BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-23
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX Bank Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04
Company: TD BANK US HOLDING COMPANY
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:
An account was fraudulently opened in my name on XX/XX/2019 by TD Bank USA Target Credit with a current balance of {$560.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. As of yet, there is no document evidence of VERIFIABLE VALIDITY of claim much less of the mandatory PERFECT and certified Metro 2 compliance of reporting AS REPORTED, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, BOTH grounds for my civil complaint and seeking of monetary resolution and punitive damages versus you shall you hesitate or refuse to report compliantly and only verifiably valid information, true or not! I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
i had XXXX loan with XXXX, they had loan for XXXX & XX/XX/2023 ', my payments were [ interest only ] {$430.00} a month for first year i applied for auto w/d, have email from XXXX was XXXX, next i get letter saying they XXXX sold my loan to SPECIALIZED LOAN SERVICING on XX/XX/XXXX. i called SLS to set up auto w/d with them, told loan from XXXX not there yet but i was to get welcome package from SLS with new loan # etc, i then could set up auto w/d. nothing from either XXXX or SLS until XXXX XXXX from SLS saying got loan from XXXX & it's in DEFAULT!! augnor XXXX payments were made!! i called them to explain i had auto w/d with XXXX but deaf ears!! called XXXX to find out why payments were not made, NOTHING!! so in reality for sake of argument, XXXX & XXXX would be {$870.00} + what late fees would be but SLS charged me {$2700.00} + {$430.00} = {$3200.00}!! i asked WHY & FOR WHAT?!!??! nothing!!!!!!! XXXX sent copies of notices for payments in mail but AGAIN, NEVER GOT ANYTHING IN MAIL FROM EITHER XXXX OR SLS!!!!!!!!!!! so would like answer as to why & what the outrageous charges were for!!!!!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: SUNTRUST BANKS, INC.
State: AZ
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:
1. Hard inquiry from XXXX XXXX on XX/XX/XXXX, that I did n't know about.

2. Hard inquiry from XXXX/over onXX/XX/XXXX, that I did n't know about.

3. Hard inquiry from XXXX on XX/XX/XXXX, that I did n't know about.

5. Hard inquiry from XXXX on XX/XX/XXXX that I did n't know about.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Credit 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:
This dispute stems back from XX/XX/2022, I ordered 3D printer filament and used my apple card as payment. The filament was marked delivered by XXXX, but I never received it and my XXXX XXXX XXXX didn't show any delivery either. On the rare occasion this has happened to me, my credit card company backed me up because I truly never received the merchandise. Not to mention it was around holiday season which everyone knows delivery mistakes occur more around that time then regular. I have disputed it with apple card 4x and every single time they do not help me at all. 

" Dear Apple Card, Not sure what information I can provide besides confirming that I did not receive the delivery as stated by XXXX. 

I honest to god did not receive the printer filament that I ordered. It is demeaning to have to file the dispute several times because someone can not comprehend the item was misdelivered during XXXX time last year. Insane this is still pending, very dissatisfied with apple cards protecting my purchases. 

Please let me know if you need anything else. 

Best, XXXX ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-11
Company: EQUIFAX, 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:
When I review my updated credit report in Identity IQ, I realized that the same information was incorrect. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$32.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2020-01-16
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 I received my dispute results from Equifax in the mail. Their reinvestigation showed that they removed two unauthorized inquires from my credit report. XXXX XXXX XXXX, XXXX and XXXX XXXX. Upon checking my Equifax credit report today, XX/XX/2020 I noticed that both the inquiries from XXXX XXXX XXXX XXXX, XXXX  and XXXX XXXX are still reporting on my credit file. Enclosed in this complaint : Theft Report, Letter to Equifax, Drivers License & Social Security Card, Proof of Residence, Equifax Credit Report, and FCRA 605B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: IL
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed with this creditor in XX/XX/23 I request bank transaction of proof that was late the creditor never sent the proof it 30 over days to perform investigation theyre age my account the didnt verify the date last active the failed to to an update the creditor has illegally reaged my date late active from XXXX transUnion is missing date last active is unverifiable TransUnion failed to do update my account and to proper investigation the creditors last reported on my account XXXX even though my last dispute XX/XX/23 today XXXX I have not received a update or re investigation from the creditors

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 2023-08-03
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I requested debt validation for debt. I requested information on how debt was calculated and they responded with 2 statements. The statements did not explain what services were rendered to justify total. Furthermore the statement total more than what is being reported to credit bureaus. The statement in which they are attempting to collect totals {$2800.00}. Reported to my credit is {$1100.00}. Lastly there was no evidence of contractual agreement between myself and the debt collector.

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 2019-05-06
Company: CL Holdings LLC
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Has made to derogatory reporting on my report. I called to try and resolve the issue when I was told this I from accounts in XXXX. The account was recently purchased by XXXX XXXX and was reported on XX/XX/XXXX and XX/XX/XXXX as derogatory. I was told the original account was with XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: WESBANCO BANK, INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I decided to change banks and applied for a XXXX XXXX account. The internet was slow and after submitting the application, I got an electronic notice from XXXX XXXX saying something like There was an error on our end. Please reapply so I did. 

When I checked my WesBanco account, I found XXXX {$300.00} transactions were taken from my account for a total of {$600.00}. 

I checked with XXXX XXXX and found that instead of one checking account, I had two checking accounts, one opened with {$300.00} deposit and one with a XXXX balance. The XXXX balance account was closed. XXXX XXXX showed an account with a deposit of {$300.00}. 

Simple math. One bank took out {$600.00}. The other bank deposited {$300.00}. 

Neither bank has been interested in what the other bank did. WesBanco 's position is {$600.00} was taken out. XXXX XXXX 's position is {$300.00} was deposited. Both banks say the missing money has nothing to do with their bank. Neither seems to have the slightest interest in understanding how {$300.00} disappeared because both maintain it is the other bank 's problem. 

On XX/XX/XXXX, WesBanco removed the {$300.00} from my XXXX XXXX account and deposited it in my WesBanco account leaving a XXXX balance in my new checking account and deposited it back into my WesBanco Account. 

On XX/XX/XXXX, I received a letter from WesBanco congratulating themselves for fixing the discrepancy. 

There is still {$300.00} missing from my WesBanco account and removing the {$300.00} that WASN'T missing didn't change the difference between {$600.00} withdrawn from WesBanco and only {$300.00} deposited in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX I signed up for Equifax credit report and Monitoring services, paid XXXX for the first month, complained to the company that I could not see my credit report, score but they escalated the problem to the higher-ups and it never got fixed. On XX/XX/XXXX I recived a conformation case # XXXX that the problem will be fixed in 10 day, I'll be receiving a call from a supervisor let me know that the issue has been corrected and I can log into my credit report but that never happened and to this day I still can't log into my Equifax credit report and see my credit report and credit score. On XX/XX/XXXX and received a another confirmation number of XXXX XXXX XXXX XXXX XXXX XXXX - XXXX and I was told that I would hear back from somebody and Equifax in 3 days and that still haven't happened and I still have not been able to view my credit report and credit score. So here I am today filing a formal complaint against Equifax because they still have not made my credit report and credit score available.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Experian Information Solutions Inc.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I put a security freeze on my credit via XXXX while I was an XXXX consumer. I removed the freeze to provide my credit history to a prospective landlord. Experian also apparently put a security freeze on my credit. However, I am unable to reach a human being or use the website to remove the freeze.

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 2023-08-07
Company: Nelnet, Inc.
State: NV
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 DeptOfED/Nelnet Account XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2023-08-03
Company: AmerAssist A/R Solutions, Inc.
State: NY
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 had a collections balance with amerassist I made a payment plan with them and started paying in XXXX. After I started paying they never reported that I started paying instead they reported that my balance increased while I was paying so I kept disputing it because I know im paying I was giving them XXXX every two weeks and for them to report I didnt pay is unbelievable money doesnt grow on trees! I ket calling them and they gave me the run around they did this on purpose because everyother person I owed reported all my payments. By them doing this my score went down XXXX while im paying them off I was so upset no other company did this to me and even after I disputed it after I paid it off they said the information is still accurate but somehow they removed it from my report. I know that company did it on purpose I never went thru this with anyone I paid off this isnt right I STARTED PAYING IN XXXX AND IN XXXX THEY REPORT THE BALANCE INCREASED! How? If im paying because of this my score went down with this false information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
As the consumer, I was not given an explanation of how I can exercise that nondisclosure option for the following account : Department of Veterans Affairs Account Number : XXXX I contacted Transunion XXXX XX/XX/2021 to inform them that an account on my credit report is violating my rights under 15 U.S. Code 6802. 

Today is now XX/XX/2021 and they have yet to suppress the account from my 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