BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-17
Company: Experian Information Solutions 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 XXXX 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 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 explanation
Consumer complaint received 2022-07-17
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 # XXXX 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 an 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 2017-09-05
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I made payments to XXXX XXXX XXXX for over a year to which they never reported. I have contacted them this many times over the last two years. They said there was an issue with my name and that it was coming up twice. They initially asked for a copy of my drivers license and social security card which I provided. They then began asking for marriage certificates and divorce decrees but when asked which ones proceeded to instruct me to call the credit bureau as they could n't help me. I made my payments on time or early and sometimes made over payments.and want this to reflect on my credit as it caused me to have a higher APR on my new car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report ' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They did not do this. Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 


The Credit bureaus stated XXXX XXXX XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 2022-02-18
Company: ID Analytics, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am a victim of identity fraud and I will like to freeze my report and remove all inaccurate information from my report. 

My Correct name is : XXXX XXXX XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: CBC Companies, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am a victim of identity fraud and I will like to freeze my report and remove all inaccurate information from my report. 

My Correct name is : XXXX XXXX XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Navient Solutions claims to have paid XXXX for student loans in XX/XX/XXXX-XX/XX/XXXX. My records indicate that XXXX Consolidated loans from XXXX and XXXX which coincides with my records. XXXX has buying the loans from Navient Solutions. I did not receive a XXXX from this company for the tax years they claim

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeatedly calling my number for a person not at this number. Have told them they have the wrong number but still calling but not responding to my " hello ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report ' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They did not do this. Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 


The Credit bureaus stated XXXX XXXX XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 2021-04-14
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:
There is an account on all 3 bureaus and its not mine. I have been not given any investigation results or information as to why it's on there still.

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 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 did not authorize to consent to nor benefit from the following account ( XXXX ). Block and Remove

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02
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: Investigation took more than 30 days

Complaint:
I have submitted two letters to Equifax regarding a dispute and this still has not been resolved. Most recently I have sent another letter via certified copy and EQUIFAX has yet to resolve this account or even provide an update with a resolution. 
Being that this is my third request, and it has taken more than 30 days I request to have this account removed from my Equifax credit report immediately. 
Additionally, Equifax identified me as a data breach risk and being that this is the case Equifax should be removing this account ASAP!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-17
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Years ago, my girlfriend and me opened up a checking account with SunTrust. With the merger with BB & T, they are now Truist. My SunTrust debit card was good until the end of XX/XX/2023 and my girlfriend 's card had an expiry date further away than that. In XXXX, Truist sent us Truist debit cards with instructions on how to activate them. There was nothing mentioned about our SunTrust cards being cancelled or that there was any sort of timeframe to activate these cards by. We decided we would continue using our SunTrust cards that were still valid because they offered XXXX as a payment service, which can sometimes be helpful when merchants are having issues with XXXX. A couple of weeks ago, I tried to use my SunTrust card to pay for a couple of games online. It told me, the card was declined. When I called Truist, the customer service representative told me the card had been automatically cancelled back in XXXX. We received zero notice that our SunTrust cards were going to be cancelled and the customer service representative told me, it was automatically done and there was nothing she could do. I asked for a supervisor. She told me one would return my call the next day, which never happened. I tried calling back on 3 different occasions, to wait more than 2 hours on hold to get hung up on as soon as the call was answered. 

As a XXXX XXXX person, the raised numbers and letters on my SunTrust card was much more useful to me. What really irks me off though is, that there was no notice at all in regards to our old cards being cancelled and customer care just kept repeating, there was nothing they could do until I asked for a supervisor, which I never got a call back from and have not been able to reach anyone at Truist customer care since.

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 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 did not consent to authorize nor benefit from the listed account ( XXXX ). XXXX and Remove

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 2022-02-18
Company: Experian Information Solutions Inc.
State: GA
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 did not consent to authorize nor benefit from any of the following account ( s ). Block and Remove

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 2021-04-14
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: Information belongs to someone else

Complaint:
I have two accounts that are showing up on my credit report and they do not belong to me I have started my dispute process back in XX/XX/2020 and nothing has yet been done for this I have also filed a FTC for these two accounts and send them in to the bureaus and again nothing is being done about this please help me out. 

XXXX - XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Experian Information Solutions Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed XXXX XXXX for equipment I mailed it all back and paid the final bill the collection agencies will not take it off my 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 non-monetary relief
Consumer complaint received 2022-07-17
Company: EdFinancial Services
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX XXXX  XXXX ( XXXX XXXX VETERAN, XXXX XXXX XXXX. ) XXXX ACCOUNT # : XXXX PREVIOUSLY AWARDED DISCHARGE ; CORPORATION CATOGARIZED AS TRANSFER AND ASSUMED LOAN ; 1996 CASE INVOLVING SAME TRANSACTION RESULTED IN SEVERAL PERSONS VEING CONVICTED AND SENTENCED -- -- XXXX XXXX XXXX XXXX XXXX XXXX INSIDE PRISON -- CASE NOT PENDING; SAME TRANSACTION SAME PERSONS ADJUDICATED. 

XXXX APPLICATION SUBMITTED TO XXXX XXXX, XXXX, DEPARTMENT OF EDUCATION XXXX ACCOUNT # XXXX ... 

Criminal possession/redemption of land deed and plattt ; not excluding US AND FOREIGN CURRENCIES WHICH RESULTED IN FALSE FINANCIAL AND CORPORATE SECURITIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over 35 days and you are still reporting these bankruptcy without permission and that is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-17
Company: HUNTINGTON NATIONAL BANK, THE
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX I tried to withdraw {$500.00} from a Huntington Bank ATM at XXXX XXXX XXXX, XXXX, OH XXXX, but the ATM failed to dispense cash. I inserted my debit/ATM card and followed the instructions but the door that opens to dispense cash failed to open after making noises. A message then displayed on the ATM 's screen saying my transaction has been cancelled. However, the withdrawal still showed up on my account when I checked online. 

I walked into the bank branch where this ATM is located and spoke to the branch manager, XXXX XXXX. I was told by XXXX that this particular ATM was managed by another company and they had no control over it. Please note there was a second ATM at this branch that was managed by this branch according to XXXX. XXXX asked me to talk to an employee who opened a dispute for me. 

The same day I called the bank 's customer service line and was given XXXX XXXX XXXX for this incident. 

On XXXX I called the bank 's customer service line and was told the case had been closed by the bank because questions had not been answered. Please note I had not been asked any more questions or contacted by the bank since my last call. The bank has my contact information on file. 

Between XXXX and XXXX I called the bank 's customer service line twice and on both occasions the call was disconnected as I spoke to their representative. I called the branch in XXXX and spoke to an employee twice but never heard back regarding this issue. 

On XXXX, I called the XXXX XXXX again and spoke to XXXX, who said she will open a new case and gave me XXXX XXXX XXXX. XXXX said she will call me by Friday XXXX but did not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-05
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:
On XX/XX/XXXX, I purchased a car from XXXX XXXX which resulted in receiving two hard inquiries on my credit report. One from XXXX XXXX and the other from XXXX XXXX. However, I noticed a month later that Transunion is showing a second hard inquiry from XXXX XXXX on XX/XX/XXXX. I contacted XXXX XXXX and after several hours of speaking to numerous reps, I was told that this inquiry was never done by them and that I would need to contact Transunion. I contacted transunion and was told to get a letter from XXXX XXXX in order to remove this inquiry. This is complete fraud and I have become a victim of inaccurate reporting. XXXX XXXX will not send me a letter Because they 're saying they did n't request my credit report on that date. Transunion is not removing the inquiry stating that I need a letter from XXXX XXXX. Their next excuse to not remove the inquiry is that more than 1 hard inquiry reported within 30 days for an auto mobile does n't effect my credit score. This is complete fraud. I want the hard inquiry from XXXX XXXX on XX/XX/XXXX to be removed right away from my credit report whether it affects me or not. Under FCRA, I should be protected from being punished for something I did n't do. No other credit reporting agency is showing this hard inquiry. I need your help to have this inquiry removed as I have worked so hard to keep my credit report clean. Thank you.

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 2018-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was going through my credit report & noticed there were couple of late payments listed for my 2 capital one credit cards which I wasn't made aware. I made payment on-time every month and i did not received any past due amount. 

Late payments listed below : XX/XX/XXXX -30 days ; XX/XX/XXXX - 30 days ; XX/XX/XXXX - 60 days ; XX/XX/XXXX - 30 days ; XX/XX/XXXX -30 days ; XXXX -60 days : XXXX -30 days Please kindly update those payment above to show paid as agreed. 

Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hard inquiry appears on my credit reports - Transunion, XXXX, and XXXX, however this inquiry was unauthorized. I attempted to notify the company directly, however they have been unresponsive.

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 2022-07-17
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Chase erroneously charged me interest on my credit card for over a year even though I pay my bill in full each month. When I brought this to their attention, they agreed the charges were incorrect and would credit them. Chases crediting does not seem to include all of the erroneous interest changes. Additionally, since they changed me an additional $ XXXX that I timely paid to them, I should receive interest on the funds that they held of mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-17
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Consumer Finance, Per the attached letter from XXXX  XXXX, and the prior complaint number XXXX, Equifax is to remove all the late pays from my XXXX  XXXX account ending in # XXXX. Please have this handled immediately as its damaging my credit and affecting me from obtaining a home loan. Thank you.

Company response to consumer: Closed with explanation