BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-25
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have disputed inaccurate personal information including name and address. I have also disputed fraudulent inquiries on my credit. I have been informed these have all been verified as accurate. I then requested information about the verification process approximately 20 days ago and have only received a copy of my credit report in response. There is no response to method of verification request and the inaccurate information remains. I have delivery confirmation on XX/XX/19 of the request I sent. This problem is with all three credit bureaus including XXXX, Experian, and 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 2022-12-09
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo case number : XXXX Harassment, negligence and false accusations of Altered or Fictitious checks SEE ATTACHED LETTER FROM ME

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 2022-01-19
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
This case is about a payment made that resulted in the vehicle being paid in full. The Bank refuses to give me the documentation to release the loan on the vehicle. The car was paid in full on XX/XX/XXXX, Money deducted from bank on XX/XX/XXXX, the bank stated that they received the payment in full payment on XX/XX/XXXX, XXXX mailed out on XX/XX/XXXX. I called on the 4 of XX/XX/XXXX and all of this information was confirmed, but I never got the title which they stated I will received in 7 to 10 business days there words not mines. They wrote it in my account also. I called and ask where is the title release document, TD bank stated that why I want the title? ... I stated i plan on selling the car and want to hand the new buyer a clear title. TD bank stated we do not know what happen to the title just do a bill of sale. ( What? ). I said no I want a title release document from you to get a title... Why can I get a title? TD bank stated shy are you rushing us to give you a title. I read back to them, their words : " You will get your title back i 7 to 10 Business days '' on my online account. They said " Why are you looking online at your account it is close. I said I still have access to it and your lien is still on the title account. They said I can not get the title release document do a technical difficulty on our end. I just want my title release document - TD bank has been given me wrong information and flat out lying to me. I still have not got a date or an acceptable status of the title release documents being sent. They done nothing but give false and misleading information but no title release has not been mailed out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I submitted multiple letters to resolve this issue to Equifax. First letter was sent in on XX/XX/XXXX, second letter was sent XX/XX/XXXX. Prior to that I have sent in multiple letters and have made multiple calls and still have not had any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been working with FedLoan Servicing since XX/XX/XXXX to calculate a reasonable repayment plan for my student loans that total {$120000.00}. FedLoan has insisted that through an IDR plan I should be able to make a monthly payment of anywhere from {$1200.00} a month to {$700.00} a month - this is unreasonable. It is pertinent to know that my loans were consolidated in XX/XX/XXXX. This recent fall I worked with XXXX XXXX to better understand my repayment options with FedLoan. XXXX XXXX has indicated that it is best to use an IBR plan, which was never suggested by FedLoan, to make a monthly payment of {$270.00} a month. This is a reasonable payment. I submitted the paperwork for the IBR in XX/XX/XXXX and did not hear back from FedLoan in the time period they stated they would share the results. I contacted FedLoan on XX/XX/XXXX to learn that I was expected to pay a {$5.00} fee to opt out of the IDR plan to be considered for the IBR plan, which was not communicated to me, but I was informed that this requirement was stated on page 6 of the application in small, light gray font - nefarious. Yesterday, XX/XX/XXXX, I received notification that my IBR plan is two monthly payments of {$270.00} and {$450.00} a month and now my loans are no longer consolidated. There is DLSCNS loan program and a DLUCNS loan program now on my account - none of which has been explained to me. II also want to note that I am not able to download documents previous to XXXX as FedLoan has made the documents unavailable in my FedLoan inbox. I need help working with FedLoan to get to a monthly payment that I can afford. I have been XXXX  in XXXX XXXX XXXX  for XXXX  years, I have made many attempts to work with FedLoan to make reasonable monthly payments with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: LEXISNEXIS
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Misuse of Product - LexisNexis IAPD Case : XXXX, Incident : XXXX, Requested an audit of any and all search ( es ) made of my personal information, my minor childrens personal information, as well as associates, friends and family members, made by user employed at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX Nevada. User/employee illegally used LexisNexis to monitor background, credit, and worth ; has searched information of usefulness in credit, income, assets, and capital, as well as debt information about myself, my XXXX children, and other associates for reasons other than work related. Illegal searches were made approximately XXXX through the present. 

XX/XX/XXXX, I called LexisNexis; started an investigation and the rep told me I would receive the results by mail within 60 days. I have received nothing from LexisNexis and my attorney 's subpoena goes ignored or redirected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This letter is concerning Information contained in my consumer reports. Under 15 U.S.C. 1681c no consumer reporting agency may make any consumer report containing accounts placed for collection or charged to profit and loss 15 U.S.C. 1681a sec 2 sect a section i states, any report containing information solely as to transactions or experiences between the consumer and the person making the report ; should not be on credit report. 

Transunion is still reporting my transactions and experiences without my permission.

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 2022-05-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company portfolio recovery services represented XXXX XXXX XXXX  and this account was dissmissed making me no long responsible for this account see attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX, Tranunions, XXXX need to remove late payment from XXXX XX/XX/23 XX/XX/23 15 U.S. Code 1666b

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 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: HUNTINGTON NATIONAL BANK, THE
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I was scammed by someone impersonating a Huntington bank employee for a grand total of {$3000.00}. This individual text me that someone was attempting to make a XXXX transaction of {$1500.00}, the individual spoofed Huntington 's main customer service number and explained to me on the steps I needed to take on Huntington 's mobile banking app to reverse this XXXX transaction. The next day XX/XX/XXXX the same individual called me from Huntington 's number again and instructed me on how to redeposit the funds that were taken out of my account the previous day.

I had immediately contacted Huntington when I did not see the {$3000.00} in my account anymore. Since XX/XX/XXXX Huntington has had this information and has yet to give me an answer on this investigation. I was initially told that the likely hood of me receiving my money was slim since I had to authorize the transaction through XXXX. I was coerced into sending this transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Initially spoke on the phone with XXXX XXXX and they agreed to a deferment, only for them to report the loan as delinquent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Show details XX/XX/XXXX Show details XX/XX/XXXX Finance XXXX  Banking please delete these fraudulent inquiries from Transunion

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 2022-01-19
Company: JPMORGAN CHASE & CO.
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:
I have been in contact with XXXX XXXX of Consumer Affairs, spoke to a supervisor name XXXX XXXX. I have submitted a police report and an identity theft report regarding the account for JPMCB, and XXXX XXXX, which is still reporting. I have filed a lawsuit, and nothing has happened with this account. It was settled, and still no removal of an account I did not authorize. My desired outcome is for these items to be removed in my favor. 
I have sent documents already.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
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: Account status incorrect

Complaint:
I filed a complaint with the Attorney General office and the credit bureaus in regards to this erroneous charges, claimed by XXXX XXXX.I filed a dispute with the credit bureaus, but the charge still remain after their investigation, it is indicated on my credit report it was completed on XX/XX/19.I received a letter from XXXX XXXX XXXX , on XX/XX/XXXX,  informing me, that the credit bureau was instructed to do a trade line deletion associated with this debt in the amount of $ XXXX.It has not been done, and their is no legal reason, for their action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Since XX/XX/2021 I have been contacting TransUnion, XXXX and XXXX in about my consumer report. To date they have continued to ignore the countless letters that I have sent them. They are violating my rights as a consumer and they are furnishing a bankruptcy on my consumer report that they have illegally for profit via XXXX. I have contacted The XXXX XXXX Clerk of Courts and they have informed me that they do not and did not provide bankruptcy info to TransUnion, XXXX and XXXX. I also did not give them permissible purpose to furnish any of the information that I have disputed. They are also violating my right to privacy. Furnishing a consumer report without the consent of the consumer 15 USC 1681B. Furnishing an account that was created from a credit card or similar device 15 USC 1681 ( A ) ( 2 ) ( B )

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 2022-12-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My online back account got hacked into and the person sent themselves money

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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
consumer have informed TRANSUNION of errors on consumer 's credit report. TRANSUNION intentionally continues to furnish this information on the report defaming consumers character.

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 2020-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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've disputed these accounts before but did not get any results in connection to my identity theft claim. My identity has been compromised and the following accounts are hindering my true credit identity. Please block the following accounts are provide me with physical documentation that they are true accounts. These accounts I have absolutely any knowledge of, 1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) 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 2023-09-24
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2021, my father sent me a voicemail from a creditor. A woman called him- he & I do not share a cellular phone number & we do not live together - left a voicemail advising that she was calling to speak to me about an account that was in collection efforts. 
I have advised this company, not to call anyone but myself & they have the correct contact number for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19
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: Personal information incorrect

Complaint:
I have disputed multiple addresses and other false or in accurate information on my credit report With Experian to the point where they won't let me file a dispute using the app anymore on those particular items. A caption that comes up every time It says a certain account is still reporting but if I tell them it isn't my account then why are they even letting it report? I did some disputes for Experian XXXX XXXX through the mail and both same results no luck with any of it. There is a lot of errors and inaccurate information on my credit report which is a total violation of the FCRP act. So I sent in a personal information update letter with my Current Personal Information. All was done was the added my new information with the inaccurate information that I've been trying to get off for the last 3 years or more. I filed a Identity Theft report and they still haven't removed any of the fraud or inaccuracies off my credit report and they fail to physically verify them also and will not delete them. Which is also a violation FCRP Act. They have no regard for the individuals whose information they make money off even if its wrong and it does slander the individual whose name is on the Credit 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 explanation