BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$7300.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$160.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$410.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/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 2019-01-17
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: Their investigation did not fix an error on your report

Complaint:
Contacted Credit Bureau with information requesting them to validate inaccurate information placed on my report. Information sent back was account was verified. I did not receive information with who verified the account information and how was it verified. I have sent in letters showing the court do not provide records to third parties. Has sent 3 letters to the credit bureaus with the same response back.

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 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
why and how is XXXX  reporting the balance on XXXX has increased when the account is charged off and closed. i asked 3 months ago for a breakdown an explanation of the fees and origin of the fees thats being added thats causing the balance to increase monthly on this charge off account from 5 bureaus still hadnt received anything and its been well over 60 days

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 2023-05-26
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 USC 1681 section 602 A, 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. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 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 explanation
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Employer : 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 2023-06-10
Company: EQUIFAX, INC.
State: CA
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 XXXX 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 for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXX  Balance : {$420.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$420.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-01
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
- XXXX XX/XX/XXXX I XXXX XXXX opened a checking and savings account with Suntrust bank ending in XXXX and XXXX. 

- XXXX XX/XX/XXXX {$100.00} transferred from XXXX XXXX XXXX XXXX checking account to Suntrust bank checking account ending in XXXX. 

- XXXX XX/XX/XXXX {$100.00} transferred from XXXX XXXX XXXX XXXX checking account to Suntrust savings account ending in XXXX. 

- XXXX XX/XX/XXXX {$5000.00} transferred from XXXX XXXX XXXX XXXX checking account to Suntrust bank checking account ending in XXXX. 

- XXXX XX/XX/XXXX {$2900.00} transferred from XXXX XXXX XXXX XXXX checking account to Suntrust bank checking account ending in XXXX. 

I made these deposits from my primary checking account I have with XXXX XXXX via online transfer to Suntrust bank checking account ( XXXX ) and savings account ( XXXX ). On XX/XX/XXXX my Suntrust bank accounts ending in XXXX and XXXX were frozen with no explanation leaving me no access to the funds in my accounts. I have called Suntrusts bank customer care call center numerous times and spoke to several staff representatives all to be told that they can not provide me with any additional information except that my account is frozen and set to be closed. I have also reached out to the branch manager of Suntrust bank XXXX XXXX MD location ( XXXX XXXX ) only to be told I will be receiving a letter in the mail pertaining to this matter and that she can not provide me with any further details. Throughout my attempt to rightfully gain access to my funds I have been cut short and hung up on multiple times by Suntrust bank call center. I still have yet to receive a letter in the mail from Suntrust bank with any details or contact information to a department that can assist me in the releasing of my funds. Now on this day XX/XX/XXXX I am out of {$8100.00} during this Covid19 pandemic when survival is most questionable and scariest. I at the moment have no income, job, or unemployment assistance due to Covid19. This unforeseen circumstance has greatly impacted my ability to function and survive. Unfortunately no one at Suntrust bank seems to be willing to help me obtain what is already mine. My Money! 

- 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 2020-07-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the Amazon Prime credit card, so that me and my spouse ( same household ) would get the advertised 5 % back on Amazon purchases. I got two credit cards, and we are prime members. It turns out Amazon only wants to apply such promotion to the card thats associated to the prime membership owner, and not household members that get the membership through invitation. Their terms and conditions contradict that. As it states there that prime members who receive the membership through invitation would also be eligible. Amazon said it is what it is and wouldnt help resolve this. 
Terms and can be found here. 
https : //www.amazon.com/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2018-12-14
Company: Navient Solutions, LLC.
State: NY
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:
This is the second complaint i have had to file against navient ... last year and again this year about income based repayments. They dont respond, push forbearance and after sending in a pay stub for income reduced payment, I received an email saying they needed more info and they were sending paperwork for me to fill out. 1 month later and after sending them an email and asking where my paperwork was i still have had no response and after working so hard to increase my credit score im endanger of it being once again messed up by navient because i cant afford {$500.00} in addition to the {$180.00} im already paying. I make {$400.00} a week. Navient still isnt trying to make things right for their customers. Nothing has changed with this company. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: EQUIFAX, INC.
State: CA
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:
There is an illegal and false collection appearing on my credit report with Equifax and Would like it deleted and the collection company investigated. 

I do not, nor have ever, had any services performed that was not cover by my XXXX which is state issued. XXXX XXXX is a mysterious account that has no phone number, tracking information, offices or addresses. I have filed a CFPB complaint against them and they have claimed they do not " own my debt ''. This collection is either a mistake or fraudulent because I am 100 % covered under the low income affordable health care act. This account is appearing on my report since XX/XX/XXXX and I have never had a letter, a phone call or any communication verifying or validating the debt. It is a scam. Please delete it immediately. They are attempting to collect money using fake collections by illegally skip tracing people. There is NO contact information and this is violating FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: TRANSWORLD SYSTEMS INC
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 belongs to someone else

Complaint:
Transworld Systems creditors has put a {$68.00} debt on my credit report including and left derogatory remarks on my XXXX XXXX credit history for a company I never heard of called XXXX XXXX and never received a bill from this source. I called Transworld Systems twice. They couldn't find anything on me through my name, ssn, address, nor phone numbers and refuse to clear that off my credit report. They told me to call XXXX XXXX for an account number and to call them back with the number. How XXXX must I be if they couldn't find me anywhere in their system. They need to be reported to XXXX. I am highly upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Kentucky Higher Education Assistance Authority
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
We have written through your organization three times about this student loan. KHEAA has had a lien on our Federal Tax return for 19 years. We feel this loan is paid in full. Through your organization, they agreed the loan was paid in full ( XX/XX/20 ) and the lien would be removed ( XX/XX/20 ). We asked them to send us a letter stating those results. They claim it was sent on XX/XX/XXXX ( XX/XX/20 ). We're now on XX/XX/XXXX. No letter has been received, and it doesn't take a month to get a letter from Kentucky to Illinois!!! 

In addition, believing their responses in good faith, we filed our tax return. Today I received a letter from the IRS stating that our tax return money went to KHEAA - DUE TO A LIEN THAT WAS SUPPOSED TO BE REMOVED!!! 

It is obvious that this organization is lying to you and us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Experian Information Solutions Inc.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debt was included in my bankruptcy. It can't be on my credit bureau

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 2020-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Opened account Bank of America. Promised promotional monies. Never delivered even though requirements were met. Filed previous complaints and never heard a word from Bank of America and yet CFPB keeps closing the complaint. Do you work for them or me? They have done nothing but lie to me.

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 2020-05-01
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Sunday my wife and I deposited our income tax refund check into the Wellls Fargo atm located in XXXX XXXX SC. It said our funds would be ready in 48 hours. Well those funds never came through. We received a call from the bank saying something went wrong with there atm and our money wasn't deposited. And they dont have our check anymore but we have the recipe the atm gave us with a copy of the check on the recipe. But they are saying we have to wait on a letter in the mail to take to the bank to figure out how to get our money back. I need to know what to do because I am fed up with the waiting on something that belongs to me to be returned in how ever long that takes.

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 2020-02-04
Company: EQUIFAX, INC.
State: IL
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:
XXXX account on my EQUIFAX report is not mine. I have contacted EQUIFAX and have not received info that this is mine but it has not been removed. I have not done business with XXXX. They did not have my correct address or phone number. 
XXXX/XXXX. Ac # XXXX date opened XX/XX/2016. Highest balance {$420.00} XXXX XXXX XXXX XXXX. XXXX, mn XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: General Motors Financial Company, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
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:
I filed a dispute with the credit agencies about inaccurate information on my credit reports! These are hindering me from getting approved for any credit and I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial letter was sent on XX/XX/2020 and the 30 day letter to comply was sent on XX/XX/2020.

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 2022-12-06
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had made calls to Regions Bank in the XXXX and XXXX time frame for issues with them charging me overdraft fees after I would check my account and it stated funds were available. I had called they told me that the other transactions hadnt posted yet and thats why I was charged an overdraft fee since they had all cleared and put my account in the negative. I thought that was strange since the available balance had shown I had sufficient funds when I would make a transaction. Overdraft fees were at the {$36.00} amount each time it would happen. I didnt think there was anything that I could do about it, so I left it alone. However, due to the current settlement, I found that I was actually the one in the right.

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 2022-12-06
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have contacted Equifax, XXXX and XXXX to request that any Security Freeze be lifted from my credit reports immediately. A month later XXXX XXXX  requested copies of my scores for a credit card account and I was advised that they are unable to pull my scores due to a security freeze. 
I need assistance as I am being given conflicting information.

Company response to consumer: Closed with explanation