BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
SinceXX/XX/XXXX I have tried to have a security freeze removed from my TransUnion credit profile. I initially called them onXX/XX/XXXX and they were not able to identify me because my name didnt match their records. However, I escalated to a supervisor who was able to validate me. I was told a pin would be mailed to me in 7 business days. I waited several months and no security freeze letter was received. On XX/XX/, I repeated this process and once again was told a letter was going to be mailed, none was received. I repeated this process every month while also supplying letters demanding the security freeze to be removed. My last interaction was on Thursday, XX/XX/XXXX 

Transunion is in clear violation for failure to respond and holding my credit profile hostage. 
Ive leaned that they have a name in my profile that doesnt match my drivers license, social security card, my passport, or birth certificate. 

Im demanding action to force Transunion to comply and correct my 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 2023-04-29
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please refer to the letter that was sent to this company on XX/XX/2023 and the other attached evidence that proves this company has violated my rights as a federally protected consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Affirm 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
on XX/XX/XXXX I was attempting to purchase a shed on line the only way to pay is through Affirm. I had to get pre-approval from Affirm and did so then I was returned to the website only to find that the item is not available any longer, so no sale... next day I received several Emails from Affirm offering a credit line, credit card and also a reminder of first payment due. I called to find out if they were not made aware that there was no sale. Since then I have conferred with them on their on line chat box and on phone at least 8 times not being able to contact anyone looking into the matter. I have been told there is no other phone or E mail to contact the safety or investigation div. I must wait for them to contact me by E mail with their Findings in 30 days from XX/XX/XXXX? which is the day that they say was their first contact with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I DO NOT ACKNOWLEDGE THESE INQUIRIES 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 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX, and I am writing this statement on my behalf. I am a victim of identity theft. The items listed on my report were opened fraudulently, and I request that they all be removed immediately. The accounts are listed in this report and attached to my statement. 
Accounts to be removed : 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 explanation
Consumer complaint received 2019-08-26
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX and Equifax have not removed fraudulent inquiries from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: C/C Financial
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:
Date : XXXX Amount : {$4900.00} Preferred Lease made a fraudulent account under my name! 
Action : I received a XXXX police report stating that my identity has been compromised! 
I also filed a identity theft report with FTC. I freeze all my credit bureau accounts. However, XXXX  has not removed the fraudulent account from Preferred Lease. All because Preferred Lease made a fraudulent account under my name!!

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 2018-03-01
Company: The Phoenix Recovery Group
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received a notice of a debt collection from Phoenix Recovery Group. The notice doesn't have my correct name, but a name very close to mine. So I thought it may be a mistaken identity or a identity theft. therefore, I have filled an identity theft through the FTC website and send them a formal letter informing them of their obligation to send me all the necessary documents related to this case. Since I haven't received a reply to my letter, I tried to contact the collector by phone to get the paper work related to the case so I can understand the charges or the services that reflect the debt. 
Every time I try to contact the debt collector, they transfer my call to an answering machine and no one calls me back. It is frustrating and time consuming. 
Also, every time I talk to the receptionist, she takes my social security and date of birth then a recording tells me that this information can be used in the case against me. 
The debt collector has contacted the credit bureau of XXXX XXXX and XXXX even with my repeated requests that they should not do that while I am disputing this information. SO I had to lunch a dispute with all credit Bureaus. 
The notice of Debt contains the original creditors ( XXXX XXXX XXXX ). I tried to contact them but they were unresponsive and the management has never contacted me back. I may have left at least 5 messages. Again, I have told the receptionist of the management obligation to contact me and provide me with information on what the charges is about. All I got is that this charge reflect time spend on their apartment complex at XXXX NC. I am a resident of Virginia and I have never lived on those apartments nor I had any dealings with XXXX XXXX XXXX company. I have filed a police report with XXXX XXXX and I am waiting for their response. Last time I talked to XXXX police, they told me that this may take some time since they have a backlog due to the recent data breaches from XXXX   and others. 
I strongly think that both companies ( Phoenix Recovery Group ) and ( XXXX XXXX XXXX ) have mishandled my information and exchanged my Personal Identification Information improperly. They did not do their due diligence of allocating the correct person responsible for this charge and they have used improper tactics of sending this collection to the credit bureau to pressure me to accept the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I had purchased a vehicle from XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX. The contract was for me to pay biweekly on the car loan which was to call in and make a payment on the scheduled date. If I'm late they would also call me for a reminder to make a payment. I started to notices transactions I wasn't making on my credit card around XX/XX/2020 so I contacted BANK OF AMERICA and informed them and they offered to cancel the card, send a new one and refund me for the purchases that I didn't make. A few weeks past and it happens again, a purchase made on my card that I didn't make, I contact bank of America and they will send me to there claim department and I would have to wait on there phone line for HOURS to reach an agent and no one would answer the phone line. I have been trying to reach them for weeks regarding these purchases and still NOTHING. I had canceled my card and got a new one and random purchase would still continue to happen on my account. I canceled my card about 5 different times. I have not been able to reach the BANK OF AMERICA claim department after the agent would verify my account. I got so angry and fed up I seek out to try to find the person who was responsible for these random purchases. So I started to contact the stores these purchases were being made at. They gave me the name of a person that works for XXXX XXXX XXXX. This is the same person who has been taking my car payment over the phone. I quickly filled out a police report on their employee and XXXX because I trusted XXXX XXXX with all my personal information. This person called me and told me her information was hacked by someone in her family and they somehow got my personal information which is completely unbelievable because I thought I was doing business with only XXXXXXXX XXXX XXXX After finding out my personal information was so exposed to anyone to get ahold of I started to reach out for help. I really want to stop doing business with XXXX because I'm super afraid of who has my personal information now, I would like to return the vehicle and receive a refund because this has destroyed my confidence and trust of knowing my information would be safe. They had put me in so much debt and trouble by me having to invest so much time in trying to get help and still BANK OF AMERICA have not refunded me. XXXX and their employee have stolen {$3800.00} of unauthorized purchases made on my BANK OF AMERICA CREDIT CARD.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
Ive spent XXXX on and engine from XXXX XXXX. They told me the engine was in perfect condition so I buy it and have a shop put it in, not a day later it overheats due to bad water pump and wiring so I call the lady who sold me the engine and she claims that then engine had a bad water pump AFTER I already brought it so I I ask her why didnt she tell me the problems with the engine before I brought it I couldve took my money somewhere else and she went silent. Then tells me that they will send someone out to check for the warranty. Ive waited WEEKS for the guy to come just to tell me theirs nothing they can do and he tells me the water pump is bad, uh obviously you guys sold me a bad engine. So I submitted a claim with boa for a refund and they told me it will take 3 months finish case. Its Been 175 days and counting! My bills are past due and I can only wait for so long all cause I got scammed for an engine they told me was perfect

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 2022-06-12
Company: Experian Information Solutions Inc.
State: FL
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 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 an account without my written instructions.

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 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There are several account on alleged credit report. All debt was satisfied with primary notes. According to report the student loan debt continues to be brought by other companies ( credit transfers ) These securities continue to be created repeatedly. This is an/are illegal transitions. Please see 28 USC subsection 3002. This information is false and misleading ( 15 USC Code 1692 ( c ). The fair credit reporting Act subsection 609 disclosures to consumers : ( c ) ( 2 ) ( E ) : states A consumer reporting agency is not required to remove accurate derogatory information form a consumers file, unless the information is outdated under section 605 or can not be varied. There a incorrect address and two SS # on this one account. Also 15 USC Code in its entirety applies to this issue. ( Damaged as per 1692 K ( a ) ( 1 ). ( The transferring of any instrument is a crime : Please also refer to title 16 CFR I ( federal trade commission ) ... in it's entirety. On all credit report from Transunion, XXXX and others that the information is over 10 years old. The report relax other information that is incorrect such as address that were obtained through other reporting agencies. My dispute letter are ignored and never answer. A law suit will be filed and along with exabits and further explanation including information on trade via the SEC.

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 2020-10-30
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
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 2023-10-31
Company: EQUIFAX, INC.
State: TX
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 sincerely beseech you to promptly take decisive action to eliminate the fraudulent Accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 Capital one Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: WELLS FARGO & COMPANY
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My husband and I purchased a used RV in XX/XX/XXXX. The amount financed was {$64.00} XXXX @ 8 % interest with monthly payments of {$580.00}. Unthil last year we have paid approxamitely {$90.00} XXXX. This loan should have been cleared long ago as 8 % interest on {$64000.00} is roughly {$7000.00} making the sum of {$69000.00}. The bank Wells Fargo claims we still owe {$22000.00}. They are trying to reposses the RV.

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 2021-03-30
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
IC Systems appeared on my credit report from XXXX for {$2400.00}. I called XXXX to get and a break down explaining how I owe them this amount and they refused to provide me any information and instructed me to call IC Systems. I called them and they also could not provide me with a breakdown besides saying it was for equipment. I asked them what equipment was listed and they stated it was two phones. In 2019 I had only one phone with XXXX for two years and a digit line and the phone was paid off. The representatives could not give me any other explanation but stated they will do an investigation and for me to call back in a week. I called back multiple weeks without results or validation of the debt. I filed a dispute with the credit bureaus and they only updated the information and after speaking with an agent they stated nothing was submitted to validate the information but just updated it and instructed me to file a complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
To whom it may concern I sent a letter into transunion to delete inaccurate information from my consumer profile, as well as ensuring that only true, accurate and complete information is being reported in my profile. Transunion responded to me with a letter stating they did not believe I sent the letter or an authorized third party, upon sending the letter I included a copy of my drivers license and my social security card to serve as verification as well as proof of address. Transunion after being notified of the inaccurate information on my consumer profile are not taking steps to delete and correct the information, and knowingly and willfully continuing to report 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 non-monetary relief