BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached the notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: OH
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 this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX XXXX Balance : {$13000.00}

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 explanation
Consumer complaint received 2022-05-06
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX 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 non-monetary relief
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-05-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. 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 2022-11-04
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: Credit inquiries on your report that you don't recognize

Complaint:
I DID NOT AUTHORIZE, CONSENT TO, NOR BENEFIT FROM THE FOLLOWING INQUIRES, BLOCK AND REMOVE THEM. 
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 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 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 2023-01-11
Company: MOHELA
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted an application for the XXXX on XXXX XXXX. I uploaded my past and current employer. My current employer wasn't coming up under the database online, so I had to enter my current employer manually. I have been employed with a governmental organization since XXXX of XXXX. I was told that I needed to provide documentation from my current employer stating that they are a governmental organization and that they are tax exempt. I provided this information in XXXX. I have been constantly calling Mohela and have been placed on hold for hours before being able to speak with a representative. After finally being able to speak to a rep, I was told back in XXXX that my current employer had been verified as being a eligible employer, but after receiving my letter from Mohela it stated that I am eligible for XXXX payments but I have only been approved XXXX payments and that XXXX payments need employment certification. So, I contacted Mohela again after receiving my letter and told the rep that I was told back in XXXX of XXXX that my employer had been verified as a governmental agency. I was told by the rep that it had not been verified and that it is still being processed and it can take up to 90 days. I called back in XXXX of XXXX and was still told the same thing. I called back today, XX/XX/XXXX and I was told by the rep that it's still being processed and that it takes XXXX business days. At this point I'm irritated because you have to listen to a million prompts before even being transferred to the department you're needing. Then you have to wait on hold for hours before getting a rep on the phone. So, I finally had a lady to pick up today and after she told me that it was still being processed, I demanded to speak with a supervisor because I wanted to make a complaint because I feel like my case is not being handled seriously and that I'm being given the run around. She placed me on hold for a while and finally came back to the phone and said that she was transferring me over to her supervisor. That was over an hour and XXXX minutes ago and I'm still on hold waiting for a supervisor to pick up. This is absolutely ridiculous!!! No one should have to file a complaint in order to be taken serious. I have about XXXX coworkers who have been told the same thing that I have been told. It should not take this long to verify an employer. It has been almost a whole year. I feel that all governmental organizations should be updated in the student loans.gov database so no one have to go through this and wait this long. At this point I should be close to having XXXX eligible payments in order for my students loans to be forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: TD BANK US HOLDING COMPANY
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
I had a TD Bank credit card that was never used, other than a recurring payment to XXXX. When it expired, and they sent a replacement, I never even activated it, as I never used it ( I had XXXX cash-back cards with other banks that I used ). Since I never used it, and it was setup on auto-pay, I never looked at the account. In XX/XX/2023, I logged on, and saw that they let XXXX fraudulent transactions through without catching them as atypical behavior. ( BTW, I work in financial risk management ) I disputed the transactions and closed the account. The disputes were investigated and determined to be fraud, and I ultimately received a check for the balance of the closed account. I shredded the card which still had the sticker on it since I never activated it or used it. 

In XX/XX/2023, I received an email indicating that I had a charge on the account in XXXX and a balance due. The charge payee name was a variation of the XXXX slightly variating fraud charges from XXXX. I contacted TD Bank regarding the charge that occurred 3  months after the account was CLOSED. After many calls and being told that I needed to go into a branch to be authenticated a few times ( BTW, there are no branches in the XXXX XXXX area where I live ). I did reach a competent person who acknowledged the account was closed in XXXX ( as do all the credit agencies ) had no explanation for how a charge could hit an account that had been closed for 3 months, and opened a fraud dispute. I received the dispute research results, and they determined that there was no fraud. HOW IS THIS POSSIBLE? The account was closed and only used for the XXXX recurring charge for over a year prior. It is bad enough their fraud detection processes are so poor they didnt catch the blatant atypical behavior on the early fraud charges, but to allow a new ( non-recurring ) charge on an account that had been closed for 3 months, and then their fraud research is so incompetent as to determine that it was a legitimate charge is unbelievable!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
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:
I have requested an update to my information on the credit report, but so far, I have not received a response. I have sent the requested documents, but I haven't received any replies. I only have an ITIN number, and I received two reports, one of which has no SSN information, and the other includes an SSN that does not belong to me. My ITIN is XXXX. I have attached all of my information.

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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04
Company: EQUIFAX, INC.
State: OR
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 items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items below : XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX OR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX OR XXXX XXXX Balance : {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: IL
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:
IT IS CUSTOMARY AND PRECEDENCE AS WELL AS CONSURMER REPORTING PRACTICE TO NOTATE WHEN AN ACCOUNT IS IN DISPUTE. THIS ACCOUNT WAS NOT NOTATED AS SUCH, THEREFORE MANDATING THE REMOVAL OF THE 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 2022-11-04
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 or 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: LA
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:
FTC Report XXXX I never gave written consent to any of following to report on be have. XXXX, XXXX Experian nor XXXX XXXX, XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX. They violating fair credit reporting act, fair debt practices act and my fifth amendments

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 2023-10-16
Company: VYSTAR CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is the final attempt to cure. I have asked vystar to remove negative items off my credit report. No signed contract with my wet signature was given. No written consent was given to furnish negative items on 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 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : 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 2023-10-03
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My name is XXXX XXXX. On XX/XX/XXXX or XXXX 2023 my previous landlord XXXX XXXX sent a partial refund on my deposit in the amount of XXXX and some change. My landlord sent money via XXXX to my phone number XXXX. I got a text message to that number saying that the funds will be available to my Navy Federal Credit Union checking account. However I do not have a XXXX account nor a NFCU account. My wife has a XXXX account through Navy Federal Credit Union. I tried to set up an account through XXXX but each customer service associate that I have spoken to has directed me to NFCU saying that my phone number is associated with a NFCU account. My money is now in limbo. XXXX refuses to help me and NFCU is also not able to do anything to help. I have my money somewhere in the system and no one is able to help me. I find it disheartening that XXXX nor NFCU is able to assist or even understand my situation. They both keep blaming each other. I have never had a XXXX account, I just recently began trying to use XXXX. And I have never had a bank account or a NFCU account. The only thing I need to happen is for my phone number XXXX to be deleted completely from XXXX and NFCU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 called the 3 Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/22. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an erroneous account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I am hoping that this account will be corrected. 


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 2023-04-21
Company: Oklahoma Student Loan Authority
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been paying the Oklahoma Student Loan Authority for my Federal Stafford Loans since XXXX after making over 10 years of payments I realized that none of my payments were going to principal even though I was paying over the amount billed. It wasn't until XXXX and XXXX when I found out what Stafford Loans actually were and how the payments were only processed to my interest and not my principal balance. I have paid approximately {$5000.00} in overpayments that have just disappeared. I was unable to negotiate a resolution with the Oklahoma Student Loan Authority and they advised me that my only option to lock in my monthly payments was to refinance with the Department of Education and move my loans which essentially makes me start all over again. Had this information been explained to me I would not have taken out the Stafford Loans or agreed to any kind of interest only payments. It is very deceitful to take students who don't know much about student loans and not give them vital information related to repayment. I have seen many other students online talking about predatory student Stafford loans especially since Stafford loan payments were not suspended during COVID and only when I move my loans to the department of education did I get any kind of COVID relief and the ability to lock in my monthly payment amount to guarantee that my interest would finally be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX Account # XXXX has violated my rights. 

XXXX  XXXX Account # XXXX has violated my rights. 

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

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