BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-12
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:
n accordance with the Fair Credit Reporting act 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 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 has validated my rights.

15. U.S.C 1681 Section 602 A. States I have the to privacy.

15. U.S.C. 1681 Section 604 A Section 2 : it also states a consumer repotting agency can not furnish an account without my written

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 2021-10-10
Company: AES/PHEAA
State: OH
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:
I have lodged multiple complaints against this servicer about the calculation of eligible payments to my PSLF status. On XX/XX/21, I submitted a packet via fax and standard mail detailing my disagreement with payments that were considered eligible. That packet will be attached to this complaint. Notably, the majority of my disagreements center around 2 issues. 1. ) " Billed total due amount is not satisfied '' and 2. ) " Your payment was received outside of the payment window. In all cases, I have submitted bank statements demonstrating that in fact the correct amount was paid, and that it was paid within the payment window. This is detailed in my attachment. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2022-06-12
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I wrote a check to my landlord for rent on XX/XX/XXXX for XXXX $ and placed it in the mailbox for pick up from my landlord as I always do. Someone stole the check out of the mailbox, and cashed the check fraudulently on XX/XX/XXXX. ( I have pictures of the check ) Bank of the West is aware of the stolen funds and situation, and released my funds fraudulently. I have done all I can with them, filled out all of there forms, spoken to everyone in the branch, got my landlord to sign the paper that he never received the funds, and even started a new account. They then told me they have 90 days to work with the claims department. Its been 90 days and they still will not return my money.

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 2021-05-24
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:
There is one account on my credit report that is not mine I have never applied for anything like this or signed or used anything like this I need this removed from my credit account asap. 

XXXX XXXX - Acct # XXXX XXXX XXXX {$6300.00} Date opened XX/XX/2017 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 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX placed a hard inquiry on my credit report. 
XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX also appeared as hard inquiries on my report. 
I have never inquired requested or even heard of any of these companies which are located in several different states and I have no use for banking services I can't physically visit for assistance. I advised XXXX and Transunion of my dispute via telephone and was told I must contact original creditor listed above. I contacted 3 of the above creditors to see how they got my information, they required my social security number, name and address to check for my information and I was told no record of me could be found, and they are unable to send any type of request to remove from credit report since they have no demographics or file with my information. 
I contacted XXXX and Trans Union again with information above and request to remove hard inquiries, I was told I must send written dispute and request inquiries be removed. 
I mailed 2 dispute letters to XXXX, XXXX and Transunion XX/XX/XXXX and XX/XX/XXXX no response. I Called to check status on written disputes after 30 days on XX/XX/XXXX. No record of my dispute can be found with XXXX, XXXX or Trans Union. 
Called Trans Union and XXXX again they still have no records of my dispute and are unwilling to help me get this resolved and remove these unapproved inquiries.

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 2021-10-01
Company: Capio Partners, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the 3 Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. The dates shown on my credit report for this account are not accurate. The date last reported for TransUnion shows XX/XX/2023, XX/XX/2023 for XXXX, and XX/XX/2023 for XXXX. Last payment dates for Transunion are XX/XX/2023, XXXX XX/XX/2023, and for XXXX XX/XX/2023. With these incorrect dates, my credit report also shows an inaccurate 30 day late payment on XX/XX/23. Also, TransUnion shows the account as closed, while XXXX and XXXX shows the account as paid. 

Account name : 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.

These inaccuracies are stopping me from getting the credit funding I need for my business.

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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Disputed a company XXXX reporting on my Transunion Credit Report XX/XX/2021, XXXX, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. I have not received any documents proving that this account belongs 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 explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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:
I sent a dispute to the credit bureaus on XXXX XXXX 2022 in regards to my account XXXX XXXX account number XXXX and its been over 45days no respond. this is grounds for removal.

The credit bureaus also violated theres rights under these laws : 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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 i attached the copy of the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: OH
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:
So, I sent a letter off on XX/XX/2022. Here 's my tracking # XXXX to remove personal information that I do not want on my credit report. According to the fair credit report act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is not supposed to share my information to third party people.

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Aargon Agency, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A debt validation was mailed certified to the collection company on XX/XX/2021. The company received the letter on XX/XX/2021. In response, on XX/XX/2021 the collection company sent copies of my bills which contained my medical history such as : Diagnoses codes, procedure codes, and procedure description. This is a violate my HIPAA rights.

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 2021-03-20
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On numerous occasions the AARGON AGENCY XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX United States, used tactics that violates my rights under the The Fair Credit Reporting Act, 15 U.S.C. 1681, by manipulating the dates of the opening of the account to act as if the debt is new or currently missing agreed payments, theyre double reporting a increase of negative balance owed, in a attempt to damage my credit, when they check it and see its improving, theyre adding on interest and them removing the interest to negatively affect my score, theyre using these tactics to force me to respond to a debt that I dont owe. Its financially hurting me and its not right. Theyre proving that they dont respect the laws in which the promised to follow when they decided to become a debt collection agency. Theyre misusing the power they have to get the outcome that makes them the most money or damages my credit the most. I do not own the debt. I Dont know how the debt was started in my name. I spoke with XXXX at XXXX XXXX on a recorded line, he stated, where he agreed to dispute the debt and remove the inaccuracy from my credit report and its still on my credit reports damaging 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 2021-07-11
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have worked in a XXXX since XXXX and was a victim of the XXXX XXXX  XXXX in XXXX and my payments that I made in that year were not applied to my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
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 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  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2023 I went to my local Truist banking location to apply for a XXXX XXXX Credit Card in the hopes of using it to get the XXXX Precheck charge waived as part of the advertised benefits. I was told the application was under review, and would hear something in a day or so. On XX/XX/XXXX, I called and left a voicemail for the banker that I submitted the application with, and still haven't heard back from them. On XX/XX/XXXX or XXXX, I went to the branch again to see if I could talk to the banker. He was working the teller line and was not able to see me, but I did speak to the area manager, XXXX (? ), who assured me that I would be hearing something soon. ( still nothing ). On XX/XX/2023, I called and spoke to Branch Manager, XXXX XXXX. He was surprised that I had not heard anything. He offered to submit a complaint to the executive office for me. Complaint number XXXX was opened by XXXX. I have not heard anything from the executive office as yet as well.

I firmly believe that my rights under Truth in Lending and Fair Credit Reporting have been violated. I have not received an Adverse Action letter, I have not received a call, email or written letter in regards to this application.

I was not asked about additional income. I was not asked what limit I was looking for. The bank apparently has a minimum limit they offer, and did not disclose what this limit is. I understand through my dialog with XXXX that the application was declined. However, as I work in banking, I feel I have been beyond patient in waiting for them to attempt providing a written response. 

I would like commend XXXX for his assistance through all of this, but 1 person is not enough to fix all the mistakes of others.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm XXXX XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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 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 non-monetary relief