BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-29
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: Information belongs to someone else

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 Account NumberXXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX  XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXXXXXX Account Number : XXXX has violated my rights. Or a 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 non-monetary relief
Consumer complaint received 2023-08-20
Company: Nelnet, Inc.
State: NC
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:
Between the Months of XX/XX/XXXX- XX/XX/XXXX I have tried multiple times to get Dep of Ed/Nelnet to remove student loans from my account. The student loans are now CURRENT and OPEN

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
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. THE BUREAUS and 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 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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I invite you to review the attached documents.

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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have several fraudulent hard inquiries on my credit report that I need deleted. Such as XXXXXXXX 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 2023-12-19
Company: ALLY FINANCIAL INC.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received XXXX phone calls in XXXX hours from this company. This is harassment, they even called me XXXX within XXXX minutes.

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 2021-01-26
Company: EQUIFAX, INC.
State: NV
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:
Equifax XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/2021 To Whom It May Concern, Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. The definition of a credit card Pursuant to Title 15 USC 1602i means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit meaning my Social Security Card was used to originate every consumer credit transaction in my File making me the original creditor Pursuant to Title 15 USC 1602g. I demand Pursuant to 15 USC 1681a ( 2 ) ( B ) that the following transaction be removed from my credit report immediately as you are violating my rights as a federally protected consumer under Title 15 Chapter 41. 



1. XXXX XXXX XXXX Account Number : XXXX 2. XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX 4. XXXX  - XXXX XXXX  Account Number : XXXX Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no idea why these are reporting on my credit file please remove inaccurate information or face fines Transunion is already liable to pay over XXXX XXXX dollars because of fraud and inaccurate 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 non-monetary relief
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: MD
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 DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. 

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-04-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : 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 2020-12-11
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/XXXX and XXXX, Navy federal credit union charged two insufficient funds fee of {$29.00} each. when I review my account the funds were available, also my paycheck was pending to be deposited. Doing this pandemic Im the only one in my household that still has a job and it is very difficult to stay up-to-date with my accounts and pay my bills. Every dollar counts during this pandemic and the Credit union is not willing to help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am writing to you because I have been discriminated against and my rights have not been respected by Chase Bank. 
I have been a customer of them for many years with my personal accounts and credit cards. 
On credit cards I have always been an excellent payer. 
On Friday, XX/XX/XXXX, I realized that my two credit cards had been closed, and I could no longer use my available credit. 
I checked my credit report through XXXX XXXX and I saw that a business card appears overdue for more than 60 days. 
This card was from a business where I was a partner and because of the pandemic I couldn't go any more and my former partner said he would be responsible since they were business expenses. 
Unfortunately, on XX/XX/XXXX, my former partner had to close the company ( used car dealer ) and he did not inform me that he had never paid for it. 
Chase Bank never contacted me to offer help and I reported this business card on my credit report and also closed my other personal cards that were up to date. I have not even received communications by Mail. 
In the credit report I could see that there was an Inquiry on XX/XX/XXXX by XXXX. I do not know this Inquiry, I request that the recording tapes be reviewed since I did not make any request for an increase in the credit limit. 
We are experiencing an unprecedented pandemic situation and they did not offer me help. Instead they took measures that have generated even more anguish and economic precariousness since the credit that I had available was what I had to face medical and food emergencies for my family ( We are a family made up of my husband and I ( XXXX XXXX Men ) and XXXX XXXX daughters. 
Last year my husband and I were unemployed, which has been a great financial storm in our home. In addition, we suffered from XXXX XXXX. I took at least 6 months to regain my health. 
This year XXXX I had to face the closure of my company, something that caused a great XXXX not only in me but also in my family. 
During the month of XX/XX/XXXX I got the XXXX vaccine and 30 days later I still don't feel completely well. I had side effects. 
The government has helped the banks with money and the banks do not pass the benefits on to the citizens. 
The government has made great sacrifices and the banks continue to charge interest rates that are usury. In addition to continuing to harass clients to collect unpayable debts that clearly announce in the account statements that if the minimum payment is paid, you will be paying for 35 years. 
I don't have enough life to pay for this. 
It is an outburst and it is USURE. 
I request my rights be respected and stop discrimination due to my XXXX origin and XXXX condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Kindly examine the attached documents. I urge the bureau to start an investigation into these accounts, as they erroneously label me as late, which is not the case.

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 2023-12-23
Company: U.S. BANCORP
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I called on XX/XX/XXXX  at approx. XXXX XXXX  on my XXXX XXXX credit card backed by the ELAN bank. My statement due date was XXXX XXXX XXXX  and my balance was {$970.00}. I paid on XX/XX/XXXXXXXX  {$630.00} and also an automatic payment of {$65.00}. So on XX/XX/XXXXXXXX  my balance was {$270.00} which I understand the APR interest of 28.24 % would be charged. By my calculations would be {$6.00}. 
They were charging me {$21.00}. When I called they explained that no matter my balance left over, they would charge interest over the total statement balance. I asked for a supervisor ( XXXX XXXX and she stated the same thing. This went on for about a half hour explain to them that interest should only be charged on what was not paid off. She reviewed my records and reversed my charges after I stated I would file a claim with the CFPB. I will be paying this card off and not using it in the future. But I infer that this is how they charge other customers.

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 2023-08-21
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX {$410.00} Date Opened XXXX XXXX XXXX Date Reported XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} paid Last Payment Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Status Date XXXX XXXX XXXX  After reading Fair Credit Reporting Act 15 USC 1681 section 602 where it says, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax is a consumer reporting agency and Im the consumer. I know i have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which says that " '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' As I inform that the financial institution and the Consumer reporting agency like Equifax do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, Furnisher of information to credit agency whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) says " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The Furnisher of information to the credit agency Never informed me of my right to exercise my nondisclosure option. According to 15 USC 1681C ( a ) ( 5 ) says '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item Equifax is reporting again without my permission and that is against the law. According to 15 U.S. Code 1681s2 ( A ) ( 1 ) it says " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax are not maintaining reasonable procedures. And9 12 CFR 1016.7 says " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/20, I submitted a complaint to the identity theft.gov/consumer regarding the inaccurate information on my credit report. This has been the result of identity theft and has caused XXXX XXXX and turmoil for my family and myself. I would like this to be removed within 7 days from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: NC
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'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 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 non-monetary relief