BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXX : XX/XX/XXXX SSN : XXXX RE : You Violated The United States Code Law 15 U.S. Code 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. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX XXXX : Account number : XX/XX/XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XX/XX/XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX XXXX  : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Sincerely, 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 2023-08-12
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Account is for XXXX XXXX-Account being reported incorrectly as potentially negative but its been paid and closed.Reporting should not reflect it as negative

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 2023-08-06
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I Filed a complaint with a supervisor about violations of 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. a representative of the company called my father who is an account holder with the company and disclosed information about the account without my consent. I was told the supervisor would investigate the complaint and that I would receive correspondence but I did not.

Unauthorized Sharing of Information : Violations may occur if a financial institution shares a consumer 's nonpublic personal information with nonaffiliated third parties without obtaining the necessary consumer consent or without complying with the opt-out requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and the following accounts are all fraudulent and not my accounts : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I been receiving harassing and threatening phone calls of profane and abusive language, threats of legal action, wage garnishment, jail, prison, XXXX and death from representatives from the above creditors. This is a major violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State law. The fraudulent accounts are not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Account that was closed is showing open and is also showing that I owe money and I missed payments. My credit score dropped severely in addition to my the credit bureaus are showing that I have a debt that was already paid.

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 2023-08-12
Company: Experian Information Solutions Inc.
State: MA
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 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 an account without my written instructions.

This account has reported two late payments, which is inaccurate. Ive never been late.

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 2023-10-03
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello, I have been having trouble with Mohela for more than nine months now. Starting in XX/XX/XXXXXXXX  I received numerous communications about re-certifying my IDR plan. When I contacted Mohela about the discrepancy between when they were sending me and what was recorded on the student aid website ( https : //studentaid.gov/manage-loans/repayment/prepare-payments-restart ) they attempted to force me to recertify via the phone. I was subsequently removed from my repayment plan in XX/XX/XXXX. I again contacted Mohela and told them that according to the federal student aid website all plans were supposed to be continued through the covid pause. Mohela then processed a recertification without my consent. I contacted Mohela again and told them I did not authorize that recertification and, requested they reinstate me back to my plan and payment amounts from XXXX  ( prior to covid pause ). I checked my payment information again, and my rectification date and both the date and payment amounts are still incorrect. They are blatantly telling me that they are not following the guidance from the federal student aid office, and that they are unaware of what information is provided to borrowers. The staff that answers any call ( after 3+ hours on hold ) is unable to do anything and even after promotion to a supervisor nothing is fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: MORGAN STANLEY & CO. LLC
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
After opening and deposting funds into a savings account, they have locked my account. I am unable to access funds. I am unable to provide dates since I can not access any account information. 
I have called and spoken with 2 different individuals on 2 different occassions, both saying someone would call me back to rectify the situation. No one has ever called me back. 
Also, hold times to access someone are extensive. One time I held for over an hour before giving up. 
I even tried transferring funds into another account and a few days later they pulled it back. 
I'm not sure what is going on and they won't fix and say they don't know.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Experian Information Solutions Inc.
State: MN
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:
CHARGE OFF IS INCOME THAT HAVE TO BE REPORTED TO THE IRS. 
XXXX XXXX XXXX XXXX has been marked as a CHARGE OFF On my CONSUMER REPORT. 
I want a 1099c sent to me. Any amount Over {$600.00} is TAX 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 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon checking my credit report, XXXX XXXX XXXX ( XXXX ) reported that I owe {$710.00}. This was reported to TransUnion on XX/XX/2022. XXXX XXXX also reported this to XXXX and XXXX on XX/XX/2022. 

My credit report informs me that the original creditor was : XXXX XXXX FOR XXXX XXXX XXXX. I have disputed this case with XXXX for I was unaware of this charge and I also did not give XXXX permission to relinquish nor sale any personal information to third party XXXX. Not only did this company harass me to pay this unsolicited debt, but also gave/sold my information to a party that I do not know. 

In addition, I was able to confirm that both XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX violated XXXX of the following laws : 15 U.S. Code 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state such consumer owes any debt.

15 U.S. Code 1692. ( D ) ( 2 ). A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of [ section 2 ]. The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

15 U.S. Code 1692. ( D ) ( 4 ). A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of [ section 4 ]. The advertisement for sale of any debt to coerce payment of the debt.

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 2022-08-06
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: Problem with personal statement of dispute

Complaint:
Credit inquiries were fraudulently made in my name. These inquiries are still on my report after repeatedly disputing with the reporting agencies Equifax and XXXX. The inquiries are as follows : Equifax : XX/XX/202XXXX AN XXXXXXXX XXXX XXXX XXXX # XXXX AN XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXL XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, ND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I have applied for PLSF prior to XX/XX/2022. I have the required XXXX payments and yet done loans showing XXXX payments remaining and XXXX payments remaining. I show XXXX ineligible payments that should be counted towards eligibility.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Went to apply for a credit, with one creditor and once i applied with them i had alot of unauthorized inquires. 

XXXX XXXX XXXX  Location XXXX XXXX XXXX XXXX XXXX, MI XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXXXXXX XXXX XXXX  Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, CA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX Location XXXX XXXX XXXX XXXX, IN XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX  Location XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX  XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 2019-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid my capital one credit card on time and I gave documentation to confirm that it must have been an mistake made in the crediting of my account. I would like my credit report to reflect that I have been paying my Capital One account on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXXXXXX Balance Owed : $ XXXXXXXX XXXX XXXXXXXX Balance Owed : $ XXXX XXXX  XXXX XXXX Balance Owed : $ XXXX XXXX  XXXX XXXX Balance Owed : $ XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXXXXXX Balance Owed XXXX {$590.00} XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXXXXXX Balance Owed : $ XXXXXXXX XXXX XXXXXXXX Balance Owed : $ XXXX XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: NC
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 recently tried to purchase a home on XX/XX/23. Before I had the agent run my credit report I noticed that I have a lot of unauthorized hard Inquiries on my report that are damaging my credit. According to 15 U.S.C 1681 law there should not be any damages on my credit. That is a defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: WI
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 Account number 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 2023-08-12
Company: Experian Information Solutions Inc.
State: OH
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 am trying to access my credit file for business. My Experian credit report still shows a fraud alert that I have requested to have removed. XXXX XXXX XXXX XXXX XXXX is my info. Please REMOVE/DELETE the fraud alert Notes from my file so I can access my credit.

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 2023-09-16
Company: EQUIFAX, INC.
State: NC
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:
This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX Balance : {$18000.00} XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$870.00} XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$0.00}

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