BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly request that you update my credit report and remove the public record that is currently listed.

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 2020-02-06
Company: Comerica
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I receive my Social Security benefits deposited on my Direct Express Card on the 3rd of each month. On XX/XX/2020 I checked my account and was notified that it was under " fraud suspension ''. I called the customer service number on the card and was unable to speak to anyone. I made a multitude of calls to that number and have still not been able to speak to anyone. I also contacted the issuing bank and was told they have no connection with the card, they just issue them. Then I filed a complaint thru their company, received one call from a representative who left a message with a number for me to call back and, after 8 ( eight ) calls in two days ) have been unable to talk to anyone. I am a XXXX-year-old XXXX  who lives on Social Security and now there are two month 's worth of benefits tied up on this card because I can not get an answer as to what is happening with the " fraud ''. This card to recommended by the Social Security Administration and all I can say to that is " DON'T USE IT. IT IS A SCAM ''!!!!! From now on I will be using a conventional bank account and recommend everyone else does the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: CAVALRY INVESTMENTS, LLC
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:
This company is reporting inaccurate information, have stated to them that the DOFD is inaccurate, this account should have been erased from the credit report being that it is an extremely old account and it is still being reported by Cavalry Portfolio Services. I am now getting about 4 calls with no voicemail, which constitutes harassing calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It has been reported several times that my auton loan at XXXX XXXX XXXX XXXX is 30 days past due. I have called several times and spoken with the loan mange XXXX XXXX who has informed me that she can not correct late payments corrects have to be made with the credit bureau although my due date on changed from the XXXX to the XXXX without my knowledge. I have attempted to correct with all 3 credit bureaus and no changes are ever made. Today XX/XX/XXXX XXXX XXXX has sent email stating that a change was made to my due date. I am disputing all late payments from XX/XX/XXXX up to current. and have attached email to show my due date was changed without my knowledge.

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 2023-03-28
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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my report. I have sent letters to them but was never received any response from them. I felt I am being taken advantage and at the same time being ignored.

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 2020-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Capital One Bank ran an unauthorized credit check on my credit report on XX/XX/XXXX XX/XX/XXXX. I sent a letter to XXXX, XXXX as well as Capital One Bank asking for removal of the unauthorized inquiry. XXXX, and XXXX  said I needed to reach out to Capital One Bank ( which I did in writing ) and the inquiries are still reporting. 

I did not apply for a line of credit from Capital One Bank. I would like the inquires to be deleted NOW. It is against the law to run an unauthorized credit check without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Ive reached out to XXXX  several time regarding interest charges. These are fixed rate loans but my interest payment continues to increase over the last 4 months. I have also emailed them regarding the fact that even after payments are made on their website, the account summary continually states that the payment is overdue. In most cases, the money is out of my account and they still show unpaid for several days. I believe it is so they can collect more interest. Customer service NEVER replies to my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I contacted chase bank regarding a disputing charge, they asked me to give the company couple to days to see if i can resolve the issue, however i waited about a week and the problem wasn't resolved then chase was contacted and first they disputed the whole amount and asked me to wait 24hrs until it reflects on the account and at first it did then in about 4 days they reversed the money out with out notification or notices leaving my checking account negative balance and when i called they claimed that it passed the disputing period which was 60. if chase initially disputed the charge it would of been within the disputing period but they decided to waste time knowing that the disputing period was going to be over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2020-02-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Beneficial Mortgage Co. and XXXX  XXXX  XXXX. were subsidiaries of HSBC Finance Corporation and organized in the State of Delaware. It appears that Beneficial, HFC companies, and HSBC Credit Centers have closed their consumer finance businesses in the United States. In 2008 a lien was place on my home in the amount of XXXX. Home address XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX county. The loan was paid in full and the loan company closed due to being a predatory lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am an Legal Alien from XXXX. I have never used the Social Security number for anything besides Identification verification. In XXXX I recently pulled my Consumer Reports and discovered Fraud! There are two XXXX XXXX  credit cards opened without my consent or knowledge! In no way did I benefit from these accounts or had knowledge of them being open. One account over {$1000.00} the other over {$3000.00}. The other Fraudulent and un authorize account is an auto loan with XXXX XXXX that was defaulted for over {$7400.00}. I have never did any business with this company! This account is fraudulent and un authorized! These items I did not open or benefit from. They will need to be deleted from my consumer report immediately! They do not reflect my credit worthiness. I have contacted the FTC and attached the report to this complaint!

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 2021-11-01
Company: U.S. BANCORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I the Natural person, and pursuant to 15 USC 1681b - Permissible purposes of consumer reports and ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; In accordance with the written instructions of the consumer to whom it relates. 2 ) In accordance with the written instructions per the Consumer to whom it relates. US BANK, never gave XXXX, XXXX, or XXXX written consent FROM MYSELF to report anything on my consumer report, No Consent is IDENTITY THEFT. Concerning the account listed below as a consumer I Am demanding a deletion of all accounts as it relates, Immediately. I, XXXX the Executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction,

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 2021-09-22
Company: EQUIFAX, INC.
State: TX
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 profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: Social Finance, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Recently purchased a phone, got scammed, seller agreed to refund but never sent anything to refund the item back. Case got denied because I couldn't ship the broken device back because the seller didn't send anything. Tried contacting my bank twice and they denied it. They are clearly condoning fraud and it's disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX Balance : {$1200.00} ; XXXX  XXXX XXXX XXXX Balance : {$19000.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2019-08-24
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed a collection on my credit file and they removed the collection from my file on XX/XX/XXXX and recently has been returned to collect from me for a medical reasons to which I have had my insurance that has covered everything for the last several years now and I have to be frank the company trying to recollect what you have already deleted from my file on XX/XX/XXXX is unnecessary and I have been told that my identity had been comprised and personal information about my identity had been used.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2019, I called XXXX XXXX XXXX to cancel my TV, Phone and Internet services. XXXX XXXX XXXX failed to document my request during the phone call and only requested to port the phone number, instead of fully canceling the account. XXXX XXXX XXXX continued to bill the account for full months services in XX/XX/XXXX and XX/XX/2019. After numerous phone calls, XXXX XXXX XXXX removed charges associated with XX/XX/2019 but refuse to remove the charges from XX/XX/2019. 

I spoke with representatives on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XXXX. On each phone call, I was assured that the charges were going to be reversed for the months billed after my request for cancellation. 

On XX/XX/XXXX I received a letter from a collection bureau dated XX/XX/2019, demanding payment of {$300.00}. 
I do not feel obligated to pay this amount and demand that XXXX XXXX XXXX reverse all charges to this account that occurred after XX/XX/2019 and recall this collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
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: Credit inquiries on your report that you don't recognize

Complaint:
I, XXXX XXXX XXXX, consumer, in fact did not consent to, authorize nor benefit from any of the following inquiries. There was no consent nor did anyone give permissible purpose for the inquiries attached pursuant to 15 USC 1681b ( a ) ( 2 ). I have been injured from identity theft from this fraudulent activity. Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), 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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 


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. 

XXXX  XXXX Bankruptcy Case Number : XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21
Company: Experian Information Solutions Inc.
State: MI
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/XXXX and XX/XX/2021, I sent communication to XXXX  and Experian asking for a collection account to be investigated. The account is with XXXX XXXX XXXX. I have requested from the creditor documents validating this debt several times, as I am not aware where this came from .I sent in proof several times that this creditor is not validating the debt because they are not informing me as to how it was obtained. They have sent me several communications stating that the original creditor believes it is valid. When asked to send me proof of this account. XXXX  on 3 occasions sent me a 2 page bill that displayed no information as to what the charges are for. Also XXXX was reporting conflicting information between the credit bureaus. I sent this information to the reporting agencies and they only updated the information to match. XXXX  and Experian both failed to properly validate this debt. I have not been informed by neither XXXX, XXXX, nor Experian on how this debt was obtained nor where it came from. When I called XXXX  I was told that they have just started my dispute on XX/XX/2021, that is one month after my certified mail receipt shows it was delivered. Once I advised the rep that I had proof it was received by them on XX/XX/2021, he then changed the story that the investigation was completed and that they updated the information. This information is damaging my character and causing me a great deal of stress. I am trying to purchase a home and this is stopping me.

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 2022-11-21
Company: EQUIFAX, INC.
State: DE
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a5 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 an 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 I demand this account be deleted from my credit report. This account has previously been deleted ( XXXX XXXX. XXXX, XXXX Account # XXXX ) but was sold again into collections. Which is invalid. Due to false reporting, I am able to file a lawsuit And it will be a fine per inaccurate violation. 

I did not give them permission to use my information. 

I have contacted the lenders asked for the written consent I gave them and none of them could provide me with said documents.

Company response to consumer: Closed with explanation