BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
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:
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.

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 2023-08-18
Company: Experian Information Solutions 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 was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be updated. 

1. XXXX  Date of inquiry : XX/XX/XXXX 2. XXXX XXXX Date of inquiry : XX/XX/XXXX 3. XXXX  Date of inquiry : XX/XX/XXXX 4. XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX 6. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX 9. XXXX XXXX XXXX Account Number : XXXX 10. XXXX 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
Consumer complaint received 2023-08-13
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called and emailed Mohela two times and sent them proof. my credit reports are showing my student loan balance twice. Mohela assured me they would call me back after I sent proof, I have not heard from them and it has not been fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Experian Information Solutions Inc.
State: SC
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:
Beginning Winter of XXXX after requesting my consumer report- I started a dispute THROUGH EXPERIAN for XXXX XXXX XXXX about INACCURATE information on my credit. This information was disputed through the other credit bureaus and was removed due to INACCURACIES and failure to provide proper proof from the creditor. I submitted written letters ( in which I have copies ) that have stated THIS IS NOT MY DEBT. EXPERIAN claims to have done investigations ( which I counted to Dispute for almost a year ) ; this is false. I have requested for proof XXXX, XXXX, XXXX, XXXX Each month multiple times ( written form ). Just recently, XX/XX/XXXX, I came across an email for from the company in which I allegedly have a debt with ; with a EXTREME DIFFERENCE of what was reported which is still inaccurate. This LETTER IS FROM THE COMPANY AND READS FINAL BALANCE. I have done the work for EXPERIAN. I submitted proof that could have been validated FROM THE EMAILS and signatures attached ( including contact info ). EXPERIAN wont allow me to dispute this!!! They will not investigate and have not investigated. I provided documentation to support my argument and XXXX XXXX XXXX HAVE NOT.

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 2023-02-10
Company: Block, Inc.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was the victim of fraud and disputed several transactions with Cash App on XX/XX/XXXX. I have tried on countless occasions to communicate with the support team. After I initiated the disputes and went through the investigations process, I was sent an email letting me know that the disputes were resolved in my favor but access to my cash app account was restricted/deleted and cash app kept the funds that were supposed to come back to me. On XX/XX/XXXX at XXXX XXXX - {$300.00} withdrawal. On XX/XX/XXXX at XXXX XXXX - {$300.00} withdrawal. XX/XX/XXXX at XXXX XXXX - {$300.00} withdrawal. XX/XX/XXXX at XXXX XXXX - {$100.00} withdrawal. On XX/XX/XXXX I got email from support letting me know they resolved the disputes in my favor. Email : XXXX XXXX, Your Cash Card dispute claim ( XXXX ) was resolved in your favor and is now complete. A credit has been applied to your Cash App balance and is ready to use. We appreciate your patience throughout the dispute process. Cash App Support ref : XXXX : ref I responded to that email immediately letting them know I could not access the account and after many many emails and I was never able to gain re entry to my account and my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXXXXXX 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 2023-09-08
Company: RNN Group, Inc
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a call from a company called RNN Group. They claim to be employment verification. I have not applied for any new employment or a big purchase such as a house or car. This person calls everyday and sends emails but will provide no infiormation verifying who they are or who they respsent in the verification. The person calling gave the name of XXXX and a reference number. I reached out. This person was not at their desk the 3 times I called. I left a message. So I called the main line and the person that did answer ( XXXX ) would not verify any information even though I had the reference number, rep 's name, and phone number which was given to me by HR.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: FL
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06
Company: LEXISNEXIS
State: MI
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 filing a complaint against XXXX regarding an inaccurate credit reporting on my XXXX Credit Report. They are reporting a bankruptcy which was reported to them by LexisNexis. This was totally wrong and I contacted LexisNexis right away to get this corrected. As of XX/XX/2021 LexisNexis deleted this inaccurate bankruptcy from my records. After this was deleted I immediatley contacted XXXX and informed them that this bankruptcy was deleted by LexisNexis and that I want it now removed from my XXXX report as this was corrected by the data furnisher. XXXX AGAIN verified this fraudulent bankruptcy as accurate. This is my final complaint regarding this same issue before I file a lawsuit against XXXX  for violations of the fair credit reporting act. I need this bankruptcy number XXXX to be deleted from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Optio Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a {$120.00} debt collection on my credit report with Qualia debt collection. They have no record of this and I would never not pay a {$120.00} bill. This is incorrect. Qualia debt collectors has absolutely no record of this. They couldn't find me in their data base. Incorrect report on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Honda financial services is not sending me the documents I need to register my leased vehicle in the XXXX of NY. They have kept me waiting for XXXX weeks so far. Every time I call, the representative I talk to feeds me lies and starts gaslighting me, with absolutely no reason. I keep paying for a car that I can not use. This is causing me major issues with my job and affecting my mental state and my anxiety. I want my documents and Honda must send them to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XX/XX/2022 Mailed dispute letter for verification of late payments on credit card accounts on consumer report. Demanded proof. Proof not received and its been over 30 days.

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 2021-10-06
Company: DISCOVER BANK
State: SC
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:
XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance on XX/XX/XXXX {$3000.00} {$2500.00} DISCOVER FIN SVCS LLC Account number XXXX Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$6900.00} {$6500.00} XXXX CARD Account Info Account number XXXX Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$11000.00} {$10000.00} 2. I am a victim of identity theft ; my personal information was stolen and used to obtain loans and credit cards. However, I was in prison from XX/XX/XXXX to XX/XX/XXXX when the fraud did not happen nor I have not benefited from any of this. I provided proof that I was incarceration ( identity theft report, the accounts, paper work from the government of my incarceration and validation letters ) to the creditors and all 3 credit bureaus ( XXXX, XXXX and XXXX ) XXXX and XXXX was completed but not XXXX which they continue to keep reporting to the credit bureaus. I notified the credit bureaus several times and kept getting the same response ( verified ). They have not provided no evidence to prove that these accounts belongs to me. No signature that matches my handwriting or coming into any of their facilities ( of course i was in prison ). I have tried every method going back and forth which is giving me no justice at all. This has caused me XXXX, XXXX and XXXX. I would like the accounts removed immediately. I provided all my evidence to prove that it wasn't me even down to the signatures on loan documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06
Company: Scheer, Green & Burke L.P.A.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2021, I received a letter from Scheer, Green , & Burke Co. L.P.A about a " debt that was owed ''. On XX/XX/2021 I mailed out a debt verification letter requesting the following : To whom do you think I owe this debt and what amount do you claim I owe? I will need the name, address and account number for the creditor, in addition to the amount owed. If this debt started with a different creditor, I will need the name, address and account number for the original creditor, the amount owed and the date when the debt was transferred. 
Please provide a valid basis for the debt, such as the original contract between me and original creditor. In addition, provide documentation showing you have verified that I am responsible for this debt, or a copy of any judgment. 
Tell me the date the debt became delinquent and the date the last payment was made. If any payments have been made on the account since the last billing from the original creditor, please show an itemized list of those payments with dates and amount paid for each item. 
Provide me a copy of the last billing statement from the original creditor. If any fees or additional interest charges have been added to that statement, explain how those fees or additional interest charges are permitted, either by the original contract or by law. 
Documentation showing you are licensed to collect debts in Michigan. I request the name on the license, the license number, and the telephone number of the state agency that issued the license. If you do not have a license please explain. 

I sent this letter via Certified Mail on XX/XX/2021 with the estimated delivery date of XX/XX/2021. From the tracking number on the certified mail I can confirm that it was delivered on XX/XX/2021. 

Currently it is XX/XX/2021 and I have not received a letter back validating the debt or providing any of the information I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed two disputes with Wells Fargo. They waited three weeks to reach out to ask any questions. When they finally called they tried violating the HIPPA rights of a patient. The agent was combative after being told she could not violate HIPPA rights. The Wells Fargo employee closed out the disputes and stated it was at my request when I stated I would contact CFPB regarding the dispute.

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 2021-10-06
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:
On XX/XX/2021 I sent a letter to the Experian to notify them that there are some inaccurate accounts as a result of a data breach on their credit report for me. This is well over 45 days ago and I am unsure why this fraudulent inaccurate information has not been removed from my credit report yet. This is also causing an issue because there are several companies stating that I owe money on accounts I have not opened. I sent the bureaus an identity theft affidavit, identification, and proof of address yet these inaccuracies continue to report. Please see the attached affidavit and information sent to Experian

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 2021-10-05
Company: SYNCHRONY FINANCIAL
State: AZ
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:
Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX  Utah XXXX tried to credit my payment and got the routing numbers wrong on my payment. They could not process the check notified me by E-mail that it was insufficiant funds. I have overdraft protection on the account so not the problem. I called they got it straightened out but they put a closed account on my credit history. Called them said would not open the account and that I would have to reapply to have an account. Told them what they did was their fault not mine and it would affect my credit score. Again was told I would have to reapply. I told them I would bring them to small claims court and file a complaint with you. Their actions affect peoples credit scores and could cost people higher interest rates. They corrected it on my account but I still think they should not be doing this to people and need to correct their system.

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 2023-11-30
Company: EQUIFAX, INC.
State: FL
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:
Dear XXXX, Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. 
Please be advised that this is my THIRD WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

You have NOT provided me a copy of ANY original documentation required under : Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 
XXXX - XXXX - Under 15 US Code 1681b permissible purposes of consumer reports- You are reporting this late during to COVID19 Pandemic. Please update to never late. 
XXXX XXXX - XXXX - Under 15 US Code 1681b permissible purposes of consumer reports- Please update to never late! 
XXXX XXXX - XXXX - Under 15 US Code 1681b permissible purposes of consumer reports- Please update to never late! 
XXXX - XXXX - Under 15 US Code 1681b permissible purposes of consumer reports- Please delete immediately! 
Incorrect Name - XXXX XXXX - This is wrong and needs to be removed immediately! 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX- This is wrong and needs to be removed immediately! 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX- This is wrong and needs to be removed immediately! 
P.S - Please remove all non-account holding inquiries over 30 days old. 
P.S - Please add a Promotional Suppression to my credit file. 
P.S - Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
With Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: MOHELA
State: GA
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:
On XX/XX/XXXX I called Mohela student loan Public Safety Loan Forgiveness program to see when my discharge letter would be mailed for the PSLF, Public Safety Loan Forgiveness program. They tried to take me off the PSLF and put me on a different payment plan. I finished college in XXXX, at that time I was a XXXX XXXX worker ( XXXX for the XXXX of XXXX ). In XXXX I began making payments on my student loan. When the PSLF first came out I signed up for the loan forgiveness. I called back to see how things were going shortly after signing up for the PSLF. They told me everything looks good and I will receive a discharge letter. 

I called back on XX/XX/XXXX XXXX XXXX they told me they were waiting on the other side to make a decision. They told me I made XXXX payments and needed XXXX more payments to equal XXXX. I told them I made XXXX payments. They said yes you did but we accepted only XXXX, had something to do with subsidizes in which all this is new. When I first signed up I was waiting on a discharge letter now this is new trying to have me to continue to pay on a different program and disregard my PSLF in which I made XXXX payments!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief