BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
UPDATE TO CLAIM XXXX UPDATE TO CLAIM XXXX UPDATE TO CLAIM XXXX UPDATE TO CLAIMXXXX I AM SO TIRED OF THIS BACK AND FORTH BETWEEN TRANSUNION AND THEM PERFORMING BUSINESS MISCONDUCT AGAINST THE UNITED STATES CONGRESS AND ITS LAWS UNDER THE FCRA . CONGRESS DEMANDS THE ELABORATE MECHANISM WHO IS TRANSUNION TO EXCLUDE! TRANSACTIONAL ACCOUNTS UNDER 15 USC 1681a ( 1 ) ( 2 ) AND TRANSUNION WILLFULLY PERFORMS AGAISNT CONGRESS AND HAS NOT REMOVED THE ACCOUNTS REQUESTED AS DEMANDED BY CONGRESS. TRANSUNION IS IN CONTRACTUAL BREACH OF THE METRO 2 COMPLIANCE AGREEMNET 2-1 page 18 WHICH CLEARLY STATES " Automated Data Accepted by all consumer reporting agencies, the Metro 2 Format enables the reporting of accurate, complete and timely credit information. Meets all requirements of the Fair Credit Billing Act ( FCBA ), the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ) and all applicable state laws. '' THIS REQUIREMENT UNDER METRO 2 COMPLIANCE INCLUDES 15 USC 1681a ( 1 ) ( 2 ) EXCLUSIONS!!!!!! TRANSUNION IS IN FEDERAL VIOLATION ND METRO 2 COMPLIANCE VIOLATION FOR WILLFULL NEGLECTION OF GRAVE DUTIES

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 2022-08-10
Company: ERC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act 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 2021-05-18
Company: Experian Information Solutions Inc.
State: WI
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX had a fraudulent account started in my name. I have contacted them numerous times and they have not answered any of my phone calls or emails. I also talked to experian, today and they said that they are going to look into this, and no more than 5 minutes later I got an email stating that their investigation was complete.

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 2023-11-07
Company: Experian Information Solutions Inc.
State: GA
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:
I have reached out to all three credit bureaus about the inaccuracy of my report. I have two bankruptcy on my credit profile which is preventing me from obtaining federal employmentXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX career this has been damaging me for years. Ive sent letters to bankruptcy court and they stated they do not report my information to the three credit bureaus. I reached out to XXXX XXXX and Experian they have failed to remove the public record. But they constantly send stall letters after I have asked for a full investigation and removal. This is a nightmare. They have been in violation of the FCRA and CFPB under 15.U.S.C 1681 604 the right to consumer privacy. Please remove this from my credit profile.

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 2023-05-02
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This is ridiculous! Midland funding is trying to sue me for a debt that doesn't even belong to me. This is a fraudulent lawsuit and they shouldn't be able to treat consumers like this. They submitted 2 exhibits to the courts that were copies of invoices. First of all, that's not even a form of debt validation. Secondly, the CFPB has addressed them about fraudulent lawsuits so why do they keep doing this to consumers. This is abusive behavior and they are misleading the court system with false information and it's a violation of the FDCPA! This lawsuit needs to be dropped immediately! I am requesting that they provide the following information : Please provide the following information XXXX. Name and address XXXX. Name on file of alleged debtor XXXX. Alleged account # XXXX. Address on file for alleged debtor XXXX. Alleged account # XXXX. Amount of alleged debt XXXX. Dates ( this alleged debt became payable ) XXXX. Date of original charges or delinquency XXXX. Was this debt assigned to a debt collector or purchased? 
XXXX. Amount paid if debt was purchased. 
XXXX. Commission for debt if collection efforts are successful Please attach copies of the following : - Agreement with your client that grant Midland Funding the authority to collect this alleged debt - Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector - Any agreements that bears the signature of Debtor, wherein agreed to pay Collector. - All statements while this account was open - Have any insurance claims been made by any creditor regarding this account? Yes or no- Have there been any judgements been obtained by any creditor regarding this account? Yes or No Please provide the name and address of the bonding agent for Midland funding, in case legal action becomes necessary : Authorized Signatures of Creditor : _________________ Date : ______________

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I have recently gone through my XXXX XXXX and discovered that there is an instances of late payments recorded on an account where I have never been late before. It is crucial for XXXX XXXX XXXX to fulfill their duty of accurately reporting consumer information to the best of their capabilities. I would like to bring your attention to the account in question : XXXX with the account number XXXX I kindly request a thorough investigation into this matter and ask for evidence in the form of statements that demonstrate the lateness of these payments. If it is not possible to provide such proof, I insist that these payments be rectified and updated to reflect their true status as on-time payments. I have never been late, and it is essential that this information be accurately represented. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX # XXXX Account name : XXXX  XXXX  ( Original Creditor : XXXX XXXX  ) # XXXX, Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) # XXXX Account name : XXXX ( Original Creditor : 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.

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 2023-07-05
Company: Experian Information Solutions 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:
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 by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: IL
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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I first verified my external accounts ( XXXX XXXXXXXX XXXX XXXX and XXXX XXXX ) with small security deposits made by XXXX. I then initiated XXXX transfers on the XXXX XXXX, using Fifth Third 's online banking website to conduct these transfers, in order for me to fund my Fifth Third account. The first transfer from my XXXX  XXXX XXXX account for {$8000.00} and the XXXX transfer from my XXXX account, for {$5000.00}. 

However, I got a voicemail a day later to say that I needed to verify my account, unfortunately I missed the call and was not able to catch them in time before they cancelled my transaction. But I did speak to them a day later and they told me the funds would be returned to my accounts from where they originally came from and it may take up to XXXX business days. It has been almost XXXX weeks now and I have contacted XXXX bank and they have not helped me in this matter whatsoever. I do not know where my money is being held up and why it isn't getting returned to my accounts since they rejected it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: CA
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 one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX and XXXX, XXXX. XXXX. Please delete these accounts ASAP.

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 2019-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 tried to handle this with the bureau.They have ignored my concern and have continued to report inaccurate information that stems from identity theft. I have submitted a police report and theft affidavit but they have ignored them and have yet to remove the fraudulent information. 

They need to follow the guidelines of the FCRA 605 section and immediately remove all of the fraudulent activity.

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 2020-02-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/XXXX-present Fifth third bank continues to have unusable online banking. There are complaints all over their social medias from hundreds of people with the same issue for the same amount of time. Not only is the online banking not working, the company refuses to communivate with their customers or give updates. At most they have a random person give generic answers to a few comments and thats it. When you call their customer service line they either do not pick up to talk to you, or you waste an hour of your time to talk to someone who has no idea whats going on, or has no way to give a status update. This is unacceptable, these incidents are not far and few inbetween. 
If one only reads the horror stories on fifth third banks social media accounts and reviews that were given, the reader would surely just think this bank is filled with crooks. It was only a few months ago that fifth third bank went down entirely and no one could access their funds, with no communication from the bank, other than a few responses to comments on their XXXX, nor could anyone get any kind of answers. Something needs to be done about this company immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Below is the complaint I just sent to Navient. 
" I recently came across an article written in the XXXX titled " The Accusations Against Navient '' and my issues is specifically in section # 3 " Handling Payments Incorrectly. '' I have had an issue with Navient regarding this issue and I would like something done about it. On XX/XX/XXXX, I started making payments on my loans. Since my Subsidized Loan ( current balance {$6300.00} ) is at 0 % interest thanks to the benefits of XXXX Military, I requested my mailed in check payments be allocated to my Unsubsidized loan ( current balance {$13000.00} at 5.75 % ). This was a painstaking experience because each time I had to call and spend a minimum of a half hour talking with a customer service agent to ensure my payments would be allocated solely to the Unsubsidized loan. Fortunately, after each phone call, I was able to get my payments allocated properly. However, starting on XX/XX/XXXX, Navient would no longer allocate my payments to just my Unsubsidized loans stating that I could not do that since it was a consolidated loan. After arguing for some time, I had enough with it and gave up. My question is why could I pay on my Unsubsidized loan only from XX/XX/XXXX, through XX/XX/XXXX, and then not be able to do so starting on XX/XX/XXXX? This is frustrating and I 'd like something done about this. My next step, if not handled properly, is to follow through with media sources and the consumer protection agencies. '' I have created a spreadsheet with all my payments proving my case that I would happily share with you. Thank you for your time and help with this very frustrating issue. 

Very respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my loan in XXXX with Cardinal Financial Company, LP. Since XXXX, I have requested via phone ( 5 times ), email ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) and secure message via their website ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) payment via escrow of my Home Owner 's Insurance. Also, in XXXX, I provided my new loan information to the Home Owner 's Insurance company to resubmit the bill to Cardinal Financial. 

Each time I call, I am on hold for 45+ minutes and the call either disconnects or I am asked to leave a message to which I never receive a response. 

I have received a notice from the mortgage service company of a delinquent status in my obligation to secure and maintain adequate home owner 's insurance. The notice also indicated if this was not rectified that the service company would purchase home owner 's insurance on my behalf. 

I am unsure as to how to resolve this given their extreme lack of responsiveness. 

I am concerned of this lapse in coverage and my inability to resolve this issue despite multiple, proactive steps on my part. 

Thank you.

Company response to consumer: Closed with explanation