BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
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:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2022-09-15
Company: ALLY FINANCIAL INC.
State: MO
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:
5 U.S. Code 6802 - Obligations with respect to disclosures of personal information Ally Financial, it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2017-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have attempted multiple times within the past 4 months to correct multiple collection agencies reporting the same debt with Transunion and XXXX. I filed a dispute with both Transunion and XXXX to correct this problem and validate which collection agency is still actively collecting the debt. They have refused to remove the double reporting of the same debt, from the original creditor XXXX at XXXX XXXX, by multiple collection agencies. The two collection agencies reporting the same debt as active and open are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX as $ {$11000.00} and also the following collection agency XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX as {$8500.00}. The original creditor for this debt is XXXX at XXXX XXXX. This double reporting is a violation of FCRA and should be corrected by these credit reporting agencies as it is very adversely effecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
There was a fradu alert placed on my Transunion credit report without my consent. I have attempted to dispute and correct fradulant information from my Transunion credit report and this credit reporting agency continues to send me fradulant letters stating it appears that a credit repair company is disputing fradulant information on my behalf.

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 2022-01-13
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice on my credit report about this debt from a collection agency hired by XXXX XXXX last year. This debt is a billing error that is the fault of the medical Providers office. I have made them ( the XXXX XXXX ) aware, my Medical Insurance which was billed incorrectly and also XXXX XXXX yet they continued and took this to collections. 

This amount is not my responsibility and this same account was able to removed from my XXXX credit report, but not XXXX and Im waiting on the results from a dispute with XXXX. 

XXXX XXXX should work with the billing error at the medical office and correctly bill the right insurance. I do not owe them any money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: TX
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:
I have disputed the company XXXX XXXX XXXX XXXX XXXX several times because this was an alleged debt and I had no knowledge of ever doing business with this debt collector or the company they mentioned as an original credit ( XXXX XXXX ). I have spoken with both parties and told the same thing. 

I have filed an FTC report which I will attach so this is removed from my consumer report immediately. This incorrect information has damaged my consumer report and is a violation of federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: NRA Group, LLC
State: PA
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:
Per the laws under The FDCPA, Debt Collectors must send a written Validation Letter however I did not receive a Validation Letter neither by mail and or electronic confirming said debt. I was not given an opportunity to inquire, authenticate, agree or disagree with debt. Therefor you are in direct violation of my rights under the FDCPA.

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 2022-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
My mother and I are joint holders of XXXX Certificate of Deposits ( CD ) that were issued through the MBNA America bank. The first CD was issued on XX/XX/XXXX in the principal amount of {$22000.00} with an interest rate of XXXX XXXX and was set to mature on XX/XX/XXXX. The second CD was issued on XX/XX/XXXX in the principal amount of {$1200.00} with an interest rate of XXXX XXXX  and was set to mature on XX/XX/XXXX. My mother and I recently attempted to call MBNA America bank to withdraw these amounts and learned that MBNA America bank was acquired by the Bank of America in XXXX. I contacted the Bank of America customer service line for assistance with withdrawing money from the CD on XX/XX/XXXX. The customer service representative sent me to the department that handles CDs. The CD department representative stated that there was no record of these CDs in their system and transferred me to the unclaimed property department within Bank of America. The unclaimed property representative also did not find any record of these CDs and sent me back to the CD department. I spoke with another CD department representative who told me that their system can only look back seven years and there was no way to look back further to locate any record of our CDs. I asked if there was a way to escalate this to a department who could look back beyond 7 years and was told that this was not possible. I was encouraged to call the state of MA unclaimed properties to track down the CDs. XXXX XXXX both called and went online to try to find the unclaimed CDs under my and my mother 's names but nothing was found. Of note, both CDs are insured to {$100000.00} through the FDIC. There is fine print on the back of the CD that states if the money is not withdrawn after it reaches maturity, or if instructions have not been given as to the disposition thereof, then the account will be renewed automatically for a term equal to the original term and for the full balance of the account, including all accrued interest in the account at the maturity date.

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 2022-09-15
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian did not have permissible purpose, nor did they have my written instruction. I have attempted to resolve the issue directly with Experian. Please see attached certified mail and receipts. According the FCRA, Experian violated 2 of my rights : 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction

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 2023-04-17
Company: Experian Information Solutions Inc.
State: TN
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2019-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Transaction Date : XXXX Amount : {$300.00} + {$300.00} ( in two transactions back to back ) Company : XXXX XXXX, XXXX, XXXX. XXXX XXXX On the above date, a payment was made using a company debit card from Bank of America , for merchandise that was never delivered, was never intended to be delivered and the evidence sits in the fact that the recipient immediately vanished upon receiving the funds, in total, {$600.00} were paid from business checking, and XXXX XXXX   and Bank of America helped perpetrate the fraud. The merchant is set up as a " cash application '' and makes it practically impossible to trace where the money went after it was taken from the business account and the recipient took the cash and vanished. Upon realizing the fraud, I first contacted XXXX XXXX   customer service via email because they do not offer a telephone number and even getting access to customer service email required over two hours of searching. 

Merchants site provides instructions on what to do in these circumstances. To Notify them and they will immediately freeze the recipients account. However, they were unable to trace the recipient and apologized stating they are working to prevent these types of frauds from occurring in the future. XXXX XXXX XXXX  is basically facilitating fraud by allowing a transaction to occur and then providing total anonymity to the recipient with no regards fort the victim. XXXX XXXX also instructed me to contact my bank and report it as a disputed charge and to deal with it directly through my bank. When I did so, XXXX XXXX XXXX answered the dispute with pure fiction, suggesting they were acting under my instructions, which is absolutely false and fabricated. They addressed the dispute as if it was reported as unauthorized rather than merchandise never received, and Bank of America immediately sided with XXXX XXXX without allowing me even a chance to respond. 

They provided the name and phone number of the recipient who stole the money but the name is made up and the phone number is disconnected. Even with this obvious evidence and indications of fraud, Bank of America, sided with XXXX XXXX, reversed the credit and then re-billed me almost {$200.00} in additional fees. Not only was I victimized by a thief, but Bank of America compounded this by hitting me with fees as if I was dishonest with them. In this instance, both Bank of America and XXXX XXXX are accomplices to identity and financial theft.

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 2023-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit 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 filed a claim about a charge i did not make and did not receive anything from that charge that i could return if i have received it. They denied my fraud claim and I cant afford that charge im currently not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: MO
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 filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2022-05-25
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I had extremely bad experiences with XXXX XXXX XXXX. Following normal practice, I prepared a document and contacted their Customer Service via their web-based portal. Here is the correspondence : I filed my complain on XX/XX/XXXX, which was answered on XX/XX/XXXX. 
I replied to XXXX on XX/XX/XXXX that their answer is unacceptable to me. 
XXXX replied on XX/XX/XXXX, which was referring to an incorrect date and had practically identical content. Actually, this made me to contact your office. 
I replied to XXXX on XX/XX/XXXX that I would stop communicating to them and will find remedy in different way. 
All documents are compiled into the attached PDF file. 
Thank you for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX to the point where I'm having trouble sleeping.

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 2019-04-30
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have made several attempts to get my student loans rehabbed due to financial hardships. I initially obtained debt consolidation for my loans but due to being put on XXXX I defaulted when they would not accept a lower payment than XXXX I asked to get on a plan that would allow at least {$5.00} to rehab until circumstances changed & was unsuccessful. I sent letters & completed a deferment as well 3 times Nelnet/XXXX has not been cooperative at all! I can only pay what I can afford & not to mention being coaxed to attending XXXX XXXX XXXX stating it was more affordable than attending state school. I am requesting to get assistance with rehabbing the loan at this time & I am getting the run around. As a taxpayer this is just not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient has continuously harassed, lied and pushed me into forbearance. I had my student loans with them since they took them over nearly 10 years ago. I have more than $ XXXX in student loans and I was forced into consolidating them with another company. Unbeknownst to me, I was bombarded with refinance/consolidation letters from a few companies, but it was always this one company called XXXX. When I was receiving the letters, I was never told that Navient owned XXXX. When I requested my loan promissory notes, they told me to do it online, yet you can not. My biggest concern is that Navient has essentially coerced me and many others into believing they could get student loan help by using this other company XXXX. But, they own the company they are telling you to move to. What a bunch of bull.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been waiting for months to get a mortgage assumption package transfer under my name and the bank keep asking over and over for the same documents without a final decision. I dont know what to do anymore, this is very stressful and frustrating. I have been waiting for a response since XXXX, 2022 without even knowing what the end result will be.

Company response to consumer: Closed with explanation