BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is XXXX XXXX and Im submitting this complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$1400.00} XXXX  XXXX  XXXX  XXXX Balance Owed : {$560.00} XXXX XXXX Balance Owed : {$940.00} XXXX XXXX Balance Owed : {$850.00} ABS XXXX Balance Owed : {$760.00} ACCT XXXX XXXX  XXXX Balance Owed : {$500.00} XXXX XXXX  XXXX XXXX Balance Owed : {$260.00} XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

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 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Services have acquired information from a company in which is a debt buyer and have not given me the right and proper form of dispute in which includes the consumer requesting UCC 9-210 I have the right to request for accounting of the original ledger and authenticated record. I also have the right to privacy of my non public personal information in accordance with 15 USC 6802, I have the right to opt out of sharing this information but have not received any information in regards to opting out, portfolio recovery is violating FDCPA, Code of Federal Regulations, Fair Credit Reporting Act. Procurement of consumer report for resale is also prohibited by the consumer not being notified. Please delete from your information in which this information is incomplete and inaccurate. I have no contract with this company with my wet ink signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XX/XX/XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$7000.00} XXXXXX/XX/XXXXXXXX Balance : {$36000.00} XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXXXX/XX/XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX CARD XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXXXX/XX/XXXX XXXX Balance : {$15000.00} XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XX/XX/XXXXXXXX Balance : {$7000.00} XXXXXX/XX/XXXX XXXX Balance : {$36000.00}

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 2023-09-21
Company: Maximus Education, LLC dba Aidvantage
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The loan for my loans was recently transferred to Aidvantage for servicing. 
I open an account at Aidvantage - number XXXX. 
As I live in XXXX I searched their website for details on how to send payments internationally. I could not find any. 
I have an account at XXXX XXXX XXXX XXXX ( XXXX  ) so I sent ( by registered delivery ) to : Aidvantage FSALS, XXXX XXXX XXXX, XXXX, OR XXXX - six checks for each loan ( I have 2 ) that were individually dated for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. There was a cover letter that explicitly stated " do not present the checks before the date on the checks ''. 
As soon as they received the cheques they presented them. The majority of the checks were honoured by XXXX so all my funds were wiped and I was left with a huge overdraft. 
I emailed Aidvantage but got a long winded response that basically said we don't answer via email so phone or come in or write. 
Tried to phone, but the number to internationally call was listed incorrectly as XXXX XXXX XXXX XXXX. In actual fact to call the USA the code is XXXX then XXXX then area code and number so correct number is XXXX. Having worked this out I tried calling go through to an automatic system which did not correctly recognise my SS number or account number. It was not possible to talk to a human being. 
Can you help please. They have wiped out my account and left me with an overdraft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: NY
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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Atlanticus Services Corporation
State: GA
Product: Credit card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
For the second time in the last 60 days or so they have reported my account 30 days late to credit bureaus!!! My payment was due XX/XX/XXXX and they have reported my account 30 days only a week after the due date... I believe this company is doing this out of spite because I was disputing other inaccuracies on the account. I will attach copy of statement proving the account was not 30 days late!!! CFPB needs to investigate the practices of this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: OLD NATIONAL BANCORP
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
Violation of the Privacy act of 1974. Old National Bank who holds the loan on my car has been distributing my social security number illegally and continues to do so after giving proof and requesting multiple times for them to stop. Due to Old National Banks negligence my information is being sold on the dark web, loans by strangers have been attempted in my name, large amounts of purchases have been made without my authorization. I have and still am currently all of the above as well as continuing endured great financial loss. I've contacted Old National multiple times, sent them proof that they are using my social security number as a reference number on multiple documents and inform them of the results of their negligence but it continues to fall on deaf ears. Old National refuses to remove my social security number or even address the situation at all, the only thing Old National has done, is report to the credit bureaus that I have missed payments knowingly that they are solely the reason I can not make a payment due to all my accounts being frozen or closed because of them distributing my social security number and it being used fraudulently. Old National is the sole reason I don't have a bank account and that my credit has suffered. My credit has went from the XXXX to XXXX just in the time that they have been distributing my social security number. Strangers are purchasing my information for pennies on the Dollar on the dark web, my medical information is being used without my permission, there has been attempts to take out loans on other vehicles and credit cards, my credit cards have been maxed out by strangers who have gained this information through Old Nationals negligence.

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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor and/or collection agency however there is nothing notated on my credit reports that these items were ever disputed. that is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2021-04-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My wife and I married in XXXX of 2020. She has a pending greencard application with approved XXXX as well as a valid SSN. When attempting to add her to my bank account, which is generally a requirement to show good faith in a legal marriage for XXXX. Chase informed us that they were refusing her legal documents from DHS/USCIS and would only accept documents that had her single name. Which is clearly impossible since her legal presence here is all based off her married name, the name shown on her SS card as well as her CA ID, marriage license and all other official documents. 

After arguing back and forth they assured me this was the only way they could do it as she is not a legal resident, when she clearly is, as she has valid legal presence in the US. They had her sign an SS document saying that the SSN we provided belonged to her single name, when we repeatedly pushed that this was incorrect and would cause problems later he said it was only for their internal use. 

3 days later I find my account frozen and a fraud flag placed on the account and that I only had a short window to rectify it before the account was frozen permanently. They explicitly stated that an account can not be opened unless all information matched the SS card, and that her legal status has no bearing on the account and that her passport can not be used. 

We returned to the bank the same day to find him changing all the documents to her married name, which is what I pushed for originally and blamed us for the problems, not even once did we receive any kind of apology. He stated over and over the XXXX department was incorrect, when they are clearly the ones who attempted to verify the information and flagged the account. 

I am nowhere near being down and have wasted several days of time on this, to find out my account is still frozen. This has delayed my tax return, returned my recurring ACH transactions for insurance and other purchases as well as upending everything relating to any banking transaction. I had to have to XXXX force an over ride just to deposit a check and get cash and the treatment I have received is unacceptable. I am now concerned I will never receive my tax refund as all account activities are blocked as well as knowingly submitting incorrect documents to the SSA even after repeated attempts to inform him the information was wrong as well as illegal to knowingly submit them as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions 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 am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this 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 non-monetary relief
Consumer complaint received 2018-11-15
Company: SHABANA MOTORS
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My vehicle just got repossessed, and I was forced to over pay on the loan. the problem that I'm having with this company is incorrect or fraudulent balance remaining, since I've bought the vehicle 3 years ago I've been keeping track of my payment, the company report to the credit bureau that I still owe about {$9000.00} which is incorrect, so I called the company with the information that I have to get them to correct the balance remaining on my lawn which in reality should be somewhere around {$3000.00}, after they disabled my vehicle I called to pay off the rest of my loan which they denied me to do, so I asked them how much do I have remaining on the loan to pay it off and they refused to tell me, so I informed them that the balance that they're reporting to the credit bureaus is incorrect and then I was hung up on. 
Another but unrelated complaint is Shabana Motors never honored my powertrain coverage, within the first 24 months I've replaced my front wheel axle shaft, fuel pump, timing belt, head gaskets, and CV joints.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Experian Information Solutions Inc.
State: FL
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:
attached is the CERTIFIED MAIL FROM USPS XXXX. Experian is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! XXXX XXXX XXXX XXXX Account:XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX Open options Account # XXXX XXXX Open options Account # XXXX XXXX XXXX XXXX XXXX Open options Account # XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXXThese accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.

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 2021-05-17
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There was a pass due XXXX cable bill from XXXX. It paid was XX/XX/XXXX to the debt collection agency XXXX XXXX for the settlement amount of {$1100.00}. As I am trying to move into an apartment this week the debt appeared again now from a collection agency EOS-USA. I have contacted XXXX about this matter and they sent me a letter stating that theyll contact all major credit reporting agencies for deletion and that I must contact EOS-USA myself. When I contact EOS-USA they can not find my account and they are rude and dismissive. I have the letter from both XXXX and my paid receipt from XXXX XXXX. I am trying to resolve this issue but XXXX wont speak to EOS-USA in order to settle this matter. To make matters worse I tried to contact XXXX XXXX and found that the company permanently closed in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: MO
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 investigate and correct from erroneous reporting in my file are listed on my credit report. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : XXXX XXXX Balance Owed : {$11000.00} XXXX  / XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Online message sent to Chase on XXXX XX/XX/2020. Promised a response in 1-2 business days. NEVER RECEIVED A RESPONSE ... XXXX

Company response to consumer: Closed with explanation