BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in the file listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$39000.00},

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 2022-03-07
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This company froze my bank account, 1 of them without my knowledge. I receive VA Benefits monthly, and I believe banks are not supposed to be freezing these type of government federal funds as they are protected. I explained that to them. They told me they are not refunding anything. This is illegal. They are returning everything that comes to that account ; how about you return my VA benefits and other money.

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 2022-03-07
Company: Consumer Adjustment Company Incorporated
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I, XXXX XXXX, are reporting Consumer Adjustment CO for FRAUD and aggravated identity theft and for violating the Social Security Act and false and misleading information.

The CFPB, FTC, IRS, needs to investigate them immediately, expeditiously they are frauds!!!!!

This company CONSUMER ADJUSTMENT CO has my social security number and is using it without my authorization, violation to my consumer rights pursuant to 42 U.S. Code 408 - Penalties. I did NOT give them authority to use MY SOCIAL SECURITY NUMBER!!!!!

This company is furnishing my information to all credit reporting agencies and I did not give them permission to they are using my social security number and I did not give them permission to do this is a federal violation to the Social Security Act.

Consumer adjustment CO brought my information/Social Security number from another company ( I dont which company ) however, This is a violation to the Social Security Act and aggravated identity theft pursuant to 18 U.S. Code 1028A - Aggravated identity theft This company CONSUMER ADJUSTMENT CO is committing fraud pursuant to 18 U.S. Code 1030 - Fraud and related activity in connection with computers. They are using their computers to furnish my information using my social security number WITHOUT MY AUTHORIZATION!!! PLEASE CFPB INVESTIGATE THEM THEY ARE IN VIOLATION REGARDLESS OF ANYTHING THEY SAY!! THEY ARE USING MY SOCIAL SECURITY NUMBER WITHOUT MY AUTHORIZATION!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

I WILL GET MY REMEDY FOR VIOLATIONS OF MY RIGHTS BELIEVE ME ON THIS!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Sequium Asset Solutions, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was alerted to a drop in my credit score via my credit card company in. After accessing my credit reports from all three reporting companies, I discovered a fraudulent collection entry by Sequium Solutions ( XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX ) on XX/XX/21, saying we owed money to an internet provider and claiming we lived at an address we never lived at. We contacted the collection agency, Sequium, who made NO attempt to resolve our issue. They seemed only set on collecting as much personal information from us as they could. We declined to provide any additional information. We have filed disputes with all three reporting agencies alerting them to the fraudulent collection claim as well as asking to remove previous address entries and phone numbers that were fraudulently added to our personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: National Credit Systems,Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2018 {$4000.00}. I have tried to dispute the inaccuracy for National Credit System XXXX XXXX XXXX XXXX for the amount owed. This debt was sold to a Third party company and is incorrect. I do not owe this much on this debt. Per the XXXX XXXX XXXX I only owed {$1800.00}. The company refuses to work with me on the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: SYNCHRONY FINANCIAL
State: PA
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 opened an amazon sincrony bank credit card to purchase books for college. I paid it off in full back in XX/XX/2019 for the last amount of XXXX. I called to have my account closed and they decided not to close the account instead opened a brand new account under my name unauthorized and know I have charges that I didnt make and have been calling them o resolve this issue and has been under investigation since XXXX 2019. almost a year know I keep calling them to find out whats going on because I am a very responsible individual and I dont need charges that I didnt make under my name so its under my best interest to get this resolved. They are requesting payments and I refuse to pay for something that I didnt make.

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 2019-06-07
Company: GMA Investments, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
The following number keeps calling me XXXX and is threatening me too have me arrested of I don't call him back at XXXX. He didn't leave a name. He is now threatening me and has used my brother 's name. How he figured that out I don't know. We don't have any ties together. I found the company that is associated with the 844 number but they act as if I power some kind of debt to them. I don't even know who they are. He called several times and I emailed and called the company and asked them to please stop calling me and send me a letter of what they think I owe. They haven't responded to the email and hung up on me when I called to ask for a letter. I have the last voice mail saved on my phone from yesterday 's call. I just learned I can turn them into you guys. Please help. Make them stop doing this to people. Thank you so much for your time.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have a credit freeze on my TransUnion credit report. 

I tried to unfreeze it online at the TransUnion website because I am applying for a new credit card. 

However, TransUnion 's website says " Credit Freeze Service Temporarily Unavailable ''. 

This is unacceptable : 1 ) First, credit reporting agencies are terrible institutions that make money by selling private information to others, and we consumers aren't able to stop them from profiting from us in this way. 

2 ) Second, credit reporting agencies are required to offer this freeze/unfreeze protection according to the Economic Growth, Regulatory Relief, and Consumer Protection Act. This Act was passed precisely because of the gross negligence of these terrible anti-consumer agencies who routinely misuse our personal information, increasing the chance of identity theft. 

TransUnion is violating the " Economic Growth, Regulatory Relief, and Consumer Protection Act '' by not allowing me to unfreeze my credit report when necessary. It is required to remove my freeze within one hour of my request, but it has not done so since after making my electronic request, TransUnion 's website responds with " Credit Freeze Service Temporarily Unavailable '' and asks me to call their company instead tomorrow ( after an 8 hour delay ). That's longer than the required 1 hour to resolution.

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 2023-04-28
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX violated my rights. Account opened XX/XX/2018 for {$270.00} U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2021-06-22
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My XXXX XXXX stopped working and I had to get a new phone. I had XXXX XXXX for BINANCE.US login security feature on my XXXX XXXX. I had to get a new XXXX  XXXX. I can't access my original XXXX XXXX any longer and it doesn't transfer over to my new XXXX XXXX. I contacted BINANCE.US about my issue. They requested my original ID used to sign up, a video recording of myself and me holding my documents. I submitted everything they requested and its been almost a month with no response. I emailed them asking the status of my ticket without a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
On or about XX/XX/2019 a check from XXXX XXXX, a client of Bank of America, issued check # XXXX to me on account number XXXX in the amount of {$4000.00}. The check was never received by me and I was later advised that it was deposited into an account at XXXX XXXX XXXX which was later closed for fraud per XXXX XXXX. I have requested a replacement check from XXXX XXXX but theyve refused to notify Bank of America of this matter and follow proper procedure to submit a claim to have the funds reimbursed to 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 2023-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My Bank of America account has a negative balance of {$35.00} from fees only, not from overdrafts. I want to close the account, but Bank of America will not let me close it while it has a negative balance. They have frozen my account so that I can not add money to bring it back to a XXXX balance. Repeated attempts to close the account have resulted in more than XXXX XXXX  on the phone with no resolution. I live on XXXX XXXX and there is no local Bank of America branch here. I have an email stating that the account has been closed, but I just received another statement with a negative balance that is increasing. I just want to close the account because I had the account for years and never used it, but still they drained hundreds of dollars in monthly maintenance fees. Once I became aware of the fees and reached out to them, they did not offer me a no fee account. I just want to be done with this Bank. They are not helpful and they are predatory in my view.

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 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in the file listed on my credit report : XXXX XXXXXXXX Balance : {$2000.00}, XXXX XXXX XXXX XXXX : {$960.00}

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 2018-11-16
Company: Statebridge Company
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have not been satisfied by the lack of customer service from Statebridge Company. My home sale in XXXX, Tennessee was closed onXX/XX/2018 and both myself and XXXX XXXX of XXXX, Tennessee, requested but never received a letter from Statebridge stating my mortgage loan was Paid in Full. In addition, after nearly three months Statebridge still has not updated my credit reports to reflect this loan had all payments in good standing ; balance paid in full ; and mortgage loan account is closed. This lack of action did not happen with my other mortgage company involved in this home sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Maximus Education, LLC dba Aidvantage
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
AidVantage is horrible. Customer service is filled with rude, incompetent, and unprofessional representatives. These are student loan accounts that these folks are responsible for. I did a consolidation application a month ago via StudentAid.gov in which I added two loans, but only one was added to the consolidation {$7000.00}. Received a letter a week ago stating that consolidation was complete and that I had 10 days to add additional loans to the consolidation. I called AidVantage and was hung up on twice. I finally reached someone who added the {$2800.00} that was missed from the initial application then a week later, I received a letter stating that the application had been denied due to applicant canceling the application ( 07 ) which is not true -- a bold faced lie. I am on the phone now trying to reach a supervisor in which I was told by several customer service reps that it was very hard to reach a supervisor. Someone in this company has denied my previously approved consolidation application and is stating that I sent an email canceling which is not true. Horrible company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: M. G. Credit, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
When I contacted the company to ask how did I owe them the agent told me for medical bills and the dates I suppose to went which is violating hills rights and that I need to pay or its never going to come off my credit and my credit will always be ruin. I ask was there anyway to prove he said yes we sent a letter in XXXX which I never received and I ask for another one to be sent and was told no they dont have to keep sending me letters either I pay or its just going to stay on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: EQUIFAX, 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:
Sent a complaint through the XXXX  to Equifax got a message back the next day, basically refusing my request to re-investigate. 

Since the Equifax Data Breach back in XX/XX/2017. I have seen a variety of different things keep appearing on my Equifax Credit Report that I dont know where they came from. Anywhere from New Inquires, New Accounts, Fraudlaunt Applications they have came across my credit report. 

Whats weird about this whole thing is when I questioned XXXX  and XXXX  they investigated the same thing I ask Equifax to do, and their results after investigating came back with several accounts that resulted in deletion because they found IP addresses came out of another state. 

So when I ask Equifax to do the same they continue to refuse my request which should be against the law. I know they broke the law by refusing my request to reinvestigate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
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: Investigation took more than 30 days

Complaint:
I submitted a 609 validation letter to TransUnion on XX/XX/2021 I also submitted a validation letter to Transunion and XXXX on XX/XX/2021 I haven't had a response within the 30 days required for an investigation I've also sent non-response letters to all 3 bureaus I've also included documents which I sent the three bureaus thank you

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 2019-06-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian did not properly and thoroughly investigate my dispute with XXXX XXXX XXXX. Experian reported that they verified my information with XXXX XXXXXXXX XXXX and that they found it to be true. This is not true and Experian falsified the report because XXXX XXXXXXXX XXXX did not have my correct/updated mailing address nor did they have my correct telephone number as my initial dispute stated and that my initial complaint with the CFPB also stated. I also had explained to Experian that XXXX XXXXXXXX XXXX did not allow me to dispute information on the charges that they have stated on the account, which some are found to be fraudulent due to my identity being stolen ; which make the account balance also incorrect. Also, I explained to Experian that the charges on the account were incorrect and that XXXX XXXX XXXXXXXX did not allow me to dispute them and that XXXX XXXX XXXXXXXX never contacted me regarding the charges. Experian falsified their report of stating that they verified that XXXX   XXXX XXXX had initially had my correct information at the time of my first dispute, which was not true. XXXX XXXX XXXX did not have my correct information and only updated the correct information at the time of my dispute with Experian and complaint with CFPB. I request that Experian remove the XXXX XXXXXXXX XXXX account from my credit report 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 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief