BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-11
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My XXXX ( XXXX ) Account number for Internet services is XXXX. I was paying my all outstanding billing payments regulalrly without fail since inception of the account. 
I moved into new home in XXXX XXXX, Florida ( XXXX ) within the same city and requested XXXX  ( XXXX ) in XX/XX/2019 to transfer Internet services to my new home address effective XX/XX/2019 
XXXX ( XXXX ) advised that they do not offer services in XXXX hence I have to perforce terminate the internet contract and will also have to bear penalty charges ( {$80.00} ) for contract termination. 
I advised XXXX ( XXXX ) that contract termation charges being levied are unfair since I am not the one seeking termination but rather mere transfer of internet services. If the service provider is unable to offer services in a particular location within the same city then it is service provider who should bear the terminatiion charges and not me. I spoke to Ms. XXXX of XXXX ( XXXX ) on XX/XX/2019 at contact number XXXX which is XXXX Movers Department number, and requested for transfer of services. Ms. XXXX gave me ticket numbers XXXX and XXXX. On same day ( XX/XX/2019 ) I called XXXX ( XXXX ) corporate office number XXXX and spoke to Ms XXXX who advised that they are reviweing the request for transfer of services. Since I did not hear further from XXXX, I again called corporate office number on XX/XX/2019 and this time spoke to Mr XXXX who advised that account would have to be cancelled and I will have to bear penalty charges for contract termination. No reference number was given by Mr XXXX despite being asked. Mr XXXX advised that he has documented our conversation. 
Subsequently my account was terminated on XX/XX/2019and XXXX levied {$80.00} as contract termination charges. Subsequently on XX/XX/2019, XXXX  ( XXXX ) transferred my outstanding balance to collection agency AFNI Inc, XXXX XXXX XXXX XXXX, ILXXXX ( XXXX ). Collection agency has since been harrassing me over the phone and I have not received a single letter in writing from collection agency formally advising charge of {$80.00}. I am extremely disappointed that my credit score is being adversely impacted by collections despite my request for transfer of internet services. 
I repeat that I merely asked for transfer of internet services and not cancellation, if XXXX ( XXXX ) cant  provide service at my current residential address than service provider is/was the one which cancelled the contract and accordingly should bear termination charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 aren't my accounts. I am trying to refinance my home for a favorable rate and it's destroying my credit scores.

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 2023-11-09
Company: Maximus Education, LLC dba Aidvantage
State: CA
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:
As that darned commercial promised, I did get a hold of my credit report, and let me tell you, I'm beyond fed up with the glaring inaccuracies I found. It's maddening, to say the least, because I'm a responsible, on-the-dot payer, and I'm not about to let these blunders tarnish my reputation. I'm not in the mood for this nonsense, and I expect you to set things straight, pronto! I'm not here to exchange pleasantries ; I need you to roll up your sleeves and fix this mess pronto, just like your commercials lead me to believe you would. My patience is wearing thin, and I won't stand for these inaccuracies any longer. DEPT OF ED/AIDVANTAGE XXXX. I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
there are 4 accounts that do not belong to me and needs to be remove from MY XXXX credit report also 4 inquries XXXX DATE OPEN : XX/XX/XXXX BALANCE IS {$940.00} 2.XXXX XXXX DATE OPEN : XXXX XXXX BALANCE IS XXXX XXXX. XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX BALANCE XXXX XXXX. XXXX XXXX XXXX : DATE OPEN XXXX XXXX XXXX BALANCE INQURIES 1. XXXX XXXX XXXX XX/XX/XXXX XXXX 2.XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: SYNCHRONY FINANCIAL
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:
While using Amazon I attempted to apply for Amazon XXXX but by mistake it was something associated with synchrony Bank I was not trying to apply for credit as soon as I was alerted on XXXX XXXX  I called directly to synchrony Bank to let them know of what had happened and please to remove that inquiry they said they would do so and it has not yet been done and that was almost three or four months ago.

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 2023-06-08
Company: Alliant Capital Management LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My debt collector contacted one of my family members asking for my exact location. I am over 18 and no longer have any guardianships. They contacted me during work hours and after missing their call, they contact my aunt, who was never listed as a reference anywhere in the loan. Im not sure how they got a hold of my aunts information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: EQUIFAX, INC.
State: MO
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:
XX/XX/XXXX I submitted a disputed referencing the Medical debt forgiveness Act 2022 and that medical debt under {$500.00} would be removed. 

The disputed was submitted and Equifax stated the debt was accurate and was not removed. 

XXXX XXXX XXXX - {$55.00} XXXX XXXX XXXX, XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: Experian Information Solutions 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 information incorrect

Complaint:
After advertising and advising me a debt consolidation loan would payoff outstanding amounts they denied me a loan- That same day we purchased a new vehicle- score XXXX XXXX respectfully. They did NOT take into consideration we were paying and based their loan rejection of evidently erroneous information! See attached!

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 2023-08-11
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: Information belongs to someone else

Complaint:
This Consumer Note is my official call for you to discontinue reporting the items below-displayed and the aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance issues in your current reporting, I demand you prove beyond doubt your claims ( s ). 
This COFF item is deficient as reported, as below-displayed in evidence of uncertified *HRCF12 questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO @ FORMAT compliance since, per XXXX, XXXX  XXXX Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 
I wanted to inform all parties that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financial liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified fraudulent account : 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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Department Transunion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Fraudulent accounts 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 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 2023-03-14
Company: EQUIFAX, INC.
State: MA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Georgia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my credit report, which I recently obtained and found several negative items that are impacting my credit score. I would like to address these issues and request that the following items be either clarified or removed from my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX  Account Number : XXXX, XXXX. XXXX  XXXX Account Number : XXXX, and XXXX. XXXX  XXXX Account Number : XXXX - Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), I am entitled to request verification of these accounts, including the name and number associated with each account. If these accounts can not be verified, they must be removed from my credit report. 

XXXX Date of inquiry : XX/XX/XXXX and XXXX. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX - Pursuant to FCRA 605 ( a ) ( 5 ), inquiries can only remain on my credit report for up to two years from the date of inquiry. As these inquiries have reached the statute of limitations, they must be removed from my credit report. 

XXXX Account Number : XXXX and XXXX. XXXX XXXX Account Number : XXXX - Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), I am entitled to request verification of these accounts, including the name and number associated with each account. If these accounts can not be verified, they must be removed from my credit report. 

XXXX XXXX  Account Number : XXXX - Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), I am entitled to request verification of this account, including the name and number associated with the account. If this account can not be verified, it must be removed from my credit report. 

XXXX Account Number : XXXX - Pursuant to FCRA 611 ( a ) ( 2 ), I am entitled to request an investigation to confirm that this account belongs to me. If the account can not be verified, it must be removed from my credit report. 

I request that you investigate these matters and take appropriate action to ensure that my credit report is accurate and up-to-date. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Maximus Education, LLC dba Aidvantage
State: CA
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:
I have never received a bill. Customer service wont help me take care of setting up payment plans. Company wont give me information to resolve the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2020 I called to make a car loan payment to Santander Consumer USA, then I heard a " click '' as if it were rerouted to another department. A woman asked would you like to receive a voucher from XXXX for only {$1.00} and an additional {$1.00} for magazine subscriptions? She told me this was a savings club, and that I can review it for 15 days and then she asked for my credit card information email and mailing address to where she would send the voucher. She said it would arrive in 3 business days. When I asked for the name of the company, email address, she said it would appear in my email and the voucher. She added that if I didnt cancel within 15 days, I would be charged {$39.00} for the savings club and {$29.00} for the magazine subscription. She gave me a 1-888 number to cancel it, but she said it very fast and I asked her to  repeat it and she gave me these two numbers : XXXX to cancel the savings club and XXXX to cancel the magazine subscription. She also said all the information will be sent in the mail and in my email and if I had any additional questions. Two days later, I when I did not receive anything in my email, I called the customer service number and the clerk said to wait another day because the {$1.00} x 2 had to be posted first before she can look up my account. The following day after I saw the posting on my bank account, I called, and she said call the next day. Today is XX/XX/XXXX I haven't received anything! I called again, and she said Ill have to wait until another 48 hours and to call on Monday. 
Here are the XXXX postings on my bank account. 
XX/XX/2020 XXXX XXXX  POS XXXX FL US XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX FL US XXXX XXXX When I looked up the number online, I came across other complaints : XXXX  : XXXX XXXX  : XXXX I thought when I was making the call that it was a promotion from Santander Consumer, but this turns out to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I hope this email finds you well. I am writing to express my growing concern and frustration regarding the ongoing issues I am facing with TransUnion in relation to fraudulent and unauthorized inquiries appearing on my consumer report. Despite my best efforts, I have encountered significant difficulties in resolving this matter, and I am reaching out to seek your assistance in resolving this issue promptly. 

Over the past several months, I have diligently corresponded with TransUnion by sending multiple letters detailing the unauthorized inquiries on my consumer report. Regrettably, the responses I have received from TransUnion have been nothing short of discouraging. Instead of addressing the matter at hand, their letters have consistently lacked substantive action and instead appeared to be stall tactics, with no real indication of addressing the concerns I've raised. 

What is even more concerning is that one of my letters to TransUnion has seemingly been ignored entirely, as I have not received any response from them in relation to that specific communication. This lack of acknowledgment is not only frustrating but also undermines my faith in the credit reporting system 's ability to rectify such matters. 

I would like to bring to your attention that the Fair Credit Reporting Act stipulates very clearly that there are specific permissible purposes for pulling an individual 's credit report, which include : A firm offer of credit Insurance purposes Application for employment A court order It is evident that the unauthorized inquiries on my consumer report do not fall within any of these permissible purposes. As a consumer, I am protected by these provisions, and I find it deeply troubling that TransUnion appears to be neglecting their responsibilities in ensuring the accuracy and integrity of the information they provide. 

Given the urgency and gravity of this matter, I kindly request your intervention to facilitate a resolution between myself and TransUnion. It is my hope that your involvement will help to expedite the removal of these unauthorized inquiries and ensure that TransUnion adheres to its obligations under the Fair Credit Reporting Act. 

I am truly grateful for your time and attention to this matter. If further documentation or information is required from my end, please do not hesitate to reach out to me at [ Your Contact Information ]. I look forward to a swift and favorable resolution to this issue. 

Thank you for your assistance.

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 2021-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Some years back my wallet was stolen that had my license, social security card, and bank information in 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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The Original creditor has failed to show proof of the original signed documents ( CONTRACT ) for the vehicle. per the FDCPA and the Law of being granted XXXX  days to prove the original debt and my original wet signature. I did not sign anything therefor I want this taken off of all Credit reporting agencies. 

I AM SEEKING RESTITUATION IN MONETARY GAIN. I never signed any information or paperwork on any vehicle.

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