BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX 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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 2023-05-23
Company: Self Financial Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am requesting ALL of my disclosures pursuant 15 usc 6802B that youve should have conspicuously disclosed to me before reporting of my non public personal information to non affiliated third parties ( XXXX, XXXX, XXXX. Cavers ) A financial institution may not disclose non public personal information to a non affiliated third party unless A, B, C was done. 
You did not properly give me my disclosures. 

I am exercising my right to opt of my information being reported pursuant 15 usc 6802b.

You actions has caused me and my family severe mental trauma, deformation of character You 15 usc 6801 you have an obligation to protect my information Have violated my consumer rights. My right to privacy and the obligation you have to maintain the security and confidentially of my private information.

15 U.S. Code 1681a - ( 2 ) Exclusions. States report containing information solely as to transactions or experiences between the consumer and the person making the report. A late payment in fact is a transaction or experience and the information youre sharing to non affiliated third parties like, XXXX, XXXX, XXXX is in fact supposed to be excluded from the consumer report. 
30-60 Days late.

Your actions amount to aggravated identity theft.

18 usc 1028A, As an consumer you have an obligation to respect the privacy of its customers to protect the security & confidently of those customers non public personal information.

18 usc 1028A - Aggravated identity theft Whoever knowingly Transfers, possess, or uses without lawful authority a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

Furthermore you have no lawful authority or permissible to put any accounts on my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Account Resolution Corporation
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a certified letter dated XXXX/XXXX/XXXX and my ask was. 

After viewing a copy of my credit report, I noticed a collection account placed on my credit from Account Resolution Corp opened on XXXX/XXXX/XXXX and reporting balance {$250.00}. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed break down of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 

Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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. 
XXXX XXXXXXXX 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 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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

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 2020-12-30
Company: Experian Information Solutions Inc.
State: NV
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 found out someone was using my personal info to open accounts in my name when I applied for a credit card for the first time in years as I have always used cash and rarely used my credit in over 8 years. I disputed all fraudulent items with the major credit bureaus and filed a police report and an identity theft report for everything that has happened. I did everything the credit bureaus asked me to do and still the items remain on my credit. I should not be held liable for accounts that I didn't authorize or open.

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 2018-05-24
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XX/XX/XXXX, I disputed information on the Experian report showing a derogatory by XXXX XXXX indicating they not been paid {$500.00} and that the account was charged off in XXXX and XX/XX/XXXX. 

I provided proof of payment provided by my bank XXXX XXXX and asked that the information be corrected. XXXX XXXX denied my request and furthermore updated the report to indicate the account was written off as of XX/XX/XXXX. In disbelief I disputed it again. Again I got the same result and XXXX XXXX charged the account off again, effective XX/XX/XXXX. So now the account which was originally charged off in XX/XX/XXXX was again charged off 2 more times in XXXX and XX/XX/XXXX and was now a negative on my report. In other words the account that was erroneously charged off in XX/XX/XXXXwas now maliciouly made to look like if was 2 recent charge offs. I called and wrote XXXX XXXX again and they refused to do anything about it and warned me that they would list it as a recent charge off everytime I disputed it. WOW. I called Experian and they told me they just report what they are told by the Financial institution and they couldn't do anthing about it. 

Please Help ... These guys are horrible!!!

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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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. 

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 bankruptcy dismissed XXXX XXXX XXXX bankruptcy discharged XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

1

5 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 2021-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received a statement from Capital One that was a month old. I had already paid my bill online, but called to find out where it had been for a month. I called the number on the back of my card and got a recording of an exuberant girl 's voice offering me a deal with Capital One ( {$100.00} gift card I had been chosen to get from WalMart ) Not interested, I hit XXXX and got a guy in XXXX who said his name was XXXX XXXX, He had a thick, foreign accent. He told me he could not transfer me to customer service until I listened to his read statement. I told him repeatedly to transfer me on ; I was not interested in a {$100.00} gift card for a a {$1.00} a month charge on my credit card. He just talked over me and began on his statement again. When I asked to speak to his supervisor, he told me he did not have one ; he could do what he wanted. He told me I could just hang up. Finally, I hung up, telling him I was filling an FTC report. I called again, and got someone in America named XXXX. He told me the bills had gone out the first week of XXXX and blamed the post office for my month late bill. He never heard of this WalMart gift card offer and put me through to their fraud alert division. This time I go t some one in XXXX who had a pretty good command of English. He claimed his name was XXXX. He never heard of the WalMart offer and seemed not at all concerned about some hacker trying to harvest credit card numbers and addresses. Is my account safe with Capital One? Who are all of these foreigners trying to get me to give them my information so I can get a {$100.00} gift card to WalMart? Why isn't Capital One concerned? I was on the phone to 3 different numbers from XXXX ; XXXX until XXXX ; XXXX Central Time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: SYNCHRONY FINANCIAL
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Jc Pennys was over paid over 21,000.00 dollars has called XXXX XXXX 2 and they have told me 5 to ten days after wating almost 15 days they are telling me I need to show them proof its my money I asked them why after 2 calls I wasnt told that until I asked for a supervisor.

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 2023-05-23
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
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 an account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Maximus Education, LLC dba Aidvantage
State: CT
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:
In regards to the student loans I was paying for, it was brought to my attention when ask that the school which is associated with my loans I never attend in XXXX. The loan is associated with a career institution by the name of XXXX XXXX XXXX which I never attended. I try to get this matter settled with the loan Servicer Aidvantage and got denied 3 time even with all my proof of documentation and police report I file. I explained to the loan servicer that I attended school in XXXX and was under the impression that the loans was for the school I attended in XXXX by the name of XXXX XXXX XXXX. I provide transcripts of the school I attended alongside signature samples and address of where I was living at the time, to challenge the authentication of the promissory note, and I was still denied. Last date of conversation with loan Servicer was on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
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:
In accordance with the Fair Credit Reporting Act, the listed accounts has violated my federally protected consumer rights to privacy and confidentiality, under 15 USC 1681. I requested that XXXX XXXX, Transunion as well as XXXX to re-investigate the attached accounts. However, they stated that everything was complete and accurate. How is that possible if open dates, dates of last activity are incorrect. They also neglected to provide copies of originally signed contracts. According to 15 USC 168i ( 5 ), they are required to modify accounts that are not reported correctly. 15 U.S.C. 1681 Section 602 ( a ) states that I have the right to privacy. 15 U.S.C. 1681 Section 602 ( a ) ( 2 ) states that a Consumer Reporting Agency can not furnish an account without written instructions. 15 U.S.C. 1681 ( c ) ( a ) ( 5 ) states that no Consumer Reporting Agency may make any consumer report containing any of the following items of the information, any other adverse items of information, other than records of convictions or crimes which antedates the report more than seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any Consumer Reporting Agency in the person knows or has reasonable cause to believe that the information is inaccurate. Lastly, I requested original signature of all accounts as I do not recognize. These accounts are clearly in violation as they show past due amounts and 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 2022-02-13
Company: Experian Information Solutions Inc.
State: TX
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 private information is being shared without my consent. I need my privacy protected at all costs! I have a right to privacy and my right is being violated at the moment. I need this to stop immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: SC
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 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 explanation
Consumer complaint received 2021-01-05
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My complaint is with Chime Bank. Today I received a notification from Chime that my account has been frozen due to " suspicious activity ''. The suspicious activity was listed as my direct deposit that I have had setup for the past few months. I am paid by my employer every two weeks ( XXXX XXXX ) by direct deposit and have filled out all the forms to initiate direct deposit. 

I called Chime and spoke with them about the issue and let them know the money in my account only comes from direct deposit. They insisted that I prove my identity so I emailed a copy of my drivers license and a home utility bill. 

After several emails back and forth they are still reviewing the transactions on my account as suspicious. Also, about a month ago Chime had a security breach and {$1000.00} was withdrawn from my account through an ATM. I had not lost my card and I don't write down my pin numbers. When this happened, I had received a text message about the withdrawal and I immediately disabled my ATM card through the Chime phone app. I called Chime about 15 minutes after the withdrawal to let them know it was fraudulent. They said I had to wait until the transaction completed before I could file a dispute. I waited about 3 days, the transaction completed, and I filed a complaint. The issue was resolved about a week later and they returned my funds. They said that they would issue a new card and in the meantime I could access my funds by transferring my funds to another institution. I also bank with XXXX XXXX  so I initiated a transfer of about {$2000.00} from Chime to XXXX XXXX. After several emails from Chime, they are also considering this " suspicious activity ''. 

Chime has disabled my account and I am unable to log in through their phone app now. I am unable to log into my account to provide the balance due to the app being disabled. I estimate I had {$4000.00} in my account which is needed to pay my mortgage and support my XXXX children. 

I have already notified Chime that I will be closing my account. Transactions such as Direct Deposit have auditing and tracking. They should be able to see the deposit are legitimate and certainly come from my employer. They had also recommended that I transfer money to an alternate institution which now they label as " suspicious activity ''.

Company response to consumer: Closed with explanation