BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have recently been informed that there is a negative and unauthorized item placed on my credit report which is maintained by Transunion Consumer Relations alleging that i owe {$2500.00}. Section 609 of the Fair Credit Reporting Act clearly stated that it does not matter whether an account is valid or not, Credit Reporting Agencies does not have the right to report adverse item on somebody's credit account without prior authorization from the owner of the account. 

If in fact the alleged reference negative account was reported correctly, do Transunion Consumer Relations have the Legal Right to report delinquent, adverse and negative item on my credit report without my authorization. I humbly request that Transunion Consumer Relations provide me with any documentation bearing my original wet ink signature authorizing Transunion Consumer Relations to place that negative account in my credit report. In the absence of such written authorization, i humbly demand that XXXX Consumer Relation delete that negative account Immediatly

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 2022-12-21
Company: EQUIFAX, INC.
State: MD
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:
The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Experian Information Solutions Inc.
State: AL
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:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XX/XX/2020, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX shows XX/XX/2020, Experian shows XX/XX/2020 and XXXX has XX/XX/2020. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : DEPTEDXXXX Account # : XXXX Account Name : DEPTEDXXXX  Account # : XXXX Account Name : DEPTEDXXXX Account # : 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 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Central Source , LLC. Central Source , LLC is sponsored by XXXX, XXXX and TransUnion. Is false advertising, improper sharing of my credit report, improper use of URL When I tried to reach any of the 3 credit reporting agencies I couldn't speak to a person but was given the url XXXX Not 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 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, XXXX XXXX did not consent to, authorize nor benefit from any of the following inquiries and accounts. Block and remove them. There was no consent, nor did anyone give permissible purpose for the accounts and inquiries listed below pursuant to 15 USC 1681b ( a ) ( 2 ). Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act. 

INQUIRIES XXXX. XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION 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 DEPT OF EDXXXX 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 2023-10-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
In XXXX president trump put all student loan payments on hold until XX/XX/2020. I havenl 3 loan companies, my federal, XXXX & naviant, the first 2 have deferred the payments & have done as the president ordered. Naviant calls me multiple times a day & emails me also. I have called & emailed them with questions why they're not following the presidents order with no relief or help. The lady on the phone call hung up on me, the emails the lady never answered or addressed the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Submitted Dispute on credit report, incorrect reporting on accounts ( ie, collection item, which evidence from Insurance Company, was provided showing Im not liable for ) and personal information and outdated items on XX/XX/XXXX via Transunion Dispute webpage, on XX/XX/XXXX via fax and XX/XX/XXXX via Transunion Dispute webpage. No confirmation and no evidence has been provided that items have been removed, inquiries have not evidence that it was me requesting the cred and most recently, after a credit freeze was requested after the theft of my wallet on XXXX/XXXX/XXXX new inquiries have appear, which I have not requested.

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 2020-10-21
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My debit card was stolen from my workplace, the thief has all my personal information including driver 's license. XXXXbridge cre st tel number XXXX XXXX AZ was notified to cancel a pending transaction. They refused, I spoke with two people XX/XX/XXXX Monday morning, that they did not verify the payment my card was stolen that night. They refused to cancel payment or even tell me who paid for their car XXXX XXXX XXXX  on XX/XX/XXXX. I gave them the exact time the transaction was done and the amount of {$500.00} was charged. They did not help at all and they are worse than the thief. XXXX cash-Merchant. Description XXXXBRIDGECREST should be penalized for allowing its customers to use stolen cards to make payments. Please call them to demand they give you an account of the person who made payment for their car with an account ending in XXXX at 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 2023-03-12
Company: USCB Corporation
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XX/XX/XXXX {$550.00} Dispute was filed. 
XXXX XXXX XX/XX/XXXX {$1900.00} no action XXXX XXXX XX/XX/XXXX {$7400.00} Dispute was filed. 
XXXX XXXX ' XX/XX/XXXX {$150.00} Dispute was filed. 
XXXX XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXX no action. 
XXXX XXXX XXXX {$710.00} XX/XX/XXXX no action. 
XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX no action. 

In accordance with the fair credit reporting act, these companies have violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also 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 2020-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: Phoenix Health Care Management Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They are now calling my husband 's cell number and they were told verbally NEVER to contact me again. I have NEVER received notification of the debt to start with but they are calling after being told not to and are NASTY. I know of at least two occasions previously where they called me in recent weeks and I told them not to call again so that means don't contact at all to start with. And there have been previous calls, back previous to this recent rash of calls. Nothing in the mail from these people and they previously violated the demand to stop calling and said they would cease all communications on ALL accounts. At this point they owe me money for harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: FL
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:
Hello my name is XXXX XXXX I login into my credit profile & saw inquiries on my credit report that shouldn't be there. I never authorized those transactions someone has stolen my identity. Credit bureaus Including Equifax & XXXX. I need these inquiries to be removed immediately thanks. 
These are the XXXX inquiries 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 XXXXXXXX These are the Equifax inquiries XXXX XXXX XXXX XXXX XXXX : XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
i wrote to capital one where i have 3 cards in excellent standing and a XXXX credit score XXXX i just get scripts back i should be approved for savor card or get detailed explanation as to why not what info are you basing it on? It must not be correct. please tell me WHAT specifically is preventing you from giving me the card. 
i have XXXX XXXX score XXXX XXXX XXXX XXXX  please tell me why i applied for XXXX card a few weeks ago

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, 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:
Identity stolen and used without my permission. Stranger used my information to try and open a number of credit cards in my name and while most were denied I know have many hard inquiries on my credit score because of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage with Flagstar Bank was refinanced on XX/XX/19 - and paid off, in full, by the XXXX of XXXX. I was therefore entitled to receive my escrow balance ( over {$1700.00} ) paid back to me within 30 days, per RESPA guidelines. 

However, I never got an escrow refund. They stated that a refund was sent out on the XXXX of XXXX, but I never got a check. I called back week after week, and they kept telling me that they would cancel the previous check and issue to a new one - to no avail. I called today and they seem to have no idea what I'm talking about. I want the money that is owed me. And I want them to answer for the interest they're making off of it every day since!

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 2021-12-27
Company: Experian Information Solutions Inc.
State: TX
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, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late payments - XXXX XXXX - XXXX XXXX XXXX Inquiries XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX, XXXX XXXX XXXX. ) XXXX XXXX TO XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX AUTO FIN XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX AUTO FIN 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 2022-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX ID : XXXX Company was to refund me {$25.00}, but due to their error they XXXX  out my account with send me my credit balance refund.

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 2022-02-04
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX {$3300.00} XXXX XXXX {$7900.00} XXXX XXXX {$160.00} XXXX XXXX Code XXXX XXXX Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the 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 2017-12-18
Company: BOEING EMPLOYEES CREDIT UNION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/2017 XXXX XXXX withdrew $XXXX from my acct at BECU after I used my debit card to sign up for a free one month trial that  I immediately canceled. 	 	From my BECU statement:
XXXX  POS Withdrawal - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Card Ending In XXXX	$XXXX	

This is the second time they have fraudulently charged me. And they have since, charged me the same amount every month in spite of:
1) I have asked BECU to block their access to my account.
2) XXXX acknowledges that I have never purchased anything or agreed to be charged for anything by them:
"email ----
from:	XXXX XXXX 
reply-to:	XXXX XXXX 
to:	XXXX
date:	Tue, XXXX XXXX, 2017 at XXXX XXXX
subject:	RE: [CASE:XXXX] Fraud
mailed-by:	XXXX
signed-by:	XXXX
security:	 Standard encryption (XXXX) Learn more
:	Important according to our magic sauce.
XXXX XXXX 
XX/XX/XXXX

to me

Hi XXXX,

Thank you for contacting XXXX Customer Care.

We understand that you have not purchased anything from our website and still your bank account is charged for $XXXX.

We have checked your account XXXX and unable to find any charges under your account. Hence we request you to let us know if you have any other registered email address with us so that we can investigate it further and help you better.

Please mention the case # XXXX in your future correspondence with regards to this query.

Regards,

XXXX XXXX

Customer Relations XXXX XXXX XXXX 

XXXX
This overseas company illegally withdraws and refuses to stop or acknowledge my attempts to contact them and my bank, BECU, aids them in this blatant theft. BECU refuses to stop this action in spite of numerous requests.

Company response to consumer: Closed with monetary relief