BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I have reached out about the reporting of my credit report on the inaccurate information reporting on multiple accounts for TN CHILD SUPPORT ACCOUNT NUMBER XXXX TN CHILD SUPPORT ACCOUNT NUMBER XXXX TN DEPT OF HUMAN SVCS CS

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 2023-10-03
Company: Resurgent Capital Services L.P.
State: IL
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:
To whom it may concern, I XXXX XXXX have been a victim of identity theft and fraud, as a result of erroneous incorrect information I have suffered a financial loss significantly. I have tried contacting all of these creditors to provide information or validation and I have never received any supportive documentation that proves I am liable or consented to any service or good these companies offer. Please remove this incorrect information from my credit report. 


The following account is not mine LVNV FUNDING LLC Account Number : XXXX Amount : {$650.00} Date : XXXX Please remove this inaccurate information from my credit report. 

The following account is not mine XXXX XXXX XXXX Account Number : XXXX Amount : {$560.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The following account is not mine XXXX XXXX Account Number : XXXX Amount : {$1200.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Amount : {$200.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The following account is not mine XXXX XXXXXXXX Account Number : XXXX Amount : {$1100.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The following account is not mine XXXX XXXX XXXXXXXX Account Number : XXXX Amount : {$8300.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The following account is not mine XXXX XXXX XXXX Account Number : XXXX Amount : {$0.00} Date : XX/XX/XXXX Please remove it from my credit report. 
The following account is not mine XXXX XXXX Account Number : XXXX Amount : {$0.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Prince Parker & Associates
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The issue related to this fraudulent debt claim is a direct result of XXXX XXXX XXXX billing us for services after we had already terminated our service within the XXXX grace period after signing up on XX/XX/XXXX. We only had the service for XXXX, yet XXXX & XXXX still attempted to bill for services we did not receive because our account had been terminated. 

We spent countless hours and trips to the local XXXX XXXX XXXX store attempting to resolve the issue until finally he we were able to get the issue resolved with the local XXXX XXXX. XXXX XXXX XXXX issued a credit adjustment to the account, and we paid the remaining final balance the same day in the store on XX/XX/XXXX. See attached Exhibit 3. Prince Parkers Debt Collection Letter was preemptive and unwarranted. Enclosed with this letter are copies of supporting documents that the debt was pending resolution with XXXX XXXX XXXX and has since been resolved. 

Supporting Documents : Exhibit XXXX : XXXX XXXX XXXX Final Bill Disputed in Store ( XX/XX/XXXX XXXX ) Exhibit XXXX : Prince Parker Debt Collection Letter ( XX/XX/XXXX ) Exhibit XXXX : XXXX XXXX XXXX Adjustment Made and Payment Paid in Store ( XX/XX/XXXX ) Exhibit XXXX : XXXX XXXX XXXX  Final Adjusted Bill Sent ( XX/XX/XXXX ) Exhibit XXXX : XXXX XXXX XXXX  Final Letter After Payment Made ( XX/XX/XXXX ) XXXX XXXX XXXX made a credit adjustment of {$270.00}, which was issued on the account. Afterwards, XXXX XXXX XXXX paid the remaining difference of {$150.00}. The account is now deemed paid-in-full effective XX/XX/XXXX. We request that Prince Parker cease all debt collection activities for this account because it would be deemed unlawful to proceed further. 

We also request that Prince Parker and XXXX XXXX XXXX do not report any negative credit claims against XXXX XXXX XXXX to any Credit Bureau since this issue was resolved back in XXXX XXXX days after Prince Parker sent the Debt Collection Notice and that letter was preemptive and unnecessary. 

We received a debt collection call on XX/XX/XXXX after sending a dispute letter to Prince Parker. We informed them that the debt was not owed and sent email communication to their customer service email with electronic copies of the dispute letter with all exhibits. We recently received another Debt Collection Letter dated XX/XX/XXXX of XXXX from Prince Parker even after we spoke to them and told them the debt was not owed and sent email confirmation to confirm with evidence. 

We want the debt collection to stop and to not have negative reporting to the company 's credit report due to their fraudulent behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Ive been in communications with ( XXXX, XXXX or Experian ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, XXXX or Experian ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information ; Address : 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 My only date of birth is XXXX You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank 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 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : 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 explanation
Consumer complaint received 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2023-10-03
Company: Kikoff Inc.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNIT XXXX XXXX GA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX XXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearty states that 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 acsount without my written instructions.

15 U.S.C 16668 : A creditor may not treat a payment on a credit card account under an open-end consumer eredit plan as late for any purpose. 
Remove these late payment and upcate this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Affirm Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I went to XXXX XXXX in XXXX NY. I tried to purchase a trailer ( SKU XXXX ) with a virtual credit card from Affirm Financial When the store tried to run the card it said the card was declined/ not enough funds. So the purchase was declined. I never purchased the trailer. Affirm is still trying to make me pay for this transaction that I never received. I have asked Affirm to cancel this transaction for me and they continue to say that this transaction can't be cancelled because it shows processing through XXXX XXXX but the purchase never went through it was DECLINED. Affirm is making me pay for something that I never received because there card did not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: ALLY FINANCIAL INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had run my credit report and I found out that I had a debt collection reported on my credit by seeing this I had send them letters explaining this debts is not correct that this debt was taken care when I had purchase another car and the lender had taken care of the debt prior to purchase a new car after which is already more that 6 years never had any information on this matter. So when I saw this I deiced to write a letter to them and to the bureaus which I also send a copy of the letters of respond by Ally on XX/XX/2020 I had send a registered certified mail to let them know what is this ( see attached document ) On XXXX XXXX Ally had respond me stating that they could not find any information regarding this account and they need more information from me which some of it I do not have since I do not have the car and the other information they have it on records since i am receiving respond from them and if I am in collection they should have all this information on file ( see attached respond ) On XXXX XXXX I send them a respond to there letter and I have not heard anything else. 
On the same dates as I send the above letter I also send the same documentation to XXXX  to see if any of them can correct this mistake

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 2023-04-11
Company: AXOS FINANCIAL, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023, Axos Bank fraudulently with no prior authorization from me withdrew money from my other bank account that is connected to Axos account. Axos withdrew twice both consisting of {$100.00} which brought the account they took from into a negative balance. 

When reaching out to them they said {$100.00} did get transfered but the other {$100.00} withdrawal was reversed. However I never received that {$100.00} in my account they fraudulently withdrew from. Ive spoken to Axos several times and they keep telling me someone will call me back but no one ever does. 

Axos Bank fraudulently withdrew and stole {$100.00} from another of my connected accounts and leaves me with no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
As of XX/XX/2022, Ive been a victim of Identity Theft. Even though I have taken all actions to prevent this person to continue harassing my finances by using credit locks on all 3 Credit bureaus as well as changing my bank information and getting new cards, regardless as of XXXX  XX/XX/XXXX. This individual has been able to access my bank account and withdrew {$500.00} going to a teller in person, handing a scannable and verifiable Fake ID with his face and my info, and has been approved to cash out money from my account by using the fake id and my social security number. 

On XX/XX/XXXX, this individual purchased a {$2500.00} worth of equipment in BEST BUY using my credentials and impersonating me. He tried going to the bank again and the bank notified me due to a security freeze I placed on the account. 

The person is also actively going toXXXX carrier stores with this fake ID and my social to try lock me out of my account and swap sim phone number from my phone to his so he can verify my 2-factor authentication on all my private accounts. I am taking preventive measures and changing my phone but this person still has my social security for the rest of his life

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 2023-02-17
Company: Experian Information Solutions 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:
On my Experian Credit Report there are XXXX fraudulent accounts reporting. I have been disputing these fraudulent account for years now. I have sent in all supporting documentation to prove that these accounts do not belong to me at all. Police reports, FTC reports, address verification. Still to this date these accounts are still reporting and t the credit bureau is refusing to assist me in this matter. I recently filed a complaint with this agency and the credit bureau Experian responded and informed me out what to send it to have these accounts blocked and removed. I have submitted the information and they still have yet to remove these accounts from reporting.

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 2018-12-28
Company: U.S. BANCORP
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XX/XX/2018, Fidelity Investment risk department flagged my account and froze all securities and revoked my trading etc.. Gave ultimatum which caused me to move most of my securities ( the ones they were willing to accept ) to another firm. 

I have emailed the CEO, FINRA, SEC and the issue still has not been resolved. Per Fidelity they are not required to disclose why my account was flagged by risk management. 

This has resulted in several customer service issues because by Fidelity doing this I have to engage them for simple request and they are not willing to help/leave the matter unresolved due to my account being flagged by their risk department and whatever notes they have documented. 

XX/XX/18-reward redemption {$54.00}, requested and returned due to Fidelity not allowing the funds to be deposited. 

XX/XX/18-reward redemption {$54.00}, requested and returned due to Fidelity not allowing the funds to be deposited. 

I have also contacted the Fidelity Investments credit card department and they advised I have to contact, which leads to a run around and my issues not being resolved. The issue is tat I can't have my rewards point redeemed on my Fidelity account, which is they was it's setup by Fidelity by design. Other options to redeem include gift cards etc which are 50 % less. I should not have to take a 50 % rewards redemption loss due to this customer service nightmare has created. Fidelity investment is not following what they advertised and are intetailly making this small issue huge. Please help.

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 2023-10-16
Company: EQUIFAX, INC.
State: MS
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'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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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
Consumer complaint received 2020-04-30
Company: Midwest Recovery Systems
State: SC
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:
I had an old account with XXXX XXXX XXXX and Mid West Recovery Systems. I contacted both of the agencies and settled to pay my bills in full. I asked that a letter stating I paid in full be sent to me and that the item be cleared from all three credit bureaus. It has been weeks now and it's still there. I held up to my part and I would like them to do the same and remove the item IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Maximus Education, LLC dba Aidvantage
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
According to the Dept. of Ed., based on the date I applied for SAVE my application ought to have been processed by now, and I should have a $ XXXX. payment. Aidvantage placed my account on administrative forbearance until XX/XX/XXXX to allow them time to process my IDR application, which Aidvantage claimed would be processed between XXXX XXXX, and a borrower incentive program suspension notice, meaning not only is interest accruing, but it's a much higher rate than before the forbearance in part because I lose the little interest reduction I got for using Auto Pay. I tried to make a manual payment to at least cover some of the interest, but instead get a 403 error. Since I started in XXXX I haven't been able to get in contract with an agent on phone or Live Chat ( both are equally as awful -- hours of being on hold only to be hung up/disconnected, and when I'm given an option for a call back I never get one ), and it takes anywhere between one and three weeks to get a response via email, which is just a blanket forum reply that doesn't answer my original concern. As of today, XX/XX/ XXXX XXXX I've been on the phone for over three hours only to have just been hung up on again. Are these loan providers just using this forbearance to keep interests accruing for all us borrowers that should otherwise have a $ XXXX. payment?

Company response to consumer: Closed with explanation