written consent.

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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX XXXX reported a fraudulent collection account from XXXX XXXX that was also reported by XXXX in XX/XX/2022. 

I have filed a dispute with XXXX and Transunion to have this file removed. My concern is that this has happened one year apart with two different companies for the XXXX fraudulent account. 

This lets me know that my information has been stolen, bought, and sold.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open an HSBC Advance Checking account on XX/XX/18. I was declined. I think I failed the Auth Interview questions. I tried multiple times to contact HSBC and see what could be done toverify my identity ( i.e. send in SS card and Driver 's License ). I was told to call my local branch, so I called the XXXX, DE branch who said they can't do anything to open the account with the same terms ( {$350.00} reward ) for opening it online. I am looking for someone competent at HSBC to assist me with opening this account and honoring the {$350.00} reward if I deposit {$10000.00} within 30 calendar days.

Company response to consumer: Closed with explanation