BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-16
Company: Medical Data Systems, Inc.
State: NC
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:
My purse including my personal information was stolen XXXX, authorities were contacted with incident being reported, and a fraud alert was placed on my credit profile. Recently I attempted to obtain a line of credit and realized that accounts that I have no affiliation or knowledge of have been placed on my credit profile. I requested account verification, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating USC 1681. Not only are these companies furnishing accounts without my consent, but are reporting Identity theft accounts, which again are in violation with the FCRA.. ACCOUNTS LISTED ARE : XXXX XXXX XXXX XXXX XXXX  ( ACCT # XXXX ), with a balance of {$3600.00} XXXX ( ACCT # XXXX ) with a balance of {$1100.00}. XXXX. XXXX XXXX ( ACCT # XXXX ), this account is listed twice with balances of {$1900.00} and {$2000.00} ( not sure when accounts were opened ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: NC
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 consent to, or authorize nor benefit from any of the following inquiries. Block and remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: MI
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$330.00}

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 2023-11-16
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received two American Express gift cards in XXXX of 2023, one with a balance of {$10.00} and the other with a balance of {$50.00} and I can not use either one online or in store. I have tried multiple merchants and websites, different amounts, and its declined every time. I tried calling the customer service number on the back of the card, but it does not offer the option to speak to a person, and the automated options are to either check your balance or report your card lost or stolen. The cards are activated ( I was able to verify that online ), but that's as far as I can get.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: MI
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 XXXX XXXX XXXX XXXX XXXX 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 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and 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.

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 2023-11-16
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is the third time that this has been on my credit report from different companies. Requested information and you only sent me a bill. Nothing with my signature on it. The first company that tried to collect on this was XXXX XXXX XXXX, and it was removed from my credit report. The second company XXXX XXXX XXXX and it was removed also for my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: ENCORE CAPITAL GROUP 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: Their investigation did not fix an error on your report

Complaint:
Midland Credit Management, a debt collection agency employed by XXXX Bank reported a debt of {$640.00}, which was already incorrect and reflected fees and charges not associated with the original account filed a court lien against me in XXXX XXXX GA where I reside. XXXX XXXX the attorney 's office used to file the lien sent over a settlement agreement where the full debt would be settled for two payments of {$280.00} ( XXXX total ) to settle the debt. Both payments were received on XX/XX/2022. I was told 10 days from the last payment received that I would be sent the appropriate documentation and that the court lien would be withdrawn. Both Midland Credit and XXXX XXXX have failed to send appropriate documentation and continue to hold remaining debt despite our settlement agreement and refuse to update the credit beaurus with correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have 4 credit cards with capital one, 4!! And I tried to pay them off almost completely on XX/XX/XXXX. The next day 3 of them showed the payment and the new available credit. 
The card ending with XXXX has not showed the available credit, and they said for some stupid reason they put a 5 day hold on the payment!! It has cleared the bank and in their system it has NO PENDING TRANSACTIONS!! I paid {$800.00}! And they will not give me any available credit!! I do not want this 5 day hold on this card, all the other cards didnt have a hold on them!! I want this credit available NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been with Navient for probably 12 years now. I have never been able to afford to make payments on my loans, due to my debt being so much higher than my income. Navient never ONCE offered me the option of an Income driven repayment plan. I have talked to them dozens of times over the years.

I found out about it on my own about two years ago and requested it from them. I have been in forbearance ALL of these years while my interest has continued to accumulate and skyrocket my balance into a payoff amount I will never be able to afford and nearly double my amount owed at graduation. I understand there is a law suit against Navient for this matter and I want them to write off my accumulated interest due to their unsavory and unethical collections practices. Please help! 

Had I been on this IDR back when I started asking for help, I would be almost half-way through the commitment as opposed to only a few years in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: ROBINHOOD MARKETS INC.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
My robinhood account was compromised/card. They stole over {$3400.00} in funds. Robinhood only puts a measly {$13.00}. Credit in my account. But denied the rest of the same fraudulent claims that happened on the sameday. My car insurance canceled because they money I thought I was getting back robinhood failed me. Now iam facing eviction because of robinhood lack of concern or care. No CS agent can't explain how one charge was found. As fraud but not the rest that occurred on the same day. This is in totally violation of the consumer protection laws. In violation or Regulations E ... .at this time I would like my funds released to me. Thankyou

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
We gave the landlord the required notice to break the lease early and also forfeited our security deposit, but an outrageous debt amount of {$8100.00} was posted on our credit report for collections without us ever being contacted about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Hello, My name is XXXX and I am writing with great disappointment at Capital ones service, I am still unable to access my account for over 3 weeks as funds in it has been frozen without any official explanation, since XX/XX/XXXX due to funds sent from my cousin XXXX XXXX which I tried to transfer but to no avail ever since capital one is yet to provide any adequate information or detail I need more information on my accounts status funds received returned to sender ( XXXX XXXX ) if my full access is not reinstated. 

My account details below : Amount : XXXX Bank : Capital one bank Account name : XXXX XXXX XXXX Account number : XXXX Routing number : XXXX Regards, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Today XXXX I received a letter from XXXX XXXX stating that a credit application had been denied back on XX/XX/2022 and listed a credit score that was incorrect to my credit score. 

I immediately called the company was transferred multiple times with no resolution. After asking for a manager several times I was passed off to TransUnion and told they were the ones who provided the incorrect information and this was based on a review of my closed account with them. I told them this doesnt make sense because this letter is stating that I was denied for a credit card I did receive and that was closed due to inactivity. I also asked once I contact Trans Union they advise of my correct score and it does not match listed score who do I contact then. Representative hugged and did not answer my question and requested I contact Trans Union I did contact TransUnion and they did confirm the reflected XXXX score was not correct on their end and they would not have reported that. 

I called XXXX XXXX back and told them this information and was basically told they could not help me and I would have to submit written confirmation and now they could not see this letter. 

Claim XXXX  with TransUnion is XXXX XXXXXXXX XXXX Did not provide a reference number to any of my calls just that I spoke with XXXX Rep 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 2022-01-30
Company: CITIBANK, N.A.
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:
I have recently gotten off the phone with you all about the account on my profile .Explained numerous times that this is being fraudulently reported on my consumer report and must be legally removed based on the FCRA rights and under the 15 US Code 1681bXXXX Permissible Purposes of consumer reports. You have violated 15 USC 1681B ( XXXX ) ( A ) ( i ) ( XXXX ) ( XXXX ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 

I did not give my written consent for you to present this out to the public being my consumer report please remove this account from my 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 2019-01-21
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I have made multiple attempts to dispute an inaccurate public record on my credit report. Despite my request for proof of verification, methods of verification, etc., the company only responds with the " information has been verified ''. 

Failure to provide me with the requested information is in direct violation of section 609 of the FCRA rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
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:
I am a victim of identity theft there has been attempts to open credit cards and car loans under my name giving me hard inquiries on my credit report that are not mine. Im attaching my identity theft report which states all the inquires that are fraudulent & must come off. I will also be attaching my license as proof of my identity. The inquiries that are fraudulent are XXXX XX/XX/202XXXX 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 2019-01-21
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My issue is with Navient I called on Friday, XX/XX/XXXX and requested first to speak to the advocate team. I was instead directed to someone in customer service. 

All the information on my account was incorrect, the phone number was out of date, the address and email. I informed the customer service representative that I was unaware of my circumstances pertaining to my account as I was out of the country completing my training for a new career. As well as that my school forbearance was no longer active. 

I updated my information and was enrolled into a program that was supposedly income driven. I gave them my information and made my first payment to come out XX/XX/2019. I specifically asked that since I am enrolling in this program and making a payment will my credit be negatively affected to which the the representative responded youre enrolled, you will be fine. 

I was reported to the major credit departments for non-payment. I called today to ask what happened and was told that no one promised that my credit would not be affected and that my payment is a partial payment and wont apply towards my forbearance for 3 months. I was never told this on the phone, just that as soon as I am enrolled into the income driven program It would reflect on my account. 

I spoke to a supervisor today XX/XX/19 at XXXX at Navient who told me ( without reviewing the call record ) that my complaint never happened. The supervisor also told me that the program is not income driven it is a type of forbearance used to get accounts back on track. Also i was told by the supervisor that I should change my payment date to the XX/XX/XXXX to avoid any other reporting. When asked if i could have email of our conversation, i was told that is not possible and that I would have to take their word that a note will be added to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have a XXXX charge card through Capital One or did have as I have now closed the accounts and all my accounts with Capital One. I had bought 2 large ticket purchases that are interest free for 12 months! Capital One has now on 2 or more times during the promotional period they have made it necessary for me to waste my time to call them to correct the problem. 

They can not get it straight that 12 months interest free means 12 months intrest free! 

I have reached out to XXXX about the issues and also told XXXX that I will no longer do business with XXXX. 

Capital One needs for the government to look into all of Capital One now! But I am sure they will not!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Frontline Asset Strategies, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

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