BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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:
I just looked at my consumer report and noticed some accounts I would like to dispute. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. The referenced accounts in the attachment should be deleted

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 2019-03-05
Company: SLM CORPORATION
State: NY
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:
Hard Inquiry on my credit report for something I did not get approved for is stopping me from getting an apartment and other financial needs. This has destroyed my credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Clearly you DO NOT WORK directly with the court. You added in a statement to a XXXX lease that isnt mine! This yet again is proof you just data collect UNTRUE information through poor outdated resources.

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 2023-11-24
Company: EQUIFAX, INC.
State: DE
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-26
Company: Experian Information Solutions 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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; GA 'S OWN XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXX : {$3200.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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 2023-10-19
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had been trying to dispute my debt with MERCHANTS CREDIT GUIDE on behave of ILLINOIS EMERGENCY MEDICAL S. I provided them with my insurance information since I legally had insurance at the time of this emergency visit. I explained I provided this information as well upon this emergency room visit. I should not be reponsible for someones mistake. I legally had insurance at that time and it has been provided many times as well as I have been trying to dispute this for past year without getting and positive results. There is never a formal explanation to me on what has happened as well. I cant be obligated to have my credit ruined as well as being forced to paid for something that I shouldnt be since I had insurance at that time. Never did i recive any bill stating that I am responsible for any amount due in this dospute.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: EQUIFAX, 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 other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit reports randomly drop active creditors off my reports causing my credit score to negatively change. 

XXXX XXXX XXXX is in good standing and I want it reflected on ALL 3 credit bureaus

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 2022-04-22
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:
I have submitted a dispute with TransUnion Consumer Reporting Agency, Conformation # XXXX of the dispute. 

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. 

Diversified Adjustments Service # XXXX, XXXX XXXX  # XXXX Dept Of EduXXXX XXXX XXXX XXXX, ( two accounts ), XXXX  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 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. 

I

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received an email XX/XX/22 stating it was from Pay Pal stating that the invoice had successfully settled. My order was fulfilled. It gave contact info for Pay Pal at customer support at XXXX XXXX XXXX ( I did not call ) It gave the detailed order info for a XXXX XXXX XXXX for {$660.00} stating product will reach me in XXXX. I do not have a Pay Pal account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX around XXXX to XXXX XXXX  CST, I attempted to deposit {$4200.00} cash into my Bank of America checking account through the ATM located at XXXX XXXX XXXX, XXXX XXXX, AR XXXX. 

After the ATM took my money, its screen flashed an error message that lasted for about 5 to 10 seconds. Then it restarted the screen by asking if I wanted to deposit or withdraw as if nothing was deposited. 

I also deposited a separate {$6200.00} cash into my account during the same ATM trip. That was successful. 

On the following day, XX/XX/XXXX I called BoA and started a claim. On XX/XX/XXXX, I received a letter in the mail from BoA stating they were unable to approve my claim. 

I would like BoA to : - Investigate the daily ledger for that ATM on both XX/XX/XXXX and XX/XX/XXXX, so the actual cash in the machine and total amount deposited ( minus withdraws ) are equal - Pull the ATM 's transaction logging and investigate that error message - Investigate the video footage for that ATM between XXXX to XXXX XXXX  CST on XX/XX/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 monetary relief
Consumer complaint received 2023-05-10
Company: Comerica
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I am on XXXX and I receive my benefits on a Direct Express card. Recently, Direct Express froze my card, and my funds are unavailable. When I tried to call them, I was on hold for several hours and then it hung up. I am unable to use my card online, withdraw from an ATM, or sign in to check my balance. This means that I am unable to access my funds. I went online and found that I am not the only one who is going through this. Direct Express has a long history of freezing accounts and not returning the money to a vulnerable population of people who live on a fixed income. I do not know the exact amount of what is/was on my card, but it is between XXXX dollars. When I try to sign into Direct Express, it reads, " Card status is invalid. '' The card is not expired, so there is no reason for it to be invalid. 

I spoke with Social Security, and they said they have nothing to do with Direct Express, but this is who they have gone through to submit benefits to many people who don't have a bank account. They said they would escalate the issue up the chain of command, but they are unable to access the funds as well, and Direct Express does not answer the phone for anyone. Direct Express is a product of Comerica Bank, but in order to speak to anyone there, one must have their actual card. Comerica has no direct line, otherwise. Several people who live near Comerica Banks have gone to the branch, but they won't do anything about the issue. 

Whether they were hacked, or if this is an inside job, something serious is going on with Direct Express. People on a fixed income can't pay bills, rent, or buy food. I am asking you to please look into this matter and take it seriously. I have switched my benefits over to another card, but I'm still missing the money I am unable to access on my Direct Express card. 

Thank you for your time. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
As a XXXX veteran rated 100 % by the Department of Veteran Affairs, I've tried 3x 's unsucessfully to discharge a student loan that I co-signed for my daughter in XXXX. Firstmark bank continues to deny my application for discharge, stating that I was rated 100 % one year prior to the loan which is meaningless since they approved the loan in lieu of this known information ( XXXX ). 

By their own stipulations, I did not become eligible for discharge until my rating changed one year AFTER receiving the loan to 100 % PERMANENT AND TOTAL. I have reached out to my local representative for a Congressional Inquiry & was told that the department of education only has jurisdiction over federal student loans not private student loans. Who has jurisdiction over this entity and how can they be legally compelled to abide by the law?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with FCRA, this creditor has violated my rights. On the 15 USC 1681 sec 602 states that i have the right to privacy, 15 USC 1681 sec 604a sec 2 also says that a consumer reporting agency can not furnish an account without my written instruction, under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

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 2023-11-23
Company: EQUIFAX, INC.
State: NJ
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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On the date of XX/XX/XXXX, a letter was sent to me by XXXX XXXX XXXX in efforts for me to sign. I didn't get the letter though so the company closed my account. They never sent me any letters certified to my address on file and they did not send me any emails to close my account they did this without my permission. Also there are 5 diff late payments that I never had on my account I was not late at all not one time. The dates that are XXXX XXXX my credit reports are XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX if my account was closed with no balance how can I still get charged a late payment. Also there are two more dates XX/XX/XXXX, XX/XX/XXXX. I was not late any of these days and was not given proper time to evaluate this discrepancy. They also did not send my {$200.00} deposit back either they kept that and told me I had to send a correspondence letter stating all of this. The dates that my account was opened was XXXX and the date closed was XXXX as per Experian records

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 2023-06-23
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I have issues with Shellpoint company. During my forbearance repayment plan, there was miscommunication. I did not miss my XXXX payment, as the due date coincided with weekend I sent my payment XXXX XXXX which was intended for XXXX. I explained this in my previous messages but they never gave any reference to my attached receipts, they just ignored my request. According to the forbearance plan which was given to me to follow, I didnt miss any payment as they claim.please see the attachment names as receipt. 
I believe you have the substantial amount of evidence to state that I have already finished my payments in time. It is their mistake not to take into account that. The third payment should have been considered to be XXXX payment not XXXX. 
Due to this misunderstanding I got Derogatory Account and delinquent account. ( Page 4 ) Because of this issue I got XXXX problems. XXXX of them is about my credit history, the other XXXX XXXX my PMI request was rejected and I had to pay it in XXXX. 
( Shellpoint Mortgage Servicing XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: EQUIFAX, INC.
State: NY
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:
Ive written at least 4 letters to Credit bureaus disputing inaccuracies yet It did not acknowledge my concerns. Please fine Credit bureaus for negligence and publish this case public.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: FinCo Services Inc DBA Current
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Current.com was to send me and my child a credit card. The card never arrived. The company never answered emails/call/texts to address the missing card issue. The company has not addressed securing my Personal Information and Sensitive Data being collected. Current.com. Current App.

Company response to consumer: Closed with explanation