BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-11
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # ending 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 non-monetary relief
Consumer complaint received 2023-05-11
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:
Please remove this inquiry from my credit report as it is not associated with me in any way.

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: I.C. System, 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 filed a dispute in regards to the inaccurate items in my credit report. It has been well over thirty ( 30 ) days and I haven't received any investigation results...

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 2022-06-23
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXXt Account # XXXX XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX 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 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 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 number XXXX, The Bureaus Account number XXXX, XXXX XXXX XXXX Account number 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 602 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 non-monetary relief
Consumer complaint received 2019-02-16
Company: Navient Solutions, LLC.
State: ID
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:
department of education navient said i was 160 days late on my loan during a time in which my loan was in deferred status while i was awaiting approval for XXXX combat veterans loan forgiveness and if approved it backdates from the date of XXXX which was before i even went to school so i placed my accounts in deferment XX/XX/2016 lasts for 6 months then i added another one around XX/XX/2016 so i couldn't have been late and after that i was approved for the loan forgiveness but the negative marks still are there i disputed it roughly 6 times with the 3 credit bureaus and within a week they came back as it was verified i asked how they never responded. so i disputed it with navient and was told they couldn't delete the late payments only the bureaus could which is a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX  date XX/XX/21 Sold to XXXXXXXX XXXX XXXX  account XXXX balance is {$520.00}. 

In accordance with the Fair Credit Reporting act 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 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
These are incorrect addresses that I have never lived at on my Transunion report : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2022-06-23
Company: Experian Information Solutions Inc.
State: IN
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 have hard inquires on my credit that I didn't allow to be on my credit. 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 2022-06-23
Company: Convergent Resources, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter stating that I owe debt from XXXX  which I have idea where its from. I did authorize that transaction or use my social security # for that XXXX XXXX phone and possibly debt that Im suppose to owing.

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 2023-01-26
Company: Global Lending Services LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
At the start of the year me and my girlfriend got a car from a used lot. It was our first car purchase ever. Unfortunately we were lead to the XXXX  that they claimed was a steal for the price. It was listed at {$34000.00} but after it was said and done it ended up at {$42000.00}. The only issue is when we were running our credits I had none and my girlfriend had a score in the 500s, we shouldnt have been able to get that car. I made {$2800.00} a month and my girlfriend wasnt working. After paying my monthly payment, gas, insurance, rent, and food. We were almost negative monthly. It clicked to me that during the credit runs XXXX XXXX from XXXX XXXX XXXX, told us he told the lenders we made {$4000.00} each a month. This didnt click to me as a bad thing cause I got my dream car. Now Im {$15000.00} in debt to a company that the salesman lied to. Global Lending LLC, they are the lenders we owe. We dont blame them as our salesman lied, he may try blaming us but we showed him our bank accounts and money flow.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
CFPB, PLEASE STOP CLOSING ALL MY COMPLAINTS AND MOVE IT FORWARD. NOT RIGHT YOU ARE VIOLATING MY RIGHTS AS A CONSUMER. HARD ENOUGH TO FIGHT WITH THE CREDIT BUREAUS AND NOW WE HAVE TO FIGHT WITH AN ORGANIZATION WHO IS SUPPOSED TO HELP US. I HAVE SENT CERTIFIED RETURN RECEIPT TO XXXX and no word back, so I am assuming the are agreeing with my findings. 

TO WHOM IT MAY CONCERN : I am a military member XXXX XXXXXXXX XXXX. After review all XXXX credit reports, I am demanding the below account be removed immediately as it completely inaccurate for the following reasons : a. The type of loan is not accurate as its a credit sale NOT Loan as shown on my credit reports. 
b. The loan is listed as charge off which is not accurate. It was sold. 
c. Current balance or owe balance is also incorrect as you can see what XXXX detailed payments. See attached document by XXXX XXXX. The remaining balance is {$11000.00} NOT {$11000.00} as you have reported. 
I have disputed with the credit bureaus and sent by certified mail with return receipt. Please see attached copy. 
Im exercising my right under the Fair Credit Reporting Act and right under the fair credit and billing act as to what right the company has to collect? I am requesting further information about items on my credit report. I am requesting full validation. 
XXXX XXXX Balance on XX/XX/2019 {$11000.00} Original loan amount {$25000.00} Account numberXXXX I wish to see the original sources of the information reported. If you cant provide me with this information, please remove these account or correct as in good standing immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 
Based on the FCRA and FTC Law, and Fair Credit and Billing Act all information must be accurate, no errors and verifiable.

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

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 2022-06-23
Company: Experian Information Solutions Inc.
State: IN
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 Have a hard inquire that i didnt allow to be on my credit. 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 2022-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A merchant I used to make an online hotel booking advertised that the booking could be cancelled for free throughout the online booking process and on my receipt. However, this company did not disclose a 38 % service fee until after charging my Capital One credit card. I immediately cancelled the reservation after seeing this service fee on the receipt. 

The merchant refused to refund my money when I contacted them. At that point, I contacted Capital One to dispute the charge. Capital One notified the merchant of the dispute. The merchant replied with documentation that was not shared with me. All I received was the attached " Capital One-Letter 2 '' from Capital One requesting documentation backing my dispute. I provided the attached " Dispute Letter '' which includes a receipt and cancellation confirmation, both of which clearly state " Free Cancellation '' in bold orange type at the bottom of page XXXX of each respective document. 

Within hours of me providing this documentation, Capital One provided attached " Capital One-Letter 3, '' stating I did not provide them with the requested information and that were closing the dispute and applying the charge to my account. 

Upon receiving this final letter from Capital One, I called the company directly asking for further explanation and/or opportunity to provide additional information. They still denied the dispute without providing any documentation to back the claims of the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: SC
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00} XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXX XXXXXXXX Balance Owed : {$720.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXXXXXX Balance Owed : {$7300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$550.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXX XXXXXXXX Balance Owed : {$720.00} XXXX XXXX XXXXXXXX Balance Owed : {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-12-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I went to XXXX XXXX on XXXX XXXX to withdraw money from their XXXX XXXX for rent. I frequent here & have never experienced this ATM or another, yet as I was counting the money that was coming out another {$200.00} came out & 3 seconds later returned to the machine. However, I received a receipt for that {$200.00} that I didnt even get! I informed the XXXX at XXXX XXXX XXXX employees who could do nothing & told me to contact XXXX XXXX Im not a customer there so when I called they said contact my bank ( mywisely ). XXXX said theyd do an investigation that would last approximately no more than 40 days. On XX/XX/XXXXXXXX  I called & they informed me they turned down my request & that I could resubmit another request. ( But Im not waiting another 40 days for the same answer when apparently they dont do a real investigation ) I dont have any proof they asked for except the faded receipt stating I got the money that I didnt receive. Also, I could try to go the store & see if they can show the cameras or remember me. Additionally, my mother in law is a witness as I informed her that day. But Im not losing my {$200.00} to no wealthy bank I needa my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received my XXXX XXXX  bill in XX/XX/XXXX what indicated that my taxes were not paid in XX/XX/XXXX. My XXXX XXXX were paid from my XXXX XXXX as per my XXXX XXXX in XX/XX/XXXX. I contacted XXXX XXXX mortgage department on XX/XX/XXXX, submitted taxes bills I received and they opened an investigation case what they said should be completed within 14 business days. 
On XX/XX/XXXX I contacted bank to check on the incident progress and was told that there is no updates and was advised to contact XXXX XXXX regarding taxes paid in XX/XX/XXXX. I I contacted XXXX XXXX billing on XX/XX/XXXX and was told that my bank sent taxes in XX/XX/XXXX to the incorrect taxes parcel # XXXX XXXX sent payments back. I contacted bank again and provided this information. Bank confirmed that they have incorrect taxes parcel # on my account, claimed they corrected XXXX XXXXr and will process taxes as soon as possible. 
On XX/XX/XXXX ( 14 business days since my case was opened at the bank ) I contacted bank since I did not see any XXXX XXXX were made from the my escrow account, neither payments made in XX/XX/XXXX were reimbursed to my XXXX XXXX. Bank stated that they will not be able to send taxes by the end of the year and suggested I pay taxes myself and they will reimburse after they run escrow analysis with corrected taxes information. Bank also said they will cover all late fees and any other fees I pay. 
I payed my taxes, $ XXXX in total on XX/XX/XXXX with my credit card issued by the same bank and submitted payments receipts to the bank as they requested. 
I contacted bank on XX/XX/XXXX to follow up on my XXXX balance ( what showed {$0.00} online even though I pay {$600.00} every month to XXXX ) and XXXXt and apparently the bank did nothing. XXXX XXXX was not run, payments made in XX/XX/XXXX to the wrong XXXX XXXX # are not back to my escrow and none of late fees and processing fees were reimbursed to me or to my escrow. I was told by bank that they will run XXXX XXXX  in XXXX, but regarding XX/XX/XXXX incorrect payments and fees I have to contact taxes department and open the case again. I asked bank whether they can give 0 % APR for my credit card for few month till they resolve the issue and send me extra $ from my escrow back, but they said nothing they can do and suggested to open new credit card in other bank and do balance transfer.

Company response to consumer: Closed with explanation