BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2018-09-07
Company: NATIONWIDE ACCEPTANCE LLC
State: IL
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
after receiving services from this company before, somehow my identity was stolen for the opening of another account in which my identity was stole, I have submitted proof by sending my police report, and identity theft affidavit from the FTC also complaints to the XXXX. this company has responded by maintaining that because the same information that was used to obtain services in the past and also garnishing my wages for this account that they can somehow ignore what I have been directed to send them in order to restore my good name, I will attach a copy of documents sent to them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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:
Dear Sir/Madam, I am writing to dispute the accuracy of an account listed on my credit report, specifically with regard to an account with XXXX XXXX XXXX account number XXXX. 

Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C 1692 g, I am requesting that you either validate the account or remove it from my credit report. I do not recognize this account, and I have not received any communication from XXXX XXXX regarding this account. 

According to 15 U.S.C 1692 g, if a consumer disputes the validity of a debt, the debt collector must cease all collection activities until it provides the consumer with written validation of the debt. In this case, I dispute the validity of the account and request that you provide me with written validation of the debt, including the original creditor, account number, dates of activity, and any other relevant information. 

Additionally, I do not recognize how this account is reporting on my credit report, including the account number, balance, or status. None of the information reported here meets the requirements set forth by the FCRA or FDCPA. 

If you can not provide me with written validation of the debt, I request that you remove this account from my credit report immediately. I am exercising my rights under the FDCPA and FCRA to ensure that my credit report is accurate and reflects only valid debts. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2018-06-06
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX reporting XXXX XXXX as inquiry. This is unauthorized inquiry. I have contacted XXXX XXXX  and they have no record of this inquiry. XXXX  reporting this falsely and providing written proof per my 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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
i never provided written consent and are unaware of the unauthorized and inaccurate accounts on my credit report. I also understand that under Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information,

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 2023-06-22
Company: AMERICAN EXPRESS COMPANY
State: MI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
American Express XXXX denied my claims when I got scammed out of tickets and used their card to purchase them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In the wake of the Covid-19 pandameic I lost income as I am in XXXX. I was trying to contact my mortgage service to see if they would give me a deferment on a payment or two being that they accepted to bail out money from the stimulus pkg passed by congress. the company instead the company is misusing government bailout funds and is offering only a forbearance which means I have to pay all three months plus the current month once the forbarance is up. This is misusing my tax payer dollars and taking advantage of the of the law. I ask that the company be held accountable for this massive misuse of our government and mistreatment of the people they are there to serve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: NJ
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 not received any information of this collection and why they are charging me {$860.00} not once but twice. Ive reached out multiple times and all they want is my social security. I have actual medical collection bills that have provided me proof of the date, treatments and costs of everything. None of those items come close to XXXX. I am asking for these negative charges to be removed off my report, I have already disputed these items of XXXX XXXX, and equifax multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Capital One is reporting inaccurate information for a alleged debts that are paided and there is no reason for a debt collector. Reporting false an negative information on a CONSUMER. ACCORDING to FDCPA such reporting is choosing me to have adverse action for personal essential goods. My CONSUMER rights have been violated by 15 USC 1692 B ( 2 ) and 15 USC 1692F ( 8 ) Notice to all I am that I am the consumer in fact the natural person the original creditor the lender the executor their administrator Holder and due course for any and all derivatives therefore the surname or given name is as you know. I have been appointed and accept being the executor both public and private for all matters proceeding and I hereby claim that I have a DBA for the Original Creditor. The fact that the fair debt collection practice act is intended to secure my right to privacy and my privacy has been breached so be it and please show good faith in this matter bye expediting the security of the alleged information listed on your site in order to avoid me receiving further injury or damages in mental anguish and lost due to me being a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, 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  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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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 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.

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 2020-04-03
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Hello, I am currently on hold now for close to an hour with the U.S. Bank Reliacard company that my Covid-19 unemployment compensation has provided. On Tuesday XX/XX/XXXX I purchased groceries online for pick up, first time ever doing so, through my local XXXX, who utilizes I believe XXXX XXXX  and the grocery bill was for {$170.00}, however, I was charged {$190.00} from my Reliacard? That is roughly {$17.00} charged from my account. My unemployment compensation is not that much and have a household to run. 10 % fee is an absurd amount to charge, any fee is unacceptable, especially at these unprecedented times and times that we are asked, no required, to maintain distance from population as much as possible. ( Still on hold by the way, so over an hour ) I should hope this request does not go unheard. 
Thank you for your time.

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 2023-07-31
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022

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 2020-04-03
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Somewhere in mid XXXX ( cant remember the specific date ) {$0.00} So I had couple items returned and got a refund back into Citibank credit card. 
At that time, I had other card as a primary use so often forgot to use the credit I had on Citibank card. 
Slowly but surely I used most of the refunded amount on credit card but had left {$0.00}. 
I was sure that I am going to use it because it was my money that I already paid off to Citibank. But when I checked after my long trip, the money was gone. The balance was XXXX. 
I called Citibank customer service and asked the representative to explain why it happened. She said that if I dont use refund in 3months without a claim, they remove the money from my account because of inactivity. But I was using my card ( definitely a sign of activity ) and I didnt see anywhere saying that making a claim was part of protecting my money from the bank. I kept asked her who keeps the money after they put it aside, she was a bit hesitant to admit that it goes to Citibanks account. But I was persistent to hear that from her and she finally admitted that Citibank keeps the money after few minutes of going back and forth. And she got tired of me asking same question ( for me to comprehend why and how it happened ), she said, with her agitated voice, if I want my {$0.00} back to my credit card. 

I think the principle here is wrong to take peoples money without any notification or our acknowledgment that the credit card company has a right to take the money away, simply because it was claimed before 3months. The amount I lost is insignificant so I didnt think it should be a big deal but think of elderly or younger people who arent experienced with credit cards. Some people might feel lost or used and dont know where to ask for help or how to get their money back. 
Let me know if theres any policy indicating about non-claim money or requirement to claim on refund before 3months from the day of refund. 

Any information would 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 explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, 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 want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX IN XXXX Balance : - XXXX XXXX XXXX, XXXX. XXXX Balance :- XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - JXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy discharged Date filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX 2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
his is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to 3 Credit bureaus. 3 credit bureaus has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : The bureau is provided by federal law to response within that statutory time limit and they still have failed to response to my letters. Therefore all items in question that have been disputed must be removed. 

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed. Please find the attached documents to assist in blocking of the erroneous information which is being posted to my report. 


XXXX XXXX XXXX Inquiry Date XX/XX/2021 XXXX XXXX XXXX Inquiry Date XX/XX/2021

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 2022-04-14
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
during the COVID 19 pandemic, interest rates were frozen per the federal government. Navient XXXX XXXX continued to charge interest and other fees on account holders. 
My loan balance today was {$2100.00}, up from {$2100.00} last month. I made a payment in full today after realizing they were fraudulently adding fees and interest during the freeze ( which doesn't end until XX/XX/2022. There website shows them adding interest during the pandemic. I wish to be refunded the fees and interest that were fraudulently charged during the freeze. These accumulation of interest fees should not have been added until XX/XX/XXXX when the deadline begins repayment for all loan holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My checking account with American Express Serve was defrauded and there were 6 transactions where {$540.00} total was stolen. I have tried everything I can, including following American Express ' procedure of investigating this fraud. They have done nothing to refund me my stolen money and have denied my claim even though these transactions were not done by me or anybody I know. 

I don't know what else I can do. They clearly did not do an in-depth investigation because otherwise my money would have been refunded. I call and keep getting the run around and they won't let me speak to anyone in the fraud investigation department. I was instructed to write a letter, which I have done, but I have no faith anything will come of it. 

This is wrong. I entrusted them with my money, and their card and my account was compromised because my card never left my pocket and nobody on Earth but me knows my PIN number. Instead of refunding my money, which should be insured from fraud, they have done NOTHING.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-17
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was contacted by TRANSWORLD debt collectors on XX/XX/2019 saying I owed {$7900.00} from the department of veterans affairs, which i know is false I only owe around {$6000.00}, they called saying it was an attempt to collect the debt and i proceeded to talk on the phone with them to see what we can do. they did not understand why I couldn't pay off the full amount at once and then asked if I could pay half right then and there, which I also couldn't do. they then hassled me into paying an amount I can't afford after saying numerous times that I dont have that amount of money. ( around $ XXXX/month ) they said i was on a certain kind of debt owed program and needed to take out as much money a month from me as possible. I've never heard of anything like that before, so I tried to meet them in the middle saying I could pay $ XXXX/month but they still proceeded into hassling me into paying more and will not listen to me and are taking out more than my paychecks.

Company response to consumer: Closed with explanation