BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Here is the list of items which are UNKNOWN to me : XXXX XXXX Date opened XX/XX/2019 Balance {$21000.00} and XXXX XXXX Date opened XX/XX/2019 Balance {$34000.00}.

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 2022-11-17
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a savings account with Regions Banks on XXXX and made a deposit in the amount of {$12000.00} and one withdrawal in the amount of {$1400.00}. Since then, I have not touched the account, and just recently when I went to get funds out of the account I was told the account was closed. I have a statement with the account number and proof of deposit but no one at Regions is willing to help me locate my funds. In addition to them not being able to find the original deposit I was also supposed to be getting direct deposits into another checking account monthly since XXXX and I did not start getting them until XXXX even though the depositing company says they were sending 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 2023-06-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: NJ
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/2023 XXXX XXXX XXXX ( XXXX XXXX reported false/incorrect information to the credit bureau causing a huge change to my credit rating. I contacted XXXX on XX/XX/2023 when I was made of aware of my credit score changing and they confirmed incorrect information was sent in error. I requested they send a correction immediately and they refused. I filed a dispute with Experian on XX/XX/2023 and reached back out to XXXX to respond to the inquiry but they failed to respond to Experian. 

This issue has caused my excellent standing to fall from an XXXX credit score to a now XXXX score. This issue was initiated by XXXX and they refuse to resolve this matter with any sense of urgency. Due to the negligence of this company my financial status with other accounts is now in jeopardy.

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 2022-10-21
Company: EQUIFAX, INC.
State: RI
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:
Hard inquiries need to be removed from my account. Please remove inquires on my account and reflect no inquiry on my account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Maximus Education, LLC dba Aidvantage
State: IL
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 called to request a refund of payments made through the covid payment pause on XX/XX/XXXX. I was told it would be sent through. 

I called on XXXX to make sure it was approved and going through, which I was told it was approved on XXXX and I should expect something from them within a 4-6 week timeframe. 

I called XX/XX/XXXX to see when my balance on the Aidvantage website would update, which I was told that my request was never actually sent to the treasury for review. So I asked what needed to be done to get my request sent, which at this point was a month past my actual, initial request and was told they would handle it. 

XX/XX/XXXX I called to see if there was any update on my refund request and I was told it was barely sent on XXXX. So I have no idea why it is being dragged out this long when I was very much depending on this money for a financial emergency. They tell me there should be some movement within the next few days to my online account. 

XX/XX/XXXX I call again because I wanted to make sure everything was going through because I have very little trust in this process anymore since it seems all of my attempts to get this refund have been stalled. The Rep tells me they will escalate my issue and put me in queue with the rest of the borrowers who put in their request at the same time as me, but then I get an email saying my request was sent on XX/XX/XXXX and it will take up to 8-12 weeks from then. 

I have been given so many different responses and I just want to be given one, true answer with what to expect if I will ever been given this refund that was requested almost two months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: WELLS FARGO & COMPANY
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I had aribration with Wells Fargo Bank. I sent them a email 24 hours in advance to have them cancle and get a new time for a couple reasons. The thing Wells Fargo did it without me and told JAMS I had not sent my paper work in to XXXX at Wells Fargo. That is not true. She confirmed the First batch I sent and never did the second batch. Then they told the XXXX a lie about me calling 13 years ago and telling them I didnt want my only Transprotation I am XXXX that is not even possible, The Jams came up with 2000 more in a refund. Wells Fargo has paid me XXXX which I sent back. Then XXXX. 
then XXXX with all these checks Wells Didnt gtet a hold of the Trustee from the Chapter XXXX I had to file because of wells Fargos Fraud XXXX Now when I ask about Outside Help and They sent a letter telling me how they will have to get a hold of Trustee now. 
Thats fine I have a Lawyer and she has the paper work I only used XXXX of my exemptions and I didnt own a home so I have XXXX there to be able to protect this. I never have had IRS issues in my life and the Crazy things that is going on with them sure soulds alot like a Case wells forclosed on a home and the Guy raised a stink next thing he is having IRS issues because Wells fargo Bank told the IRS to mess with the guy. I believe fully thats what Wells fargo Bank has done to us. Anybody that would say I didnt send my paper work and so on would do anything.

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 2022-12-01
Company: EQUIFAX, INC.
State: IL
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 account # XXXX, and account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A : states I have the rights to privacy.

15 U.S.C 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This companies response did not address any of my complaint and deflected from the fact that they violated my HIPPA rights and privacy. I requested this company provide me with a contract bearing my signature between myself and them. I will be filing a HIPPA complaint on this company. This debt was not verified. This is not my debt. This company stated they will stop all communications at my request. I requested they remove this negative item from my credit report and cease and desist all collections efforts. In their response the stated I requested to cease and desist all communication. I demand National Recovery Agency to remove this item all 3 of my credit reporting files. I will be sending the documents you use to violate my HIPPA rights and privacy to the Office for Civil Rights ( OCR ). I request also that the CFPB send this response back to the National Recovery Agency for an appropriate resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
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:
XXXX and Transunion are reporting incorrectly a repossession on the XXXX partial account number ****XXXX. ( Please see page 3 of the attached credit report. ) I voluntarily turned this car in at the dealership where it was then sold at auction. I was sent to collections for a larger amount then what was originally owed. It is illegal to take me to collections for an amount owed above what the original debt was. This incorrect reporting is harming my credit score and this item needs to be removed from 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 explanation
Consumer complaint received 2019-11-12
Company: EQUIFAX, INC.
State: NY
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 recently discovered there are several inaccurate accounts and charges on my Equifax report as a result of identity theft. As a result, they are destroying my credit. These accounts are as follows : XXXXXXXX XXXX XXXX Inaccurate charges due to identity theft Account # : XXXX Date Reported : XX/XX/2019 XXXX  XXXX Fraudelent Charges. Don't belong to me! 
Account # XXXX Date Reported : XX/XX/2019 XXXX  XXXX INACCURATE CHARGES DUE TO IDENTITY THEFT. 
Account # : XXXX Date Reported : XX/XX/2019 XXXX XXXX XXXX Fraudelent Charges that do NOT belong to me as a result of Identity Theft. 
Account # : XXXX Date Reported : XX/XX/2019 XXXX Fraudelent Charges and victim of identity theft. No knowledge of this account and charges. Please validate!!! 
Account # : XXXX Date Reported : XX/XX/2019 XXXX XXXX XXXX I recently received a collection letter from XXXX and was shocked! I have no knowledge of these charges and believe i have been a victim of identity fraud!!! 
Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Wrong address listed on file and employee XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ny XXXX wrong address XXXX XXXX XXXX # XXXX, XXXX TX XXXX wrong address XXXX XXXX wrong employer The right employer is 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 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX XXXX  XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1500.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX XXXXXX/XX/2022.

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 2019-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 disputed 2 accounts on my credit report that show as open bu are more than 7 years old. When I requested Transunion to remove the accounts per the fair credit reporting act, they did not do so.

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 2022-10-21
Company: EQUIFAX, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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: Information belongs to someone else

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 2023-05-21
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: Information belongs to someone else

Complaint:
i didnt authorize a hard pull on my credit from XXXX XXXX XXXX XXXX or XXXX  XXXX, i would like those hard inquiries removed please.

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 2023-03-28
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am a veteran, I was given a phone number to call and schedule me an appointment for an increase on my claim/XXXX. I had requested an appointment and then received my appointments and I also had to se a XXXX  during a facetime interview. There was nothing signed. I reached and made this appointments my self. I was later notified and harassed by this person name XXXX who told me to XXXX  him payments XXXX  name ( $ XXXX ). Payment XXXX XXXX he received XXXX. 
He was able to see my medical files and tell me about my claims without my knowledge, breaking every chain of HIPPA. He has sent information to the collection company named American profit Recovery Inc. for an amount of XXXX. This is not only fraudulent ; harassments ; this man nor company did nothing. He was able to contact me and tell me I received a 100 % on my XXXX thorough VA. That alone is a HIPPA Violation. I had to put extra security on my accounts because he was able to see them. How? He did not help me any any way. I called and got this set up myself. So, im not understanding the debt collection. I called and scheduled my appointments and was out sourced for them. I owe this an or fraudulent company nothing. I have informed also made the VA hospital aware of this scam, I also let them know about an employee XXXX XXXX and XXXX XXXX " Department Of Veteran Affairs LR AR who is also in on this scam with him getting wealth off XXXX veterans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation