BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-21
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
on XX/XX/XXXX I sent a letter to all three credit reporting agencies for inaccuracies on my personal information. Ive sent two follow up letters XX/XX/XXXX and XX/XX/XXXX, and still nothing has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Submitted an XXXX application on XXXX XXXX, student aid sent application to EdFinancial. Called EdFinancial approx. 5 times between XXXX XXXX and XX/XX/XXXX on update, some reps saying no app on file, some saying its processing and need 32 days, another telling me it would be completed XXXX XXXX, it was not. Called again XXXX XXXX, told since the requested tax info from me, it pushed the date back lie, I provided my tax information unasked in hopes it would cut out time. Never received any correspondence from EdFinancial asking for anything, just provided it. But they were quick to switch my loan back into repayment when I asked but can not find my IDR app. Horrible systems, not handling repayment well at all, no communication to client, phone has XXXX minute wait-time, staff unknowledgeable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
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: Investigation took more than 30 days

Complaint:
I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 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 2022-03-14
Company: TRUIST FINANCIAL CORPORATION
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:
please stop reporting fraudulent information on my credit. XXXX is reporting an account that I never opened nor authorized anyone to open on my behalf. I have no knowledge of what this account is and I am requesting the immediate removal of this taccount from my credit. Please see attached the Identity Theft report and my Driver License.

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 2022-03-14
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Management LP open a claim on my credit report FOR {$110.00} I repeatedly contacted the originator of the account letting them know that this inaccurate it`s not mine. my credit has taken a hug hit because of this.

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 2023-02-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 I filed a complaint with CFPB for identity theft with all three credit bureaus. ( see attachment ) and then sent a handwritten dispute on XX/XX/2022 to all three credit bureaus stating the same. After their investigation, XXXX deleted XXXX XXXX ( account number XXXX ) however, XXXX and Experian XXXX to leave it on my credit file. ( PLEASE DELETE THE ACCOUNT ) They stated that it was verified as accurate. How did Experian and XXXX verify the account as accurate? First and foremost I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Secondly, if all three bureaus did their due diligence in investigating the dispute they would have deleted all the accounts in question. XXXX stated that XXXX XXXX XXXX ( account number XXXX amount {$6500.00} ), ( account number XXXX amount {$1700.00} ), and ( account number XXXX amount {$250.00} ) were verified as accurate. How so when the date of the last payment doesn't match with XXXX 's reports ( see attachment ) whom also stated the accounts were accurate and verified. The Information reporting has to be 100 % accurate. So if an investigation was completed then all credit bureaus should be reporting the same information but they are not! After XXXX 's investigation, they stated that the accounts XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX were verified as accurate and modified. If the investigation took place why are there discrepancies in my credit file? XXXX has also reported that payments were made in the last XXXX  months on the charged-off accounts. ( SEE ATTACHMENTS ) This is unacceptable. All three bureaus are in violation of my consumer rights and I just wish they'd do what's fair and equitable to me as the consumer by deleting the items. It's their obligation to make sure that the information reporting is accurate and relevant and they've failed to do so.

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 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions 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 2022-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Dear CFPB, I writing this in request to Bank of America to provide me a XXXX for the following account : XXXX The status of this account is inaccurately reporting on my credit profile and I request that it is deleted. Otherwise I will have no choice, but to file a XXXX and enter litigation.

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 2023-02-27
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
on XX/XX/2022, I walked into the Truist Branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida. I needed to open up a business account. I recently became an XXXX and was previously a sub XXXX XXXX client. I already had a personal account and checking account with Truist ( formely Sun Trust ) The Branch Leader XXXX XXXX invited me to his office where we worked through opening my business account. I sat there while he told me to sign items electronically that came through my email via phone. He then informed me during the process " congratulations, you have been approved for a business credit card with a $ XXXX limit '' I said " I was not going to use your company for a business card. I was going to open a XXXX business account because I like their points and I have a personal card with them already '' He then said " well you need a business card anyway, you are already approved, we have one with travel mileage you can earn '' I was a bit taken back and trying to absorb what happen. My XXXX XXXX is in the XXXX and thought, i dont want to take another hit on my credit. So he showed be the travel one and selected that one. I went home and thought it through. What gave him the right to run my credit and approve me for a card without my permission. I reported by calling with in 48 hours. I have repeatly have requested an update and I have been told its still under investigation. Ive told many reps on the phone and everyone just apologizes but no one has a manager call me back or anything. I feel violated and I question why I still have any accounts with them. I have now found out that the travel card has a yearly fee and I dont travel for business. Now I am not sure how I will even justify that to my accountant. I have been banking at the same institute for over 30 years ( through mergers etc ). This should not happen to anyone else

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 2020-03-04
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: Information belongs to someone else

Complaint:
I HAVE APPLICATIONS THAT HAS BEEN FILLED OUT USING MY PERSONAL INFO AND MY INFO HAS BEEN USE FOR MEDICAL SERVICES THAT I DID NOT GIVE CONSENT I CONTACTED TRANSUNION, XXXX AND XXXX TO HAVE THEM REMOVED THEY WOULD ASSIT ME OVER THE PHONE SO I MAILED THEM THE DISPUTE ASKING THEM TO BLOCK THE FRAUDLENT COLLECTIONS AND INQUIRES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
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:
A collection showing on my credit report does not belong to me, or my address has no ties with this collection or me. This was added to my credit file without my knowledge or my consent. This is illegal and against the law, stated 15 U.S.C 1681 section 602 to be reporting improper accounts 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 2022-03-14
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-08-11
Company: JTM Capital Management, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
According to the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Total Card Visa, has violated my rights. This account was fraudulently opened using my information.

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 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: T.S. Holdings
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A collection agency called IQ DATA INT'L INC  ( XXXX XXXX XXXX WA XXXX XXXX ) placed for collection a charge of {XXXX} from XXXX XXXX XXXX XXXX XXXX Georgia  ( original creditor ) on XX/XX/XXXX. They sent several letters and repeated calls to me and my family, they did not stop until I wrote to them asking them to stop. However, they placed this onmy XXXX XXXX credit report. I noticed this on XX/XX/XXXX as I was trying to apply for some credit. Since, XXXX of XXXX, I have filed a fraud report with the FTC and the CFPB. Have not heard anything from either agency regarding my case. 
Back to the crux of the matter, WE called IQ DATA in XXXX XXXX and asked them what we needed to do. A very respectful man XXXX XXXX told us to mail documentation to IQ DATA verifying my place of residence during the fraudulent charger, who used the the name XXXX XXXX not me XXXX XXXXXXXX to navigate their fraudulent account at this apartment complex. I did this, I mailed the documentation w/ proof of residency, drivers lis proving AGAIN my address which was not in Georgia . So, it is NOW XXXX and WE have not heard anything from IQ DATA INT'L. I called on XX/XX/XXXX and spoke to XXXX XXXX. Mr.XXXX proceeded to say to me " so why don't you just pay the XXXX bill '', the nerve of this person to assume I was the fraudulent person before IQ DATA even completed their " investigation ''. He next proceeded in a very unprofessional manner to tell me these investigations take 2, 3 and even 6 months. If this is the kind of people IQ DATA employees WOW I guess the fraudulent account from XXXX will never come off my report. I was living in XXXX XXXX Florida during the dates the fraud ( person ) was living under my identity in Georgia, It stated that on the copy of the lease I sent to IQ DATA and on my drivers Lis and a utility bill. The fact of the matter is my identity was stolen and IQ DATA keeps trying to implicate me as the fraudulent person. When the facts clearly prove otherwise. 
Perhaps, I should ask my attorney to get involved, because I'm sure with the evidence in hand any judge would see the FACTS.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My federal student loans are currently serviced by Aidvantage. I recently submitted paperwork to consolidate my student loans. At XXXX. XXXX on XX/XX/2023 I received an email from XXXX with the subject line " New document ready to view! '' In the body of the email it says " For your privacy, we have secured this document in your Aidvantage inbox. '' and then it has a big purple button that says " view your document. '' This email appeared to me to be coming from Aidvantage. However, when I clicked on the " view my document '' button it took me to a different website with the URL " XXXX. '' I've never heard of this website. It does not appear to be Aidvantage. My browser flagged this website as unsecure and said " Your connection is not private Attackers might be trying to steal your information from XXXX ( for example, passwords, messages, or credit cards ). Learn more '' and that " This server could not prove that it is XXXX  ; its security certificate expired 137 days ago. This may be caused by a misconfiguration or an attacker intercepting your connection. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Based on 15 USC 1681s-2, 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 not 100 % accurate, I have displayed on several occasions how the Fair Credit Reporting Act is being violated. According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus dont have any written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall now 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. ( B ) Reporting information after notice and confirmation of errors A persona shall not furnish information relating to a consumer to any consumer reporing angecy if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. The credit bureas dont seem to be compliant with the actual laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30
Company: Resurgent Capital Services L.P.
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:
LVNV Funding LLC # XXXX has violated my Consumer rights by illegally attaining my Nonpublic personal information and has furnished my Nonpublic personal information with third party affiliates with is a violation of 15 USC 6802... .Furthermore, this company does not have consent to use my Nonpublic personal information which is Identify Theft, I never signed any contract or have any agreements with LVNV Funding. LVNV does not have the right to furnish a debt with Consumer reporting agencies...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Paypal Holdings, Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have had my Venmo account frozen without just cause and have made numerous attempts to resolve the matter but they have no interest in resolving it and now state they have cause to hold my money for at least 180 days.They said that i violated the user agreement but wont explain how and then just said the matter is closed. That makes it right for them to hold my money And close my account? 

XXXX. What bank issued your card/account ( look on the back of your card for the words " This card issued by '' )? 
XXXX XXXX. What type of account is at issue ( Examples include : Checking, Savings, Prepaid, Digital Wallet, etc. )?

Checking 3. Is the account/card in your name? If not, whose name is it in and what relationship are they to you?

Yes 4. Date your account was closed or, if it is still open the date the restrictions were placed on it? 
XX/XX/XXXX 5. Were you given prior notice of the restrictions or account closure? If not, how did you find out?

No 6. Did you try to make any transactions that were declined due to the hold? If so, please identify the attempted transaction ( s ) ( for example, failed ATM withdrawal, card declined at the grocery store, etc. ) and provide the date that you attempted the transaction ( s ).

Yes 3 failed atm withdraw 2 on XX/XX/XXXX and XXXX XX/XX/XXXX XXXX. What is your accounts approximate balance that is being withheld from you? 
{$410.00} XXXX. Are the restrictions placed on the account preventing you from logging into the website or mobile application for the account? 
No XXXX. Did you communicate with the company to try and resolve the issue ( s )? If so, give dates? Also, please provide me with copies of your communications [ emails and screenshots of calls ] to the bank regarding the restrictions placed on your account. I ask out of an abundance of caution because notice of the error ( s ) to the financial institution can be a critical issue in these cases. 
Yes i did communicate threw email with venmo on the following dates- XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX XXXX. Did the bank ask for you to provide identification documents? If so, what documents did they ask for? What documents did you provide them? What date did you provide them? 
Yes they asked for identification documents. I sent them my license on XX/XX/XXXX. 

XXXX. Did you ask for the bank to close the account/card and mail you a check? 
Yes was told I couldn't close account. 

XXXX. What is your telephone number in case we need to contact you? 
XXXX XXXX. In which state do you reside? 
OHIO

Company response to consumer: Closed with monetary relief