BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
this is proof that these accounts was deleted but they put these accounts back on my consumer report .I filed my identity theft report letting the credit bureaus know I was a victim of identity.

15 u.s. code 1681c-2 : which states a consumer reporting agency shall block the reporting of 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. it has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft.

15 u.s. code 1681b permissible purpose : in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts immediately

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 2023-07-11
Company: Mobiloans, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
In a time of desperation, I was able to get a line of credit with Mobiloans in the amount of {$2500.00} in XXXX of 2022. I have up to this date not missed any of my bi-monthly payments that shift to different amounts each time but have been able to pay the balance which reflects {$2800.00} paid with a remaining balance of {$2600.00} remaining. I have placed a complaint with the XXXX  bureau as the customer service line is impossible to get through and generic emails are the only form of emailed communication. I understand that this company has had issues in the past with " XXXX XXXX XXXX '' and claims tribal immunity to state laws. I am requesting that my account reflect a zero balance owed as the interest rate is ridiculous making them a predatory lender taking advantage of those in desperation and causing more debt in the end. The interest rate is ridiculous making them a predatory lender taking advantage of those in desperation and causing more debt in the end.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-07
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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2022-11-16
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2022 I tried to open multiple checking accounts I got denied on all of them because of reports coming from early warning services about identity theft. I would for early warning services to stop those reports immediately because its preventing me from getting an FDIC approved checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: M1 Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XXXX XX/XX/2023 I received a credit card from XXXX XXXX XXXX that I didn't order. I called XXXX  to let them know and they told me I had to physically go to a branch office and they would take care of it. I made an appointment for Monday XXXX XXXX at the local office. On Monday, I received a letter from XXXX  the card was suspended for fraudulent activity, even though I didn't activate it. The bank employee told me that the card was applied for on XXXX XXXX, and their application had my correct social security number and telephone number. For an email address they used my husband 's email. The only way I think my information could have been accessed was I filled out an application with M1 Finance to open an IRA for tax purposes, but decided not to continue the process after completing the application. I have since put a freeze on all three major credit companies ( XXXX, XXXX, and XXXX. I left all the paperwork ( including the credit card ) at XXXX XXXX XXXX for them to destroy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/XXXX, I sent in a request for investigations to the credit bureaus. There were accounts reporting incorrect information. They were supposed to respond within 30 days, but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2020 I advised representative to update my payment information. The company continued to auto draft from an incorrect account, I call multiple times to correct this issue and finally issue was corrected. The agent agreed to waive all fees and assure that I would not be reported negatively to the credit bureaus. The following month I discovered the delinquency reported and once again they stated they would correct the issue. The account was current and the issue resolved. Even with the the auto draft issue there were no late or delinquent payments. The are very difficult to deal with and do not honor what they say.

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 2023-02-16
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
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: Account status incorrect

Complaint:
On XX/XX/2022, Ive contacted Experian multiple times about to delete inaccurate information on my consumer report but they yet to satisfy the problem because Ive had rude supervisors and unwillingly to help resolve this matter by telling me lies and not being direct and honest and continue to violate my consumer rights and failed to follow up with the fcra laws which causes damages to me a consumer/natural living person great harm financially.

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 2022-11-16
Company: Bread Financial Holdings, Inc.
State: AR
Product: Credit reporting, credit repair services, 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:
My social security number was unauthorized usage of applications and fraud inquiries appeared on my XXXX credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
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: Investigation took more than 30 days

Complaint:
My first letters to the credit bureaus regarding this account were in XX/XX/2022 and I have sent out letters each month since. This account is fraudulent and has been in dispute since I first seen it around labor day last year but according to the credit bureaus they have it listed as not in dispute and remains unverified in the last several months. How is this possible if I have sent repeated letters to each bureau disputing this as well as letter to the alleged creditor. These are all violations of my rights under Title 15USC1681 and I demand that CFPB investigate this. Each bureau had 30 days to verify the account and not only did they send me letters stating it was verified but yet on their own report it states that there has been no verification and it is not in dispute. I have copied thXXXX XXXX, XXXX and the 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 2018-10-30
Company: Navient Solutions, LLC.
State: NY
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 a XXXX XXXX and applied for XXXX  Loan Forgiveness. My first application was declined for unknown reasons. The next month, the payments with current loan jumped from $ XXXX/month to $ XXXX/month. The same time, Navient offers me a loan refi to bring my payments back down to {$200.00}. While waiting for my second application for XXXX forgiveness to answer, I refinance to keep payments low. Unknowingly, the refi goes through but I find out later it's a private loan and not qualified for the XXXX Forgiveness. I was unaware that the forgiveness would not apply. It is suspicious that as soon as I applied, my payments jumped and they happen to offer a refi. I called to have refi turned around, they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The data furnisher failed to provide correct and accurate contact information on the consumer credit 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 non-monetary relief
Consumer complaint received 2021-06-01
Company: Capital Accounts, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
While checking my credit report I noticed a collection put on there by Capital Accounts even after telling them numerous times this was not my debt. I also sent them debt validation letters by certified mail on XX/XX/2021, which they received and signed for XX/XX/2021. Their agents are rude and uncooperative to say the least and are still refusing to take this fraudulent collection off of my credit reports. Instead they sent me emailed me an itemization which has no dates and no signatures from me or the original party. Pursuant to the Fair Debt Collection Reporting Act I demand Capital Accounts take this fraudulent collection off off all three of my credit reports ( XXXX, XXXX, XXXX  ) immediately since the debt is unable to be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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 received my credit report in search of trying to improve my credit. After reviewing my report I notice a few inaccurate information and accounts I have never heard of that is being reported. According to the FCR15 USC 1681 ia, I read I have the right to a fair credit report and if they can not provide proof these accounts must be deleted. I also read I have a right to privacy as well as the following hospital bills that was sent to collections violated my HIPPA rights. The follow accounts has violated my rights by not reporting information accurate and/or I do not have knowledge of the creditor on my report. 
ACCOUNT NAME ACCOUNT # -XXXX XXXX -XXXX XXXX -XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX -XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR XXXX XXXXXXXX XXXX ) XXXX XXXX XXXXXXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXXXXXX ) 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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
15 U.S.Code $ 1692g 15 USC 16928 ACCOUNT : XXXX XXXX XXXX XXXX  ACCOUNT : XXXX If you notify the debt collector within 30 days the debt is being disputed according to the FTC ; " Reporting debts first and asking questions later - or not at all - can land collectors in a steaming alphabet soup of FDCPA and FCRA violations. '' A debt collector must do notify you before reporting otherwise quote this ; " [ debt collectors ] violate the Fair Credit Reporting Act by furnishing information to credit reporting agencies they knew or had reasonable cause to believe was inaccurate, by failing to conduct reasonable investigations of disputes, and by failing to report the results of those investigations to consumers HOWEVER if they never contacted you at all or you never spoke on phone etc, they did not conduct a reasonable investigation. Sending a letter and you not responding is not a reasonable investigation. So it is still a violation for having a debt reported without speaking to you and validating the debt beforehand.

Usually, debt collectors send a notice and after 30 days of no response, they assume the debt is valid and report from there. This is not legal without verification however the debt collector will make the argument that the notice was given, so please respond to all debt collector notices letting them know you do not consent to any offers to contract nor do you validate any debts.

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 2019-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I should not have XXXX or the 2 XXXX XXXX accounts on my 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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 LATE PAYMENT Credit usage 96 % Balance {$3100.00} Balance updated XX/XX/XXXX Credit limit {$3200.00} It's normal for the credit card balance you see on your credit report to be different than the XXXX on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases may not show up until your credit report refreshes. 
Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Line of Credit Payment summary XXXX XXXX XXXX - XXXX - XXXX XXXX XX/XX/XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open. {$130.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$130.00} Highest balance {$4000.00} Monthly payment {$66.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an 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 non-monetary relief
Consumer complaint received 2022-03-10
Company: Convergent Resources, Inc.
State: SC
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:
This account was opened fraudulently. I have submitted all documentation notarized, Including identity theft report, police reports, and dispute packet from this agency. I don't understand how can you prove an account belongs to me that I never opened. As a result this is my attempt to have this debt remove before I pursue legal action. This is clear violation of the law. I have all documentation and correspondences between me and this creditor. I also have documentation for third parties where I have receive several letters that my information was included in several data breaches.

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 2022-05-16
Company: NEW YORK COMMUNITY BANCORP INC
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2022 I used a check from my checking accounting to pay my daughter 's credit card of {$300.00}. On XX/XX/2022 I received an email from assistant branch XXXX XXXX XXXX XXXX New York Community Bank XXXX Amtrust Bank location : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX asking me to please call her about a check. I ask her what check in the email. She refused to answer. On XX/XX/2022 she reversed the payment to the credit card. 
This is not the first time this lady has inconvenience me as a customer. XXXX has engaged in stalker like behavior since I took out my account. Every time I walk in the Bank one foot in she will jump up and say " no, no I will deal with her ''. She will constantly call me and email me when I do banking with my account basically telling me I would have to get her permission to do any transaction. She also shut down my debit card. I am XXXX XXXX XXXX and have been subjected to elder abuse. I'm tired of it. She watches my account on a daily basis and sometimes in the past when walking in she will mimic to me my transactions. Due to her harassing behavior in the past of constant calls and in person harassment I withdrew a large sum out of this bank to deposit in another because she was watching my account on a daily basis. XXXX XXXX refused to stop to the point where I stop going in the Bank in fear she will have someone to rob me. 
This event to reverse payment of a bare {$300.00} was insane and I believe this lady XXXX XXXX is engaging in elderly abuse and fraud. I have been victimized by her behavior and feel she only treat the XXXX customers like myself like this. She is over monitoring my account for small transactions and creating havoc. She is also telling me I can not do banking without her permission. 
Enough is enough I will like this women to seize all correspondence to me. She is harassing me. this was not a {$10000.00} or {$20000.00} to say it is reasonable for a branch representative to call me and stop payment. This was {$300.00}. If there is any fraud on my account I will report it to the Bank. She is treating me differently than the XXXX customers. She expect me to gain her permission before I do any transaction with my money. 
Tell this lady to STOP and SEIZE all contact. 
On XX/XX/2022 I called her at the Bank and ask her why did she do that. Reverse the payment. She admitted to knowing my daughter whose credit card I paid so why did she reverse the payment. She has caused my daughter 's account to incur fees and she should be responsible for paying this. I also want them to submit the payment back to the credit card for payment.

Company response to consumer: Closed with explanation