BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2020-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I filed a complaint with CFPB against TransUnion on XX/XX/XXXX regarding 3 unauthorized inquiries. In my complaint submitted to TransUnion all necessary documentation as advised to me by the FTC. On XX/XX/XXXX I received mail from TransUnion stating they did not have my current address and wanted me to send them proof of address. TransUnion was sent my proof of address in my original complaint with CFPB which did include my drivers license with my current mailing address including my social security card. I have resided at my current address since XX/XX/XXXX and TransUnion knows this because I sent them a dispute last year with all required documents. TransUnion is violating my rights under the FCRA, they have failed to remove inquiries and have failed to accept my Identity Theft Report despite submitting all required documentation. Once again I am submitting this complaint, and including : Identity Theft Report, Letter to Equifax, Drivers License, Social Security Card, Proof of Residence, TransUnion Credit Report, and FCRA 605b. If TransUnion fails to investigate my complaint this time I will have no choice but to file a complaint with my Attorney Generals Office.

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 2023-08-14
Company: Experian Information Solutions Inc.
State: NJ
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, THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15 US 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON AN ACCOUNT under an open end consumer credit plan as late for any purpose. UNDER 1639 No creditor may impose a late payment charge or fee in connection with a high-cost mortgage more than once with respect to a single late payment.

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 2023-01-21
Company: Experian Information Solutions Inc.
State: NY
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:
This is in response to CFPB complaint XXXX. Company not allowed to collect debt in my state. Please see 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 2023-03-08
Company: MARINER FINANCE, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XXXX, I mailed request to Mariner Finance, to send the disclosure pursuant to 6802 -see below : that was never given to me at no time from beginning too now. I want to opt out from them sharing my personal information to any 3rd parties, including consumer reporting agencies. And at this time i haven't heard from them. see the law below Per FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information b Opt out 1 In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless A such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party B the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party and C the consumer is given an explanation of how the consumer can exercise that nondisclosure Option

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have contacted Equifax numerous times for the last XXXX weeks with the inaccurate information they have been reporting on my credit profile. This inaccurate collection is a result of identity theft, police report was also submitted along with the Dispute XXXX XXXXXXXX. 

Equifax opened XXXX other Disputes XXXX XXXX XXXX XXXXXXXX. These disputes are not opened by me nor authorized by me. I was also given Esclation XXXX XXXXXXXX and was informed the authorized disputes will be closed in XXXX business days. NOTHING HAS HAPPENED. 

I spoke to several people at Equifax, some of them are XXXX XXXX, XXXX XXXX ( XXXX Incharge, Consumer Affairs ), XXXX XXXX, XXXXXXXX XXXX XXXX  ( shocking informed me that he could not locate my file ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 

Unfortunately no one was able to resolve the issue even upon repeatedly informing them about the inaccurate information being reported and evidence provided ( XXXX Report, Identity Theft Report ). 

This has been an ongoing issue Equifax not addressing the customer concerns nor completing proper investigation on the reports of fraud. 

I was a victim of an identity theft, this was explained to Equifax on several occasions, please refer to previous CFPB compliant also. 

THESE ACTS BY EQUIFAX HAS RESULTED IN ME LOOSING XXXX POINTS FROM MY EQUIFAX CREDIT SCORE. I WAS IN MIDDLE OF XXXX XXXX MY XXXX XXXX APPLICATION HAS BEEN DECLINED AND CAUSED SEVERE FINANCIAL BURDEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Old debt is sold or reassigned to another agency at the end of the seven year statute of limitations period only to reappear on all of my credit  reports despite having disputed. There is no contract or acknowledgement of this supposed debt as it is not valid. It's cost me my job and now potentially future employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Continental Services Group, Inc. d/b/a ConServe
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have sent numerous requests for account transactions because the home was sold and the account was not closed out for extended time incurring interest in error. Have sent Disputes to the USDA servicing center, US Dept of Treasury, and 2 different collection agencies with no response or resolve. Additional administrative fees were then added with no communication. Federal tax refunds have been offset for 3 years and no balance changes are reflected on collections or my credit report. I have sent a dispute and documentation 3 times this year to the collection agency and the fiscal treasury office and have not received any correspondence other than the auto receipt email. I have proposed a payoff in each dispute. My credit continues to suffer because I can't get anyone to listen to my concern, my calculations, or payoff offer. I have contacted attorneys, state politicians, consumer credit counseling, and the creditor and the only response from the third parties is that I have no option or support when it comes to communicating with the federal government. I just have to sit back and allow them to do what they are going to do because my voice doesn't matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: EQUIFAX, INC.
State: AR
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 the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, 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 have disputed the fact that I do not owe XXXX XXXX XXXX, I have also certified mailed XXXX XXXX XXXX asking them to validate/ show evidence bearing my signature to prove to me that I in fact owe their company and if they can not provide this then remove this off my credit report as it is hurting my credit. I have not received any information that I have asked for. 

I have dispute the {$86.00} with Equifax and yet I have not received any proof as it still remains on my credit report. XXXX and XXXX both have already removed the {$86.00} off of my report so why do it still remain on Equifax?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: FinCo Services Inc DBA Current
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a user on my daughter XXXX XXXX account. They closed it suddenly but they refuse to give us the full account number so I can change my direct deposit information at social security. They returned my first check that went to that supposedly closed account but refuse to return my last one that was almost XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I never signed consent to share my information 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 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Remove three direct payment to three vendors and was charge {$31.00} for each account to stop the payment which was not late

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 monetary relief
Consumer complaint received 2022-12-20
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Every time Square processes a credit payment it sends a receipt to a mobile phone not associated with me. The person who receives my receipts has contacted me to inform me of the issue. 

I have contacted Square XXXX times and each time have been told the matter is resolved. It is not. Furthermore, since I do not have a direct relationship with Square it is EXCEEDINGLY difficult to contact someone to help with this. Each time Ive succeeded in reaching someone the same outcome results : Im told the problem is fixed and yet its not. 

It seems that any data collecting payment processing entity should be deemed to have a direct customer relationship at the point where it makes an association with that customers data. And should therefore be required to maintain an accessible customer service capability that gives said customer ( me ) the ability to correct mistakes. 

It can not be acceptable that Square can continue to associate my spending data with a mobile phone that has nothing to do with me. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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 submitted a complaint last XX/XX/2023 and some fraudulent items got deleted but there are still a lot who is reporting on my credit that needs to be deleted. I am submitting a new complaint hoping that they will all deleted because there are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them 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 2020-01-11
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Loan XXXX has had a XXXX  balance since XX/XX/XXXX. 

Loan XXXX has had a XXXX balance since XX/XX/XXXX. 

Loan XXXX has had a XXXX  balance since XX/XX/XXXX. 

Loan XXXX has had a XXXX  balance since XX/XX/XXXX. 

Loan XXXX has had a XXXX  balance since XX/XX/XXXX. 

Loan XXXX has had a XXXX balance since XX/XX/XXXX. 

Loan XXXX has had a XXXX  balance since XX/XX/XXXX. 

Per the information and accounting provided on Navient 's website, all of the private student loans are paid in full and have a XXXX  balance. It is imperative to note, that Navient has told the DOJ in writing that the account information on their website has been corrected and now reflects accurate information. This is already logged with the CFPB in a previous complaint. 

The attached proof has the date, when the information was accessed, highlighted in the top left corner to show that this is current and being provided by Navient as of XX/XX/XXXX. Navient confirmed on XX/XX/XXXX that all of the information was now corrected. The website is the only way for a consumer ( me ) to review their account information, and is a reflection of the paper statements one may opt to receive. 

However, Navient is still requesting payment for loans that are paid in full. The attached is proof of Navient 's accounting that shows each private student loan has a XXXX  balance. I have highlighted where each loan shows a XXXX  balance owed. However, Navient continues to report erroneous balances and solicit payment through their billing. The most recent billing statement received from Navient was received on XX/XX/XXXX is also attached. 

After the loans had a XXXX  balance - Navient, sometimes years later - engaged in " loan sales '' and then added new balances to my account without any authorization or permission. 

All of these loans had XXXX balances that were reported for months and years per Navient 's accounting - which any reasonable person or entity would say as to be acknowledged and accepted. A company can not report a XXXX  balance owed for multiple years - and then later create a new balance for a customer without any new or additional services being rendered. 

All of the accounting information that shows XXXX  balances was created by Navient and provided by Navient - since this the accounting they have provided for years, there is no reasonable or legal explanation why it is not being acknowledged by them. 

I would like Navient to : ( 1 ) acknowledge the XXXX balances they've reported ( 2 ) declare all of the private student loans as paid in full ( 3 ) cease all further billing activity

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have asked the credit bureaus and the collection agency, XXXX XXXX, to verify this debt and they have failed to do so. Also, the collection agency continues to report a late payment to my account every month on this collection account. I have disputed it with the credit bureaus with no resolve. The collection company is telling me that I have no rights and just have to pay the debt. 

I can provide the letters from each bureau showing what I have done and what they have done. I have received no communication from XXXX funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: Pendrick Capital Partners Holding, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I had been contacted by a company called XXXX XXXX XXXX XXXX whom informed me that they bought my debt from Pendrick Capital Partners II LLC. A man calling from XXXX said this debt is for a doctor that had not been paid during my ER visit at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Emergency Room. I called my insurance company as well as the ER staff whom said I have no existing bills and all was paid. I asked XXXX XXXX XXXX XXXX. to ask the doctor involved to send me the bill. The company then sent me a bill of {$1400.00} in mail not from the doctor/clinic, but in their own name. These scammers have obtained my medical records,. ( i.e date of medical service and hospital ). I want to make sure these criminals are caught and other people 's medical records are secure at that hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I never received a 1009-C form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: IN
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 sent a letter out on XX/XX/XXXX XXXX, XXXX, and Equifax. Here is my tracking number XXXX. However its been more than 30 days and the credit Bureaus fail to send me my investigation back. This is not making any sense. According to the law 15 U.SCode1681i-procedures in case of dispute accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting Agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute the Agency Shall, free of charge, conduct a reasonable reinvest ovation to determinate weather The dispute information is accurate and Record The current status of the dispute information, or delete the items from the file in accordance with paragraph ( 5 ) before the end of 30-day period beginning on the date on which the agency received the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation