BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 Account name : Car Capital Servicing, Account name : XXXX XXXX # XXXX, Account name : The Bank XXXX XXXX XXXX  # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX, Account name : XXXX  XXXX, Account name : 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 an 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 2023-09-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Reporting unauthorized, unverifiable account from my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: WI
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:
Clarify Services a part of XXXX refuses to remove inquiries 24 months and older stating my request for them to comply with FCRA guidelines and remove is frivolous. This is a blatant and willful disregard for FCRA guidelines as inquiries are only to be on a consumer report for 24months! Furthermore, they refuse to remove an unverifed charge off that the company themselves have removed from all other credit bureaus. Clarity Services is governed by FCRA as they are part of XXXX who is also governed by FCRA and is obligated to comply with FCRA guidelines.

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 2023-07-25
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
There were two fraudulent charges on my card. Citi refunded the two charges but reversed one charge later on. Essentially, I was charged three times and refunded twice.

In their decision, they provided proof that the charge was fraudulent. The purchased item was mailed to a state I have never went to and it was addressed to someone I do not know. I filed a police report and provided that information to Citi. 

It has been XXXX months and I have not been able to get a resolution. Whenever I call, I need to navigate the menu in a very specific way in order to talk to someone. On my most recent call, the initial answering employees started passing me around and pretending to be supervisors. I ended up catching them on this when they misspoke and admitted they weren't really a supervisor. 

I am currently waiting two additional weeks to hear back. I eventually got to a supervisor and they did seem legitimate. However, I can not confirm if the issue will actually be resolved this time. The police officer involved said they would be willing to speak to the company as well as the case is so black and white. 

I am very frustrated as I am getting the runaround and need the money back. I am hopeful for a resolution but I also have been strung along for XXXX plus months when this should be routine. 

Thank you for any assistance you can provide. I have provided all relevant documentation to the credit card company and they confirmed they have it in their records. I have not uploaded any documentation here as I don't want anything public. 

The card number I am providing on the next page is my current card and not the one that was used for the charge. I think this is what you will need to find me in their system.

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 2021-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have 4 student loans with XXXX. XXXX is incorrectly reporting that my student loans were 150 days late twice, back in XXXX, and XXXX. My student loans were never late. I have contacted XXXX and wrote letters regrading the issue and they have yet to remove the 2 late payments from XXXX and XXXX. Also under 15 U.S Code 1681b Permissible Purposes of Consumer Reports I never gave XXXX written consent to report these accounts. As a consumer these accounts must be deleted immediately, or i will seek monetary damages in small claims court in my city and sate. 
Under 15 U.S Code 1681b Permissible purposes of consumer reports i never gave XXXX any written consent to report anything on my consumer report and no consent is IDENTITY THEFT.

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 2023-08-20
Company: Experian Information Solutions 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:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective Credit Reporting Agencies my identity theft affidavit. I have never authorized or given my express written consent to any third party affiliate Credit Reporting Agencies to furnish my data with the following companies, please be aware, no consent, is identity theft : 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 2023-08-05
Company: CNG FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My mom got a call from XXXX XXXX XXXX advising her that they will send a complaint to the court for felony fraud for a pay day loan I took out in XXXX with check n go. My mom called me worried gave me a XXXX and a number to call .I called XXXX he said he is with XXXX  and said he will have the lawyer 's from his company send off a complaint with the state of nevada for fraud for a checking account I closed in XXXX, in which stopped check n go from collecting payments. I got scared because I have a high risk XXXX. I paid XXXX {$400.00} towards a {$810.00} loan for check n go. I called check n go to confirm they sold the debt to XXXX XXXX XXXX Check n go advised me no and gave me the name of the collections agency that they sold the debt too which is XXXX XXXX. Check n go advised me to reach out to XXXX XXXX to settle the debt. I called XXXX XXXX spoke to XXXX, she advised me they bought the debt the date and year and they still have the debt. I told them about XXXXXXXX XXXX XXXX they advised me that they don't know who this company is. I want my refund back for {$400.00} and I don't want this company contacting me or my Mom again and I don't want them attempting to withdraw any more money from my debit card. I'm working with XXXX XXXX to take care of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2023, I conducted an inquiry into my credit report and discovered items that were unverifiable, invalidated, inaccurate, or questionable. Your agency did not ensure that the information it reported was completely 100 % accurate. 
In response to these findings I on XX/XX/2023 created and mailed numerous letters to XXXX, Equifax, and XXXX requesting these items to be either investigated proving their accuracy or to have them removed due to not being correct. 

However, I have not received anything from them. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Ascendium Education Group
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
4 Remaining Negative Accounts. 

Account Name : USA FUNDS Account Number : XXXX Account Name : USA FUNDS Account Number : XXXX Account Name : USA FUNDS Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX XXXX ), have violated my rights. 
15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2021-02-16
Company: NAVY FEDERAL CREDIT UNION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX my XXXX closed on a home-sold a property. Navy Federal Credit Union max check deposit is XXXX. XXXX XXXX of XXXX Wisconsin provided three escrow checks. I deposited on XXXX a check in the amount of {$28000.00} and {$50000.00}. I called NFCU and the representatives waive my ability to deposit both. On XXXX my account showed two transactions of {$220.00} made available to me. On XXXX evening my acct was negative {$49000.00}. I have called numeral times and sent messsges, however the bank just states its their process. I disagree that a check hold would put anyones bank in the negative. This is a bad business practice, I received no warning and NFCU should correct their collection process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/2022 a hard inquiry was placed on my trans union credit report from XXXX XXXX. It states that it is a miscellaneous inquiry but it was a hard inquiry. No way to dispute hard inquires on line with trans union and Ive been unable to speak to a live person. When calling you are sent to a series of prompts making it very difficult to get resolution. I did not authorize this hard pull of my credit nor did I initiate it.

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 2023-03-28
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I contacted AMEX in regards to XXXX payments we submitted that would be returned due to an accident involving our bank accounts. AMEX reassured me over the phone that a returned payment would not be an issues, rather that we would only incur a small {$39.00} fee. 

The returned payments came and went, we made substantial large payments to heavily pay down our balance in the amount of {$4000.00} & {$7000.00}. This was all fine until yesterday. We opened a new AMEX business account for another company and our account was sent to financial review, during the review they saw the XXXX returned payments, and charges with a company that they deemed was " affiliated '' with us, which they provided no explanation about how they came to this conclusion. After making this review they immediately closed my long standing account ( since XXXX  ) and also suspended our new account. 

AMEX baselessly closed these accounts and refuses to provide any valid reason for the closure even though we were upstanding users and made on-time honest payments for years. We were never late and never carried a balance over our limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Repair Like A Pro LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
This credit repair company has my information but they arent fixing my credit no more

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 2019-02-20
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX19-XXXX19 there was {$280.00} taken off my account. I had someone staying with me XX/XX/19 and thats the day my card went missing there was there was 9 purchases made altogether some of them are in Virginia some of them are made in Florida and New York

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 2023-08-06
Company: Kansas Counselors, Inc.
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I went to the XXXX XXXX at XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX on XX/XX/XXXX. I received and promptly paid an invoice from XXXX XXXX. After having paid that invoice, I received a separate bill from XXXX XXXX XXXX, XXXX. I was confused, because I believed I had paid my bill in full. I called XXXX to ask if I did have a balance, and they confirmed that I did not and that my account was paid in full. Additionally, the person I spoke with seemed to be unfamiliar with XXXX XXXX XXXX, PC. I ignored the bill because it seemed to be a scam ; a XXXX search for the company yielded vague results along with several people citing the company as being illegitimate. 
Then, on XX/XX/XXXX, more than a year after I went to the XXXX, a company named Kansas Counselors , Inc. ( KCI ) sent me an account balance for {$210.00} and is attempting to collect a debt. I do not know this company, and they did not provide me with enough information to verify that the debt is valid. This is the 2nd communication that I have had regarding this bill ; in spite of having 3 different phone numbers to contact me, my email address, and my mailing address, no attempt was made to collect after they sent the initial bill. 
I contacted XXXX XXXX in XXXX, XXXX, and all they could tell me was that their XXXX  providers bill separately. I asked why they did not tell me I would be receiving 2 bills, or why they weren't able to give me information about their billing practices when I called more than a year ago. They did not have an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023 I was scammed for concert tickets through XXXX XXXX  To transfer money I used Venmo. I paid them {$500.00} and they never sent any tickets. I looked into their account and it is a scammer account. I contacted Venmo and they said they will put in a claim but do not think I will receive a refund. I then contacted my bank and they said to contact Venmo that they could not do anything because it was a cash based transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: TX
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 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 explanation
Consumer complaint received 2020-09-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Equifax is reporting a chapter XXXX bankruptcy on my credit in XXXX. I have spoken to them on numerous occasions and they refuse to help me. I have filed dozens of disputes with them and they refuse to respond or help me. I have explained to them that the information is incorrect XXXX XXXX does not allow 2 Chapter XXXX 's within a 10 year period. So how if I filed in XXXX can I file again in XXXX? Impossible. Today I provided them with a letter from the United States Bankruptcy Court Eastern District of California stating that I can not have filed in XXXX because it has only been 8 years. And they still have refused to help. I spoke to a Mrs XXXX in their Consumer Affairs Department and she stated on a recorded line she would not be removing the information. Please help me correct this wrong.

Company response to consumer: Closed with explanation