BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts.

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 2022-12-04
Company: PNC Bank N.A.
State: MD
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:
Im writing to dispute information on my credit report. 
This information, in my credit inquiries from this companies : XXXX XXXX XXXX, inquired on XXXX XXXX PNC BANK , inquired on XXXX ; XXXX, inquired on XXXX ; XXXX XXXX XXXXXXXX, inquired on XXXX ; XXXX XXXXXXXX XXXX, inquired on XXXX ; XXXXE, inquired on XXXX ; XXXX XXXX XXXX XXXX inquired on XXXX ; XXXX XXXX, inquired on XXXX ; XXXX XXXX XXXX, inquired on XXXX ; XXXX XXXX inquired on XXXX ; PNC BANK, inquired on XXXX XXXX XXXX XXXX, inquired on XXXX ; XXXX XXXX, inquired on XXXX ; XXXX XXXX, inquired on XXXX ; XXXX XXXX XXXX, inquired on XXXX ; PNC BANK, inquired on XXXX XXXX XXXX XXXX XXXX, inquired on XXXX XXXX XXXX XXXX XXXX, inquired on XXXXXXXX XXXX XXXX XXXX XXXXXXXX, inquired on XXXX ; XXXX XXXX, inquired on XXXX ; XXXX is inaccurate because I did not request credit with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX and XXXX ( Original Creditor : XXXX XXXX ) XXXX. 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. 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 XXXX 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 2019-06-11
Company: Navient Solutions, LLC.
State: MA
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:
In XX/XX/XXXX I consolidated my student loans based on Navient 's recommendation in order to take advantage of the Student Loan Forgiveness Program. I have worked for Non-Profit Organizations full-time since XX/XX/XXXX. I was just told recently that I am not in the program. I was under the assumption that I was already 6 years into the 10 year repayment term for loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: DISCOVER BANK
State: CT
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:
On XX/XX/XXXX, I bought a new XXXX on the XXXX website for my best friend 's birthday gift. However, I think the package was lost. More importantly, XXXX never asked me for a signature, so I didn't sign for this package, which may be just be put there and someone took it directly. I contact XXXX for a week and no one wants to responsible for this. Then, I asked my bank, Discover, to hold the money. I hope to give me some time to investigate. Last month, my dispute was failed because XXXX had proof of delivery. The fact is I didn't sign! On the day of the delivery, I never got a call or email to ask me for a signature. I tried to contact XXXX and Discover these days, but they are beginning to pass the buck to each other. I really need an answer to this. I am helpless. I don't know how to prove that I didn't sign for the package. And I indeed searched for everywhere of the building. It's been almost 2 months ... Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: REGIONS FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
I XXXX XXXX XXXX XXXX XXXX They use a prepaid debit card through Comdata XXXX The Fee schedule included with the card under the 'Get money ' heading states that a bank teller withdrawal with the mastercard network is a {$0.00} no fee transaction. 
My bank XXXX XXXX XXXX attempted this for the amount on my card of {$350.00} and was declined. 
I contacted Comdata customer service on XX/XX/2023 and spoke with a representative. They told me that XXXX chose to not allow that function. A withdrawal at an 'XXXX  XXXX network ATM would be the lowest fee transaction. 
I asked for a supervisor to clarify this for me. 
The second person I spoke with also claimed that XXXX has denied that transaction option and there is no way to withdraw my money without a fee. 
I asked for another supervisor or their legal department to clarify this statement. 
Then I was put on hold for 30 minutes, at which point I chose to disconnect.

1. This means I can not get my money without a fee.

2. The fee schedule with my card ( And any other users with the same card ) is false. 

I then contacted XXXX XXXX XXXX XXXX XXXX as the 'existing " XXXX  option did not allow me to contact a representative. 
The rep was nice, and told me that information is available from the card issuer. 
I explained what the card issuer told me, and he offered to submit a case with the corporate office for XXXX. 
As of this writing I have not received any more communication from 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 monetary relief
Consumer complaint received 2023-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
I contacted all three credit bureaus about Capital One accounts showing on my credit report and I got verification that those two credit cards were to be removed because they were found to be fraudulent and I am not held responsible. I got documentation from Capital One in the mail XX/XX/XXXX and even though it says those accounts were removed from my credit history they still show up as hard inquiries in my credit report and I would like to have those hard inquiries removed and so far they have yet to do that. 
Also XXXX XXXX is on my credit report stating that I owe them more than {$2000.00} and I have already spoken with them and they are currently waiting on a police report which I will be picking up XX/XX/XXXX from the XXXX XXXX XXXX XXXX XXXX I filed bankruptcy in XXXX and I should not have any credit cards or loans appearing in my credit history nor should I have hard inquiries for these. Also my name has not been XXXX for quite some time my last name is XXXX. As for XXXX XXXX they had my address age and income wrong. I have not worked for more than a year because I filed a XXXX claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Coinbase, Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have opened an account with Coinbase on XXXX the XXXX,XX/XX/XXXX. At that occasion and for a couple of days I had full access to my account, which includes a second-step verification code sent by my phone. I bought currency, which I assume they have on " my wallet ''. I have the same phone and it works just fine. 
On XXXX the XXXX, when I tried to log into my account, the system confirmed having sent the code but the code never appeared on my phone. I tried it at least ten times before filing a ticket with customer service. 
XXXX never got back to me. There is a phone number to call but I made it crystal clear that I can not speak on the phone because I have hyperacusis : the phone background noise causes extreme pain. They must, according to the American Disability Act, contact me in written form. 
I tried contacting them through their social media ( XXXX and XX/XX/XXXX) then. They ignored my complaint. 
They have my money, they locked me out of my account and they refuse to solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : CAPITAL ONE 6 LATE PAYMENTS Credit usage 100 % Balance {$340.00} Balance updated XXXX XXXX, XXXX Credit limit {$300.00} Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit card Status Open. Status updated XX/XX/XXXX Highest balance $ XXXX Monthly payment {$25.00} Last payment date XXXX XXXX, XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX THE DATE OPENED DATE CLOSED AND LAST PAYMENT IS IN ACCURATE ON THE 3 CREDIT BUREAS AND ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL ... SINCE THIS IS A FRAUD DUE TO IDENTITY THEFT THIS BE REMOVED FROM CREDIT PROFILE AND CONSUMERS REPORT 4 BUSINESS DAYS FROM RECEIPT RESPONSE DISPUTE DISPUTE RESPONSE! 
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CONSUMERS REPORT AND CREDIT PROFILE AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CONSUMERS REPORT AND CREDIT PROFILE It is now XX/XX/XXXX 15 U.S. C ode 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 results from an alleged identity theft Shall be removed from the consumers report 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 identit theft!! Please delete these items as soon as possible!

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 und 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 consume I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: EQUIFAX, INC.
State: TN
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 XXXX XXXX all accounts were last paid in XX/XX/XXXX. Shown on my credit report as XX/XX/XXXX but 2 of the 3 accounts are still on my report. All 3 should have been removed as they are more then 7 yrs old like XXXX and XXXX has removed them. XXXX XXXX XXXX needs to be removed as its not mine. When I tried to contact that company for more information, I received the letter back by the USPS as unable to deliver or forward on XX/XX/XXXX. So I would like to know how Equifax was able to verify it. XXXX XXXX XXXX has never responded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX, XXXX  Transunion and XXXX  doesnt have permission to report on my credit report the information inaccurate and I requested it to be removed Bankruptcy Court doesnt report to these companies however the searches for public reporting and they add information to my credit report third party billing company

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 2021-04-12
Company: EQUIFAX, INC.
State: GA
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:
I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Select Management Resources, LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
The original complaint is XXXX about XXXX XXXX XXXX, XXXX..You may look there for reference. You will that the company offered a settlement of {$3000.00} for 5 months at {$600.00} per month beginning tomorrow. I was told by their attorney that I would be receiving a document with the terms outlined and she wanted me to sign it and send it back. I have waited at least 3 weeks or so for the document. It never arrived. Therefore I am taking this as the company pulling it 's settlement offer. Which is fine, I am now placing a new settlement. This is not an offer. I gave them the opportunity and responded by toying with me. I will not be a part of such a farce. I will draw up my own non-negotiable settlement and send it to the company. I will pay {$2800.00} on or before XXXX XXXX XXXX. PERIOD! Any and all collections attempts will cease immediately, if not I will begin the Administrative Procedure starting with an XXXX. This is not up for negotiation, I was not given any warning of their change of plan. This is what it will be. Period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13
Company: EQUIFAX, INC.
State: MI
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 had left XXXX XXXX on XX/XX/2018, I had no contract with them and actually paid in advance for services ( cell phone ). I ended my services with them on XX/XX/2018, and received their final bill on XX/XX/2018, ( USPS ) which shows a credit balance, however, I never received the credit but no matter, I attached a copy of the last bill they sent in XXXX as well as an invoice with my new provider I was done with this company, a had to call a number of times, wait times longer than an hour, I just had enough, if you check your records they were actually sued for invoicing problems over billing! I have sent a record of the final bill I received from XXXX XXXX on XX/XX/2018, and the bill from my new provider that took over my services from the same day I ended from XXXX XX/XX/2018, why in the XXXX are we still arguing about this? I did my part and if you have a problem in believing me why don't you google their complaints online, that in itself should end this agony I have been dealing with since 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is from Synerprise Consulting Services, the original creditor XXXX XXXX. I have no knowledge of owing this amount of money ( {$450.00} ). I was not made known of this debt, and in regards to XXXX XXXX, there should be no outside lab contacting me. I was made verbally known by my doctor 's office over a year ago ( I don't have specific dates because I'm just as in the dark about this! ), " Not to worry, our office manager went over your insurance and you won't owe anything out of pocket ''. So putting two and two together, I'm assuming this is where it is coming from. Either way, I had NO idea about this, or even if it's actually mine ( as I'm having to only assume ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The late payments on my student loans are incorrectly reported for XX/XX/2019. XXXXXXXX XXXX and XXXXXXXX XXXX are not my accounts. I've already tried to dispute it with the company and creditors. I've filed a police report and sent in requested documents.

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