BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-25
Company: EQUIFAX, INC.
State: IL
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:
I took out a new car loan in XX/XX/2019 with XXXX XXXX. I got behind on one  payment in XX/XX/2019 by a few days on it and they ended up putting a 30 day late on my credit reports. I called and asked them if they would remove the mark on my reports after I paid it as soon as I could after I switched my accounts due to issues with my bank account and having my direct deposit transferred timely with my employer the State of IL to my new account. They were rude and refused to do so, even though I have proof from online that they have done it for others in the past. Then they did not even report my XX/XX/XXXXand XX/XX/XXXX payments I made on time after that, showing NA on my credit reports. I contacted the credit bureaus and they contacted them supposedly but still have not fixed all. I was only late on the one payment and expect all other payments to show paid as agreed!! This is what they are showing on my reports and the company information, there is a green check mark over each month ( which did not copy with the information ) for XXXX, XXXX, XXXX, until you get to XX/XX/XXXX, then it says 30 over the XX/XX/XXXX pmt then NA over XX/XX/XXXX and nothing over XX/XX/XXXX which I also have already paid, all payments were made on time, except XX/XX/XXXX so all payment from XX/XX/2019 to today should show a green check mark and paid on time except the one only, they are intentionally not reporting to get back at me and try to make me look bad, it also says customer disputes account, which I have no idea what that is, I disputed how they were reporting. If these companies can not report my information correctly they need to be shut down, they have no business being in business if they can not complete a simple thing like this!!!! Please enforce the laws!!! 

XXXX XXXX Payment Status On Time Amount Past Due {$0.00} Payment History 1 Late Payment XX/XX/201930 N/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$22000.00} Date Opened XX/XX/2019 Account Type Auto Loan Term 48 Months Min. Monthly Payment {$590.00} Highest Balance {$25000.00} Responsibility Individual Account Disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions 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. 

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 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 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 2019-08-25
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:
Multiple addresses are reporting on my credit report, that is not my correct mailing address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL

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 2023-11-30
Company: Experian Information Solutions Inc.
State: CA
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 submitted a dispute to Experian for a negative tradeline on my report : XXXX XXXX XXXX which they have listed twice with the same address identification number : XXXX. Experian is reporting this tradeline with " no data '' making this tradeline data INACCURATE & INCOMPLETE. 

Experian violates the following FCRA laws : 611 ( 5 ) ( A ) inaccurate ( listed twice ) & incomplete data ( " no data '' remarks ) 607 ( b ) accuracy 623 ( a ) ( 1 ) ( A ) reporting information with actual knowledge of errors ( " no data '' ) 623 ( a ) ( 1 ) ( B ) reporting information after notice and confirmation of errors 623 ( a ) ( 5 ) no first day of delinquency reported, past 90 days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: OPTUM BANK, INC.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Optum Bank holds my health savings account, established through my previous employer XXXX XXXX in XXXX, XXXX. The account balance is about {$4600.00} ( account no. ending in XXXX ). In spite of numerous protracted, redundant requests to have access to my account, via their online platform, the Bank will not provide it. The Bank uses an outsourced customer service provider who is the only means of contact for XXXX matters, who only offer to send a debit card, mail an account statement, or email an account statement ( each time after I go through a long identity verification process ). However, the debit card and account statements are not sent, and the emailed account statement is actually only a link to the online access that I do not have. Online access requires entry of the full account statement. When I ask about the mailed card/statement, I have been told variously that the request was entered but did not process ; the request is not showing up ; or the request was made and it is not clear why the card/statement did not show up ( after least 10 business days- in any event, over the past 12 weeks, nothing has been sent per my request ). Optum Bank has sent two required mailings to me so it is not an address issue, and, customer service has confirmed the address on file multiple times. I sent a written complaint to the Bank at the only available address ( see attached ). 
Today XX/XX/XXXX I called the Banks customer service again, in an express attempt to escalate, and after being verified for 10 minutes, was put on hold to wait for a supervisor to speak to me as I requested. After 15 additional minutes on hold, I was told she was unavailable as she was busy with other things to do today, but would call me back in 24 to 48 hours. 
I reiterated that my request was to have access to my account, which requires the full account number that I do not have. I asked for an account statement to mailed to me by trackable express service or to be emailed to me but the representative would not do that and instead said I had to speak to the supervisor. 
Bottom line, I am in an infinite loop with Optum Bank, with no access to my XXXX, while Optum Bank wrongfully denies my account access, and effectively, to my funds- and charges me a {$3.00} monthly fee. As there is apparently no way to resolve this with the Bank, I am asking the CFPB to please intercede on my behalf to cause the Bank to give me access to my XXXX and my funds. Thank you. XXXX XXXX, XXXX XXXX XXXX XXXX, NE, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$1400.00}

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 2023-11-30
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
When I had stay In XXXX XXXX they had bust all my windows out my apartment, they kick my door in with guns. I had call the police I made a police report about what had went on. I had call the offices let them know what had went on they told me they could help it was up to me what ever happened it not on them all. Now I don't stay in XXXX I move out town trying to get my places back for me and my kids we been homeless for a year behind. They had stolen my identity with my purse.

Company response to consumer: In progress
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Reporting several accounts, addresses, and hard inquires that are not mine.

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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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 XXXXXXXX XXXX XXXX XXXXAccount name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 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 2023-07-21
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:
I went to check my credit card balance on my XXXX XXXX card and {$600.00} dollars of my credit limit was gone. I called them immediately and they said it was because of my Fico score. I don't know if they pulled my credit score but they are one of my creditors. This was on Friday the XXXX of XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: FL
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:
Recently disputed this ( XXXX XXXX XXXX XXXX   ) which the company in itself if is violation because it is NOT licensed to collect debt in the state of Florida, also I have NEVER done business with this company, I have no KNOWLEDGE of the account or the amounts, account number consistently reporting to my credit report, it seems this company has stolen my information or has me confused with someone else! I have disputed this matter and it keeps coming back as accurate, but never any proof that I signed anything with this company proving I have debt with them or how it was verified, a bill isnt proof of accuracy nor stating the account as verified and updated shows proofI have reached out to the company and they have not provided proof of signature. MAXIMUM Accuracy has to be reported on a consumers credit report at all times and disputing violations!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2020 I went to XXXX XXXX XXXX which is located in XXXX  XXXX, Indiana and use the atm to withdraw {$200.00} out. I must have not taken my money out fast enough and the atm retracted the money back inside. I got lost prevention to check on the atm which they all insisted i didnt receive my cash and to consult with my bank and the charge would in fact be reimbursed to my account. I then proceeded to use another atm while they watched this time as i was able to finally withdraw {$200.00}. Each time i used the atm my account was deducted from my balance. American Express Serve is my bank. On XX/XX/2020 I disputed the transaction and was denied my claim.I was charged a total of {$400.00} and only received {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Navient Solutions, LLC.
State: DE
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I am a cosigner on my nephews personal student loan account with Navient Bank. The original loan amount was {$3500.00}. I've been paying the loan on my nephew 's behalf and noticed Navient was charging me interest on top of interest. They were charging me interest on {$6000.00} ( principle and accumulated interest ) opposed to the original {$3500.00} principle amount. I contacted Navient and complained and was told there was nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions 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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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
Consumer complaint received 2023-07-21
Company: EQUIFAX, 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:
Previous disputes with CFPB against Equifax where I supplied ALL the documentations they requested regarding an inquiry that was fraud on my credit file. Equifax response According to CFPB complaint # XXXX and complaint # XXXX NON REPORTING DISPUTES Inquiry : XXXX XXXX XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Inquiry : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE BUT THE XXXX XXXX XXXX XXXX XXXX IS IN FACT STILL REPORTING. I AM GOING TO SUE EQUIFAX. Also the initial investigations TOOK WELL OVER 30 DAYS TO RESOLVE. They'll be hearing from me in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified consultants collection agency recently reported a previously deleted account to all three credit bureaus for XXXX. 

The account was previously deleted on XX/XX/2019. The reporting collection agency was called, XXXX XXXX XXXX. Apparently XXXX sold the account to diversified consultants after it was deleted through XXXX XXXX XXXX. This fraudulent report has caused my FICO score to drop 54 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation