BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-03
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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$620.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-09-08
Company: T.S. Holdings
State: IL
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:
The company " IQ DATA INT'L INC '' as shown on my credit report this debt/ collection is not mine I have already disputed this and was not looking into by XXXX this collection appeared out of no where and has since increased it balance within the last 30 days from XXXX to now XXXX this is predatory and dispute was resolved in 1 days not even taking the time to investigate why and who they are abusing my credit report and no one has started to investigate this matter beyond 1 day I have attached 3 documents 3 different amounts days apart from each other.

Section 623 ( a ) ( 1 ) ( B ) .If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: JPMORGAN CHASE & CO.
State: IN
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:
My idenity was compromised while I was overseer serving in the U.S. Military between XXXX - XXXX. During this time Chase Auto and Chase Card but a unauthorized hard inquiry on my credit report. I have included the dates below. I have never authorized Chase Card or Chase Auto to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

1. Chase Card XX/XX/XXXX 2. Chase Auto XX/XX/XXXX 3. Chase Auto XX/XX/XXXX 4. Chase Card XX/XX/XXXX 5. Chase Card XX/XX/XXXX 6. Chase Card XX/XX/XXXX 7. Chase Card XX/XX/XXXX 8. Chase Card XX/XX/XXXX 9. Chase Card XX/XX/XXXX 10. Chase Auto XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: MD
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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2023-05-19
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
I had an account with Wells Fargo and believe that my car was illegally repossessed because of payments made were not applied to the loan. I spoke with a representative several times and were told the payments were applied. My car was illegally repossessed. I called Wells Fargo to ask about being part of the lawsuit and was told that Wells Fargo was still processing, and reviewing loans and that no information could be given.

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 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX inquiry dates XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX inquiry dates XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX XXXX inquiry dates XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX Inquiry dates XX/XX/XXXX XXXX 

15 USC 1681 section 602 A. States i have a right to privacy 15 USC 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-02-20
Company: Experian Information Solutions Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ask XXXX XXXX for a settlement however they couldn't come up with a solution for me. I only received SSA and that very limited income.

Also, I would like to know when it was charge off, age of the account on company letter head.

If its collectible would like to know what settlement offers available.

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 2021-10-06
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/2021 Contact - Spoke with Amex Bluebird XXXX and Supervisor " Mr. XXXX '' ( worst supervisor role playing customer service XXXX ever! ). Bluebird Account closed and I have no way for paying for XXXX  XXXX  prescription. They hold all the money I have to pay to basic living expense. 
Amex Bluebird - XXXX and Supervisor " Mr. XXXX '' ( worst supervisor role playing customer service XXXX ever! ) stated they will just have to request a check to be sent -That 's another 7-10days with out money for basic living I stated no you should unlock my card and I will withdraw all my funds IMMEDIATELY! 
The dispute of {$85.00} if FRAUD - NO SERVICE was Render, it part of state Attorney General law sue of XXXX XXXX  XXXX  FRAUD SCAM. SAME SCAM in Nevada and I reported to Nevada Attorney General  XXXX. Attorney General XXXX XXXX announced his office filed a Consumer Fraud Lawsuit against XXXX XXXX XXXX for allegedly making false promises to consumers who purchased a home warranty policy. The lawsuit alleges XXXX XXXX XXXX collected millions from Arizona consumers, but used contract exclusions, payment caps, and bad-faith refusals to avoid paying for repairs.Then the vendor charges {$85.00} prior to denial by XXXX leaving the homeowner with NO SERVICE RENDER. SCAM. SCAM. SAME SCAM IN NEVADA with XXXX XXXX  Plumbing! /the {$85.00} is FRAUD- NO SERVICE RENDER-ADVISE XXXX XXXX XXXX  {$85.00} IS FRAUD - NO SERVICE RENDER!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-24
Company: The Law Offices of Mitchell D. Bluhm & Associates
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: Account information incorrect

Complaint:
I have asked MBA Law for details of this debt and they have never sent it to me. I have been fully insured and dont recall any invoices. If they are right, I will pay but need them to remove it from my report, if they are not able to prove it, then they need to remove it immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24
Company: Persolve, LLC - Legal - Series 2
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PERSOLVE would verify the debt. So I took it upon myself to ask PERSOLVE for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
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: Old information reappears or never goes away

Complaint:
1 ) .XXXX XXXX XXXX Account XXXX Balance : {$1900.00} Most be deleted 2 ) .XXXX XXXX XXXX  XXXX Account XXXX Balance : {$9100.00} Most be deleted TransUnion is reporting these companies listed above on my credit report for almost 10 years now. I do not know these companies nor have I ever had any businesses with these companies. These companies do not have any contract with my signature or proof that they have any account on file with my name on it. TransUnion most Delete these accounts off my credit report because these accounts have been on my credit report for over 10 years. By law, credit bureaus are only allowed to list negative items for a certain amount of time. These accounts most be DELETED 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 2023-03-03
Company: EQUIFAX, INC.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In around XX/XX/XXXX, I became aware that my identity was stolen in XXXX and there were several fraudulent credit cards opened in my name, including one at Citibank that eventually accumulated a balance of {$13000.00}. When I contacted Citibank about this account in XXXX after obtaining my credit report, I was assured that I would not be responsible for the account. It was removed from my credit reports in XXXX. However, in XX/XX/XXXX, I was informed by mail that the debt was sold to XXXX XXXX XXXX, XXXX. After notifying them by certified mail that the debt was the result of identity theft, the account was promptly re-sold to another debt collector, XXXX XXXX I, XXXX. I again notified the new company by certified mail that the debt was inaccurate, and they responded with a letter stating " we deny any inaccuracy in the information relating to the debt. '' Attached was a statement from XX/XX/XXXX with my name on it, but which I never received since the account does not actually belong to me. After calling Citi customer service 4 times between Friday XX/XX/XXXX and Saturday XX/XX/XXXX, I was told all four times that there was nothing that could be done on their end since they no longer had access to the account, and the representatives either transferred me to the debt collector 's number or gave me that number as " the team '' that I needed to call to get this matter resolved.

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 2019-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
HELLO APOLOGIZE FOR DISTURBING THEM BUT I AM ALWAYS RECEIVING INDAGATIONS IN MY CREDIT REPORT SOMETHING ELSE CONTINUES USING MY PERSONAL IMAGE PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT THANK YOU..PUT A FRAUD ALERT PLEASE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-25
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Currently I am being harassed through phone calls, emails, written mails, etc by Navient for repayment of federal student loan. As directed I have been making payments directly to US Dept of Education in XXXX GA for the past few years and I am current. I am pregnant and this harassment is a huge inconvenience and very unhealthy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: NV
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:
To whom it may concern, Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or a similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is in 15 USC 1602 ( 2 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit ''. Notice Congress said any card. The credit card is my social security card. They should all be removed from my report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you please remove these from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

I declare that this is a true and factual statement pursuant 28 USC1746.

Sworn : XXXX XXXX Signed : XXXX XXXX SS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : ACCOUNT # XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXXXXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There is inaccurate data on my credit report and when I filed a dispute, they sent me a confirmation number saying the investigation was complete but I was not able to view the results or my credit report. When i contacted support, they said they are unable to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The reason I am writing to you is to inform you of this company failure to remove fraudulent accounts from my report even after being informed of them. I provided this company detailed letter indicating what accounts were fraudulent, I even attached my FTC report indicating that am a victim of identity fraud. 
But until now, this company is still reporting these fraudulent accounts. Yet another time, Below is the fraudulent accounts that I need to be removed from : XXXX XXXX # XXXX Status Updated XX/XX/XXXX XXXX XXXX # XXXX Status Updated XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX I am attaching the FTC report I sent to this company as proof that I am a victim of identity theft.

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 2021-06-08
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In forbearance due to COVID from XX/XX/XXXX. I was told that I would not have to make a payment until XX/XX/XXXX. Due to this being my first time going through the process, I relied on the support of my mortgage company during this very scary and difficult time. I was asked to pay all skipped payments when forbearance ended and I told them I wouldnt be able to do that. They sent me a packet for a partial claim. I called several times to ask questions about the package. I mailed it back by the due date. 

XXXX I received a call that because I havent paid any of my payments since the forbearance ended in XX/XX/XXXX and they were reporting me to the credit bureau. I told them I was told XX/XX/XXXX would be my first payment. I asked about my options and I was told I didnt have any since the partial claim was still being processed. I was told I could do an extension of forbearance after it was processed and my account brought current. I panicked and made payments to bring my account current from my emergency savings account. I was told that the forbearance ended XX/XX/XXXX. 

XXXX in the process of refinancing mortgage for an affordable rate. Loancare has provided new mortgage company XX/XX/XXXX-XX/XX/XXXX. 

XXXX called Loancare to see why they are giving the incorrect date and was told by XXXX that the person I spoke to on the phone in XXXX decided to extend my forbearance after the partial claim was processed. I did not authorize this. I have been on hold trying to resolved this for 4 hours.

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 2023-09-07
Company: Nelnet, Inc.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am unable to reach anyone at NelNet by phone. The website frequently crashes. I applied for the XXXX plan XX/XX/2023. I have not been put on the plan yet. I have received a letter saying I have a balance due XX/XX/2023. However, I login and the balance says " XXXX '' owed until XX/XX/2023. I emailed XX/XX/2023 to followup on these questions, have not heard back. 

Everytime I call, it says the wait time is too long and to call back. If I elect to wait, I wait XXXX hours, and then the automated service says the call center is closed ( even when their listed business hours say they should still be open ). 

My concern is that I don't know how much I am supposed to pay, or when it's actually due, and interest is accruing this whole time. 

It is not transparent, there's no one to go to for help.

Company response to consumer: Closed with explanation