BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
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: Personal information incorrect

Complaint:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted 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. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been paying loans for almost XXXX years and am trying to get a better grasp on my debt. I have reached out a number of times to Navient to try to understand a few things that don't seem to make sense or aren't shown on the website, but their explanations are vague and sound like the customer service is making up explanations or just dodging the questions because they don't actually understand. The calculations for how my payments are going to the interest and principal don't make sense - the math as they show it on my account history doesn't align ( the way it appears, a portion of my payment is disappearing each month ), and they have not had an actual explanation for it. My account shows like it has been going in an out of overpayment and huge charges are being added but only the explanation I received was " we have had some changes in our system. '' I asked for detailed information about my loans and the interest accrued and projected, how my graduated payment plan works and how the interest is affected by it, but was told they do not give that information. I had to actually explain how loans work and what I understood about my payment plan because the woman I spoke with did not understand. She wasn't even familiar with most of the common loan terms I was using in trying to get information. I asked to speak with a specialist or someone who might have more knowledge and she put me on hold temporarily, but came back and told me she was going to send me a loan document that explained everything. I received it the next day and it contained none of the information I was trying to get - it showed only my initial balance and current balance. I legitimately felt like I was being taken advantage of and that there was something unfair going on which was why they were refusing to explain the things I was asking or provide the information. Given that they are managing such an important issue, it is unacceptable that there should be so little clarity with their customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: IN
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: 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 or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XXXX 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  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX account XXXX XXXX, XXXX XXXX XXXX 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 602 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instruction.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Their investigation did not fix an error on your report

Complaint:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Account : XXXXXXXX XXXX  # XXXX XXXX5 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 of 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 2022-03-15
Company: Experian Information Solutions Inc.
State: NJ
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:
Hi my name is XXXX XXXX XXXX. I am filing this complaint completely for my self. I have not received any assistance in filing this complaint. My consumer report has violations that have caused me and my family harm. XXXX ( Account # XXXX ) is in direct violation of 15 USC 168s-2 ( a ) ( 1 ) ( E ) ( ii ) The amounts {$3300.00} ; {$3500.00} ; {$6500.00} ; {$5300.00} of this loan have competed the rehabilitation process. Delete now.

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 2021-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ID theft affidavit ( XXXX ) and Report to be filed, if necessary ( remaining unresolved fraud ), with XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX USPS mail dated XX/XX/XXXX stated : account # XXXX we have received your transfer of lease package. At this time, your request can not be processedExpired ; applicant will need to submit a new credit application to restart the TOL process Please request my provision of this original letter should XXXX persevere to obstruct its XX/XX/XXXX letter existence and repeatedly requested provision. 

On approximately XX/XX/XXXX I was made aware of XXXX lease obligation, not by XXXX ; rather, on my XXXX, XXXX and TransUnion credit reports. I email disputed XXXX, XXXX, XXXX and TransUnion. XXXX recognized XXXX fraud and immediately removed XXXX from its credit report. 

I further notified Consumer Financial Protection Bureau, complaint # XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ; without successful resolution. 

There have been 121 subsequent emails to XXXX requesting removal of its XXXX fraud ; including, cc. XXXX  and TransUnion, questioning their willing participation in XXXX fraud. These emails were to : XXXX, XXXX, ExecutiveEsc@transunion.com and XXXX. 

The attached XX/XX/XXXX XXXX letter was received from XXXX XX/XX/XXXX. Please accept its completion. 

Response to ( XXXX ) ID theft affidavit is : name, address, phone # and additional information are : 1. XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, XXXX, XXXX 2. XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, XXXX, XXXX 3. XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, XXXX, XXXX 4. XXXX XXXX, Senior Lead, XXXX XXXX XXXX, XXXX, TX XXXX, XXXX, XXXX 5. XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, XXXX, XXXX. 

Attached is XX/XX/XXXX TransUnion XXXX credit report date opened, balance, last payment made and terms duplicity. 

Additionally, attached is XX/XX/XXXX XXXX credit report page 1 names ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ), page 2 - 4, 3, XX/XX/XXXX ( balance, scheduled payment and paid ), responsibility and date opened, page 3 ( status, balance and terms ), balance history ), pages 4 and 5 balance history compelling, irrational and invented 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 explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 Account # XXXX, {$1900.00}, has violated my rights. 

15 USC 1681 SECTION 602 STATES I HAVE A 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.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD Account under an OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE

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 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus XXXX ; XXXX  to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 explanation
Consumer complaint received 2023-06-07
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was unaware of any lingering debt I had with XXXX until I acquired my credit report and it stated it was back in 2020 that the amount of {$780.00} was past due. This is a debt that should be removed from my report and removed as a collection from all major credit bureaus that are reporting this 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 explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: TX
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : 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 2023-03-13
Company: EQUIFAX, INC.
State: AL
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 Account # XXXX, {$1900.00}, has violated my rights. 

15 USC 1681 SECTION 602 STATES I HAVE A 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.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD Account under an OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX was addded to my credit report and it wasnt be I never applied for XXXX. 

XX/XX/XXXX  That was fraud and I never authorized for my credit to be used

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 2020-04-30
Company: JPMORGAN CHASE & CO.
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:
Approximately two weeks ago, the balance in my Total Checking Account temporarily fell below {$1500.00} to around {$1400.00}. Within two days, I had replenished the account such that the average daily balance was still well above the {$1500.00} limit. To my horror, despite a global pandemic and severe financial distress around the world, Chase still charged me a {$12.00} service fee. I want that fee refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-20
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I dont know why but when I got an overdraft fee there was 3 payments, and its happened multiple times before and Ive heard of it happening to other people I know. I just feel theres no reason to do 3 overdraft fees on the same day.

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 2019-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Yesterday, I opened a dispute over the phone as well as online with Trans Union regarding an incorrect entry for XXXX XXXX paid on XX/XX/2009, which is still showing as a charge off/collections on my credit report. This was added 2 days ago, and caused my credit score to drop 79 points. 

The transaction was supposedly deleted from the credit report, but the credit score was never amended. However, the credit report still shows 2 delinquencies, even though they do not appear as part of the credit report. 

I sent the appropriate documentation as an attachment to the dispute and was told that since the account is not showing in the credit report, they could not correct it! 

This was corrected immediately by XXXX, but not by Trans Union. The persons who have answered the phone will not take any action and simply continue to repeat again and again that the entry is no longer in their system. When asked to be transferred to someone who would be able to help they stated there was no one who would be able to do anything since the account is not showing in the credit report after I entered the dispute. 

The impact this has had on a financial, emotional and personal level is almost disastrous. My credit score is now an " F '' due to their negligence and lack of professionalism as well as possible unethical business practices. 

Your help in this matter is greatly appreciated as have not had any assistance or support from TransUnion regarding 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 explanation
Consumer complaint received 2020-04-30
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My transfers begin the XXXX  if each month with Marcus By Goldman Sachs accounts. They give customers 6 transfers. I logged into my account and scheduled a transfer for XX/XX/2020 and the message I got was letting me know they were blocking my account from legal transactions and were not giving the money to me as promised by contract. Attached is an image of what the screen showed each time I tried to schedule for XX/XX/2020. They blamed it on their website which is not true this is how they deny XXXX customers their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Americas Car-Mart, Inc.
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom this May Concern, This is regarding the XXXX XXXX XXXX that was initiated on XX/XX/XXXX with your corporation identified by the account number beginning with XXXX and XXXX open on XX/XX/XXXX I would like to formally request, in writing, that you CEASE & DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties including XXXX, XXXX, AND ALSO XXXX. Pursuant to 15 6801 ( a ) which clearly states 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. 

I have not given your corporation my consent to share my nonpublic personal information. If your corporation claims to have been given permission to share my nonpublic personal information, I also request that the original agreement between myself and your corporation with my signature. In which I opted in to sharing of my nonpublic personal information be furnished to me. If this agreement exist. I would also request to be shown, in that same agreement, where I was clearly and conspicuously presented with the option to opt-out of sharing of my nonpublic personal information a provision of 15 USC 6801 ( a ) which requires financial corporations to notify consumers of their information sharing practices and provide for a right to opt-out of certain sharing.

Be advised that according to 15 USC 6809 ( 4 ) ( a ), the term nonpublic personal information is defined as personally identifiable information Provided by a consumer to a financial institution Resulting from any transaction with the consumer or any service preformed for the customer or Otherwise obtained by the corporation Settle this matter or legal action will take place.

You have 10 days from todays date to remedy this alleged debt.

Please do not contact me if it does not pertain to this matter at hand. 

Best Regards, Without XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation