BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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 2023-01-01
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 loan is a US DEPARTMENT OF EDUCATION LOAN FOR THE AMOUNT OF XXXX $ However it was opened XXXX XXXX which was a education loan. However I have tried disputing this loan and asking for a deletion of this account because I was not EVER in a college during this year. Somehow someone has gained access to my information and applied for a education loan in my name. I have not had any feedback about this account. This account is still opened and it is showing on my credit report. It has damage my credit report heavily. 

Im asking you guys do a thorough check and have this creditor remove this item please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
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: Account information incorrect

Complaint:
In XX/XX/XXXX XXXX, XXXX University and/or its representative falsely certified eligibility to receive XXXX XXXX funds on my behalf by forging my information. I have never taken out a XXXX XXXX XXXX or signed off on a Promissory Note to provide monies to XXXX University. 

XXXX : The original loan servicer, sent to me thru the Consumer Financial Protection Bureau on XX/XX/XXXX a response letter stating that the XXXX XXXX loan was placed with XXXX  on XX/XX/XXXX and on that date the loan became in deferment. Please see the attached letter. 

However, after a request of validation of the XXXX XXXX to XXXX University, the current US Department of Education loan servicer provided a Promissory Note from XXXX University, alleging that the XXXX XXXX was signed and became effective XX/XX/XXXX. In addition I would like to point out that the Promissory does not include my signature. Please see attached. 

Attached is also the XXXX XXXX XXXX  Year Summary, that I received from the XXXX XXXX, XXXX XXXX on XX/XX/XXXX. The summary clearly states, XXXX XXXX XXXX {$0.00}. 

I also have dated correspondence from XXXX University in several failed attempts from XXXX University to get my signature for a XXXX XXXX that I did not request, need or sign. This information is being provided to the XXXX XXXX Ombudsman Group. 

I am requesting that XXXX and XXXX University remove all of the late payment of XXXX and XXXX  days from my credit report with the Credit Bureaus immediately. 

I am also requesting that XXXX and XXXX University have XXXX remove any and all collections from my credit report and remove reported XXXX XXXX loans from the US Department of Education. IMMEDIATELY.

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 2020-07-10
Company: CBC Companies, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute with credit bureaus in regards to incorrect items on my credit report. It has been over 30 days since my dispute and I have not received any feedback or results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I am filing this complaint for myself not anyone else. Remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

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 2022-05-17
Company: Experian Information Solutions Inc.
State: KY
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:
In 2019 I interviewed a girl named XXXX XXXX for a possible part time roommate for a friend of mine. She preceded to move in with this friend and stole my Identity. At the time my purse, Id, clothes, jewelry, birth certificate, and car went missing. Also credit cards, checks and merchandise adding up to over {$10000.00}. Ive reported to all agencies including a police report, IRS and credit bureaus. So Im finally repeating this last time to you all. I was made aware of this in 2019 when my credit score was abruptly taken down.

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 2022-05-17
Company: EQUIFAX, INC.
State: KY
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:
In 2019 I interviewed a girl named XXXX XXXX for a possible part time roommate for a friend of mine. She preceded to move in with this friend and stole my Identity. At the time my purse, Id, clothes, jewelry, birth certificate, and car went missing. Also credit cards, checks and merchandise adding up to over {$10000.00}. Ive reported to all agencies including a police report, IRS and credit bureaus. So Im finally repeating this last time to you all. I was made aware of this in 2019 when my credit score was abruptly taken down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Experian Information Solutions 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:
Experian continues to repeatedly, consistently, and willfully be negligent by violating my federally protected rights under the Trafficking Victims Protection Act ( TVPA ) /Regulation V, FCRA and FDCPA. On or about XX/XX/2023, I entered into Experian 's website, via the e-OSCAR system, the federally required documentation to evidence my victimization under TVPA/Regulation V. On or about XX/XX/2023, Experian sent an email denying my documents and request to have certain specific information deleted. I also resubmitted the documentation Experian requested even though that information was already submitted to Experian in the initial submission. Still Experian was willfully negligent by not complying with the federal law of TVPA and SUBJECTED ME to FURTHER VICTIMIZATION. Experian continues to subject me to further victimization by failing to follow federal law of TVPA and Regulation V in regard to my status determination of being a victim of human trafficking. I submitted a third complaint regarding this SAME ISSUE to CFPB ( Complaint # XXXX ) on XX/XX/2023. On XX/XX/2023, Experian BLATANTLY stated in THAT RESPONSE that they were NOT GOING TO HONOR MY REQUEST even though THEY ARE IN VIOLATION OF FEDERAL LAW because I " DID NOT SUBMIT A VALID DETERMINATION LETTER FROM AN XXXX... '' Experian HAS NO LEGAL BASIS NOR AUTHORITY TO MAKE DETERMINATIONS AS TO THE VALIDITY OF A VICTIM DETERMINATION LETTER. NOWHERE IN THE FEDERAL LAW was Experian nor any credit reporting agency and/or data broker, provided or granted the leeway, legal basis, and/or legal authority to usurp or maneuver the law to deny trafficking victims their rights by making their own determinations as to the " validity '' of their XXXX victim determination 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 2022-05-17
Company: EQUIFAX, 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 Credit Reporting Act 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 setcion 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 2022-02-03
Company: Square Inc
State: IL
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:
I received an unsolicited XXXX Debit card from CASH APP. Someone used my identity and information to open the account. My complaint is in regards to how difficult it was to contact CASH APP and get them to close the account. It took me 5 days, 15 phone calls an email and finally a XXXX message to finally get someone to help me and close the account. CASH APP is very difficult to reach. When an individual is experiencing identity theft the financial institutions involved must be easy to contact and quick to react. CASH APP is none of these things. I would not trust CASH APP with any of my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
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 Credit Reporting Act XXXX  Account # 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 setcion 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 2023-09-12
Company: OPTUM BANK, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
In early XXXX, Optum Bank, the custodian for my Health Savings Account, advised that my debit card ( to expire in 2027 ) would need to be replaced by the end of XXXX with a card being sent to me. After the card didn't arrive, I established that Optum had a dated apartment number for me, in my current building. I updated the address online and requested another card be sent, which was to arrive in 7 to 10 business days. This began a sequence now involving 4 requests for resending of cards that did not arrive. Each time, I called and was told that the send was initiated, and each time, no card. Yesterday, on XXXX XXXX, I called and demanded that a card be expedited to me by an overnight service that would track the mailing. I was told that this time, it would be received within 3 to 5 business day, but that no tracking option was available. So I don't know whether it will arrive or not. 
My complaint is : Optum insisted on replacing a card that did not need replacing, it terminated the former card within an abrupt period of time, it repeatedly failed to get a replacement card to me, and it incompetently can not track its own expedited mailings. 
It is not a worthy financial institution to be administering Health Savings Accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: EQUIFAX, 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:
Good evening. someone has used my identity to try and open some account that i am not aware of. 
XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX `XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX `

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
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:
The loan is a US DEPARTMENT OF EDUCATION LOAN FOR THE AMOUNT OF XXXX $ However it was opened XXXX XXXX which was a education loan. However I have tried disputing this loan and asking for a deletion of this account because I was not EVER in a college during this year. Somehow someone has gained access to my information and applied for a education loan in my name. I have not had any feedback about this account. This account is still opened and it is showing on my credit report. It has damage my credit report heavily. 

Im asking you guys do a thorough check and have this creditor remove this item please.

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 2023-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXX XXXX Bank of America withdrawn money ( {$4800.00} ) from my checking account and paid a credit card without my authorization and refused to refund it back after admitting their mistake. 
my checking balance end up negative during XXXX XXXX weekend and I had no money to take of my family during this holiday. 

I went to B of A branch on XXXX XXXX but they couldn't help. 

they offered to mail a check which will take 5-7 business days but I refused because it's my money and I need it right away for the holiday.

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 2022-05-18
Company: Experian Information Solutions 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 Credit Reporting act XXXX XXXX, has violated my rights. 
Amount : {$100.00} Date : XX/XX/XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 
Amount : {$490.00} Date : XX/XX/XXXX 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 2022-05-18
Company: Dimand Law Offices, P.C.
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Agreed to remove a debt that was caused by identity theft. 
Failed to investigate identity theft Agreed to remove item from credit report because they could not provide a copy of a contract with my signature. Item removed from report and the record will show from my previous complaint onXXXX XX/XX/2021. On the record XXXX agreed too remove the items and out of spite passed the item to XXXX law firm that filed a lawsuit in a state that I do not reside in. All 3 parties are conspiring on XXXX and XXXX  people to try and stiff arm them to pay a bill that does not belong to that person. All three parties should also be dealt with by the FTC. 

Besides the above issues the credit card debt in which they have filed against me is in a state that I do not reside in. I have not resided in that state in the past 7 years. The state in which I resides only allows three years to collect on a credit card debt from the time in which it was delinquent. The statue of limitation for my state that I reside is 3 years and that 3 years have passed by. 

XXXX, Dimand Law, and XXXX XXXX Consultant are running an deceptive STRONG ARM enterprise trying to strong arm XXXX and XXXX  people for credit cards that were a result of ID theft. All three parties need to be reported to the FTC immediately because all 3 are deceptive in nature. I clearly told XXXX at Dimand Law that I do not reside in the state of Illinois and gage pursued a lawsuit any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: EQUIFAX, INC.
State: AL
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 was trying to cosign for my cousin a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX {$1600.00} XXXX  XXXX {$370.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: NAVY FEDERAL CREDIT UNION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Account closed due to fraud. Lost debit card during the time of event so I had no access to the account. Ive since had 2 accounts. Trying to get the status of my XXXX XXXX account fully operational.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
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: Information belongs to someone else

Complaint:
I am a victim of identity theft I sent in a letter with FTC report, copies of my ID, bank statement, and social security card and Equifax has not remove the fraud information from my credit report. I also reached out to the collection and they agreed to remove it. XXXX and XXXX has deleted the fraud accounts but Equifax hasn't done anything. Everything was sent in certified with a return receipt in XXXX. All information is in the letter I sent certified. I demand these 2 collection accounts to be deleted immediately. 

Collections Accounts from XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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: Card was charged for something you did not purchase with the card

Complaint:
There was a charge for $ XXXX on my bank of America card, that I did not make or authorize that a person living here did and she transferred the money with them into a joint account and then drained the money, all behind my back and there is a police report XXXX filled with the XXXX police XXXX CT XXXX, with a XXXX XXXX XXXX I have been trying to chase her down In count but for over a year she is able to keep switching Public defenders so nothing has got resoled in this and I keep getting her Bill

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 2022-05-18
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX XXXX. XXXX  Account XXXX XXXX # XXXX Acct : XXXX and XXXX XXXX XXXX XXXX Acct : 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 instruction 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.

Company response to consumer: Closed with explanation