BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-02
Company: FISERV INC.
State: MA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Money network will not respond i have multiple transactions i need to dispute and i cant get in touch with anyone all i get is a busy tone. I will list the transactions that are unauthorized. I never shared my card info nor my pin. I am not sure who used my info but i really need my money back. Please help me.there is also a few pending transactions from the merchant XXXX XXXX that i would include with the dispute because all transactions from the merchant are unauuhorized Card # 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 XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: ALLY FINANCIAL INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
The unverified item listed below remains on my XXXX report in violation of Federal Law. You are required under the XXXX to have a copy or the original source documentation on ile to very that this information is mine and is correct. in the results or your tirs investigation, you stated in writing that you " veritied '' that these items are being " reported correctly '' My rights under FCRA 611 ( a ) ( 7 ) Section 609 ( a ) ( 1 ) ( A ) Section 611 ( a ) ( 1 ) ( A ) I demand to know who verified these accounts, and the method of verification. Please also be advised that a verbal confirmation from Ally bank does not suffice as proof of validation. 
The law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply.

this 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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act, along with the Privacy Act, the list of accounts and inquiries below have violated my federally protected consumer rights to privacy, confidentiality, and accuracy of information under 15 U.S.C. 1681b, 15 U.S.C. 1681, and 15 U.S.C. 1681s-2. 

Account Names & Numbers : 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  I never expressed a written or verbal consensus authorizing TransUnion Credit Reporting Agency to publicly report my personal and financial information per 15 U.S.C. 1681b nor did I receive a request to confirm that the data shown on my credit report is accurate per 15 U.S.C. 1681 and 15 U.S.C. 1681s-2. This is an infringement upon my identity, privacy, protection, and rights.

The Privacy Act of 1974 provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. 



15 U.S.C. 1681b Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C. 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C. 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies.

( a ) Duty of furnishers of i
nformation to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 non-monetary relief
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The bankruptcy which is being reported to my credit report is inaccurate. The case which youre reporting as valid & accurate is actually incorrect. I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is one being reported. 

Please see this account is removed from my file at once. 

Bankruptcy XXXX XXXX  XXXX FRAUD, PLEASE DELETE!!!!! 

If you continue to report this information without truly verifying the information I will be seeking a legal remedy. Ive already discussed this matter with my attorney & he will draw up the federal case within 30 days of this letter if its not removed. 

Please see this matter is removed at once.

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 2022-02-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I bought an item that required I wire the money to the other which is XXXX XXXX for XXXX on XX/XX/2001. To my surprise they sent me an email stating they transfer the same amount of money to the same bank on XXXX XXXX. Since then I am fighting them to correct that mistake and they did nothing to remedy that issue. I even spoke to a case manager on that same issue whose name is XXXX and the case number is XXXX. For a month I am unable to pay my bill because of their mistake. One of their representative told they can try to recuperate the money but I will get less of it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-16
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hi my name is XXXX XXXX and a few months ago CFPB and the credit reporting agencies helped me when XXXX the phone company tried to collect a debit. that was fraud it was used in my name from the time I was Under age a kid. for over XXXX dollars. I sent my ID to prove I just turned XXXX so when I was doing my financial aid for school and looking for loans this is how I found out I had a fraud on my name from XXXX CFPB and XXXX helped me and it was removed and I was found to be the victim. XXXX  had opened a frud account for someone when I was under age like XXXX or XXXX. I was cleared. Well Enhanced Recovery put this same fraud account on my credit report. XXXX had deleted it and found me not guilty of this Identity theft. My school counselor and I called XXXX  and they informed us they did no Authorize for Enhanced recovery to put this debt on my credit report and the supervisor stated Enhanced recover purchased all fraud or identity debts and now trying to ruin people and there credit. I was shocked! I don't feel this is legal I just turned XXXX and even XXXX said it was fraud and I'm was well under age. that they also did not have any ID or any contracts signed on file. and that it should be removed again for the 2nd time look at my ID I just turned XXXX in XXXX XXXX said the fraud happened for years before I was XXXX that's why they deleted it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Comenity Bank/Lane Bryant has violated all of my federally protected consumer credit rights. They closed my credit card account fraudulently, and without warning, or explanation. They fraudulently pulled my credit reports without my consent. I have been denied credit cards, and loans, due to them closing my account, and fraudulently putting inaccurate credit information on my credit reports. Pursuant to 15 USC 1692d, Comenity Bank/Lane Bryant has tarnished and abused my reputation with their fraudulent consumer reporting tactics. 

On XX/XX/2021 I sent them my Invoice for violations, Cease and Desist, Affidavit of Truth, and Exhibits via certified mail. They are attached in this complaint. 

I am currently waiting for their response/resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A 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 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. 

Also, they aren't even in compliance with Metro 2 credit reporting. 

XXXX XXXX Collection {$0.00} XXXX XXXX XXXX Collection {$0.00} XXXX XXXX Collection {$0.00} XXXX XXXX Collection {$0.00} XXXX XXXX XXXX Charge-off {$0.00} XXXX XXXX Foreclosures {$0.00} Please see the attachment as I have analyzed everything on my credit report!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: BANK OF HAWAII CORPORATION
State: HI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
To whom it may concern, UNFAIR, ABUSIVE AND DECEPTIVE to say the least. 

As a single father of 5 children, I was impacted drastically with XXXX. I lost my job and also my home. This called me to fall behind on all my obligations. Unfortunately, on XX/XX/XXXX My auto loan was assigned for repossession with Bank of Hawaii. 

I found the strength to not only find a 3rd job to supplement income and get back on my feet. I would not give up. 

On XX/XX/XXXX I was able to cure the amount quoted to me on XX/XX/XXXX that would cure the delinquent amount, late fees and repossession fees. As soon as I was able to make payment to Bank of Hawaii, I contacted to collection department and spoke with the supervisor by the name of XXXX, he assured me that everything was taken care of. 

On XX/XX/XXXX, My truck was repossessed. I called Bank of Hawaii, and they stated it was repossessed in error. Whomever was supposed to cancel the order failed to do so. They said I needed to go down to the tow yard to pick up my vehicle with no cost and they would also assist me with reimbursing the repo fee along with giving me one month payment free due to this error that could have been prevented. I explained to them I missed a day 's work and also my children missed their doctors ' appointments. They promised to make things right and get back to me on XX/XX/XXXX at XXXX. 

I received a call on XX/XX/XXXX from XXXX ( Collections Supervisor/Manager from XXXX ) and was told as a slap in the face- They will not help me other than giving me back {$300.00} worth of fees because the reason he didn't need to cancel the repossession was because there was a {$26.00} fee that I did not cure. I asked why wasn't this told to me when they quoted me a payoff as of XX/XX/XXXX. 

How can they go from explaining to me it was my error to telling me " TO BAD ''. From admitting error to back pedaling to save themselves from litigation fees. 

This is unfair to say the least. I am being bullied by this cooperation. Who stands up for us. I am a single father of 5 trying to make it in this life even with the post-covid struggles. How can they be called " Bank of Hawaii '' when their actions do otherwise. 

CFPB stands up for the consumer and ensure/enforces creditors to do right by the consumers. 

XXXX at Bank of Hawaii should take accountability for his teams ' actions and also be held accountable for a despicable mistake. 

Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-11
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In XX/XX/2022, I received a notice about my loans coming out of the program that had a locked interest rate of 4 % which lowered my monthly payment because originally I was not able to afford the monthly payment without being in that program. Proactively, I called Sallie Mae in XXXX to discuss my repayment options as this program is coming to an end. I called them before my due date of XX/XX/XXXX. And they told me that I couldnt, talk to anybody yet because as of that point my loans were still in a program and so any sort of eligibility for other programs would not show. That customer service representative advised me to call after my XX/XX/XXXX payment has posted saying XX/XX/XXXX. Sometime in early XXXX, I called and spoke with someone about my repayment options. They said that there was no options available for me because I had not applied with an 18 months of the loan disbursement date and Ive use my forbearances. I was unaware about the forbearance as I have used because I was under the impression that I was going into special programs while I was in school and I wasnt able to repay because I had just finished law school and was taking the bar and had no income and apparently, during that portion of my life, they were using a forbearance, because there wasnt any other program available to me. At that point that gentleman gave me a phone number to call for loan servicing options. On XX/XX/XXXX I called that phone number and tried to speak to somebody about loan repayment options and they told me they would not talk to me until my loan was in collections. That person advised me I can not call until XX/XX/XXXX. Because that is when the 5 day grace period ends, sending me into collections. Every time I have called Ive been given a different date and XXXX just trying to figure out a way to be able to pay my loans but not at the payment because I cant afford the payment. A separate complaint is regarding the interest rates that these services are able to charge on student loans, my student loans have an interest rate of 14 % which is a little ridiculous given that it seems a bit predatory since I was XXXX XXXX XXXX signing documents that I had no idea about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
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:
XXXX XXXX XXXX is an account that has reported on my TransUnion credit report XX/XX/2020. I have absolutely no previous business with this company. I dont know who this company is. This is Fraud! I need this to be deleted and removed from my credit report immediately 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 explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: LA
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:
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. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage 's website does not have the Make a Payment option available. They also do not have a contact phone number on their site to help me talk to a representative to report the issue and make a payment by phone. There are other XXXX reviews regarding the same issue. It appears that they are making it hard to make a payment online to be able to incur late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Genesis FS Card Services, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX and XXXX opened a Genesis Financial Services account when I was purchasing furniture I had a account already with XXXX so Im not sure why they opened the second account but I disputed with credit bureaus and it was closed in XXXX but reopened by Genesis in XXXX I have disputed 3x with credit bureaus but Genesis XXXX rains the account When I call Genesis they tell me its closed but its still o my credit report as open for {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 told XXXX, XXXX, and XXXX to reinvestigate these accounts : Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX ( dates-XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 resonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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