BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Called the courthouse asking do they report bankruptcies to the credit bureaus and they said They do not report any bankruptcies to anybody. County Clerk told me reffer to there website. ( See Attachment ) So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 explanation
Consumer complaint received 2018-10-29
Company: Experian Information Solutions Inc.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received a voicemail that I needed to call about a problem with my XXXX XXXX card. I called back, gave them my name, account number, social security number, etc and they told me that they were reducing my credit from $ XXXX to $ XXXX because Experian had sent them a letter saying that my credit score was XXXX and I had serious delinquent accounts. I immediately thought this was a scam because my bank had just sent me my credit score three days before and it was XXXX. I rushed home to get my card so I could call the number on the back and tell XXXX XXXX that I had just given my card number and all identifying info to someone and that I needed to close the account to prevent those people from using my credit. XXXX XXXX said that it was them who I had been speaking to earlier and the information about my credit that I received was correct. So, I called Experian. They pulled up my credit and said my score was XXXX and I didn't have any delinquent accounts or carry any balances on anything but my mortgage. They said that they couldn't call XXXX XXXX but I could have XXXX XXXX call them. Well, XXXX XXXX can't call them nor can they pull my credit report even after I give them permission on a recorded line. So, I faxed in my credit report to XXXX XXXX at a cost of {$32.00}, but XXXX XXXX says they never received it although I have a successful transmission report. I can't submit a dispute with XXXX XXXX because I don't have a charge that I am disputing. I have spent HOURS trying to talk to someone who would listen to what happen to do what was necessary to fix their error, but there doesn't seem to be anyone at XXXX XXXX that cares. To be fair, maybe the error was with Experian but they say they didn't send a letter, so I don't know what to do. I feel pretty certain at this point that no one is trying to steal my identity because I pulled my credit report from all three credit reporting agencies and my scores at XXXX, XXXX and XXXX. I just want the error fixed and off my XXXX XXXX record. Is there any way that you could help?

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 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is in addition to complaint : XXXX. 

This information has been forwarded to Attorney Generals : XXXX XXXX ( Florida ) XXXX XXXX  ( Maryland ) This information has been forwarded to XXXX XXXX, the Director of the CFPB. A lawsuit will follow.

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 2023-02-23
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:
First and foremost I am the original creditor 15 USC 1692 ( 4 ). I am the originator and the consumer. 
Secondly, XXXX mailed me a signed consumer contract, which is not sufficient evidence of a debt. All that means is a credit transaction took place. 
According to case law, Pacific F.C.U v Kaunaone, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( 6 ).

My rights as a consumer have been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report account # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report. 

I am demanding that XXXX produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ). 

What I am demanding right now is that you guys delete the XXXX Account # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 written instructions. 

In accordance with the Fair Credit Reporting act XXXX 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 written instructions. 

In accordance with the Fair Credit Reporting act XXXX 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 written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX 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 written instructions. 

They also have neglected to list the creditors on my XXXX report for XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act XXXX XXXX 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 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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XXXX XXXX  through XXXX XX/XX/2023, I attempted to login to my TransUnion account to remove a credit freeze. The two-factor authentication which TransUnion uses has been down for over two days now. 

Due to the fact I can not unfreeze my credit report, I am unable to have my credit pulled so I can finalize a mortgage on our new home.

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 2017-05-15
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
IN THE MONTH OF  XXXX  I MADE A PAYMENT FOR MY VICTORIA SECRET 'S CREDIT CARD ON THE  XXXX   XXXX ,  2017 OF  WHICH HAPPENED TO BE  XXXX  AND OF WHICH WAS A SUNDAY.     UNFORTUNATELY, THE SYSTEM WOULD NOT ACCEPT MY PAYMENT FOR THE  XXXX  AND THE PAYMENT WAS TO BE APPLIED ON  XXXX   XXXX  , 2017.      FURTHER I HAD NOT RECEIVE MY STATEMENT FOR LAST MONTH OF WHICH A PROBLEM FOR ME.     I CALLED SPOKE WITH  XXXX  REPRESENTATIVE OF  COMNEITY  BANK WHO WAS PLAYING A BARGAINING GAME WITH ME OFFERING TO ISSUE A CREDIT OF {$20.00} OF WHICH I REFUSED BEING I WAS CHARGED {$27.00}. I INFORMED HIM THAT IF I DID NOT GET MY CREDIT OF {$27.00} I WOULD FILE A COMPLAINT WITH THIS AGENCY AND HE LAUGHED AND EVEN WHEN I REQUESTED A SUPERVISOR.     I THEN SPOKE WITH A SUPERVISOR WHOM I EXPLAINED THE WHOLE SITUATION AND SHE APOLOGIZED AND INFORMED SHE WOULD HAVE THE CALL PULLED AS IT WAS RECORDED OF WHICH WAS NOT INFORMED THAT THE CALL WAS BEING RECORDED OF WHICH MADE ME MORE UPSET.     THE SUPERVISOR INFORMED ME SHE WAS GIVING ME CREDIT OF {$27.00}.     I ALSO REQUESTED THAT SHE CHANGE MY DUE DATE FROM THE  XXXX  TO A LATER DATE AND SHE REFUSED STATING THAT COMENITY BANK ONLY ALLOWS  XXXX  DUE CHANGE PER YEAR. IN ALL HONESTY THIS IS WORNG BEING DUE TO SOME FINANCIAL CHANGES ON MY END I NEED TO CHANGE THE DUE DATE SO THAT I WILL NOT HAVE TO INCUR LATE FEES. IF COMENITY BANK REFUSES TO CHANGE THE DUE DATE THEN I WILL NOT BE HELD LIABLE FOR ANY LATE FEES IF I AM LATE WITH MY MONTHLY PAYMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: William D. Meeker Enterprises, Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to complain to CIC CREDIT about the reported unauthorized inquiry on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX, and my social security number is XXXX. The FTC report number related with this complaint is XXXX .I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Experian Information Solutions Inc.
State: NY
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:
Since XX/XX/23 I have been having problems with my XXXXXXXX XXXX a person has tried and successfully changed my account info including email phone numbers and address To the following XXXX XXXX XXXX XXXX NC XXXX Phone XXXX Today I received an email from XXXX XXXX  stating I have new address on my credit report This info is not mine I have had to close cards and order new one please help

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 2018-07-27
Company: Ross Financial Recovery Group
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Today, XX/XX/2018 I was sent an email from the " director '' of Ross Financial Recovery Group. His email stated that I owe XXXX XXXX XXXXXXXX {$590.00}. I actually owe XXXX XXXX XXXX {$560.00}. The reason I know this is fake is because my address is wrong and so is my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Unauthorized charges showed up on my bank account. The first one for XXXX then XXXX then XXXX. So I closed the card and disputed the charges. I got an email saying no error no funds would be given back in 1 day. No investigation. You can clearly see they were testing it by doing low amount then going larger. They just let someone steal my money with minimally investigation. I have XXXX kids to feed with that money. Banks are insured to protect the clients but they just let someone steal my money. I told them I am appealing and filed a complaint with XXXX I am livid. I no longer feel safe with this bank after this I will no longer use them. I am contacting the news. XXXX warning everyone that this bank let people steal your money and does nothing about it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Pendrick Capital Partners Holding, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX sent a letter stated i owe {$820.00} i have a letter from XXXX from XX/XX/2018 stated this is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have had my Bluebird XXXX  for years. I rarely use it or load money on it but only use it in extreme circumstances. Well I last used in last year and I recently loaded {$170.00} and {$33.00} and {$200.00} and so when I went to pay my car payment with this card I rarely use I was shocked when it didn't work. I called and did a dispute and they only credited {$17.00} and sent a new card. Unacceptable I told the rep distinctly what I was disputing and it wasn't done correctly at this point I just want my money and to close this account completely

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Celentano, Stadtmauer & Walentowicz, LLP
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I would like the information from the insurance company as to why there was a large portion of the balance that was not covered

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Account Name : # : XXXX XXXX Account Name : # : XXXX XXXX Account Name : # : XXXX child support have 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 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 2021-11-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the removable of the erroneous information about my accounts has been diligently neglected by Equifax Credit Bureau. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response from them up to this date. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continuously reporting on my Credit Report. Here are the concerned accounts : -- -- -- -- -Chargeoff XXXX  XXXX {$0.00} -- -- -- -- -- Late Closed XXXX $ XXXX Opened : XX/XX/XXXX XXXX $ XXXX Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My student loans are accruing interest every day but Nelnets website does not show my correct payment or due date. I contacted Nelnets customer service but have not heard anything back. I have no idea how much to pay or if the interest will be waived under the SAVE plan which I enrolled in last month. Its extremely frustrating and the fact that interest continues to accrue while Nelnet fails to respond should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX Balance {$91.00} XXXX  XXXX Balance {$130.00} XXXX XXXX Balance {$42.00} Inquiries : XXXX XXXX Inquired on XX/XX/XXXX XXXX & XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: WI
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:
I have been paying down my Credit Card balances, but this decrease in the card balance is not reported in a timely fashion, as opposed to ANY increase in a card balance, which seems to be updated in a matter of days. I have paid down thousands of dollars in Credit Card debt, but my percentage of use never changes. This is critically impacting my ability to get credit to add available credit, which would lower this percentage of use as I pay these balances down. 
This is clearly both negligence in regard to the consumer, while at the same time offering only cards with high annual fees which finically benefits the Credit Reporting agencies, besides implying that paying to upgrade to a service offered by the reporting agency would assist in increasing the consumer 's credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I was approved for 100 % discharge via XXXX v. XXXX. XXXX had my loans unconsolidated, and they showed discharged. Now, they show them reconsolidated ( into 2 big loans ) and with a due date of XXXX. Yesterday I received a letter yesterday showing a new due date of XX/XX/XXXX. I can not get any answers as to the status of my loans and when they will be discharged per the BD ruling or why they were discharged and then added back as consolidated. Their chat is down, the phone wait is days and they do not call back, nor do they respond to emails or FB messenger. XX/XX/XXXX is fast approaching and I do not understand why nothing is happening and/or no one is responding in any fashion. It's ridiculous and terrible service.

Company response to consumer: Untimely response