BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
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:
Three Fraud Student Loan accounts and Inquiries appearing on my credit report appearing on my credit. 

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 2021-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am requesting that XXXX be deleted due to me being a victim of identity theft. I have contact XXXX XXXX and they have no records and says the account has been transferred. There is no account number listed but it is reporting on my credit report. I have contacted the company and they are not responding to me and this is from my identity being stolen in 2017. 


I ask that they please accept my Federal Trade Commission Affidavit and XXXX Police Report and delete.

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 2019-07-02
Company: AES/PHEAA
State: WA
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:
I am still waiting for Fedloan Services to publish the ability to recertify my income for my income based repayment plan. XXXX had me in the most expensive IBR instead of REPAY. I requested the least expensive option when I applied for the initial IBR from XXXX   because I was going to apply for public service loan forgiveness after 120 payments. 
My original payment was hundreds of dollars more than it should have been but I trusted that XXXX knew what they were doing. I had to have my payment recalculated last year to the repay IBR and it took so long to process Fedloan Services was sending me payment notifications for $ 1400+. Then when my payment was finally recalculated they made it so my new payment would not count for the first month against public service loan forgiveness. I also had to request a deferment for a month for the last 2 years because it takes so long to have them process the annual recertification. Once the magical new payment is calculated there is absolutely no time to budget for the new calculated payment causing a significant hardship and payments that dont count towards PSLF because they took so long it was either enter deferment or cough up $ 1400+ for a non IBR payment until they finally figure out their recalculated payment or risk my financial future and jeprodize my security clearance. 
There is no reason why the loan recalculation can not be done with months for the individual to plan for the new payment. 
Tax filings are due every year at the same time. They are using that information to calculate the new payment. There is no reason why if it takes months for a computer system to apply some magical formula that it can not be a process that starts in XXXX, the new payment is calculated by XXXX and the individual starts paying the new payment in XXXX instead of the current process that causes absolute anxiety and unnecessary deferments. 
My payment is always out of wack because my husband is XXXX XXXX military and his income changes depending on whether he is in a XXXX XXXX and his income is used to calculate my payment creating a marriage penalty that non married individuals do not have. If they were my husbands loans SCRA would apply ; however, it doesnt even though youre using his income for payment calculations. So it is ok to put a military service member in a financial hardship if it is the military spouses loans but not ok if its their loans. If the military service members income is used to calculate my payment then SCRA should apply regardless of whos name is on the loan. 
My calculated payment should be based upon my income as a government employee and should not have anything to do with my spouses income because a single person paying 10 % of their disposable income pays less than what the marriage penalty is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 FCRA the following creditors : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C. 1681a further states : ( 2 ) Exclusions.

Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The term " consumer report within the statue is defined as " In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

Within the statue the term " person '' is defined as ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

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 2022-09-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of Experian to retain disregard a consumer 's appeal for the alteration of the disputed accounts on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Experian has kept reporting the disputed accounts saying that the information they gave is precise, with which I seriously disagree. I am submitting this complaint to you today to request that Experian run me copies of documents bearing my signature to prove the status of the disputed accounts. If they are unsuccessful to comply with the condition and continue the reporting of the disputed accounts, please realize I will pursue legal action. I need the accounts corrected 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 2021-05-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not recieve any medical attention in the year 2018. This debt does not elong to me nor would it reflect my actual medical records

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 2023-01-22
Company: WELLS FARGO & COMPANY
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Multiple drafts pulled from similar or duplicate amounts.

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 2021-05-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$76.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries and personal information : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX Date Updated XXXX XX/XX/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 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 2023-02-09
Company: EQUIFAX, INC.
State: MO
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:
This is my several times 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. Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is XXXX XXXX submitting this CFPB Complaint requesting that the Credit Bureaus remove the disputed fraud items from my Credit File. It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the Following items from my Credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XXXX OF XXXX XXXX Balance : {$7200.00} XXXX  OF XXXX XXXX Balance : {$3100.00} XXXX  OF XXXX XXXX Balance : {$10000.00} XXXX  OF XXXX XXXX Balance : {$6800.00} XXXX  OF XXXX XXXX Balance : {$8100.00} XXXX  OF XXXX XXXX Balance : {$3300.00} XXXX  OF XXXX XXXX Balance : {$9400.00} XXXX  OF XXXX XXXX Balance : {$7100.00} XXXX  OF XXXX XXXX Balance : {$460.00} XXXX  OF XXXX XXXX Balance : {$3900.00} XXXX  OF XXXX XXXX Balance : {$1600.00} XXXX  OF XXXX XXXX Balance : {$5600.00} XXXX  OF XXXX XXXX Balance : {$8300.00} XXXX  OF XXXX XXXX Balance : {$6700.00} XXXX  OF XXXX XXXX Balance : {$1500.00} ( Original Creditor : ) XXXX Balance : {$390.00} ( Original Creditor : ) XXXX Balance : {$280.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX AUTO XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX, XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-12-12
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This communication is to inform you of the fraudulent activity at Regions Bank that occurred through XXXX Banking. On XX/XX/XXXX, I discovered that {$90000.00} was pending to be taken from an account of an organization within my banking profile. {$78000.00} had been transferred from my Money Market account leaving {$150.00} and combined with {$12000.00} from the organizations account. On XX/XX/XXXX, {$90000.00} was taken out of the bank. When I checked with the bank and the Fraud Department, I was told that it was a wire transfer and there was nothing they could do. 
On XX/XX/XXXX, {$700.00} was transferred from my XXXX Account to the XXXX XXXX Account. A letter was written by Regions Bank XXXX Department, on XX/XX/XXXX, stating that an investigation was done, and provisional credit ( {$700.00} ) would be provided to my account. Another letter was received that same day stating that based on the investigation, they determined not to provide any credit to my account for the transactions. The letter stated that the {$78000.00} was transferred to another account that I also own. None of these transfers were made by me. 
A letter dated XX/XX/XXXX, was received when I came back from XXXX holidays stating that the investigation had been completed. Based on the investigation, we determined not to provide any credit to my account for the transaction. This determination was based on the following findings : WIRE TRANSFER XX/XX/XXXX {$90000.00} Transactions were authorized using agreed upon security procedures. 

Shouldnt someone be able to tell me where the transfers originated, what security procedures were agreed upon, and where the money was transferred to. I couldnt get any answers. I have trusted my money in the same bank since XXXX even through the many name changes. Now this! They are making it look like I took my own money and wire transferred it to someone. This is identity theft and felonious activity. 
Upon receiving the rejection letter, I reached out to the number indicated on the letter. On Friday, XX/XX/XXXX, I spoke to XXXX who informed me that he did not agree with the denial, and he was escalating the matter to his XXXX, XXXX. Once I spoke to XXXX, she reached out to the initial department that made the denial and that person refused to speak with XXXX. The only resolution is to return the funds back to my account as I have not authorized the wire transfer. My attorney has contacted the media and there will be a story aired soon about this event.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: GA
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:
This is XXXX XXXX submitting this CFPB Complaint requesting that the Credit Bureaus remove the disputed fraud items from my Credit File. It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the Following items from my Credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XXXX OF XXXX XXXX Balance : {$7200.00} XXXX  OF XXXX XXXX Balance : {$3100.00} XXXX  OF XXXX XXXX Balance : {$10000.00} XXXX  OF XXXX XXXX Balance : {$6800.00} XXXX  OF XXXX XXXX Balance : {$8100.00} XXXX  OF XXXX XXXX Balance : {$3300.00} XXXX  OF XXXX XXXX Balance : {$9400.00} XXXX  OF XXXX XXXX Balance : {$7100.00} XXXX  OF XXXX XXXX Balance : {$460.00} XXXX  OF XXXX XXXX Balance : {$3900.00} XXXX  OF XXXX XXXX Balance : {$1600.00} XXXX  OF XXXX XXXX Balance : {$5600.00} XXXX  OF XXXX XXXX Balance : {$8300.00} XXXX  OF XXXX XXXX Balance : {$6700.00} XXXX  OF XXXX XXXX Balance : {$1500.00} ( Original Creditor : ) XXXX Balance : {$390.00} ( Original Creditor : ) XXXX Balance : {$280.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX AUTO XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX, XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Block, Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Goodmorning, I am XXXX XXXX, on XXXX XXXX my belongings were stolen from my vehicle. I locked all my cards I had just added XXXX on my cash app card to pay my bill which is due today. I have already filed a complaint/ dispute & I was told I had to wait up to 45 days. I am writing this because they were rude & stop responding to my emails. I have filed multiple disputes because it was more than 1 but I had to wait until it got done pending on my account. I need this to be resolved ASAP because my money is gone and they cant tell me how or why. I need answers

Company response to consumer: Closed with explanation