BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act Chapter XXXX Bankruptcy Reference # 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

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 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
None of these questions are mine, please delete them. 

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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Submitted FTC Identity theft fraud affidavit prior. Transunion has not deleted inaccurate information within 72 hours per the FCRA of receiving my identity theft affidavit. Account as a result of fraud is reporting inaccurate addresses in Idaho not associated with my personal information. Accounts that resulted from identity theft are XXXX XXXX XXXX and XXXX. The accounts were re-inserted after being deleted due to prior identity theft affidavit 's with the same account numbers, same account balances, and same account open dates. This is a re-insertion violation by the FCRA. Both accounts are reporting or have reported inaccurate addresses. Transunion is also required by the FCRA to notify me, the consumer, of the removal of blocked items previously. I was never notified of the re-insertion and removal of the block, after these items were previously deleted and blocked. See 15 U.S. Code 1681 ( 5 ) ( ii ) " Notice to Consumer ''

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 2022-05-24
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In XXXX of XXXX during the merger of Suntrust with BBT there were withdrawals from our account to unknown commercial entities. Suntrust corrected this, but no explanation was provided so we decided to switch to another bank. 

In XXXX of XXXX, we closed our accounts at the new merged Truist. In XXXX of XXXX, Truist allowed an automated debit to a closed debit card. In XXXX of XXXX they sent us a notice that we owed this charge plus a fee totally about {$32.00}. 

This we paid in early XXXX of XXXX. Then in late XXXX, they sent us another notice we still owed {$55.00}. This we also paid. 

When we log in to the accounts they still show as open. 
We want the account to be closed nor do we feel we owe them for the charges of {$32.00} and {$55.00}.

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 2023-07-18
Company: Experian Information Solutions Inc.
State: MA
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.

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 explanation
Consumer complaint received 2021-12-11
Company: Prosper Marketplace, Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I was on a 6-month payment plan ( I was unemployed due to COVID ) with Prosper starting in XX/XX/XXXX for $ XXXX and utilized the autopay feature ; and assumed my last {$200.00} payment would be XX/XX/XXXX21. However, when I received a payment confirmation on XX/XX/XXXX21, it stated that the payment would be for {$740.00}. I immediately called Prosper on XXXX/XXXX/21 and stated I thought my payment would be for {$200.00} and my checking account would be overdrawn with the {$740.00} payment. The Customer Service Representative stated she would request a refund and stated my payment should be for {$200.00} for the XX/XX/XXXX payment, then revert to a higher payment. She told me to wait for a few days to receive an email and refund, which I did not receive. I called Prosper on XXXX and spoke with a Customer Service Representative named XXXX XXXX XXXX was very polite and understanding and helpful and told me over and over that my payment of {$740.00} would definitely be returned, especially since my checking account is over {$900.00} overdrawn. He promised me the payment would be returned in a few days and someone from Prosper would call me to work out the details. Again I heard nothing until XXXX when I received an email from Prosper stating they would not be returning my payment. Now my checking account is overdrawn by {$1000.00}!! I called on XXXX and asked to speak to a manager, who was nice and understanding but stated there was nothing they could do and that I was told misinformation from the previous representatives. The manager stated it was Prosper 's fault but could not return my payment or offer to pay the overdraft fees due to the misinformation. All he could do was turn off the auto pay feature on the 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 explanation
Consumer complaint received 2019-09-20
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
No actions was taken still showing up on my credit report the date the name of the company is debt solutions I have kno knowledge of these 2 accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: IL
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2021-12-11
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
LVNV is commiting fraud and asking myself to commit fraud. 
Inability to pay According to -- -- -- >>>>> Whereas Article 1 section 8 Clause 1 dictates that, Congress shall ... Pay the Debts ; and, Whereas Article I, Section 8, Clause 5 grants, Congress shall have Powerto coin Money, regulate the Value thereof... and Section 10 sates, no stateshall make any Thing but gold and silver Coin a Tender in Payment of Debts. ; and, Whereas in the United States, legal tender is statutorily defined as all coins and currency issued by the United States Treasury or the Federal Reserve System, including fiat money coins and notes but this definition exceeds Congresss power under the Constitution ; and Whereas existing legal tender law ( 31 U.S.C. 5103 ), first passed in 1862, declares Federal Reserve Notes to be legal tender but, such notes are not legal tender in the constitutional sense, because they are fiat money and bills of credit ( no longer backed by gold since 1933 ), which the Constitution forbids ( Article 1 Section 10 ) ; and, Whereas according to the statutes and rules that govern the Federal Reserve System, bills and other certificates of indebtedness are obligation of the United States ( 18 USC 8 ) and as a non-citizen, non-resident, non-federal reserve agent, non-federal reserve bank Affirmant is not authorized to pay using the Federal Reserve System ( 12 USC 411 ).

Conclusion : The Affirmant, as one of the real men with arms and legs on this land called America, is a collateral creditor ( 15 USC 1692a ( 4 ) ) of the full faith and credit of the United States ( 12 USC 1825 ( d ) ). As such creditor Affirmant is not liable for any obligation of the United States. 

QUESTIONS RAISED TO " CREDITOR '' : XXXX ) Who is required to pay debts? 
2 ) What species LVNV requiring as payment?

3 ) What legislative authority gave LVNV the legal ability to determine the said payment? 

I, XXXX XXXX, living private woman heredo by certify this statement to be true under penalty of perjury.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I 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 accounts ( 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-11
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On Tuesday, XXXX XXXX, American Express mistakenly took ~ {$3700.00} from my checking account, overdrawing my account, via an Autopay feature which was set for payment of my full balance, not my minimum payment as I had intended. I called American Express to inform them of the issue and was told I should call my bank to have them reject the payment. I made my intent clear to pay the minimum amount when my payment due date arrived. Long story short, it took one full business day for the rejection to appear on my account, leaving me unable to access money for that day. 

On Friday, XXXX XXXX, American Express again took the same amount from my Checking account. I called my bank immediately to have them reject the payment, but again, this " Autopay '' overdrew my checking account after it had already been rejected for insufficient funds AND after being on the phone with Amex representatives three days ago making my situation very clear. It is Friday, and I am now entering one of the few weekends left before the holiday with a negative balance on my checking account and no ability to spend money. 

Through this nightmare, American Express either refused or was unable to provide a way to stop this " Autopay '' from taking a massive money from my account a second time, and when I asked if they were suggesting this will happen again next week, they said they had no choice but to " let it happen and tell [ my ] bank to reject it. '' Meanwhile, Amex will have charged THREE repayment fees to my American Express card. 

Is this XXXX? It feels like it!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021

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 2019-12-14
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
contacted capital one about the membership fee I was charged and was told that they couldn't do anything to change it or waive it and they changed people terms and conditions all the time as well as fees without your permission and they say it is nothing you can do and that is not fair to the comsumer I asked them to see what they can do to change my terms or conditions and all I got was the run around if it wasn't for trying to get my credit score up i would've closed the account right there and is thinking about as I write this because this company has done nothing but jerked me around and at some point something has to give if I have to close the account I am at the point where I think it may be better off than to keep going through the crap with them please help me with this matter or provide me with information to get out from under them without hurting my credit score

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-01
Company: Sterling Infosystems Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My case for X/X/2010 should not even be on my record at all anymore for anybody to see. I was told in court that it would be gone and nobody would be able to see it anymore and XXXX XXXX was also pulled up on my background check and should not even be on there. This is causing me not to be able to get my job and it should n't be on there.

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 2023-07-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 explanation
Consumer complaint received 2023-08-14
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
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: Problem with personal statement of dispute

Complaint:
Dear Consumer Finance Department, I am writing to bring to your attention a significant error on my credit report that has had a detrimental impact on my credit score. The incorrect information has been placed on my credit report by XXXX XXXX at XXXX XXXX, and I am seeking your assistance in rectifying this matter promptly. 

To provide some context, I resided in an apartment at XXXX XXXX  until my lease agreement expired. Prior to leaving the premises, I returned the keys to the management and ensured that all outstanding bills were paid in full. I fulfilled all my obligations as a responsible tenant, leaving the apartment in good condition. 

However, subsequent to my departure, the property was sold to a new owner who seemingly failed to review my lease agreement accurately. Despite my adherence to the lease agreement and fulfilling all financial obligations, the new owner claims that I owe them money. This erroneous claim has led to the inclusion of a debt on my credit report, which has significantly impacted my credit score. 

I possess concrete evidence to support my claim of returning the keys and providing timely notice of my lease agreement 's expiration. I kindly request that you review this evidence and investigate the matter thoroughly. It is of utmost importance to me as I am currently in the process of purchasing a home, and this unjustly negative credit report is hindering my progress. 

I kindly urge you to take immediate action to rectify this situation. Please remove the inaccurate debt from my credit report and update my credit score accordingly. I am confident that with your expertise and intervention, this matter can be resolved swiftly and satisfactorily. 

Thank you for your attention to this urgent matter. I am eagerly anticipating a prompt response and resolution to this credit report discrepancy. Should you require any further documentation or information, please do not hesitate to contact me. 

Sincerely, 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 2021-12-11
Company: Experian Information Solutions 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:
Experian has reported information/ obtained information from companies other than myself without my written consent. No consent is identity theft! 
I did not give Experian my written consent to do so. Experian is in violation of the USC LAWS listed below. 

Experian, please send me a copy of my letter that I handwritten and gave you my permission to report these items. 


Attached is photos of the accounts that has been reported without my WRITTEN consent. 

15 U.S. code 1681b 15 U.S. code 1611 18 U.S. code 1028 ( a ) 7.

18 U.S. code 1028 ( a )

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