BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-04
Company: Credit Karma, LLC
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
For multiple days I tried to add my XXXX  XXXX  and XXXX XXXX XXXX  to my Credit Karma Money Acct. It recognized my acct info but would not connect the accounts when they clearly show them as an option to connect or link to credit karma money acct. I would have not signed up an got funds added to credit karma money if I would have known this wouldnt have work. Causing me to be late on paying someone back I had promised to pay back for helping me with my rent due to me not working at the time cause of Covid. An also bills and support for my kids. I am very upset an disappointed. This is false advertisement. Called an spoke with credit karma customer service. The only thing they said was try to add another card. Cause they sorry the accounts dont connect to chime or varo accts. When clearly its showing once you click link accts those two as an option. Spoke with a supervisor she was unable to help me. Couldnt explain why they were on there for an option but were unavailable for use. We did troubleshooting and by uninstalling apps and reinstalling them. Still nothing work. She submitted an escalation or tech support email to see if they could assist me. But no help from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

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. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-11-02
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
i received a statement from aidvanatge today saying i owe XXXX $ payment. i dont understand what is going on

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Transunion, XXXX and XXXX to reinvestigate these accounts : XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX XXXX, XXXX acccount # XXXX  XXXX XXXX bank account # XXXX  XXXX XXXXXXXX XXXX account # XXXX  XXXX XXXX XXXX account # XXXX  XXXXXXXX XXXX XXXX XXXX account # XXXX  XXXX XXXX  account # XXXX  XXXX XXXXXXXX XXXX accout # XXXX  XXXX XXXX  XXXX XXXX account # XXXX  XXXX XXXXXXXX XXXX XXXX account # XXXX  XXXX XXXXXXXX XXXX XXXX account # XXXX  XXXX XXXX XXXXXXXX XXXX account # XXXX  XXXX XXXX XXXXXXXX XXXX account # XXXX  XXXX however they stated everything was complete and accurate. But how is that possible if the open date, date of last activities, the addresses on files and much more is incorrect. 
according to 15 USC 1681i ( 5 ) they are supposed to modify accounts that is not reported correctly or delete them. 

15 USC 1681 SECTION 602 A. states i have the right to privacy. 

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 the records of convictions of crimes which antedates the report by more than seven years. 

15 USC 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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report. Your urgent attention to this issue is highly appreciated.

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 2021-10-17
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
For the past several years I have monitored my credit. I have paid off most debt and have NOT use for credit for any reasons items have been removed because they were my medical records inquiries have been removed because of fraud. I have gone back and forth with XXXX XXXX AND TRANSUNION with little to no help. My reports dont update accurately items are not being removed. I have told each agency those inquiries arent mine. My scores arent being scored properly I am owed at least 70 points on each report.

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 2022-02-04
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was a customer of BMO HARRIS BANK, and my account had a positive balance and at the time, I was a server, so there was always cash deposits being made if it was to ever reach a low balance, I would make sure any bills were paid and covered. My account was compromised in 2018 while I was at work, having had my XXXX being hacked, so I went through data and financial loss. I had no idea what the extent was, but I do know that that BMO locked me out of my account and then had some activity on it post that I was not aware of. I reached out several times and wondered how and why this could happen, if I was locked out of my device and when I logged in on my computer I saw the activity. I could not dispute it, or even reach personal that could help me and I was devastated and took a loss on my credit, my bank account and financial security. I dont know why this happened and it has been something I wish I could have had a resolution to sooner. And so here I am now, years later, knowing more about how to protect my device and financial security. But I am beyond dissatisfied and disappointed with how BMO handled this. They locked me out of my account and funds, and then did nothing but say there was activity on it that was deemed fraudulent and my account had a balance. I was not able to file a dispute a claim anything and it was the most trauamautic financial thing I had to deal with since. Because since then Ive felt like I was that criminal who actually gained access to my account and locked me out and had BMO treat me like I was the one benefiting from that and that was not the case. I hope this gets to the right team and is addressed, because if BMO failed to have my back on app security at the time, and I had Face ID and would always change my passwords if I felt my phone or app was potentially at risk from something that appeared on my phone or a random pop up showed upto say this incident truly had a negative effect on me is an understatement.

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 2023-10-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or amend the following inaccurate accounts in my report : 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 response to consumer: In progress
Consumer complaint received 2023-11-21
Company: PNC Bank N.A.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit score has dropped about XXXX points as of XX/XX/23 due to PNC misreporting mortgage payments for XXXX and XXXX. Payments are on time and have been deposited into escrow.

Company response to consumer: In progress
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: In progress
Consumer complaint received 2022-12-02
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Back in XXXX or XXXX I submitted letters to navy federal and to the three credit bureaus asking them to validate the account that was showing on my credit I asked them to send a written letter showing a signature page or any type of proof that the account was mine, it has now been five months they have not sent any type of validation or written proof to me nor to the credit bureaus and I have asked for these accounts to be removed immediately and they still remain on my credit. I have submitted several disputes and at this point I also have disputed this information with the XXXX XXXX XXXX and now along with you guys.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
duty pursuant to the FCRA, it is TRANSUNIONs to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 2 inaccurate late payments for the XXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/XXXX and a 60 day late payment posted in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. 
Furthermore, pursuant to 15 U.S.C. 1681c ( a ) ( 5 ) ( a ) Information excluded from consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make a consumer report containing any of the following items of information : ( 5 ) Any other adverse item information, other than records of convicitions of crimes which antedates the report by more than seven years.

Here Adverse items are delinquent items.

I have already contacted TRANSUNION two times via letter correspondence and TRANSUNION fail to correct the item as PAID as AGREED.

It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: In progress
Consumer complaint received 2021-10-16
Company: Spring Oaks Capital, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I received a notification that my credit score has changed due to a collection. I logged into my XXXX XXXX account and saw a collection from Spring Oaks Captial LLC for {$570.00} dollars. I contacted the company and informed them that I have no knowledge of this account. The representative claims that she will not only mail me a letter explaining the charge but also email it to me. As of today, XX/XX/XXXX, I haven't received anything from this agency explaining this debt on my account. I want this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am ask for help to get this debt that is over seven years old and should have been removed from all my credit reports but still it remains by a collections agency who keeps updating it ever month and I moved out this apartment because the office ask me to move because I have children who are XXXX ill and my son has one of his XXXX XXXX and tried to attack us and my niece called the police and they kicked in the door and was wrestling with my son and destroyed the house and put holes in the wall and the apartments said it was my fault that the police kicked in the door due to my son XXXX XXXX and put holes in the wall and they said I had to pay for it but I feel the police should pay for it not me my son can't help he is XXXX ill so I moved out and she hired a collection agency to put it on my credit reports because I said I wasn't going to pay for something I wasn't responsible for this happen in XXXX XXXX I didn't have any control over the police kicking in my door and putting holes in my walls I also have pictures of my apartment and the holes in the wall was fixed and the office came and fixed the door and she told me that she was going to make the police pay for the walls and doors they tear up but she lied she put it on my credit instead NATIONAL CREDIT SYSTEM Original creditor : XXXX XXXX XXXX {$5200.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$5200.00} {$5200.00} Payment Info Original balance {$5200.00} Balance {$5200.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments Dispute resolved consumer disagrees Your statements- Contact XXXX XXXX XXXX XXXX XXXX, GAXXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: In progress
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My data and personal information was compromised and I noticed that from analyzing my credit report.This took place since 2020 when I let XXXX, XXXX and Transunion. Know that there was fraudulent and inaccurate accounts and info on my credit report. I'm not sure if the cause was from me losing my wallet on a construction site at the time when I were at work or it could of been from a data breach from XXXX which I was a victim of according to the link XXXX have to fill out your info if you may be a victim of identity theft and your data was breached and I were a victim but this took place before the data breach and from my understanding my info was leaked on deep web.

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 2022-02-03
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Unverified account from debt collector due to 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