BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-11
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:
In accordance with the Fair Credit Reporting act XXXX  Account numbers : # XXXX - XXXX XXXX XXXX # XXXX - XXXX 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 an account without my written instruction

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 2019-02-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I open up a fraud investigation on a credit card account XXXX XXXX XXXX   and its has a high balance of XXXX and I didnt apply for this card and it was open on XXXX with a credit limit of XXXX and never applied and I send experian and XXXX documents to have this account to be removed and it was put back on my credit report on XXXX and I called experian yesterday on XXXX to have the credit block in place and they refused to do so and protect me from fraud and I have a membership with experian and experian never explain that the company has a claim dept for customers who had fraud charges I have a membership with experian and they refuse to remove that account off my credit report and its hurts my score and it went down to XXXX and Im so worried about my current credit cards and they will be closed due to low credit score ... .Experian told me I need to contact XXXX to have this fruad account removed and I contacted XXXX too many times and at first they said I wasnt held liable for this account and few weeks later they said I cancel the fraud claim and I never made a request to cancel my fraud claim XXXX credit card resume it and they are taking too long to resolve it its been over a year ... XXXX and XXXX removed this account off my credit report experian refused to do so

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 2023-08-01
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Navy FederaXXXX has been having my funds on hold for over XXXX weeks today, without any trace of the money or progress thats happening. They initially had {$30000.00} on hold claiming they are waiting on a response from another financial institution. They sent {$6700.00} of it back and still have the remaining balance on hold. They have been unable to resolve this matter within a reasonable amount of time. Its been confirmed theres no fraudulent activity happening and they dont give me a response other than we cant give you a time frame when this will be resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: MOHELA
State: MA
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 am working toward XXXX XXXX XXXX XXXX ( XXXX ). In XXXX of XXXX my student loans were automatically transferred to XXXX XXXX XXXX. When XXXX XXXX became the servicer of my loans an error occurred during the process. My status was erroneously changed to " In School '' despite me not being enrolled in any educational program during that period. This incorrect status remained in effect from XX/XX/XXXX to XX/XX/XXXX. Throughout this time, I continued making monthly loan payments while working full-time for a qualified non-profit employer, with the sincere belief that I was on track to qualify for XXXX. Due to this status error, my eligibility for XXXX has been severely delayed. I should have been eligible for loan forgiveness in XXXX of XXXX, having met the crucial criteria of making XXXX payments and fulfilling the employment requirements for XXXX. However, this status error has hindered my progress, and I find myself unable to qualify for XXXX on the timeline I rightfully should be eligible for. 

I have made diligent efforts to resolve this issue with written communication and documentation provided to XXXX, Mohela, and XXXX. None of these actions has resulted in a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, 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:
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. has violated my rights. 
15 U.S.C 1681 section 602 A. States I have rights 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 response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I utilized XXXX for the first time and was involved in a scam. I purchased playoff tickets via XXXX and the scammer wanted me to use XXXX. After researching a little and knowing my Bank, B of A utilized I was comfortable with the transaction. Once I realized it was a scam the same day, I called B of A. They said they would contact XXXX XXXX but my funds of {$360.00} were not returned. They said I now need a subpoena and I am working with local law enforcement now.

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 2023-04-28
Company: Experian Information Solutions 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:
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, FL XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXXXXXX XXXX XXXX. XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX  XXXX Balance : -, XXXX XXXXXXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX  Bankruptcy discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX - XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX - XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX 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 2022-05-26
Company: Credit Corp Solutions Inc.
State: WY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I entered into an agreement to pay Credit Corp Solutions {$2000.00} to fully and completely discharge a debt of {$2700.00} owed to XXXX credit. The agreement is dated XX/XX/2022. {$2000.00} was taken from my checking account by Credit Corp Solutions on XX/XX/2022. That amount was reported to XXXX on XX/XX/2022. However, Credit Corp Solutions, operating under a different name, purchased or re-reported the {$690.00} difference I did not pay in my settlement and has left it on my credit reports. This is clearly an attempt by Credit Corp Solutions to circumvent law and illegally attempt to collect a debt that was legally fully paid through a legally binding agreement by acting as a different company and using the credit rating system as a way to hold consumers hostage. I refuse to pay the {$690.00} and I want it removed from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
my personal info shows a bunch of different names and addresses reporting. the only name should be XXXX XXXX XXXX all other names are incorrect and false these are the names that are wrong XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX all off the wrong names that are not XXXX XXXX XXXX is attached to accounts not mine please have these names removed

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 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
On XX/XX/2022, my credit score dropped XXXX XXXX in which I have no reasoning behind this massive drop in score. I have no defaults, no major problems with my credit, and no issues with credit in general and around that time. 

XXXX, Transunion, and XXXX all told me the same thing on the phone when trying to file a dispute and that is that this is a system generated number and there is nothing I can do to fix this problem since the number is generated by an automated system. 

To this day, I still do not see any derogatory marks on my credit that would cause it to drop by XXXX points at that time and it has been really hard to get my score back up to where it was because of such a large drop. I am not sure how to get this fixed since they all told me that they can not do anything to fix it. 

My social security number was found on the dark web about a year or so ago so once I found that out, I froze all of my credit account but it is possible someone could have still used my social for malicious intent. This is the only possible cause of my credit lowering by XXXX points in just a XXXX month period. Other than that, I would like to submit a complaint to all three credit servicers to try and get this resolved.

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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Reporting act XXXX  Account XXXX XXXX # XXXX has Violated my rights 15 U.S.C 1681 section 602 A states I have right to privacy. 15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not Furnish 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 2022-07-12
Company: Experian Information Solutions Inc.
State: CA
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 privacy rights are continuously being violated per 15 U.S. Code 6802. I did not provide any expressed consent to the following companies to furnish information onto my consumer report : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. Also, the following financial institutions are in violation of my rights, being that they did not clearly and conspicuously provide me with the option to opt of consumer reporting. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No acct number ) ; XXXX XXXX ; XXXX XXXX XXXX  XXXX ; XXXX  ; XXXX XXXX. I was not given a choice whatsoever. No consent is identity theft! On four occasions, I have contacted the three major credit reporting agencies XXXX, XXXX, and Experian, via certified mail, informing them of these matters and nothing was done as a result. These agencies do not seem to not have any respect for my privacy, as it states they are to have under 15 U.S. Code 1681. I have no indication that any fair and equitable procedures or investigations took place as a result of my dispute requests. None of the remarks or comments for the disputed accounts stated that they were in dispute, nor did I receive any notifications or alerts informing me of a dispute. I also requested that I be sent a copy of my consumer report upon completion of said investigations, which I was never mailed any. Lastly, I also informed the reporting agencies of several instances of incorrect data. I took my precious time to highlight, annotate, and remark my tri-bureau consumer reports so that they could have an easier time investigating. Nothing has changed on my reports. Myself, as well as the credit reporting agencies, are able to see the same exact proof of inaccuracies, yet they have done nothing about it. There are also discrepancies regarding payment history for a couple of accounts that I do not wish to have removed, but to have corrected instead from XXXX XXXX XXXX XXXX, and 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 2023-04-11
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:
I am writing to delete the following information in my file. The items I need to delete are listed in in the report. I am a victim of identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity theft Affidavit. Please delete the items as soon as possible.

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 2023-06-20
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:
I had two forms of payments on my account for automatic deductions and have never been late on my account. 

My brother had XXXX XXXXXXXX and I left for six weeks to take care of him and my parents or father who has XXXX. It was a nightmare having to tell my dad everyday that his son was XXXX and watch him sobbing. 

During the six weeks when XXXX tried to pull my payment my bank did not have funds but I was not worried because I had a second account on my account with them. I also did not know the payment was missed. 

When I returned home after my brothers funeral and noticed the payment was missed I made it immediately. I was told by upgrade even though I have a backup account they can not pull from this account. I explained my situation and showed them my airline tickets for my six week stay and my brothers funeral announcement. XXXX stated if I sent in a complaint to the bureaus they would take this late payment off my credit and I have tried twice and they still have it on my credit reports. 

This has made my credit drop over XXXX points and has hurt me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This credit bureau is saying that I have two late payments on my XXXX account. Although my credit score is good this false late payment account is causing me to be denied. When I look at the XXXX account they are reporting two late payments from, They continue to deny my dispute and they dont take me seriously. I have never had aa late payment with my student loans. My loans have recently been forgiven as well. They seem to have separate each loan account and not put it into one. This is hurting my credit for credit because it says two late payments. The truth is I was always on an income driven repayment plan with XXXX. Even before my student loans were forgiven the balance was {$0.00}. When I try to call or dispute online they always give me excuses. this isn't a valid late payment and is an error. I am not sure why this company has this as late as that is untrue and very unfair. I have tried to fix this to no resolve and they refuse to help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12
Company: EQUIFAX, INC.
State: CA
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:
MY name is XXXX XXXX XXXX Someone have fraudulently have try to buy home and they, have have applied for credit and this company Equifax put 3 negative negative inquiry in my credit report like you see bellow i contacted Equifax and they have not remove them from my credit report i try calling them and they did the removal care in proceeding in he removal here is my Confirmation # XXXX with Equifax Equifax Credit Report for XXXX XXXX XXXX Name of Company Date of Inquiry XXXX XXXX XXXX : :XXXX XXXX Show Details XX/XX/XXXX XXXX : XXXX XXXX XXXX Show Details XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX  : XXXX XXXX Show Details XX/XX/XXXX Please have this company remove this fraudulent negative bad review from my credit. 



AND THE SAME HERE WITH XXXX MY name is XXXX XXXX Someone have fraudulently have try to buy home and they, have have applied for credit and this company XXXX put 2 negative negative inquiry in my credit report like you see bellow i contacted XXXX  and they have not remove them from my credit report i try calling them and they did the removal care in proceeding in he removal XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please have this company remove this fraudulent negative bad review from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Experian Information Solutions Inc.
State: CA
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:
These creditors are in direct violation of my consumer rights and it's AFFECTING my character as I ambeing violated. Please remove these unknown items listed in this report ASAP or I will be force to pursueother options. According to 15 US Code 1681B I didn't give any permission to anyone or approval for mycredit to be assainated the way it's being attacked. This information isn't fair or accurate, in addition pleasedelete and remove permanently the address and inquires that is also in violation ADDRESS XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. THISINFO IS ALSO INACCURATE & UNFAIR ACCORDING TO 15 US CODE 1681B. INQUIRY XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX  ( XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX XXXX, XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XXXX ) Credit Card Opened by the Thief Company or Organization : XXXX XXXX  Account Number : 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