BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 {$11000.00}, {$800.00}, {$2800.00}, {$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 Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received XXXX XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

3. XXXX BANK with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 


-- INSTALLMENT LOAN 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2019-08-09
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights 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 2018-10-12
Company: Early Warning Services, LLC
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I applied for a checking account with XXXX today,XX/XX/2018. I was denied stating " Prior unfavorable experience with a financial institution. Current unfavorable experience with a financial institution. '' I contacted Early Warning to contest and dispute the incorrect information being reported that resulted in me being denied. However, as of today, Early Warning has not removed the account from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: CarMax, Inc.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am a federally protected consumer and Carmax has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Experian Information Solutions Inc.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Sent dispute in they said that the information on the account was correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: EQUIFAX, INC.
State: OH
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 accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Citicards refused to issue a refund of the points used to book air travel. The air travel was booked through XXXX XXXX. The flight was cancelled by XXXX XXXX. The airline has stated the original form of payment has been refunded and Citi is not following the directions given by the airline. I have booked the same travel with two different credit companies, both refunded my points with no issues.

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 2021-01-22
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Had a car through credit acceptance about 8 years ago car was totaled and insurance payed from what I understood, the dealer I purchased from died so I couldnt go back there ... I finally got the account closed and removed from my credit report and worked hard to build my credit back and they have now put it on bureaus again they are lying saying its new and Im still paying on a car so when I dispute it as being old it reposted back as accurate. I cant seem to get any help from transunion bureaus due to this falsehood to remove it. This count shows the age but they make it look as if it is an open account and that I am just late paying, it is fraudulent as the account was closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-15
Company: EQUIFAX, INC.
State: GA
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 am writing to dispute an issue of utmost importance concerning the unauthorized release of my student loan information by XXXX XXXX to third-party credit bureaus XXXX XXXX XXXX XXXX, and Equifax. This act not only constitutes a blatant violation of the Family Educational Rights and Privacy Act ( FERPA ) of 1974 but also a breach of Title 20 U.S.C. Section 1232g ( b ). I obtained a copy of my credit report which included entries reflecting student loan information that should have been protected under FERPA. XXXX XXXX, disclosed my personal student loan data to the aforementioned credit bureaus, which is a clear breach of my rights as a student under FERPA. This release of information has had a significantly negative impact on my creditworthiness and financial standing.

FERPA, enacted in 1974, protects the privacy of student education records, including financial aid records. Title 20 U.S.C. Section 1232g ( b ), known as the " Buckley Amendment, '' explicitly prohibits the disclosure of these records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08
Company: SYNCHRONY FINANCIAL
State: FL
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:
On XX/XX/2019 I ordered some clothing from XXXX XXXX incorrect items was sent. I returned the items. I wanted my money back and the company agreed. I never got my money back. XXXX XXXX sent documents that I made the order. Yes I originally made the order, but the things I received were not what I ordered. The company said I would get a refund and I am still dealing with this six months later.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or 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:
THEY HAVE OVER A 3 1/2 HOUR HOLD TIME ON AVERAGE TO SPEAK TO A REPRESENTATIVE AND WILL NOT GET ME THE FUNDS OWED ON MY CARD. I FILED A COMPLAINT AFTER TRYING TO WORK WITH THEM FOR MONTHS. NO RESOLUTION. THEY ASK FOR MORE TIME FROM YOU GUYS. 

** THEY ARE ILLEGALLY DENYING ME THE RIGHT TO FILE A DISPUTE, BECAUSE EVERY TIME I CALL I GET THE RUN AROUND. APPARENTLY THEY HAD A DISPUTE FOR SOME CHARGES BUT NOT ALL OF THEM. MY CARD IS NEGATIVE OVER XXXX AND I AM OWED XXXX ON TOP OF THIS. 


I TRIED OVER AND OVER AND OVER AND OVER TO GET A RESOLUTION. AFTER FILING A COMPLAINT I GOT A CALL BACK FROM A GIRL NAMED XXXX XXXX XXXX XXXX SHE PROMISED SHE WOULD LOOK INTO THIS AND GIVE ME A CALL BACK. I HAVE NOT RECEIVED ONE AFTER LEAVING 5 MESSAGES AND WAITING PATIENTLY. 

TURNS OUT THE PERSON WHO HAD MY CARD THAT I WAS NOT IN RECEIPT HAD DONE MULTIPLE CHARGES ON THE CARD, AND I JUST FINALLY WAS ABLE TO GET A CARD OUT TO ME THAT " WORKS ''. I HAVE NO ACCESS TO FUNDS AS IT IS XXXX AND CHANGE. I AM OWED XXXX AND THE CARD IS NEGATIVE XXXX THIS COMPANY IS USING DECEPTIVE DISPUTE PRACTICES TO EVADE FROM THE LEGAL TIMELINES THAT CONSUMERS HAVE TO BE GIVEN UNDER THE LAW. THEY HAVE BEEN DOING THIS TO QUITE A FEW PEOPLE AND WONT FILE DISPUTES/ CLOSE THEM ONLY TO REOPEN THEM AND GAIN MORE TIME WHEN THEYFULLY KNOW THESE NEED TO BE CREDITED WITHIN 10 DAYS. 

***********************************************************************************************

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2019-08-29
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
LVNV Funding filed a lawsuit against me back on XX/XX/XXXX in Ohio. By XX/XX/XXXX never heard anything about this judgement again and ignored it originally because had no clue what it was for.. They submitted a judgement to revive debt in XX/XX/XXXX clearly 6 yrs later and I believe OHIO has a statue of limitations on debt collection after 6 yrs that they no longer can. When judgement came in XX/XX/XXXX. I failed to respond due to mother being diagnosed with XXXX at that same time and it completely slipped my mind. Now XX/XX/XXXX they have filed to garnish non wages meaning attach my bank acct. I have no idea first off what debt this is for at All. Secondly how can they come after me after statue if limitations had expired. I need help on what to do to stop this!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Focused Recovery Solutions, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A medical bill for XXXX XXXX XXXX was setup on a credit card to be charged each month. At some point, as happens frequently to us, our card was compromised and canceled and re-issued. If yo have ever had this happen, is it not easy to forget all the payees that may have your card? It is very easy to forget. No new letters, no calls were received. While in the process of buying a home for my elderly Mom to live near us, we were alerted of a collection. I immediately called : FOCUSED RECOVERY SOLUTIONS Agency Address : XXXX XXXX XXXX   XXXX. 
XXXX, VA XXXX ( XXXX ) XXXX and inquired about the account being on my credit report. I politely, asked questions, and confirmed that the credit card payments had been interrupted by the credit card breach. The very next day, I paid this in full and Focused recovery explained my flex spending would be charged, and the record on the CRA would be deleted. Well, they issued a XXXX  balance to the CRA 's, but not a deletion request as expected. 

An overnight letter, XXXX, was sent, with no response and no deletion order sent to the CRA 's. I have this tracking number if required, please contact me. 

This should not impact my ability to get a good rate on a mortgage, because no-one called me about the credit card payment issue, no letters were received. I have no collections, and never missed a payment on any accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Maury Cobb, Attorney at Law, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Letter was received from Maury Cobb Attorney at Law on XX/XX/2019 requesting payment of a debt in the amount of {$270.00} that they obtain from XXXX  or a judgement would be filed against me within 30 days if payment was not received. 
I replied to the letter On XX/XX/2019 stating the debt was paid directly to XXXX along with proof of the paid bill of {$230.00} on XX/XX/2019 with confirmation number of the payment. 
To date I have received 16 phones calls from his office on the following dates : XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX, XXXX, XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: Navient Solutions, LLC.
State: IN
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:
Once I started to repay my student loans I contacted to discuss options for loan repayment. I was told I qualified for a public service loan forgiveness so I was paying an amount based on my income. I am a XXXX XXXX working for a XXXX XXXX and XXXX. They said that I qualified and had to fill out a paper. I took all the steps I had to to get approved. I even paid {$600.00} to consolidate. Each year I renewed this. For 3-4 years I was making substantially less than my minimum because I was told that after X amount of payments the rest would be forgiven. each year I would speak with someone and re new this public service loan forgiveness plan but I was told something different pretty much every time and know one at Navient could tell me why I was told X. I kept getting the run around but assured that this was the best repayment plan for me. Well I dont qualify for forgiveness plan So here I am 6 years from graduation date and start of my repayment and could be a lot further ahead on my loans than I am all because of false information I was given by the company that handles a large amount of money for me!!! I am basically starting now paying what I shouldve been for the past 6 years! I could be more than half way done but instead Im basically starting fresh and have had 6 more years of interest accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Atlanticus Services Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I applied and was accepted by fortiva card card company on XX/XX/2022 and they still have not given me a card to use and they're still billing me their annual fee I reached out to them multiple times where's my card I never received my card I need a card and they just keep saying it's in the mail I don't feel like I should be getting billed for a service that I can not use it's like there scamming me and if I don't pay them it goes against my credit score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal deducted all balance on my account to theirs, that amount is {$1400.00} USD on XX/XX/2020. 
I was supposed to withdraw the money from my paypal to my own account. However, paypal broke its own rules. It says, the funds will be on hold for 180days, and we will notify you then to withdraw the money. The 180days limitation means, I will get the money after 180days, but its a lie, they took the money from me without letting me know. I can own check it through recent activities. That sucks! such a big platform taking money from its users. 
good thing is, I was told you can handle this, everyone says CFPB is really a great place to report cases like this. 

I wish you can help me to investigate on this and help me to get the money back. my paypal email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: EQUIFAX, 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:
It seems that I have an inquiry from your company and Im looking to get more information because I never applied for anything and Im trying to figure out why and where would this inquiry come from. I am unaware of the inquiry. I have been a victim of identity theft and I have suffered from the credit breach. I would like to get to the bottom of this and I am working with an investigator. I have contacted FTC including filing a complaint, and leaning towards taking legal actions against the credit bureau and creditor for not contacting me in a situation where someone is using my credit without my consent, which is a violation of severs sections in The Fair Credit Act sections 609, 611, 604, 605. 

Inaccurate : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 see that you guys validated that these inquiries are accurate. I would like a copy of my written signature, a written copy the time and date of when this happened, a written copy of the rep or clerk who handled me as customer or client. I am not of aware of these inaccurate inquires and you are reporting false information on my credit file which is against the FCRA and I ask that you immediately delete these inaccurate items.

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