BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-29
Company: CITIBANK, N.A.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX his illegally garnished my wages. The debt in question is not mine XXXX his no verified this and did not send second notice of court date for me to dispute this debt. This lack of candor has caused me and my family great financial hardship, XXXX XXXX XXXX and myself physical stress due to the fact I am fighting XXXX. I am now behind on all fo my bills because of XXXX XXXX XXXX XXXX negligence to verify and to notify the account or me. I lost my one match XXXX out of XXXX XXXX XXXX for a XXXX XXXX and must do the search over for another donor that matches due to XXXX XXXX XXXX , XXXX unjust/unfair practices.

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 2023-04-29
Company: EQUIFAX, INC.
State: LA
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 follow-up complaint about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$150.00} XXXX XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$90.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed the debt on the bases that I have not started an account on XX/XX/2022 and have the amount owed is not the correct amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have an eviction that keeps coming up on my rental background check and the eviction was sealed so it should not still be coming up.

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 2022-04-29
Company: Freedom Mortgage Company
State: CO
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, has violated my rights.

15 USC 1681 Section 602 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 instruction.

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

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 2019-01-14
Company: EQUIFAX, INC.
State: AL
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 is reporting a account on my credit files this account is fraudulent never opened with this company someone obtained my complete identity stole mail out of my old mailing address mailbox changed questions on my credit file and more

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-04-14
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I received an email from discover which looked like spam asking me to sign form XXXX. I called Discover and was advised that I needed to complete this form by XX/XX/XXXX or my account would be closed for non compliance. I have had this Discover card since XXXX with no issues and have always made my payments on time and mostly have paid the card in full every month. I have never been asked for to sign this form with any other company. And I have an XXXX with a XXXX spend limit. I could see sending something for income verification at application or if I requested a credit line increase, but I have not done anything like that. This seems to be retaliation from Discover since I sued them last year for a fraudulent charge that they would not remove. I cant see how a company would be allowed to access my tax returns when there really isnt a need for them to do so. This seems extremely predatory and deceptive to ask for this after five years and only after we settled our case last year. Its also odd that from most of the reviews I have read online about this is that Discover is closing cards if there are discrepancys which I also find odd considering most people use household income and some households file separate returns if they arent married.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: NY
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 accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 explanation
Consumer complaint received 2023-03-08
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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 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 records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 2022-12-27
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:
I XXXX XXXX XXXX XXXX XXXX this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 2017-03-07
Company: United Student Aid (USA) Funds
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Since around XX/XX/XXXX, I have probably received well over XXXX phone calls for people trying to collect an XXXX bill for a XXXX. I am not that person. 

I have filed well over XXXX complaints with the Federal Bureau of Investigation regarding the hanus crime of robo calling. you guessed it they used a f'in machine to call my house. I would argue the volume of calls violates the Fair Debt Collection Practices Act, and every single call violates the Telephone Protection Act of 1991. 

Recently I was mailed a complete list of every single payment or wage garnishment XXXX has made including his XXXX contract i am thinking that must violate some type of privacy law. 

XXXX has never lived with me, nor have I ever met the guy, but I think he gets more mail to my home than i do. 

I do indeed owe Federal Student Loans I get enough robo calls about my own XXXX loan. Never mind this guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: EQUIFAX, INC.
State: AR
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 received a call from a collection company stating about a debt I owed fro an insurance company. I have never applied for or had any insurance with XXXX. I quickly opened an account with XXXX XXXX to review my credit report. I found many fraudulent accounts I have never opened or given anyone consent to open. Please delete these items from my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was locked out of my Equifax credit report, using there lock and alert. then when I called to get lock and alert off. Equifax said cant verify my identity, by questions they asked. and I would need to fax documents copies of ss card, birth cert.. drivers license.., and utility bill,, so I did this 3 times in 3 months. and called 4 or 5 times, and they say same thing, you will be getting a letter in mail, and I never did, and told them that. its ridiculous ... .the questions I been asked about loans and credit cards on my report I cant answer. for identity verification, so I tell them im concerned about fraud, and I need to view my report,,, 3 months later still cant view my Equifax report ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: SYNCHRONY FINANCIAL
State: DE
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
Because the account has been affected or spammed, access has been denied. I have had these accounts since XXXX and have documented federal tax returns thru XXXX. Approximately I had a total amount of XXXX deposited in Synchrony Bank. Most everything is done on line or by phone.

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 2023-03-27
Company: MOHELA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have an approved borrower defense case for Sweet vs Cardona. I am full class. It is only for a portion of my student loan debt. XXXX contacted me and said my loan would be transferred back to them. I'm concerned if this will be all of my student loan debt ( only $ XXXX + interest is for the approved borrower defense ) or just the borrower defense amount? I've been waiting a long time for my PSLF counts to be updated ( XXXX eligible, XXXX qualifying, XXXX ineligible, and waiting for XXXX randomly missing months to be added that were on my approved ECFs and letter from Mohela dated XX/XX/XXXX ). I want my refund for borrower defense but also want no additional delays with my PSLF. Mohela tells me it's dept of ed that needs to apply my XXXX missing months to my PSLF counts, FSA says its Mohela . I resubmit everything and it gets marked duplicate. I want my credit for the XXXX missing months and my PSLF forgiven. I've worked is public service since XXXX and it should not be like this. I've contacted moehla ( told something different every time ) contacted FSA ( they say they don't handle PSLF and to contact Mohela, compliant with XXXX ( told they are acting in good faith ), filed with ombudsman XX/XX/XXXX ( haven't heard a word ). I've done my part, submitted everything, paid my public services dues, and tired of begging someone to fix my counts and free me of this burden that has tied me down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
RE : INSTRUCTION TO BLOCK AND DELETE on XX/XX/2022 XXXX XXXX Number XXXX XXXX XXXX XXXX XXXX XXXX " Picked up at a postal facility at XXXX XXXX  on Tuesday XX/XX/2022 '' Dear TransUnion, I am writing once again to follow up regarding my FTC Identity Theft Report which was submitted to you with a complaint to the Consumer Financial Protection Bureau. The ID Theft report included the information to be blocked from reporting. I also enclosed appropriate proof of my identity and a statement that the information is not information relating to any transaction by me. 

With XXXX XXXX XXXX XXXX confirmation that you have received the required documentation at XXXX XXXX  on Tuesday XX/XX/2022, I am now XXXX  that the information is blocked and deleted from my consumer report IMMEDIATELY : Account Name & Account Number ( According to Consumer 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 XXXXXXXX Pursuant to 15 U.S. Code 1681c2 ( a ) : TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, NOT LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECEIPT ( Monday XX/XX/2022 at XXXX ). 

THIS IS NOT A DISPUTE, AND THERE IS NO 30-DAY TIMEFRAME.

15 U.S. Code 1681c2 ( a ) does not necessitate any 3rd party input or response.

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 2023-04-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax, Please remove the " You have an extended fraud alert in place until XX/XX/2030. '' from my credit report. 

I have attached a screen shot of what to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Accounts in question : XXXX XXXX XXXX I reported these accounts as fraud ( attached police report ). The accounts were removed as requested by me however no investigation was done by the credit bureaus or XXXX XXXX. Shortly after the account was placed back on my credit report without my notice or consent. I asked for the accounts to investigate and removed due to fraud. XXXX XXXX refused to investigate and provide me with original documents and statements to prove their claims. My requests were ignored which is a violation of my consumer rights. 
I sent a repeat FTC report and cfpb complaint regarding the fraud account and the accounts continued to be reported on my credit report. This is another violation of my consumer rights. 
Furthermore, I have informed XXXX XXXXl to cease communication on these fraud accounts. However, my requests have been ignored and I am still harassed several times a day for years by a robocaller phones number leading by to XXXX XXXX once answered. To my knowledge, this is also a violation of my consumer rights.

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 ar purpose.

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my 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