BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX 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 2021-07-12
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Als
o 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: Experian Information Solutions Inc.
State: MN
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:
My XXXX XXXX XXXX  Visa Credit Card : XXXX is lost/stolen. All of the transactions listed from XX/XX/2021 to XX/XX/2021 for {$400.00} is all fraudulent charges and transactions. My card is lost/stolen with fraudulent transactions.

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 2023-02-24
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:
Requested method of verification multiple times of Bankruptcy ( never received, also sent proof that this was not verified but still reporting on credit report inaccurate and damaging my credit as well as potential jobs. 
Late payments and collections reporting inaccurately however investigation of inaccuracies refused which is time consuming and damaging, reports filed one XXXX against companies already. 
However at this time I am requesting a complete and through investigation of these accuracies with information on the verification of the damaging 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 non-monetary relief
Consumer complaint received 2019-09-05
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: Account information incorrect

Complaint:
XXXX XXXX XXXX Balance increase by {$25.00} Between XX/XX/XXXX to XX/XX/XXXX account balanced was increase from {$4200.00} to {$4200.00} I called XXXX XXXX and they said they do not know. 
XXXX doesn't know So Who knows?

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 2021-02-02
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This a formal complaint that you are reporting false and erroneous credit information which has negatively impacted my credit scores with XXXX. 

1. NAVIENT Account Number : XXXX RE : Letter to XXXX XXXX XXXX XXXX  ; I am exercising my rights ; Pursuant to FCRA Section 609 ( a ) ( 1 ) ( A ) & Fair Debt Collection Practices Act, 15 USC 1692g I have attempted on numerous occasions to work with your NAVIENT to clear this matter and my good name. 

here are the facts : 1. I am a victim of Fraud.

2. I never received any services for the debt you claim I owe. 
3. If I am remiss, you are barred by the statute of limitations to collect on this debt. ( Private student loan dated XX/XX/XXXX. ) 4. The educational institution that you allege that I received services and/or that I owe this debt to was : a. Not a qualified institution of higher learning during XXXX. 
b. Not properly accredited by the XXXX XXXX XXXX XXXX XXXX and XXXX during the time period XXXX. 
c. The institution name : XXXX XXXX XXXX XXXX participated in deceptive and/or fraudulent practieces and false advertisement by holding itself out as a reputable junior college with authority to enter its students into a contractual obligation as a legitimate institution with proper license and accreditations. 
d. The school XXXX XXXX XXXX XXXX was mandated to close its program titled : " Court Reporting '' or commonly known as " Professional Legal Stenographer '' due to lack of accreditation and return any borrowered fund back to the originator on behalf of its student borrower of record as : " PAID IN FULL '' e. Further, the XXXX XXXX XXXX XXXX XXXX breached its duty to perform its obligation to provide accredited educational training in the course of study known as " Court Reporting '' or commonly referred to as Professional Legal Stenographer. 
f. Further, if there was any aleged debt owing ; it was previously listed and discharged in a chapter XXXX bankruptcy proceeding during the period from XX/XX/XXXX - XX/XX/XXXX as XXXX XXXX XXXX. 
g. Further, if there is an aleged debt owing as reported it does not meet the criteria based upon correspondence from XXXX XXXX XXXX XXXX  as a qualified student loan eligible for debt consolidation. 
h. Further, this debt has been deleted from a previous credit report and cleared, however has been re-inserted as a current debt owed by me. 

I would like help from the CFPB to investigate this aleged student loan debt and bring a resolution : Therefore, I request that the company reporting this aleged debt. 

1. Delete this immediately from my XXXX  credit report.

2. Cease and Desist from attempting to collect this debt.

3. Remove my name from their collection list.

4. Send me notification that this debt is cleared and I am not longer allegedly responsible for the above mentioned debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX 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

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 2021-01-26
Company: TRUIST FINANCIAL CORPORATION
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I noticed inaccurate information on my credit reports and I've disputed them with the credit Bureaus. It's been over 30 days and I haven't received any investigation results.

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 2019-06-01
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter to dispute several items on my credit report, which I believe were reported in violation of various consumer protection laws, including FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA. 

The following accounts and details are reported on my credit report : XXXX XXXX XXXX XXXX - late payment account XXXX - collection account MEDICAL XXXX - collection account XXXX XXXXXXXX XXXX XXXX - charge off account XXXX XXXX XXXX XXXX - charge off account XXXX XXXX XXXX XXXX - charge off account XXXX XXXX XXXX XXXX - charge off account XXXX - collection account XXXX - collection account I am disputing these items on my credit report because I believe they were reported in violation of several consumer protection laws. The creditors have failed to provide me with the proper notices required by the law, failed to investigate my disputes, and failed to report accurate information. 

For instance, the late payment account reported by XXXX XXXX XXXX XXXX was an error on their part. I have made all payments on time, and the late payment should not have been reported. 

Additionally, the collection accounts for XXXX  XXXX and XXXX were reported without proper validation of the debt. I have requested validation of these debts, but have not received any response from the creditors. 

Furthermore, the charge off accounts reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were reported inaccurately. The debts were paid in full, but the creditors failed to update the information on my credit report. 

In conclusion, I request that these items be removed from my credit report immediately, and that the creditors comply with all relevant consumer protection laws. Please provide me with a written response regarding the investigation of these disputes. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: ERC
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 status incorrect

Complaint:
Enhanced Recovery is reporting an account from XXXX on my XXXX and XXXX Consumer reports incorrectly. I have sent them correspondence to which they have totally ignored. 
They are showing an opening date of the alleged account as XX/XX/XXXX. This is an impossibility. I have resided at my current address since XX/XX/XXXX. An address where all of the bills are in my husband 's name. 
This is a blatant attempt to re-age old debt to keep the statue of limitations alive. 
They are also reporting the date of last activity as XX/XX/XXXX, yet they claim the account was not opened until XX/XX/XXXX. This is yet another total impossibility!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: Comerica
State: CA
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:
Starting back in XXXX of last year I started noticing that there were transactions with my card that I did not do so I proceeded to check my wallet and that's when I noticed that it was an old card in my wallet and not my current one someone had changed out cards. When I tried to log into my online account again I was not able to someone had gotten into my account and changed my password and security questions. Since then it has been an ongoing thing from month to month that someone has taken funds out of my account without my approval. i have tried replacing my card several times being charged to expedite it every time to no avail. When I contacted XXXX XXXX about it to report the identity theft they said they would investigate it but always dropped the investigation on grounds that they said it was conflicting issues. They did reimburse me a few times where in return those funds were taken out of my account via IVR Transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchase a refurished XXXX XXXX on XX/XX/XXXX my Pay Pal Credit. The phone has never connected to my XXXX in my auto. Also people on the other end of the phone line can not hear me. First, I thought it was the building, I then purchase a XXXX and I have no problem. I file a dispute with XXXX XXXX back in XX/XX/XXXX. They denied the dispute. I have appealed the dispute twice. They still denied it. 
I sent a letter from XXXX XXXX sales manager, explaining to them that the phone had issues, the phone would not pair to my vehicle. I also sent the sales receipt showing that I had to purchase a new XXXX cell phone. The appeal still was denied. I am shipping the phone back to Synchrony Bank. I will not continue to pay for the cell phone. 
I car would not start at my job. I tried call an individual, they were on the other end of the phone line, yet could not hear me talking to them. This phone was left outside in the winter weather, it was days before I discovered that the phone were hidden in my flower bed. Therefore the box was wet. I will be shipping this phone back to Synchrony Bank.

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 2021-07-12
Company: Experian Information Solutions Inc.
State: IL
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:
Account # XXXX - XXXX On XX/XX/XXXX, I paid XXXX to settle the account. The account is paid in full and is closed. The charge off for XXXX has not been updated. I contacted Experian on XX/XX/XXXX, opened disputes, and sent the settlement letter from XXXX by mail on XX/XX/XXXX. I spoke with a representative on XX/XX/XXXX from Experian and they stated that they are unable to update the chargeoff as Paid. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I would like for Experian to remove the tradeline. If they are unable to, I would like for Experian to report that this account has been settled and paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a single parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the Settlement Letter from XXXX, USPS Receipt regarding the mailing of documents, XXXX XXXX XXXX and the police report from the fire that destroyed my home. Thank you for your cooperation.

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 2021-02-02
Company: Lending Club Corp
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I was an investor in Lending Club. I stopped funding my account with about two years ago. During that time I was able to transfer funds out as they were recovered. After 6 months of inactivity Lending Club then forcibly closed my account. I was told at the time when they closed the investor account that recoveries from charged off loans would be periodically sent to me via a check when the funds reached a certain level. ( They did not specify what that amount was. ) I am now receiving emails from them every few months that there is at least XXXX in my account from recoveries. I have emailed them at least 4x since the most recent email on XX/XX/2020 and received NO RESPONSE or reply since beyond an automated reply telling me that they received my email. 

I am requesting that they send me a check for {$100.00} to close this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: CA
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. 

Account name : # XXXXXXXX XXXX XXXX XXXX XXXX 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 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 2018-11-22
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I disputed my bankruptcy after receiving a letter from the courts stating that they do not share nor verify bankruptcies with third parties like credit reporting agencies as XXXX, Equifax, and XXXX. Each dispute came back verified. I called and spoke with someone asked who did they verify the bankruptcy with and each bureau said the court where it was filed. Which is untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with NAVY FEDERAL CU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NAVY FEDERAL CU with no successful resolution. XXXX is the only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX/ XX/XX/XXXX.

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