BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-19
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this account was closed about 2 years ago returned equipment the person that helped me out said everything was good i asked for a receipt he said i did not need a receipt i will not pay I'm struggling financially i lost my wife to XXXX XXXX i am getting text messages & e-mails from these people i will not pay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-18
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have inquiries that are the result of fraudulent activity, they have not been authorized. My information was also compromised in the Equifax Data  Breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

JPMCB - CARD SERVICE XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : XXXX XXXX CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and correct XXXX XXXX XXXX  XXXX XXXX Balance : {$39000.00},

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 2022-06-12
Company: Credit Karma, LLC
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Credit Karma I Had Fraudulent Activity Happen In my account and I contact credit karma and let them know the situation sent them all documents from the incident that occurred with Proof! and a Police report dates times everything Credit Karma Frozen My account, And my direct deposit from my employer is going into this account it's been over a Month and they won't release the freeze on my accounts I call every day and customer service tells me the Higher Up department has my case and the Only way to contact them is through Via Email I Repeat I Call Everyday and each time I call they quote unquote I am Escalating your information to the XXXX XXXX where they have your case because the cases is in XXXX I ask them please can my account be unlock and they state they can't see my file because my case is under review I've been called a lier, and been disrespected and discriminated by an employee a customer service or could've been higher up I don't know however I'm just asking for my account to be unlocked I complied with everything asked of me but they're not complying at all dates start XX/XX/2022 to Current with no Updates and no emails I have all supporting documents and each email of Repeat it information asked from them if they can unlock my account and still do their investigation it would be Greatly appreciate it I've been ever so stern about this situation I'm getting upset and All Call Say They Are Recorded..I Keep Getting The Run Around I Need To speak to Anyone Other then Customer Support they are all XXXX and you can't understand nothing they're saying.. Credit card needs to be sued And investigated They are a Scam...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 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 explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX 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. 


Delete these fraudulent items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This account is XXXX XXXX XXXX Account # : XXXX, not mine. I find this fraudulent. Kindly remove this immediately as this may damage my reputation as an employee.

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 2022-07-07
Company: Atlanticus Services Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On two occurrences, I was reported late to the credit bureaus for missing a payment. Once in XX/XX/XXXX and in XX/XX/XXXX. I was never informed via phone, email, or mail correspondence that a payment was due or missed. I even logged into Fortiva 's portal to make a payment in XXXX and it showed that there was no balance due which I assumed I had just made an overpayment as I have done in the past. I have a history of making my payments to Fortiva on time. 

I was notified of the payment by credit reporting alerts not by Fortiva themselves. I immediately contacted Fortiva via their chat option and was told that my issue would be escalated to a supervisor for a callback in regards to the discrepancy in XXXX business day and I never heard back. 

I then contacted Fortiva again via chat on XX/XX/XXXX again and received the worst customer service that I have ever received in my life. I explained to the representative that the payment did not show due in their portal and that I did not receive any communication from Fortiva regarding this payment and explained how this inaccuracy is preventing me from buying a home for me and my children and the representative gave no empathy or showed any desire to even try to help. She at one point denied reporting a late payment to the credit bureaus and even stated that nothing has been reported to the credit bureaus on my account since XX/XX/XXXX. I asked for supervisors, chat transcripts, and names of departments that I would be escalated to just to receive refusals to answer. 

I had to ask numerous times for the agent to look further into it because I was looking at my credit report and showing that that was true. She then gave false hope and acknowledged that they would try to help, got my hopes up that this would finally be rectified, just to come back, killing my hopes and refusing to provide no answers. This interaction and experience with Fortiva have caused me a great deal of XXXX and XXXX. 

I had to screenshot the chat after being denied a transcript of any of the chats I had with them being told by the representative that " we do not have that option ''. 

I asked for my issue to be escalated again just for the agent to agree, I then asked what department would my issue be escalated to just to get the response " Unfortunately, we do not have that option. '' again! 

There is much more that was said during my interactions with Fortiva that I could not believe as I have spent well over an XXXX  in communication with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
There is no means to freeze my credit with Experian. I was able to successfully freeze my credit on the other 2 bureaus. But Experian doesn't allow an option to freeze my account from within my already registered and verified account. It forces you to fill out a form here XXXX XXXX XXXX So I have re-entered the information ( which is less secure than a verified session after being logged in behind two-factor authentication ) But even filling out the form accurately it will return an error " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. '' This is unethical practice to make security freezes near impossible to achieve to push their paid service which does the same thing called " XXXX ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was confused about some reporting on my credit reports among the 3 bureaus. None of it was consistent so I sent letters to the original creditor, and I copied all three bureaus with my concerns. 

XXXX responded by removing missed payments from my report, but LOWERING MY SCORE XXXX points! XXXX responded by denying the dispute although I asked for clarification from my original creditor, not the debt holder. 

I also sent a letter asking that all addresses and phone numbers be removed from my report, and that has yet to happen. The addresses and phone numbers I do not recognize, and I provided my updated information. 

Upon further investigation, I learned that the reporting is NOT Metro 2 compliant. Which explains my confusion.

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 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
3 times I have asked Trans Union to place a statement on my report with them concerning XXXX, twice in writing and once by phone and to send me a new credit report with that statement on it. Trans Union has refused to to add my statement and send a new report with that statement to me. It appears Trans Union is not intrested in the consumer only the Financial institutions!

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 2023-06-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023, I disputed a charge from my checking account after determining that an individual made a fraudulent purchase from an online merchant using stolen login credentials. On XX/XX/XXXX, my bank notified me that they determined the charges were not fraudulent. I had previously cancelled my card as a result of this transaction and taken action with the merchant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
XXXX accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXXk XXXX # XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act 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

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 2023-09-05
Company: EdFinancial Services
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX I sent a complaint to the Consumer Financial Protection Bureau because I could not access my account after repeated attempts and working with customer service. EF said my account was fully loaded on XX/XX/XXXX. Good for you except I can not access it. Yes I did register a new account online after that as requested after transferring to the new system. The last time I contacted EdFinancial was on which was on XX/XX/XXXX and it shows a successful log-in. Yes and No. That was the day customer service was helping me try and gain access. I was able to get in for 30 seconds. I went out and tried to get back in again and it would not give me access. I have used different internet browsers. And yes I have reset the password. None of EF responses were helpful because I and customer service have done this repeatedly. Every time I try and log in, I get an error message that says to reset my account. And every time we do that, and I try and log in, it loops me back to the same error message. On EF side, everything looks great per customer service- you are not getting any error messages but I am. I CAN NOT GAIN ACCESS TO MY ACCOUNT!!! There is a problem with your system or my account that needs to be fixed. The customer service rep did all he could ; he enrolled me in the SAVE plan on the phone and toggled something so that all bills and correspondence are sent via US mail. Because right now, it is the only way I can pay or know anything because I can not access my account. Something is messed up. Please fix it!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Some of my loans being held by XXXX were transferred to FedLoans in XX/XX/2017 ( I was not made aware this transfer was happening ). I had made a payment online early in XX/XX/2017 with the payment date set for later that month for loans already being held by Fedloans, but by the time the payment had posted my other loans had transferred, so the amounts we allocated incorrectly. It ended up showing all of my loans as not paid in full. I immediately spoke to someone at Fedloans and was told they would regenerate a bill the missing amount for that month for me to pay in full ( {$10.00} ) and the payment would be counted as it was a mistake made through them. A bill was never sent. I have continued to call and complain to get this fixed and have been given different information every time, including that they would just do an override and count the month toward PSLF and I did not need another bill to be generated. I want this resolved and the month counted as it should have been.

Company response to consumer: Closed with non-monetary relief