BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/2022 I received an alert from Experian that updates have been made to my credit score on XX/XX/2022. 

The new complaint is XXXX put a false report on my credit score account and XXXX 's departments are in conflict with each other as far as delivering communication messages to me as the consumer. 

XXXX, indeed and in fact, flagged my account on XX/XX/2022. It states next to Navients report for me, NEGATIVE ACTIVITY can have a SIGNIFICANT IMPACT on my credit score. Please reference the uploaded document to this complaint called XXXX. 

However, on XX/XX/2022, I found another email that confused me. I am to pay XXXX {$210.00} by XX/XX/2022. Again, I found another email that says that XXXX wants {$210.00} by XX/XX/2022. The CURRENT AMOUNT DUE is XXXX. The past due says XXXX. Please reference uploaded document called XXXX. 

However, on XX/XX/2022, I received a XXXX  email from XXXX XXXX XXXX stating, your federal loans are SEVERELY PAST DUE. Is XXXX past due amount considered SEVERE in the webster dictionary terms of definition? Reference uploaded document XXXX. 

I referenced my approved IDR from XXXX. The visual receipt with URL and date stamp of XX/XX/2022, states Our records indicate that you are not due to recertify your income until XX/XX/2022. Reference document called XXXX XXXX  departmental messages and phone calls are in conflict with each other, and my loan account, giving me mixed communication messages. 

I am assuming I am to " continue following '' the next payment DUE DATE of XX/XX/2022 for all my federal XXXX  loans. Thank you for your time in reviewing my concern. Kind Regards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
To update this suspicious information, I sent a letter to the XXXX credit bureaus. I believe that these accounts have not been verified in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( XXXX  ) ( XXXX ) ( XXXX  ), and I shall take legal action against you for this. I previously included this in my COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {XXXX} ; XXXX XXXX XXXX Balance : {$0.00}.

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 2023-11-27
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 information incorrect

Complaint:
A while back, I successfully settled the outstanding balance on my account with XXXX XXXX XXXX XXXX, ensuring it is now paid in full. However, despite this resolution, the entry persists on my credit report. I promptly contacted the company to request the removal of the account, but the issue remains unresolved. Despite my persistent efforts, the inaccurate information continues to impact my credit history. I am actively engaged in ongoing communication with XXXX XXXX XXXX XXXX to address this discrepancy promptly. It is crucial that the necessary steps are taken to rectify this issue and update my credit report to accurately reflect the current status of my account. I remain steadfast in my commitment to resolving this matter and maintaining the accuracy of my credit history.

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 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Date of Last Activity is reporting inconstantly across all 3 credit bureaus. If this account was properly verified all information should be reporting the same. 
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 2023-09-26
Company: ALLY FINANCIAL INC.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I noticed an unauthorized XXXX contact addition ( XXXX XXXX, phone number : XXXX ) and subsequent unauthorized XXXX payment to that contact in the amount of {$50.00} on XXXX XX/XX/XXXX at XXXX. At this time I was at work with my phone in a locker. I could not have done this. I called Ally bank the next day and alerted them of this so they could secure my account. Representatives confirmed that the addition of this XXXX XXXX to my XXXX contact list was weird because the person also attempted to change my account information ( phone number and email ) to theirs ( XXXX ). Per the representative, the money was sent to a XXXX XXXX  account ending in XXXX. My account was locked so Ally could investigate. I called to regain access to my account and no information was given to me. Representative XXXX called to get more information from me, but could not tell me when I would regain access to my account. She said it may take some time. I called the next day to confirm that XXXX was an Ally representative, and they said yes. This new representative now told me that my account was being closed. She said XXXX told me this the week prior. This was inaccurate. At this point, my salary was still being submitted to that account. I attempted many times to reach Ally 's Fraud department again, and I was left on hold for hours, only for the call to end with a fax dial tone each time. I called again on XX/XX/XXXX and spoke to XXXX who connected me with his team lead XXXX. XXXX confirmed she got the Disputes Department to close, and my case is now being sent for review to the fraud department. It's been nearly 1 month, and my rent is due as is that of my joint account holders. Would be nice to not get evicted because I did the right thing in reporting a fraudulent activity on 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 explanation
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

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 2018-04-03
Company: Navient Solutions, LLC.
State: ID
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:
Navient has repeatedly created confusion on my outstanding Federal Loans causing my consolidated loans to go in default. Not once did I receive ANY information about the default. After having my Federal Income Tax Return Offset from the Department of Labor did I go to NSLDS to look at the status of my loans. 
Only then did I see the status of my loans. And how many I had considering I went to a two year technical school. 
So many different loans, different due dates, different rates ... .over the course of two years? 
I have been struggling to find work this last year and really needed my income tax return as my child and I had lost our home due to my unemployment. And yet Navient got it all. And funny how I never saw that money as a credit towards my many many loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should 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 receipt by such agency of- ( 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 bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 non-monetary relief
Consumer complaint received 2019-04-07
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is a card from XXXX. I have contacted Citi in regards to the payments, i do my payments online and sometimes even though they withdraw the money from the payment they don't apply this amount. They say that the process takes 15 days, in some case i have asked my bank and create a joint call to show that the funds have been withdraw. 
The checking account is the same one and i have used this account for the last two years and always made my payments from the same account. 
i have to pay my credit card in small accounts because if i made a payment higher than XXXX, they hold the payment to reflect in my account for 15 days.

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 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) 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 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 2023-11-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission and Consumer Financial Protect Bureau notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 


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 resulted from an 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. Please delete these items immediately. 

Please see my reasons for dispute below : XXXX XXXX - Under 15 US Code 1681e ( b ) & 15 US Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. I DEMAND THIS ACCOUNT BE DELETED. 

XXXX XXXX XXXX XXXX XXXX CA, XXXX - Under 15 US Code 1681e ( b ) & 15 US Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. I DEMAND THIS ACCOUNT BE DELETED. 

XXXX XXXX XXXX XXXX XXXX CA, XXXX - Under 15 US Code 1681e ( b ) & 15 US Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. I DEMAND THIS ACCOUNT BE DELETED. 

XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX - Under 15 US Code 1681e ( b ) & 15 US Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. I DEMAND THIS ACCOUNT BE DELETED. 

XXXX  XXXX XXXX XX/XX/2023 The following inquiry was not authorized and should not be reporting. These are in violation of 15 USC 1681b PLEASE DELETE. 

XXXXXXXX XXXX XXXXXX/XX/2023 The following inquiry was not authorized and should not be reporting. These are in violation of 15 USC 1681b PLEASE DELETE. 

These accounts should not be furnished in my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b Permissible purpose of consumer report under the following circumstances and no other, ( 2 ) to accordance with the WRITTEN INSTRUCTION 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 the accounts IMMEDIATELY! 

I demand my social security number and date of birth be removed from being displayed on my credit file for privacy reasons. 


Thank you!

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 2022-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
i already have an acct with capital one. i was approved for another credit card. they then restricted both accts. they asked for XXXX months bank statement. I uploaded it. they didn't review it for an entire mth, so they refused to unrestrict it until i sent XXXX to XXXX statement they asked for another bank statement for XXXX to XXXX after they advised me XXXX to XXXX would be useless because its not the latest statement. I uploaded it. they now called and stated they want a bank statement from 3 mths ago now. I have supplied them pay stubs and bank statements multiple times and they refuse to unrestrict both my credit card accts after they verified my identity. it clearly isn't fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: EQUIFAX, INC.
State: NY
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative 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 consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2019 I received a bill from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Ohio XXXX. The bill was for an emergency department visit and XXXX at the XXXX Hospital by XXXX XXXX XXXX, MD. It stated that my son received the services XX/XX/2019. My son does not reside in the United States. I researched XXXX XXXX and found them to be a scam. I ignored the bill. They sent another bill a month later but then stopped sending them. 

On XX/XX/2019 I received a bill from Healthcare Revenue Recovery Group ( HHRG ) XXXX XXXX XXXX XXXX, Florida XXXX. This bill shows the same service and cost as the one from XXXX XXXX. Interestingly enough, the payment would be mailed to the same address as XXXX XXXX : XXXX XXXX XXXX XXXX, Ohio XXXX. I researched HHRG and also found them to be accused of scams. I ignored the bill. 

I received another bill from HHRG on XX/XX/2019. At this point I started researching what to do about this problem. Then, on XX/XX/2019, I received a call from HHRG. The call registered as a local number on my caller ID. The representative did not identify themselves or the company until after I insisted. Then the person attempted to obtain personal information regarding my son and myself. I refused to provide information and told the person that I researched their company on the internet and with the XXXX and that this was a scam. I went on to say that the individual stated in the bill receiving services was not even in the United States and that the physician providing the said service did not work for or with the hospital that supposedly provided the service. Then, I went on to tell them to stop sending me bills and calling. The person then disconnected the call.

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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 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 non-monetary relief
Consumer complaint received 2023-07-29
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$170000.00} XXXX XXXXXXXX Balance XXXX {$4400.00} XXXX XXXX Balance : {$6.00} XXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$10000.00}

Company response to consumer: Closed with non-monetary relief