BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
These are unauthorized inquires on my consumer credit profile that I want BLOCKED AND REMOVED IMMEDIATELY from my profile, Pursuant to 15 U.S. Code 1681b ( a ) IN GERNERAL, 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. I Never gave Transunion any written consent to report anything on my consumer report, No consent is Identity theft this is infringement and I want the following accounts BLOCKED AND REMOVED FROM MY PROFILE, I am demanding a deletion of this account or i will CONSULT WITH MY LEGAL COUNSEL FOR SUIT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: EQUIFAX, 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 noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My vehicle was repossessed in XX/XX/2015 in the state of Georgia by santander. I received no certified "right to recover" notice within 10 days of repossession. I was never notified of sale, or a chance to purchase the vehicle, which is required in the state of Georgia. I contacted Santander and they offered no solution

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
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 XXXX XXXX XXXX, has violated my rights. 

15 U. S. C. 1681 Section 602 A states I have the right to privacy.

15 U. S. C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting 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 do not recognize these credit inquiries and I asked for them to be remove and the bureaus did not do as I asked. I'm providing an identity theft report and I'm requesting that they be removed because they are inaccurate and not mines.

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 2023-07-18
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: NC
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 interested in processing disputes on my credit report to delete an remove all inaccurate information with Equifax. this has been an ongoing issue that needs to be resolved asap. all of my data is incorrect. please review an remove the requested information to help clear my file asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: Bridgecrest Acceptance Corporation
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:
Victim of Identity theft, please see attached 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 explanation
Consumer complaint received 2019-04-27
Company: Navient Solutions, LLC.
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 status incorrect

Complaint:
NOTE : This is not a duplicate complaint. 

This is a complaint for violations of the FCRA. Specifically the violations of the following section ( s ) of the FCRA Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). 

On XX/XX/XXXX NAVIENT granted a retroactive forbearance on my federal consolidation loan ( s ) effective from XX/XX/XXXX to XX/XX/XXXX. Prior to granting the retroactive forbearance they reported my loan ( s ) as being late in XXXX, XXXX, and XXXX of XXXX by 90, 120, and 120 days respectively. After the retroactive forbearance was granted NAVIENT failed to fulfill its obligations under the FCRA to update the status of the loans with the CRAs. Further, NAVIENT continues to furnish inaccurate information to the CRAs regarding the status of my federal consolidation loans with them. Once the retroactive forbearance was granted payments were no longer due during the months being reported as late above. Under Section 623 ( a ) ( 2 ) of the FCRA Navient is required to update the CRAs with this new information as the old information is now inaccurate and requires updating. I have disputed this information numerous times and Navient refuses to correct this reporting error and comply with the FCRA rules. I have contacted Mr. XXXX XXXX at Navient and I have notified Navient that they are knowingly violating the FCRA and they refuse to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 have disputed these accounts with errors, inaccuracies, and incompetence for a duration of 9 months. The credit reporting agencies are violating my rights under fair credit reporting act.

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 2023-10-10
Company: DISCOVER BANK
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
after giving a substantial amount money to Discover card for a prepaid card & waiting for it ; after I received it, I activated it and tried to set up an account on their app. 
they took a substantial amount of information to set up the card, they took my money. Immediately, they had me enter more private information to try open up the account, so I can actually see, and use my account on their app, and the system would not work to let me set it up. 
I followed their parameters meticulously. I took precious amounts of time to follow their customer service direction that sent me to another customer service that sent me to another customer service. 
during one of these brief encounters, they had me set up a different way of addressing this failure of their IT or business practice being set up to exploit lower income & credit disadvantage people people. The last attempt at trying to set up the account. They had me enter four digit code instead of a user ID and it said it can not do it. yeah after all the grief they gave me and canceling my card this morning I get congratulations. Your four digit code is ready to go after it told me it could not work. I have many screen shots of my attempts and names, ids attempted of setting up the account user ID and enter the four digit code, along with a copy of their parameters for these, and it would not let me. With their customer service less than motivated to solve the problem or address information, I gave them basically completely ignoring it, I was terrified that they had all of my information and they're now making my credit worse putting it at Jeopardy more. after I went to close the account, they tell you that you don't get your money for over two months.

I am not a lawyer I can not afford a lawyer I can not afford to have them sitting and rolling around in my money that they took so easily, but will not address their failures in their IT. I hope this agency has some understanding of what they may be at fault of or if you just all in bed with them I am shocked at how this played out. I am terrified of what they've done to my credit now and they have my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: ENCORE CAPITAL GROUP 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: Account status incorrect

Complaint:
XXXX XXXX has reported a charge on my credit report and I have no idea what it is. They said it was from a debt in XX/XX/XXXX. I have had two real estate purchases and one car purchase since XX/XX/XXXXand this account, the account number and the account name does not show up on my credit report. I requested a validation of debt on XX/XX/XXXX. They did not have any of my current information as far as address and phone number although I had a current and active XXXX account. I was assured the statements would be mailed immediately. On XX/XX/XXXX, I was informed the " debt '' was sold to Midland Credit Management on XX/XX/XXXX. XXXX, 6 days AFTER I requested the validation of debt. As a consumer, I have the right to receive from XXXX XXXX to validate this debt. The debt is over 7 years old and I have  zero visibility or knowledge what this is. As stated, this account did not show up on my credit report that was pulled in XX/XX/XXXX. All my accounts showed up to date and current. XXXX XXXX  has refused to validate this debt! 
So now what? Am I going to get harassed from MCM? This also needs to be removed from MCM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I already filed a complaint ( complaint ID XXXX ), and you closed it after the company replied, without investigating their false claims. It is unacceptable to take any statements from institutions as unreliable and deceptive as banks at face value without a thorough investigation. Citibank deceived my when I signed up for this credit card, and I would like this situation rectified. I'm totally fine paying my established minimum payments of {$29.00} a month, but they wont be able to get any money from me if they keep raising the interest and subsequent monthly payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: EQUIFAX, INC.
State: NV
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:
There are several accounts listed on my credit report that aren't mine. Please have them removed. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-02
Company: GOLDMAN SACHS BANK USA
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I recently opened an Apple Card Account issued by Goldman Sachs Bank USA. On XX/XX/20, I disputed a transaction based on the terms of my Cardmember agreement. On XX/XX/20 I was issued a " provisional adjustment '' in the amount of the disputed charge. I was advised that the funds would be reflected in my available balance immediately and on a provisional basis pending the outcome of the investigation. On XX/XX/20, I called Apple Card back to inquire as to the status of the provisional credit as it was not reflected in the available balance, I was told I would need to wait 90 days until the close of the investigation for those funds to be available. 

The terms of the cardmember agreement do not differentiate between what is defined as a " provisional credit '' and a " provisional adjustment '' and/or the availability of such funds. representatives on three occasions advised I would have immediate access to the funds while they investigating my claim. However, upon " review '' each representative later changed their story after determining they were not able to rectify the credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-14
Company: Shellpoint Partners, LLC
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:
My current mortgage account with NewRez/Shellpoint ( Account # XXXX ) is not reporting my account as current as of to date. The last date it is reporting is 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 2019-12-10
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Incomm Holdings Inc.
State: NJ
Product: Prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
At this point I'm trying to find other persons to help file a law suite . For misleading consumers. When u file a dispute it says that they will issue out a replacement card with the reminding balance. But u file a dispute they tell u u need to wait 90 days for a new card thays what a Rep ( XXXX ). told me. How is this possible make no sense at all. They hold your money and give it to u when they want. Then ask for all this information like receipts who keeps them anymore people just have a pile of receipts laying around the house for years and years. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: State Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My problem is that State Collection Services XXXX XXXX, Wisconsin has not deleted a medical collection from my credit report even though it has been proven that XXXX had covered the bill of {$8200.00} in full. I am 100 % XXXX and the hospital made a mistake, whereas they took the collection back from State Collection Services in XX/XX/2023. The problem I have is that State Collection Services had no right to report a debt that was not 100 % confirmed was a debt at all. XXXX XXXX XXXX has confirmed that they took the collection back and were discharging the collection altogether. The collection must be removed permanently!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I made a payment with PayPal. I partly paid with my PayPal balance and partly paid from my debit card. I sent it to the wrong email and requested a refund. The user sent the refund but it was never sent to my debit card. The bank says theres no record of the transaction. I would like the money refunded promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am XXXX XXXX XXXX, XXXX. I am the beneficiary of the account held with discover under the name XXXX XXXX or any derivative thereof. I have tried to resolve this issue with Discover but to no avail. I will be forced to bring suit against Discover within 10 business days from this notice if they do not reach out to me and try to resolve the issue. This will serve as notice and be used as evidence if the issue has not been resolved in the allotted time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 1. XXXX XXXX, Account # XXXX XXXX. XXXX XXXX Account # XXXX 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 : 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 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 ) States A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: AL
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 Account XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation