BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-21
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX - XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XXXX : - US DEPT ED Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-06-21
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-06-21
Company: Student Loan Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I had a private education loan from XXXX  XXXX XXXX, I took the loan out in XXXX. I was able to keep up with the loan for several years but with a job loss I got behind. The debt ended up getting charged off and fell off my credit report around XXXX. In XXXX I relocated for work from XXXX XXXX to XXXX Florida in XXXX. XXXX I was sued by XXXX and XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, representing Student Loan Solutions LLC. They stated, XXXX  XXXX XXXX assigned their interest in agreement to Student Loan Solutions in XXXX. They had one attempt to collect the debt XX/XX/XXXX they sent a collection notice to my address in XXXX, XXXX months after I moved. The collection notice is from XXXX And XXXX... Which I will add is owned by XXXX of the board members at student loan solutions. Here is my case information https : //hover.hillsclerk.com/html/case/caseSummary.html, if you go to doc XXXX there is an in depth break down of information I was able to put together. Such as proof it was a private loan. A screen shot of Student Loan Solutions own website advising they are not affiliated with any banks that they are an independent company that specializes in the development and administration of documents to assist debtors with the necessary paperwork needed to complete federal student loan consolidation and or forgiveness process. Their company profile is a passive debt buyer. I also was able to find out that all the collection agencies which all have names that read as if attorneys, are all owned by different board members of student loan solutions. The attorney is filing a suit a month every month against people, since XXXX. I have attached a copy of my filing to the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - EQUIFAX MORTGAGE SERVI XX/XX/XXXX - EQUIFAX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX NEGATIVE ACCOUNTS : - XXXX Account # XXXX - XXXX Account # : XXXX - XXXX XXXX XXXX  Account # XXXX - XXXX Account # XXXX - XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Company reached out to me in regards to a debt that I did not have any prior knowledge of. Company fail to disclose any information other than an address associated with the debt, where I never lived or had any association with.

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 2023-01-14
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I purchased a XXXXXXXX XXXX. Due to the XXXXXXXX XXXX being discontinued, I was issued a refund of {$100.00} on XX/XX/XXXX to my Chime bank card ending in XXXX. The refund was issued to XXXX, who then sent it to my bank. The account associated with the card ending in XXXX is still active, but the card itself is inactive. 

I contacted XXXX to try to trace the payment, as I had never received it, and they provided a transaction id. I then contacted Chime to trace the payment and have been trying to resolve this with them ever since. They have told me various times that they have no record of the refund or even the original transaction, even though the original purchase is viewable on my Chime portal. I have asked by phone and via email for assistance and have been told they will not/can not assist. 

Additional background : Another refund from XXXX for {$19.00} was sent in XX/XX/XXXX, and that went through with absolutely no issue ( for the same card ). 

The attached email is one of many, I have been pleading with Chime to find this refund for over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXXXXXX XXXX account XXXX, XXXXXXXX XXXX account XXXX, In accordance with the Fair Credit Reporting act XXXX  these accounts 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 2021-10-30
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
I used my credit card and the purchase of just under {$5000.00} resulted in a drop of over twenty points. This amount was then paid off during the next billing cycle, but my credit report has never been credited properly. 

This is not the first time these pseudo governmental agencies have really lagged behind in keeping the information current. They are always quick to lower the credit rating but very slow to report that the debt has been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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've disputed this inquiries several times, they are fraudulent and weren't authorized by me and I want them removed. Below is a list of inquiries TRANSUNION 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 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 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 2022-08-19
Company: Marlette Funding, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Recently in XXXX, I was shopping for a personal loan. Best Egg notified me that I was pre-qualified for the loan. I spoke with a representative from Best Egg, and decided to hold off until I decide on the loan. On XX/XX/2022, I was notified by email that loan has been " funded ''. However, I did not authorize nor sign any documents related to the loan offer. I called that following week, and explained to the representative that the loan was unauthorized and I never approved the amount to be funded. Nor did I ever sign any documents agreeing to the loan. The representative explained they will reverse the amount from my bank account, and also notify Best Egg 's fraud team that I did not authorize the loan. I explained to the representative that the loan should not be reporting to my credit or any inquiry related to Best Egg should be present. However, recently, I was notified that the loan is now being reported to my credit, even though I spoke with Best Egg, explaining it was fraud. I logged into the account online, and even after cancelling the loan after fraud, the loan still shows a XXXX balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
State: UT
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 disputed incorrect information being reported concerning an XXXX XXXX XXXX and XXXX XXXX who bought the alleged debt. 
The details of which are included in a previous complaint. Equifax continues to allow proven false information to be reported by night adjustment I have provided documents proving the information is not accurate and requesting an investigation however that investigation consisted of asking the agency if the information was accurate and of course they would say yes as they reported it. They did not ask for any documents showing the debt is accurate even after I supplied documents showing the inaccuracies. Both XXXX and XXXX removed the in accurate information. XXXX XXXX  is a preditory agency and knowingly reports false information trying to bully people into paying what they don't owe. After disputing and supplying proof Equifax should do due diligence and actually investigate if they are going to continue allowing the reported information to remain not just ask a question. The information is false and they are responsible to remove false information not ignore the proof I submitted when XXXX XXXX  has submitted nothing showing the validity nor can they I have request that information repeatedly to no avail I would be happy with the implied proof or remove from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
XXXX is reporting inaccurate and unverifiable public record information about me on XXXX XXXXXXXX consumer credit report and file. These unverifiable bankruptcies are listed on my XXXX consumer and file as file/docket # : XXXX and file/docket # XXXX XXXX. According to the FCRA, in order for XXXX to furnish these alleged US BANKRUPTCY COURT public records, they would need to be able to both VALIDATED and VERIFY the information with original creditor. The US Bankruptcy Court would be the creditor to furnish this information and have previously communicated with me through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies and the minors such as Lexis Nexis, XXXX XXXX XXXX XXXX XXXX XXXX. US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with LexisNexis that they were not able to validate this alleged bankruptcy in accordance with federal law. 
Having the abovementioned information, XXXX is violating my federally protected consumer rights. In addition to that violation XXXX is also committing fraud since they claim to have verified this bankruptcy but their sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ) and 15 USC 1681C ( A ). I DID NOT give XXXX neither direct nor indirect permission to furnish my information. 
I am hereby demanding this entry be permanently removed from my consumer file within 30 days from the day XXXX RECEIVES this demand. Should XXXX choose to be negligent in rectifying my affairs, I will follow up with a complaint to CFPB and initiate monetary arbitration in small claims against XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Experian Information Solutions 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:
Credit Bureaus are reported an alleged bankruptcies on my credit report. XXXX XXXX informed that they provided the credit bureaus with no such information regarding these alleged bankruptcies and the courts also stated the same information. Since XXXX XXXX  has verified that they did not provide this information, I am challenging the validity of these and wanting full documentation.

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 2022-06-06
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I recently learned I am a victim of Identity Theft. I have been taking action against this violation and trying to clean up the inaccurate records listed on my credit reports. 

I noticed all three credit bureaus listed a Public Record that was not mine. I then researched their method of verification and learned they all obtained their information via XXXX XXXX a third party company. 

On XX/XX/XXXX I sent a certified letter to XXXX XXXX asking them to explain where they obtained their information and why it was in my file. XXXX XXXX responded stating they could not verify the public record and has subsequently deleted this from my file. 

Following this XXXX XXXX correspondence I submitted a letter to all three Credit Bureaus via certified mail on XX/XX/XXXX asking them to remove the inaccurate information. 

Instead of removing the inaccurate information Experian and XXXX XXXX continue to promote this negative information. I then sent a second certified letter on XX/XX/XXXX again asking that they take my concern seriously and remove the inaccurate information from my file. I heard nothing from Experian. 

On XX/XX/XXXX I tried calling both Experian and XXXX XXXX to confirm they received my dispute. I was only able to speak with a XXXX XXXX representative who told me he would re-submit a phone dispute. On XX/XX/2022 I received a letter from XXXX XXXX stating they have reopened and completed their phone dispute but they still have not deleted the information. Instead they are still reporting this negative information as accurate. 

I still have not received correspondence from Experian following my second dispute letter sent on XX/XX/XXXX. 

I need some help because XXXX XXXX and Experian are not re-investigating the information. If they had they would see this information is not in my XXXX XXXX XXXX and therefore remove the inaccurate data from my credit report. 

XXXX has re-investigated my dispute from XX/XX/2022 and has deleted the inaccurate public record. I don't understand why is XXXX XXXX and Experian would ignore my request and even break the law by continuing to report this negative 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 2022-08-19
Company: Velocity Portfolio Group
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have been sued and had a levy put on my bank account twice now by Velocity Investment without any notification of lawsuit or buying of debt. Requested multiple times to be provided proof of debt, proof of original creditor, etc and have received nothing. Through research, I can only determine they may be attempting to collect on an old auto debt that is already past statute of limitations and on a vehicle that was returned to them years ago. I have disputed this amount with credit agencies and have received no notification from Velocity Investment at all in any form. Only informed of their existence due to their name being on the levy provided by my bank. Clear violation of multiple consumer protections and invalid lawsuit resulting in the theft of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: EQUIFAX, INC.
State: SC
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:
There are inquiries that I do not recognize. Please see the attached form.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: BANK OF THE WEST
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX, I went on-line to pay off my Bank of the West boat loan. I requested a payoff amount and received a balance of {$1800.00} which I paid in full. 
I never received any other information from Bank of the West and believe I did not receive my boat title. 

In XXXX of XXXX I received a notice regarding the boat loan ( # XXXX ) that there was an additional {$110.00} due towards the balance. I called on numerous occasions since that notice and spoke with several representative including the " Executive Relations '' personnel but no one could explain what these charges were for. No one from the Supervisory team nor the Executive Relations Dept. have called me back with any pertinent info. 

On XX/XX/XXXX I received a notice that my " balance ' was charged off - I have confirmed that a negative comment was made to my XXXX report and this has greatly impacted my one stellar credit score. I have disputed this twice with XXXX with no resolve. 

On XX/XX/XXXX I wrote to the CEO of Bank of the West ( XXXX XXXX XXXX ) but have have received no response.

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 2022-04-23
Company: EQUIFAX, INC.
State: GA
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 to the Fair Reporting Act XXXX XXXX XXXX XXXXXXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation