BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-04
Company: Mcburberod Financial, Inc. d/b/a SeedFi
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:
I received a loan from SeedFi. They changed companies that serviced them. They went from XXXX XXXX XXXX  to XXXX. Instead of showing transferred or closed from XXXX XXXXXXXX XXXX, it still shows as active. I paid off my loan in XXXX of 2023 and XXXX reported it correctly as closed. But the XXXX XXXXXXXX XXXX still shows as active on XXXX. I called SeedFi and they stated they couldnt help me because XXXX services the loan and I called XXXX to help and they stated that they couldnt help me because they reported correctly and its XXXX XXXX XXXX issue and that I needed to call SeedFi. I then took the initiative to reach out to XXXX XXXXXXXX XXXX the last week of XXXX and they were to call me back within XXXXXXXX XXXX and never received a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, 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:
Equifax refuses to remove an unauthorized account from my consumer report. They refuse to follow the fair credit reporting act. My rights are continually violated. Pursuant to 15 usc 1681i, they have not conducted a proper investigation. Instead, they allow the fraudulent creditor to make the decision of whether they want to delete the fraudulent account or keep reporting. 15 usc 1681i states that the credit reporting agency is required to conduct an investigation with consideration to the information I provide, and make an impartial decision. Equifax is not acting fairly towards me nor are they protecting my privacy.

Equifax is reporting two different credit scores as on XX/XX/2022. They are reporting a XXXX as well as a XXXX. This is a violation of the Fair Credit Reporting Act. Equifax recently lost a lawsuit for this same practice and continue to violate consumers with this illegal practice. Equifax is also allowing an unauthorized creditor to report two accounts with the same information, on to my credit report. This is another violation against my consumer rights. Equifax obtained no permissible purpose for these unauthorized accounts, and are allowing companies to pay them and cause harm to me and with no regards for my life or future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was due for my annual IBR renewal with Navient, and mailed them my application forms ( IBR, W2, statements from other loan providers, taxes, my wife 's taxes, pay stub, etc ... ). I called them on XXXX to ask if they had received it and was told they did and were in the process of doing my certification for XXXX. I was then told that the government had issued a plan to let you keep your previous year 's IBR active and then renew at the end of XXXX instead. I was told that this covered my DOE and Federal loans. 

On XXXX, I received an email from Navient saying my loans were about to increase unless I renewed. When I called and spoke to a representative, I was told that the information from my previous call did not apply to my Federal loans. I was also told that they had misplaced all of my IBR document aside from the first page. Because of this they told me that it did not show I checked that : a ) I'm married b ) I have access to my wife 's taxes c ) that we file separately. Because of this they combined both of our salaries making me ineligible for IBR. 

I strongly told the representative that I want to speak with his supervisor because I feel I was intentionally mislead about this. All the while I have been consistently making payments and doing all of my IBR renewals since XXXX ( have not missed 1 month or 1 year ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
my personal information was stolen and my id was used to get loans and credit. I filed a police report and sent the paperwork to the credit reporting agencies per the FCRA. I disputed these accounts. Nothing has been done and I have not gotten copies of the verification process 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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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/2023, I received a notice from Transunion of a hard inquiry from XXXX XXXX XXXX  which I did not authorize. This notification came as a surprise to me since I have not requested any financial products from XXXX XXXX XXXX or any other bank on those dates nor have not been on the market requesting any other financial products from other institutions. I contacted XXXX XXXX XXXX  and did nothing to assist stating that the issue must be addressed and resolved by Transunion. I then communicated with Transunion and said they were going to address this situation and send the bank a notice to correct and remove the inquiry. Days later I then follow up with both Transunion and XXXX XXXX XXXX  because the inquiry was till showing up and nothing was done to assist me. Again I communicated with Transunion and they stated that they were going to take action but I had to wait 30 days from the date of the inquiry was made for the information to be corrected when my monthly credit report refreshed. After 30 days I call again Transunion and a person from XXXX 'assisted ' me and said that no action had been taken and that I needed to go to the local police to make a complaint. 

I need my credit report to be corrected because XXXX XXXX XXXX  has not done nothing to correct this inquiry and Transunion has not been proactive in resolving my issue either, giving me three ( 3 ) different versions of steps to be taken to correct my information however, nothing has been done. 

I do not have any relationship with XXXX XXXX XXXX  and have not submitted requests to be considered for their products.

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 2023-02-06
Company: Experian Information Solutions 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I was checking my FiCO score and found that they have my loans as being reported twice. I went to try and dispute it and it stated that I had to go to the Transunion site to dispute this. My loans from XXXX are being reported twice and is hurting my credit and even being approved for anything. I need ther to be an investigation immediately to fix this and not just a oh here is your credit report. Someone needs to look into this. My next step is an attorney.

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 2022-12-17
Company: Experian Information Solutions Inc.
State: MO
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. 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 XXXXXXXX Has violated my rights. 
15 USC 1681 section 602 A. States I have a right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.

I also ask for a re-investigation and according to the term investigation consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
The credit agency has violated my rights to a proper investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
( Transworld systems I ) at ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ) has been calling me, for the amount of {$3600.00}. 
After I ask multiple times to stop calling I had to change my phone number 2 times so i could stop receiving calls, now they find my new number and they call then hang up. I do not know this company. I have never done any Business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 filing this complaint on my own behalf to address an issue concerning incorrect addresses and unauthorized inquiries on my credit record. This information does not belong to me. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. I need this fraudulent information removed 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 2022-12-17
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX  XXXX  XXXX Balance Owed : XXXX XXXXXXXX XXXX XXXXBalance Owed : XXXX XXXX XXXX Balance Owed : 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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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've examined my credit report and noticed several unauthorized accounts listed. Please find the details in the attached document.

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 2023-05-03
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act DEPT OF ED 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Chime Financial Inc
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chime, the bank closed my account with no notice. Chime did not protect my money. The hotel which initially charged my card for XXXX $ + and settled for XXXX $ insists they didn't have the extra funds that were debited from my account. However chime states that if they were not put back in my account that XXXX XXXX has the funds. Neither can show me where these funds are. In fact the transaction has disappeared frommy statement. I have record by screenshot. When I mentioned this to chime they become. Aware of matter. This has also happened with other transactions. All of them becoming expired pending transaction. The money is initially debited from my account. Upon expiring it does not postback to my account. Chime assures me it does. However, I know it does not. Specifically with XXXX XXXX I had to put stop payment. So they definitely could not postfunds back. Chime will not help me in locating these mising funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The XXXX charge off information is wrong on my credit report, it is on transunion and XXXX but not 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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I XXXX XXXX have XXXX fraud account still appearing on my credit report all the others listed in the FTC report were removed. 


XXXX. XXXX XXXX XXXX {$7600.00}

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 2023-03-06
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: Information belongs to someone else

Complaint:
it has been four years XXXX  keeps replying to my disputes with a verified message. consumer reporting agencies must CORRECT OR DELETE INACCURATE, INCOMPLETE OR UNVERIFIABLE INFORMATION. 


XXXX XXXX XXXX XXXX  ACCOUNT # XXXX invalid phone number ( XXXX ) XXXX XXXX. 

invalid address. XXXX XXXX XXXX # XXXX XXXX, ca XXXX reporting incorrect information for over 4 years please delete or provide validation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
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 sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$280.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$5200.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$420.00XXXX XXXX # XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had deposited a insurance check into my account they deposited and then immediately closed my account they told me that the insurance company was going to do a reverse on the check I had been in contact with the insurance company ever day and they told me they never talked to anybody at the bank and that they can see the check was cashed and they will not be doing a reverse payment like the bank said the bank has gave me a run around and will not answer any questions regarding the fund as shown in the attached screenshots the insurance company told me to deal with the bank and let them know to release the funds but they are refusing to due so

Company response to consumer: Closed with explanation