BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: NJ
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:
Dear Experian, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX XXXX. 
I have recently become aware that this account has been reported to your agency in violation of the Metro 2 credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.

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 2021-06-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These arent not mine. They are fraudulent. Please remove as soon as possible. 
-- -- -EQUIFAX XXXX -- XXXX XXXX Inquiry : XXXX XXXX, 2021 XXXX Inquiry : XXXX XXXX, 2021 XXXX XXXX Inquiry : XXXX XXXX, 2021 XXXX XXXX, XXXX Inquiry : XXXX XXXX, 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened an account in order to get an online loan, I got approved but then realized it was a scam and called the bank less then 12 hour of the transaction., No withdrawal had taken place yet and told the bank i though it was a scam and to cancel the transaction and to lock the account completely. They locked the acct and they returned payment as far as I know then I received a substitute check that said to use as if it were the orginal., I thought cool it must of been good so I went and redeposited it they gave me some more money I think {$55.00} and then I never received any information of it not going through or anything. I assumed it was in my acct until today when I seen on my Equifax report a new collections.. for {$100.00}

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 explanation
Consumer complaint received 2019-11-02
Company: Ability Recovery Services, LLC
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 status incorrect

Complaint:
On my credit report it states that i have an outstanding balance of {$2000.00} owing to XXXX University from the time i was enrolled in early XXXX. I have sent them multiple letters and proof showing that the stated amount was paid by my financial aid and yet they still refuse to fix my credit report and every time i dispute it they confirm that it is correct .Ability Recovery Services, LLC XXXX Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; Creditor Class Educational ; Client XXXX University XXXX Amount {$2000.00} ; Status as of XX/XX/XXXX Unpaid ; Date of 1st Delinquency XX/XX/XXXX ; Balance as of XX/XX/XXXX {$2000.00} ; Individual Account ; Account # XXXX ; Address : XXXX XXXX XXXX XXXX , XXXX XXXX PA XXXX : ( XXXX ) XXXX Department of Education XXXX XXXX XXXX XXXX TX XXXX : ( XXXX ) XXXX Balance {$2100.00} Amount {$2100.00} Items As of XX/XX/XXXX Date Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  {$2100.00} XX/XX/XXXX XX/XX/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 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 1989, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 Anv other adverse item of intormation. other than records of convIctions of crimes which antedates the report by more than seven years.

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

Company 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 2018-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
complaint XXXX about TRANSUNION - the company is responding never received previously disputed inaccurate information complaints- on several occasions disputed items have been mailed out and sent electronically XXXX - is reporting inaccurate information and has been previously notified. The company refuses to remove the inaccurate information sending response that claims have been verified as accurate. XXXX is reporting old/inaccurate information

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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I went to apply for a family vehicle and the dealership at XXXX XXXX stated that I had over 22 hard inquires on my credit report and was unable to approve me for a car loan. 
XXXX XXXXXXXX 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 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. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-06-17
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2021-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hi, There is a few hard inquiries on my Transunion report that I didn't authorize. 
The banks and Transunion refused to cooperate to remove the hard inquiries. 
XXXX  and XXXX  helped me with these issues and have removed all the fraudulent hard inquiries. 
I would like to remove these inquiries : XXXX XXXX - XX/XX/2020 XXXX - XX/XX/2020 XXXX - XX/XX/2020 XXXX - XX/XX/2020 XXXX - XX/XX/2020 Thank you, 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 2020-07-31
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My law office has received repeated robocalls from Navient Solutions , LLC, The Caller ID is XXXX XXXX XXXX XXXX. 

When I called Navient at that number this morning, they were unable to locate a file associated with the number they are calling, XXXX XXXX XXXX XXXX, which is a XXXX XXXX XXXX number assigned to this office. Each call costs us more than a XXXX dollars. 

We received robocalls from Navient on Wednesday, XX/XX/2020 at XXXX XXXX and XXXX XXXX, and on Friday, XX/XX/2020 at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
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:
After receiving a copy of my credit report, I have found certain information that should be excluded outlined in 15 U.S. Code 1681a ( 2 ) ( A ), ( B ) and ( C ). I believe that any information about a transaction or experience with companies, can not be include on a consumer report and must be removed. 

XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX account # XXXX XXXXXXXX XXXX XXXX account # XXXX Under the Gramm-Leach Bliley Act, the consumer must be given the chance to direct whether they want the information about a particular transaction to be reported or not. This is referenced in 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ). Furnishing any information on my credit profile without my permission, constitutes as identity theft and is a violation of 15 U.S. Code 1681b ( a ) ( 2 ) and 15 U.S. Code 1681b ( a ) 3 ( f ) ( i ). Also not maintaining a joint notification system amongst all consumer reporting agencies is also in violation of 15 U.S. Code 1681b ( e ) ( 6 ). 

Failure to respond satisfactorily with the removal of the above referenced accounts, and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for willful noncompliance which I will be seeking {$1000.00} per violation for : Defamation of Character, Negligent Enablement of Identity Fraud, Fair Debt Collections Practices Act 15 USC 1692g violations. Reminder under 15 U.S. Code 1681o you must comply with my instructions within 5 days. Additionally, continuing to show the information on the consumer report is a direct violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) of FCRA.

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 2019-04-17
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I deposited {$260.00} cash in an ATM machine at Citibank on XXXX XXXX, XXXX XXXX, CA. The machine ejected {$40.00} and then stated it could not complete the transaction and that I could get the rest of my money back ( {$220.00} ). 

I talked with a manager named XXXX who said that Citibank would open a case and review the situaton. I asked for the {$220.00} to be returned to me and she said the bank could not do that. She also said that the review would take 5 - 7 business days. She also said she would contact later that day with an upate. 

It is now 8 business days since the transaction occurred and neither the manager, nor anyone else from Citibank has contacted me. And I am still missing {$220.00} from my account. 

I think it is very unfair that, because of an issue created by Citibank, I am made to feel like I am not to be trusted and I am still waiting for a legitimate deposit to be verified. Even now, if the money was placed in my account, I am still upset it has taken this long.

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 2019-11-02
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:
{$760.00} was taken from my account in two transactions ( {$380.00} x2 ) by a man named XXXX XXXX. He claimed to be selling concert tickets through a ticket exchange site on XXXX and used XXXX for the transaction. He sent another person 's driver 's license photo and e-mail confirmation as his own without that person 's knowledge to act like the tickets were real. The amount is currently still processing in my account, but I would like to try every step possible to make sure these amounts don't go through. This occurred on XX/XX/19 XXXX and XXXX PST ( two separate transaction times ).

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 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  XXXX purchased XXXX bank in XXXX of XXXX. I had a Covid extension with XXXX in XXXX. I paid the account in full before the XXXX hardship was to expire, XXXX did not report my account as late to the credit reporting bureaus. After XXXX  purchased, the 30-day XX/XX/XXXX late payment was reported to all three credit bureaus, I have disputed the validity of this late payment with all three credit reporting bureaus and to XXXX  directly XXXX I went up the chain of command within XXXX with no resolution. I have asked for all records from my account with XXXX including the hardship deferment during XXXX. Still, nothing has been provided to me except to tell me over the phone that their investigation showed the reporting of the late payment was accurate. No proof of this late payment or any agreements I had with XXXX. XXXX is reporting on an account that XXXX did not own at the time of reporting. The original creditor at the time, XXXX, did not report me late for XXXX of 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 2019-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I used my Bank of America debit card to withdraw cash from my checking account at a non Bank of America ATM machine on XX/XX/2019. Before dispensing the cash there was a message on the screen reading, " there will be a {$4.00} fee deducted from your account for this transaction, if you wish to continue press yes '' so I agreed to the {$4.00} transaction fee and continued with my withdraw. A few days later, when I looked at my checking account transactions online I noticed that Bank of America has charged me 2 other fees in the amount of {$2.00} each totally {$5.00} for each withdraw. 
I had made a total of 5 withdraws on that date so there were 10 charges on my account for {$2.00} each totaling {$25.00}. When I called the bank, the representative told me that there's a {$2.00} fee to put your debit card inside the machine and another {$2.00} fee to take it out!! Unfortunately the fee I had agreed to was the {$4.00} that was on the screen but in reality I was charged {$9.00} per withdraw. I asked the agent to please reverse these fees since I only agreed to the {$4.00} and had I known it was really {$9.00} I wouldn't have taken money out or gone to the bank 's ATM. She only reversed 2 of them. so I ended up paying {$40.00} in fees to make five withdraws from my checking account.

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 2023-05-19
Company: U.S. BANCORP
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
used my XXXX  at atm n it took my card n shredded it. why would it take my card that I've used at other atms, Us bank atms, along with others, it has never did that, I wasn't even allowed to process anything. just took my card, n I'm very upset. this card CAN not be replaced right away. I have to order a card. now I have no access to my funds. WHY WOULD YOUR ATM DO THIS? IF IT DOES NOT RECOGNIZE A CARD WHY DONT THE MACHINES REJECT THE CARDS " NOT SHREAD ''. How is this even legal. Your ATM TOOK MY CARD AND CUT IT UP. WHY? BECAUSE IT COULDN'T READ IT?

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 2023-05-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Not able to access my credit report, score or profile. When trying to access I get error message saying Please give us a call and give this code to the Agent : BLNK Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at XXXX ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: AES/PHEAA
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX incorrectly reported me 90 days late to all 3 credit agencies. I was never late, as I had applied for a forebearance, and they never processed the application. Later, I refiled the forebearance request, and it was processed 90 days late. I complained to the company by both letter and email, and they sent me a generic response saying they weren't going to do anything for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. CHAPTER XXXX BANKRUPTCY- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX  XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX  on XX/XX/XXXX 3. XXXX on XX/XX/XXXX 4. XXXX  on XX/XX/XXXX 5. XXXX on XX/XX/XXXX 6. US SM BUS ADMIN ODA on XX/XX/XXXX 7. XXXX  on XX/XX/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