BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
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: Information belongs to someone else

Complaint:
I was the victim of identity theft and fraud. This account is not mine. The account is fraudulent. I have a police report saying that my identity was stolen. I have also filed a complaint with the FTC. 

Further, the creditor can not even find the account for me as I have already tried contacting the creditor to get more information about the account. The creditor states they can not find the account with my information and my social security number. As such, I don't see how your agency can find the account in the letter verified as the original credit can not even verify the account when I tried contacting them. 

Under the FCRA, federal law requires the consumer reporting agencies ( CRAs ) to follow reasonable procedures to ensure 100 % accuracy of information contained in my credit report. If I suffer damages as a result of the consumer reporting agencies violation of the FCRA, then I may bring a private lawsuit against the CRAs.

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 2020-06-19
Company: Conduent Incorporated
State: AL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I realized my debit card had been stolen through the GoProgram AL Child Support. I was able to immediately cancel the card but I could not dispute any of the transactions that occured through my online account or through calling them to dispute the transactions. I tried to call the number multiple times to other ever get a recording saying " we are experiencing heavy call volume. Please try again later. '' I tried to call my local DHR and they told me they had no other way to help other than to keep trying the same number. I tried to call XXXX XXXX, who issued the card. They told me they only issued the plastic and again I would have to contact GoProgram directly. It has been a week now and I still not can not get anyone to answer my calls. I had almost XXXX taken out of my account and I can not get any of my funds back because no one answers. 
The transactions that were made were : 1. XXXX {$14.00} XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX  {$340.00} XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX {$120.00} XX/XX/XXXX 5. XXXX {$30.00} XX/XX/XXXX 6.XXXX ( 4 transactions on XX/XX/XXXX ) {$27.00}, {$19.00}, {$13.00}, {$15.00} 7. XXXX {$20.00} XX/XX/XXXX 8. XXXX XXXX XXXX {$27.00} $ XX/XX/XXXX 9.XXXX XXXX {$21.00} 10.XXXX XXXX XXXX {$10.00} XX/XX/XXXX 11. XXXX XXXX {$15.00} XXXX 12. XXXX XXXX XXXX  {$110.00} XXXX 13. XXXX   {$33.00} XXXX 14. XXXX  {$8.00} XXXX 15.XXXX {$11.00} 16. XXXX   {$21.00} I did not realize my card was stolen until XX/XX/XXXX when I signed into my mobile account. I was able to cancel the card immediately. All of these transactions happened in XXXX, GA, XXXX, GA and some were even in New Jersey. I live in Alabama. The total amount of money stolen from my account is XXXX. I can not believe I have spent over a week calling over and over again everyday and there is no bank associated with this " goprogram '' or no kind of customer support that answers the phone. It also frustrates me that I can not dispute any of these transactions online. There is a button for it on my account but it does not let you click it. It just says if you suspect fraud, call immediately. Well calling immediately does no good if no one can answer the phone. I just want the money back in my account. Please help!!! I do not know what else to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: Experian Information Solutions Inc.
State: KS
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:
Please be advised this is my last and final attempt to correct these inaccuracies any response except for removal of this account will force me to pursue legal action. 12 U.S. Code 5561 ( 5 ) VIOLATION.

I am exercising my right under the Fair Credit Reporting Act, 12 U.S. Code 5561 and 15 U.S. Code 1681n. I am demanding you remove this item immediately. XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX : XXXX, Experian Account Number : # XXXX, XXXX Account Number : # XXXX. This account is being reported illegally. If not removed immediately, I will pursue all legal remedies at my disposal. 
The term violation means any act or omission that, if proved, would constitute a violation of any provision of Federal consumer financial law. 
Your attached email stating that you XXXX and XXXX XXXX XXXX XXXX made changes to this account provides proof or Act and Omission it also provides proof that you made false statements. 
It is illegal for a business to make statements that are incorrect or likely to create a false impression. This includes advertisements or statements in any media ( print, radio, television, social media and online ) or on product packaging, and any statement made by a person representing your business. 
-Willful Noncompliance : there are inconsistencies in the account number reporting that may lead entities to assume that there are more that one account with XXXX XXXX XXXX XXXX XXXX 
15 U.S. Code 1681n ( a ) IN GENERALAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of Violations : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Experian Account XXXX : # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX : # XXXX XXXX. XXXX XXXX XXXX XXXXXXXX 12 U.S. Code 5561 5. XXXX XXXX XXXX XXXXXXXX 15 U.S. Code 1681n

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 2020-06-18
Company: ALLY FINANCIAL INC.
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased a car from XXXX XXXX in XXXX for {$9500.00} dollars with {$400.00} down at 14 % interest rate. My account isn't moving. To date I've paid {$11.00}, XXXX and they are saying that I have an additional {$8400.00} left on this car. They have not provided me with an explanation of why this car which should only be {$13000.00} and some change. Is now {$20.00}, XXXX dollars. This is highway robbery. They are saying that the cost is {$3.00} everyday for the life of the loan. But even that does not make it {$20000.00} plus for this car. I need to be refunded and they can have this car back. Am I able to sue them?

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 2022-09-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There are old credit card accounts that are over seven years old and need to be DELETED from my credit files from all three credit bureaus ASAP because the accounts no longer belong to me per the open dates and time frames. This is against the law to keep damaging reports on a file for over seven years. Please DELETE all six listed below. 

1. ) XXXX XXXX, acct no. ending in XXXX, the date opened, XX/XX/XXXX 2. ) XXXX XXXX, acct no. ending in XXXX, the date opened, XX/XX/XXXX 3. ) XXXX XXXX acct no. ending in XXXX, the date opened, XX/XX/XXXX 4. ) XXXX XXXX, acct no. ending in XXXX, the date opened, XX/XX/XXXX XXXX. ) XXXX XXXXXXXX XXXX XXXX  XXXX, acct no. ending in XXXX, the date opened, XX/XX/XXXX XXXX. ) XXXX XXXXXXXX XXXX XXXXXXXX, acct no. ending in XXXX, the date opened, XX/XX/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 2022-07-25
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Over the past several months I have attempted to contact Fed Loan Servicing multiple times to ask questions about my loans. Each time I have called, I am on hold for no less than 2 hours. On multiple occasions I have finally gotten through to someone, only to be hung up on or placed back in the cue to wait hours again. 

The most recent instance of this happened XX/XX/XXXX, when XXXX, ID number XXXX, said she was going to place me on hold, and I was then sent back to the cue to wait another hour and a half. When I finally got a person on the line, she was rude and unhelpful, did not answer my question, and hung up on me. Her name was XXXX, ID number XXXX. 

I have multiple payments under PSLF that have not been counted correctly, and it has been impossible to speak with someone in advance of the XX/XX/XXXX XXXX waiver deadline. Additionally, Fed Loan Servicing constantly rejects or inaccurately reviews employment certification forms, forcing me to constantly call to fix it. For example, I submitted an employment verification form in XX/XX/XXXX that shows I have been working for my employer since XX/XX/XXXX. All of those payments were counted, except for XXXX XXXX XXXX with no explanation, other than utter incompetence. Additionally, in XX/XX/XXXX I was told I could make up for non-payments if I was with a qualifying employer during those dates. So I made a payment for XXXX and XX/XX/XXXX, and the XX/XX/XXXX payment was rejected. I have been unable to reach someone to ask why. 

I am requesting CFPB to connect me with someone who can review my PSLF and answer my questions, as well as correct the missing payments so that they show correctly and my payment count is accurate. There will be a new servicer soon, and I can only imagine the chaos we as borrowers will need to endure. We can not even trust the current servicer to manage the PSLF correctly, I imagine the transfer in servicer will not be a smooth one.

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

Complaint:
To have all incorrect personal information removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello! 

I spoke with XXXX at Capital One for over 30 minutes to try to resolve this issue. On XX/XX/XXXX, I opened a bank account and used my Quicksilver card to make a {$1000.00} deposit. I was surprised to realize that this was considered a cash advance. I immediately called Capital One and was informed that I would not have any further charges ( I had already been charged {$7.00} on XX/XX/XXXX ). I immediately made two payments ( one for {$990.00} and another for {$100.00}. This should have negated the cash advance. I also made purchases and paid those off. I was wrongfully charged another {$5.00} in cash advance interest. Spoke to XXXX to try and resolve this issue and while he was nice in explaining what happened I still do not feel I should have been charged and he would not waive the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
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:
n accordance with the Fair Credit Reporting act 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 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 2023-08-22
Company: Experian Information Solutions Inc.
State: OH
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:
Recently took a look at my credit report and noticed some hard inquiries that are not familiar. I reached out to the company 's and requested my authorization documents only to be ignore. Violating section 609 and 604. I would like all theses hard inquiries from all 3 credit bureau immediately it's affecting my ability to get approved for offers. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below 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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS XXXX : XXXX Dear Sir/Madam, I am writing this letter to dispute some of the negative items that are being reported on my credit report by your company. I have recently obtained a copy of my credit report and noticed that there are some inaccuracies and discrepancies that need to be addressed. 

Firstly, I would like to address the charge-off account reported by XXXX, account number XXXX. I have never had an account with XXXX and I believe this account has been mistakenly added to my credit report. I request that you investigate and remove this account from my credit report immediately. 

Secondly, I would like to dispute the charge-off accounts reported by XXXX XXXX XXXX XXXX account numbers XXXX and XXXX. I have never had an account with XXXX XXXX XXXX and I believe these accounts have been mistakenly added to my credit report. I request that you investigate and remove these accounts from my credit report immediately. 

Thirdly, I would like to dispute the charge-off account reported by XXXX, account number XXXX. I have never had an account with XXXX and I believe this account has been mistakenly added to my credit report. I request that you investigate and remove this account from my credit report immediately. 

Fourthly, I would like to dispute the collection account reported by XXXX XXXX XXXX XXXX, account number XXXX. I have never had any dealings with XXXX XXXX XXXX XXXX and I believe this account has been mistakenly added to my credit report. I request that you investigate and remove this account from my credit report immediately. 

Lastly, I would like to dispute the charge-off account reported by XXXX, account number XXXX. While I did have an account with XXXX in the past, I believe that this account was settled and paid off in full. I request that you investigate and update the status of this account accordingly. 

I request that you investigate these disputes and make the necessary corrections to my credit report as soon as possible. Please send me a written confirmation of the outcome of your investigation and the actions you have taken. 

Thank you for your attention to this matter. 

Sincerely, 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 2022-09-18
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never signed a contract or entered into a legal agreement with your company or firm. No information has been sent to me and nothing has been proven that neither the information you many have or the debt belongs to XXXX XXXX. Your company has engaged in collection activity prior to validating a debt and has not submitted any documentation to support your claim. This is to serve as your legal notice under federal law ( The Fair Debt Collection Practices Act ) to cease all communication with me in reference to the account above. I do not have an account with your company nor have I ever has an account with any company you claim to represent. Remove this account upon receipt or I will file suite against officers of your company and your company within 5 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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told by a representation at TransUnion when I called to submit different types of documents to verify my identity.

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 2023-07-26
Company: V and H Portfolio
State: CA
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:
Vance and Huffman LLC added a collections to my credit reports on XX/XX/2023. The original creditor supposedly XXXX XXXX. I have tried to explain to the collection company that this is not my debt. They sent me " validation paperwork '' and I explained to them that it was not my address, email address or bank account on the paperwork. That my mail box was broken into several times and that this debt is not mine. I then filed a dispute with the credit bureaus and the credit bureaus said that the collection agency validated the debt, but how could they when the information is not mine?? I have attached what the collection agency sent and it is not my information. The credit bureau is incorrect in keeping this on my credit report because as I explained to them that it is not my address, email address or bank account. This is not okay because I have now been denied a home repair loan and will be fined by my HOA. This debt could not have been validated by Vance and Huffman because it is not my debt and does not match my information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-25
Company: WESTERN UNION COMPANY, THE
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Hello XXXX, I initiated a money transfer from XXXX to XXXX via western union for XXXX usd, XXXX # is XXXX it suppose to be transfer on XXXX XXXX, however they did not transferred the money and claim to be transferred in the XXXX bank XXXX XXXX XXXX I contacted them on XXXX and XXXX XXXX of XXXX  and they said it will be done today bit in fact it was never transferred. also their representative said that if the transfer docent goes they will refund me on XXXX XXXX. Today on XXXX XXXX when i contacted them they denied to do refund and they did not helped me. This is very urgent transfer and they are not doing any kind of transfer or any refund also please help me sir. I provided them a proof of money transfer where there is no money deposited in my receivers account. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
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:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation