BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-01
Company: EQUIFAX, INC.
State: NV
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:
Equifax is reporting 2 accounts with XXXX XXXX  XXXX that are past the statue of limitations the as per the bureau the XXXX and the other is XXXX and both are over 7 years old and should not be reporting the other is XXXX XXXX XXXX XXXX it actually had a charge off date over 8 years ago and again should not be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: TRUIST FINANCIAL CORPORATION
State: GA
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:
I called the XXXX customer service number for Truist on XX/XX/XXXX to report fraudulent activity on my account that overdrew my account. I was on hold for over an hour, and the woman who I spoke with told me I couldn't do anything until the transactions posted and would order my husband a new debit card. I asked what I was supposed to do until we got paid again, and I got told " this happens sometimes. '' I asked the woman why the bank wouldn't flag something so out of the ordinary and she didn't have an answer. She told me that my husband could go and pick up a temporary debit card at a branch. Monday XX/XX/XXXX, my husband goes into a branch to get a temporary card, and they told him he could not get a card because our account was overdrawn, which is the opposite of what the XXXX customer service person told me. I called the XXXX customer service number back to see again why nothing can be done about this. My husband is a XXXX XXXX, and he can not have no access to our money. The last time I had fraud activity on my account a few years ago, my bank flagged it immediately, gave us our money back and launched an investigation with no problems, so I'm confused as to why we have to wait for something to post. Our account is still overdrawn. I asked to speak to a supervisor multiple times and kept getting transferred to other customer service people instead. Multiple times, the phone would unhold and I listened to the customer service people discuss my complaint, which is ridiculous and bad customer service. To be told constantly that there's nothing I can do but wait is also ridiculous.

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 2022-04-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have a hard inquiry from XXXX XXXX XXXX XXXX I didn't get any finance or I never shopped with them ever. 

In accordance with the fair credit reporting act 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 explanation
Consumer complaint received 2023-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2023 a payment posted to my bank account for XXXX dollars to Capital one credit card that I didn't not authorize. I contacted Capital One for a refund and to address this unauthorized payment and they refused to refund me and stated that I made this payment online myself ( which I did not ). I am not set up with autopay. I had to close my account because they refuse to rectify this issue and continued to say that I was the one who made the online payment, even though I repeatedly told them I did not. This is theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Nelnet, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello You are in Direct Violation of the Fair Credit Reporting Act ( Nelnet Department of Education ) has violated several of my rights.

15.U.S.C 1681 section 602 A. Cleary states that I have the right to privacy.

15.U.S.C 1681 section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on credit card account under open-end consumer credit plan as last for any reason or purpose. 

I am requesting these late payment from Nelnet Department of education be remove and update this account immediately as you are in direct violation of several laws under The Fair Credit Report Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: OH
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 XXXX  Account # XXXX XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 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 PURPOSE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In response to your CFPB I am sending you this. I am also filing this with CFPB. As you wanted proof and you did not include entire emails just what you chose to send. As stated XXXX did not even give me time to accept or reject the application as it was dated and sent by snail mail on XXXX/XXXX/14 and was not mailed out til next day. I did not receive it til after XXXX on XXXX/XXXX/14 I sent them an email directly after and called them and was told time had passed. This again was a violation from XXXX against the XXXX as you are to be given 14 days to accept or reject and they would not let me accept because it was after the XXXX date at XXXX so there was no time to go to bank, get notary and send. I tried multiple time to send in to agree and they refused. They purposely mailed late and then stated I did accept in time when there was no time given. Make sure you have the facts and I printed out all the emails and requests from XXXX which were obviously not used because it proves the violation right there. 

Here are the other items that you have continually not addressed as well and this is the 5th time requested. 
1 ) I have repeatedly requested a meeting with XXXX XXXX and he has never responded. To date I have left about XXXX messages with no response in past 3 months. I have yet to this date to ever have a phone conversation and have left numerous detailed messages and emails. 
2 ) I have never been allowed to access loan online and I have attached the copies of the about 15 times requested it locked me out as soon as I registered and has never given me access nor has customer service responded or helped. 
3 ) I requested appeal info from XXXX no response in 30 days and I sent in my own with tracking # XXXX ovenight. 
4 ) I have requested as per your email to have him send out another application which I will complete with higher earnings and I do not excessive obligations at all and my finances show that I can make a XXXX payment or higher and I requested other options such as repayment or forbearance and get caught up with extra payments within 6-9 months. 
5 ) So yes I am requesting a new financial packet ASAP and I have requested from XXXX but he has not responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have two unknown accounts that I never applied for showing on my credit file.

these following accounts are not mine please delete/remove XXXX XXXX XXXX XXXXXXXX XXXX {$8800.00}. I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted the Federal Trade Commission. I explained in my letter that, you, as a Federal Reporting Agency, have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. Please delete the following unverified fraudulent 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 non-monetary relief
Consumer complaint received 2016-12-11
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I forwarded the following with all attachments of payments to this debt collector but I am still getting contacted. 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, 2016 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Billing Error Notice - Account Number ending in XXXX To Whom it May Concern : I have received your bill in the amount of {$3900.00} regarding a collection for the Costco Anywhere Visa Account. I have paid this bill in full to CitiBank on XXXX XXXX in the amount of XXXX with the following confirmation number : XXXX. I no longer owe any debt to Citi bank. 

Please check your records and correct my account. Also, please do not send me any more bills or call me until this matter is settled. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, 2016

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX  XXXX XXXX, XXXX  XXXX XXXX and 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 2022-12-27
Company: Avant Holding Company, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hi, I opened a Credit Card with Avant on XX/XX/XXXX for {$300.00}. My very first payment was due on XX/XX/XXXX and was due on the XXXX going forward. I always logged on to their website Avant.com and made my monthly payments. I even saved the website in my favorites. I continued to make my on-time monthly payments from Avant.com ... I go to log on to their website like I normally do and their website is down and won't let me log on. It said, " Uh oh, were experiencing a problem. ", and that they were having an unplanned outage. So, I figured I'll just check back tomorrow. This went on for a week or so ... after that, I said I better just call in and make my payment. I talked to their representative and explained the situation. I gave them all my pertinent information - first and last name, email, last 4 of my social etc... they claimed that I have no account with them. I also gave them the customer ID # that I received when I couldn't log on to their website where I made my monthly payments. I spent 3-4 hours on the phone getting absolutely nowhere and them saying I do not have an account with them. I told them I've had an account since XX/XX/XXXX and have been making successful payments until the XX/XX/XXXX payment, so how is that possible? I said I need to make a payment over the phone and they refused to take a payment since according to them I have no account all of a sudden. I said I better not get any lates on my credit report. I even asked for their Manager/Supervisor and they refused to put me through to one... they even said one would call me back and I never got 1 call! I am XXXX XXXX XXXX and have never experienced something like this in my life! I must have 12 credit cards open at the moment and I'm never late, and now they have marked 90 day lates on my credit report over a minimum payment which is ridiculous! I've never experienced such incompetence on a credit lender such as Avant and an unwillingness to let me speak to someone who can help me. I even reached out to several lawyers asking for help and they told me to file a complaint here. Avant has destroyed my credit and has costed me thousands from being turned down for loans and creditors lowering my credit limit from Avant 's late reporting. I'm going to attach what their website said when I went to make my XX/XX/XXXX payment and also include all my payments from their website at Avant.com.

Thank you for your help! It's much appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt was established and went to court in 2014, I missed the court date but have since given them court documents where I am only responsible for half the debt. They have told me they don't care and have attached my wages for a large amount- like 30 %. I have a signed court order- where my ex spouse is responsible for thee debt and they have ignored it. 

I am a one income Household supporting XXXX kids, one of which has started college and they refuse to decrease the amount being attached. 

I pay over {$600.00} dollars a month to this company and STILL EACH month they place a negative point on my credit report because interest has gone up. 

I'm in the state of CAlifornia and I don't believe this credit agency Kings CREDIT has acted lawfully or in good faith when it comes to ignoring my request and ignoring the court order given to me by a judge in a courtroom of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Experian Information Solutions Inc.
State: MN
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:
XX/XX/XXXX. Judge XXXX XXXX XXXX of the United States Bankruptcy Court, District of Minnesota ; signed 5 orders disallowing claim for further payment on my private student loans, through a company called XXXX ( XXXX ) XXXX XXXX XXXX. These 5 claimes are for each lender that XXXX " claimed '' to have ownership of my loans. The 1 original company that had ownership was called XXXX. XXXX went bankrupt and closed in XXXX XXXX XXXX  refused to acknowledge this Bankruptcy and closure of XXXX  and continued to request payments and harrass me. They changed my privacy policy to list a subsidiary company of XXXX known as XXXX XXXX XXXX XXXX. as the new lender. This was after I informed them of the closure. They told me that they needed to be informed by XXXX of their closure in order to do anything about it. XXXX continued to charge me until I went into Bankruptcy XX/XX/XXXX. Before this XXXX  attempted to tell me that XXXX XXXX was my new lender. XXXX XXXX denied being my lender. They claimed to be the lender for a XXXX  XXXX  of only 1 % of the total loan. However, in XXXX XXXX XXXX cut business ties to XXXX to to fraudulent activities on XXXX side. XXXX was and still claims that XXXX XXXX is a lender. They also changed my privacy policy AGAIN after this happened. XXXX also has XXXX XXXX  listed on my credit report as a current lender. XXXX XXXX  has no record of my accounts. Every company that XXXX has claimed as a lender has been given an order to disallow claim. I have filed multiple claims with the credit Bureaus, and each time they dismiss my claims by allowing XXXX to not show any documents or proof that XXXX, XXXX XXXX, XXXX, and now XXXX XXXX XXXX XXXX has my loans. XXXX and XXXX no longer exist, XXXX XXXX  has no record of my accounts as of current. They opened the loans in XXXX and immediately sold to XXXX. XXXX XXXX XXXX  trust was designated as soon as I filed for bankruptcy and XXXX was privy to me fitting to discharge my loans. XXXX, XXXX, Expirian wont take anymore disputes. There is always an error that happens that im informed of. XXXX has also said they refuse to comply with the court order. They said that the claims have to show extreme financial hardship. Last time I checked the only way to have student loans discharged in Bankruptcy is to prove just that very thing. That is how I have 5 orders. Because I infact am experiencing an extreme financial hardship. My bankruptcy was just closed, so it currently shows that the accounts are closed, but they are kn fact still open, and XXXX refuses to correct the issue.

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 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
FCRA Violation Incorrect : Requesting a credit report for an impermissible purpose 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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-09-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In regards to the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), Experian, XXXX and XXXX has violated the Fair Credit Reporting Act ( FCRA ) concerning my credit report. The FCRA states " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates ''. Experian, XXXX and XXXX did not and does not have any consent from me to furnish this information. FCRA also states " Except as authorized under subsection ( b ), 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. '' These accounts are adverse items and are reported again without my permission which is against the law. 15 U.S. Code 1681e states ''. FCRA states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian, XXXX and XXXX is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of Experian, XXXX and XXXX 's reporting services.

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