BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX, 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 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 are fraud. Please delete the accounts : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$67.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00}

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 non-monetary relief
Consumer complaint received 2022-07-23
Company: Experian Information Solutions Inc.
State: RI
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 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 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 explanation
Consumer complaint received 2023-03-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2023, I was placed on hold for 23 minutes when trying to get the credit balance on our American Express card refunded to us! The customer service rep dragged us through ringers despite the initial authentication asking me 5 security questions in order to finally me that they will transfer the funds BACK to our bank account!! 

American Express is claiming that they can ONLY send ut the check! And they are refusing to send a check to the NEW address we want the refund check to be sent! 
The balance owed us by America Express on this car is in excess of {$3000.00} US dollars but despite that, we have NEVER gotten ANY notification that we have over-paid the credit card by mistake! 

This is a clear case of abuse where these Credit Card companies will not leave any stone unturned when they are collecting, but will make us miserable when they OWE the consumer 's money!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-10
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY AND PHOTO ID TO OPEN THESE ACCOUNTS INMY  NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 my eight 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$290.00}

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 non-monetary relief
Consumer complaint received 2020-06-17
Company: HUNTINGTON NATIONAL BANK, THE
State: UT
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX I filed a complaint with the Minnesota Attorney General about a fraudulent debt of {$4000.00} that Huntington National Bank of XXXX OH claims I owe from when they maliciously repossessed my vehicle XX/XX/XXXX. The Attorney General and I asked to see legal lawful proof of this debt from Huntington National Bank, copy of canceled check from the auto auction sale of this car? Account deposit proof from the deposit of check to Huntington National Bank? Hunting National Bank claim I owe them {$4000.00} but they just wrote that down on a piece of paper they mailed me last year. This amount is completely manufactured and false. Huntington National Bank lied to the Minnesota Attorney General and refused to provide any proof of this debt for nearly a year. I am filing a fraud complaint with my Police Department and submitting it to the credit bureaus to delete the fraudulent monthly reporting of Huntington Bank since XX/XX/XXXX and Block Huntington National Bank from my credit reports this month of XX/XX/XXXX. 
The Minnesota Attorney General should have prosecuted Huntington National Bank and imprisoned its officials.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: CarMax, Inc.
State: NC
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:
Rate shopping within a certain time frame is improperly reflected as multiple hard inquiries. 
I do not recognize all of these hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: Experian Information Solutions Inc.
State: IA
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:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX. 
XXXX XXXX didn't correct wrong information concerning an Auto Loan with XXXX XXXX XXXX XXXX. The loan was NOT part of the bankruptcy, document provided. XXXX XXXX XXXX XXXX will not correct the error. I have sent documents to XXXX ( bankruptcy record and open Auto loan account ) loan is open and is being paid consistently on time with no delinquent or late payments. I have been denied housing because of bad credit including the incorrect item.

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 2023-08-24
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: Account information incorrect

Complaint:
Account for XXXX XXXX XXXX XXXX shows late payment XX/XX/2022 I have these payments set up for auto draft I was not late I have talked to XXXX and stated I was not late. It was supposed to be fixed on their end. this is hurting me from being able to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX, XXXXXXXX XXXXXXXX transactions were falsely made without my permission or control using pnc bank this had caused me to owe them an ureasonable amount of debt of XXXX that has been sold to a 3rd party

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: EQUIFAX, INC.
State: MA
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 disputed with Equifax and asked the These accounts be deleted, XXXX and XXXX already removed these accounts from my consumer 's credit file but Equifax even after i proved that my rights are being violation did not do their part to fix the problem. i'm now seeking you help to get my life back, and make sure my consumer 's rights are respected. they even refused to put a block on my consumer 's credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Upgrade, 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:
In XXXX of XXXX i noticed transactions being charged to my Upgrade credit card account from XXXX, although i do have an XXXX the transactions did not come from my account. I reached out to XXXX and because charges were not made in my account they could not return anything. Contacted Upgrade billing/fraud dept, provided them with proof of purchases not coming from my account and even ask them to reach out if they needed me to colaborare with any additional information ( which they never did ). I did get a provisional credit back in XX/XX/XXXX but today receiven an email notification saying theve decided to decline my cliam and charge everything back. The transactions were the following : XX/XX/XXXX XXXX XXXX$46.00}, XX/XX/XXXX AXXXX {$41.00}, XX/XX/XXXX XXXXXXXX {$100.00}, XX/XX/XXXX XXXX {$32.00}, XX/XX/XXXX XXXX  {$35.00} and XX/XX/XXXX XXXX {$5.00}. There were a lot more transactions but were thankfully blocked by them as they were identified as fraud. I have my XXXX transaction history, i can contact XXXX again, anything you guys need or the upgrade credit card needs i Can definately cooperate to proof it was certaily not me making this purchases. 

Ps. Included screenshots of contact hostory, they inky reachout once on XX/XX/XXXX, then i replied immediately to their email on XX/XX/XXXX ( twice ), because no response was received i reach out again on XX/XX/XXXX by email again ( had tried by phone twice but could not get through for some reason ) and finally got reaponse from them on XX/XX/XXXX sayin still working on my case. Then XX/XX/XXXX from XXXX ( a diferent fraud specialist from the original ) a notification the claim was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: SLM CORPORATION
State: CA
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 attending school at the XXXX XXXX film school in XXXX, so in my 6-7 month period everything was okay I passed all my class when I had to take off school for a little bit to work and help my parents financially, couple months past and I was ready to attend school will first day back they decided to restart my classes that Ive already took and really wasnt a academic course that Ill earn credit towards my degree, so I tried to make a complaint to my student advisor but nothing really happen then within a week I was kicked out of school for not completing my XXXX accelerator program and was still billed for the full tuition even tho I wasnt allowed to attend anymore

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Oklahoma Student Loan Authority
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:
I I recently just found out that I have two student loans reports on my credit and I have never been to school. I got a student loan before.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Lockhart, Morris & Montgomery 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:
The collection agency XXXX XXXX is reporting a XXXX Account they do not own. I find this false and misleading since they never reported all the on-time payments made to XXXX. How can they go right to charge off? They put this on my credit report for one reason, to get me to pay. This is " weaponization '' at its finest. 
I have no issue paying, I want this removed immediately! if all of my on-time payments are not being reported, and if the history I had with XXXX is not being reported then they should not be allowed to report this to my credit! 
I never had a credit agreement with XXXX XXXX. This is bringing my credit report down, and needs to be removed immediately. This is incredibly unfair and unjust!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: CL Holdings LLC
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:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts, due to the XXXX Data Breach identity Theft. Each creditor and credit bureau is violating the 81 USC 1028 ( a ), which is aggravated Identity Theft, which I am very disgruntled about. Also, according to FCRA 605 B, this Information must be blocked immediately. Also, in pursuant of 51 USC 1681, B. The credit bureaus by law aren't allowed to furnish anything on a consumers credit report without the consumers Written Consent. XXXX, XXXX, and XXXX, and each creditor who listed fraudulent information on my credit report is violating the law, and if this is not fixed then you al will be held {$1000.00} per violating. Please comply. The following accounts that are fraudulent are listed below : XXXX XXXX-Account Number : XXXX ( Date Opened : XX/XX/XXXX ), Jefferson XXXX XXXX XXXXXXXX Account Number : XXXX ( Date Opened : XX/XX/XXXX ), XXXX XXXX- Account Number : XXXX ( Date Opened : XX/XX/XXXX ). Also, 1 Inquiry : XXXX ( Inquiry Date : XX/XX/XXXX ). This is my second time disputing this account information and XXXX and each of the above creditors are in violating of the laws and if these fraudulent accounts issue on my credit report is not removed within 4 days, according to the law, then I will be taking XXXX to court and will be filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Franklin Collection Service, Inc.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Debt collector called me at work demanding money for a past bill. Two other employees heard what happened. This is an illegal practice in the State of Arkansas and outside of the statue of limitations for the debt as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 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. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16
Company: Navient Solutions, LLC.
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 information incorrect

Complaint:
I have XXXX student loans with Navient, all of them which have been in deferment for 10-15 years and the interest has made my loan too expensive to pay. I have kept up with forbearances and they put on my credit report that I didn't do a forbearance until a month later than need and it put XXXX bad credit ratings on my credit report. I was under the covid forbearance and it was done by phone. They are messing up my credit for XXXX or more years because of their error. Why would I forbearance and keep up with this all but 2021 which they say I didn't that was during covid and cares act. I need these student loan marks off my credit report. Navient is ruining peoples lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX  ( showing multiple entries on my credit report ), XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : MEDICAL ) 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 2023-04-20
Company: WELLS FARGO & COMPANY
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a victim of Wells Fargo Mortgage and should be included in the recent settlement between CFPB and Wells Fargo due to the bank 's " illegal practices, including ... ... incorrect fees and interest charges. '' However, I never received any notice from Wells Fargo about this settlement. 

I submitted a complaint to CFPB on XX/XX/2017 ( case # : XXXX ) but was closed by CFPB without any solution.

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 2023-03-14
Company: EQUIFAX, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Citi Bank did not apply the 24 Month Interest Free Promotion on my XX/XX/XXXX, XX/XX/XXXX combined contract purchase of {$4400.00}.

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 2018-11-02
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:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made along with errors. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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