BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have recieved confirmation of amount approved for group c of sweets v cardona settlement. ( in attached document ) However when I recieved a check from the dept of education it was only a 10th of the money I was to be given. When I contacted EDFinancial they told me false information or redirected me to my previous lender which is NO LONGER IN OPERATION for information on the refund. As well as the dept of treasury which I can not reach. 

From this I have been contacting edfinancial almost daily and have been given the same scripted response regardless of how I explain that they are liable. It is also far beyond the disbursement date from the approval date i was given which goes ahainst their own refund schedule among other things.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Fraudulent activity was spotted on the credit card. Reported to the issuing company, chase. They removed the charges to conduct their investigation. Resulted in them saying they believe the charges to be valid based on merchant reporting identifying information that matched along with an ip address match. Subsequent research found my personal information to have been leaked in previous data breaches compromising my personal information. Believed to have suffered from identity theft resulting in the fraudulent charges on the account. Have since filed fraud alerts on XXXX, identity theft report with the ftc, and exploring other avenues of recourse. Chase conducted a secondary investigation but still believes the charges to be valid and not honoring the fraud protection offered on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Misleading information by customer service on the dates and months this account was closed, investigated, requested by the customer of hardship the amount presented to paid while on XXXX months paid on time. The months of late payments in XXXX are unacceptable. A request follow-up from the credit report on the payment history before XX/XX/2022. Good credit / exceptional. 

I want an investigation done on this company as a whole! Until I filed a dispute, I called them several times. They never told me this account was closed each time I requested. Was it possible to use this card? Yes! Why did I pay the necessary cost to get back on track if it was closed? Indeed, I didn't want this card closed for having a significant limit to help me and my family survive this economic crisis. Once, I told a supervisor would get back to me to help activate my card after attempting to use it at the market twice was declined. 

I followed each transaction to keep this account active by borrowing money and got disappointment. Today, my credit is showing late payments, and I can't get any other support causes of these late payments on my credit by this company! I need my good credit rating back, and please advise me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
There are 5 complaints in reference to Bank of America and the servicing of our Loan. Bank of America seems to have found a way to go around the system without answering Complaints. First they acknowledge the complaint is there. Then they tell CFPB we are going to send you a letter on how we will handle this situation. That never take place, but they do give you a telephone number to tell the customer to call this number XXXX ext. XXXX. Then they Close the complaint. Once it's Close you can't re-open it. 
So your situation never get resolve and Bank of America continue with there Bank Fraud!!! There excuse is we don't want to publish our resolution

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
n 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. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXXXXXX XXXX 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 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 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To whom it may concern : I am writing to you because I am concerned about the accuracy and honesty of your company 's data. According to FCRA section 611, it is important that we have accurate records on file with those who rely on them most- including not just customers, but also potential lenders or employers. After doing some research into Metro 2 compliance standards, I have found that there may be some inaccuracies in reporting going forward if these issues are not promptly resolved. I would love any feedback possible before taking action against you later down this road together.The inaccuracies that are currently on my report are having a serious negative impact on my quality of life. The data on my credit report is of high importance and is currently not a representation of who I am financially because it is inaccurate. I am demanding accurate documentation so you can document me- the person who deserves status in society - correctly.Please make sure that all inaccuracies are removed immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form 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 explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 non-monetary relief
Consumer complaint received 2023-04-20
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 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. 

XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX Last reported XX/XX/2023 AMOUNT : {$6200.00} XXXX THIS FRAUD ACCOUNT SHALL DELETE FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX  NOT AUTHORIZE TO PUT THIS FRAUD ACCOUNT IN TO MY CREDIT REPORT WITHOUT MY KNOWLEDGE. 

DELETE THIS INACCURATE COLLECTION ACCOUNT FROM MY CREDIT REPORT BY LAW.

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 2023-03-10
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agncies are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the files : XXXX IL XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$0.00}. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The account is paid off. I have screenshots to prove it. Additionally, XXXX has released the vehicle title which is now in my possession.

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 2023-05-24
Company: ENCORE CAPITAL GROUP 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: Their investigation did not fix an error on your report

Complaint:
I have called all 3 bureaus numerous times from last year until this morning due to inaccurate information on my reports. They refuse to remove innacurate names and addresses along with collections that dont belong to me and can not be verified, and also say I cant dispute anymore because its been validated but yet I have not received any validation of my debt. 
Collection in amount of {$5200.00}, {$2000.00}, {$4900.00}, {$390.00}, {$4700.00}. I have called each of these debt collectors requesting debt validation and they refuse and then hang up on me. I then tell this to the bureaus and they do nothing. These accounts do not belong to me and I only have ONE name and ONE address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: CA
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:
Equifax and XXXX are reporting without my permission. These accounts are adverse items and reporting without my permission is against the law. 

Under the Fair Credit Reporting Act 15 USC 1681- Congressional Finding and statement of purpose a ) Accuracy and Fairness of credit reporting states There is a need to ensure the CONSUMER REPORTING AGENCIES which are XXXX and Equifax exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy, the consumer would be myself. 

According to the Privacy Act of 1974 ( 5 USC section 552a ) b ) Conditions of disclosure- No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 

Consumer reporting agencies Equifax and XXXX DO NOT have my consent to furnish this information and they DO NOT have my written consent. All consent to Equifax and XXXX ( Furnisher of information to credit agencies ) Whether its verbal, non-verbal, written, implied, or otherwise is revoked immediately. 15 USC 6802 ( b ) ( c ) states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

( Furnisher of information to credit agencies ) never informed me of my right to exercise my nondisclosure option. Under 15 USC 1681c Information excluded from consumer reports- ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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.

Lastly, 12 CFR section 1016.7 states A consumer may exercise the right to opt out at any time. Please note that I am opting out of your reporting services. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Ive sent a certified letter in the mail asking Experian to delete all inaccurate personal information reporting on my credit report including wrong addresses, incorrect spelling of names, etc. while they have a tab online to dispute this matter it doesnt work and just keeps spinning. It never takes you to the next page. This is done intentionally and has caused me significant damage in which Im seeking monetary compensation for the delay damages if this matter isnt resolved in the next 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX have 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 2023-07-18
Company: EQUIFAX, INC.
State: TX
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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Transunion has been given the proper documentation to stope reporting and delete the negative information on my credit reporting. All three credit bureaus failed to provide the proper investigation in regards to this matter. I spoken with a supervisor at Transunion by the name of XXXX XXXX and he said that Transunion have no control over whats being reported and that I would have to reach out to the companies that is doing the reporting. I have reached out to both XXXX XXXX XXXX as well as XXXX XXXX. Both companies assured me that they were not reporting anything to the credit bureau. Transunion representative said they XXXX XXXX XXXX was telling a bold faced lie, and that they were reporting negative results on the back end. If the credit bureaus know the Information is falsely being reported, and I have provided them with the proper documentation why continue to report the information thats be requested to be deleted. They never reached out to XXXX XXXX to confirm any of my information. The only information that the credit bureaus are accepting verbally over the phone is what XXXX XXXX XXXX is telling them. XXXX XXXX XXXX sold my account with all my personal information to another third party company without my permission. XXXX XXXX XXXX doesnt want to provide me with any form of documentation to release me from their system. They flat out told me no. Thats not right.

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 2022-12-19
Company: EQUIFAX, INC.
State: PA
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:
following accounts are incorrect, and they are adversely Affecting me DEBT Of ED - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation