BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The XXXX XXXX XXXX ending in XXXX has an incorrect balance.

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 2022-07-02
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These medical bills were never submitted to my insurance. I opened a ticket with my insurance company, XXXX XXXX XXXX XXXX, and shared it with the collections company. I have told them numerous times that XXXX has no record of the charges and they need to be resubmitted. The collection company refuses to engage or do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Bank 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/, I XXXX XXXX, applied for a XXXXXXXX Navy Federal unsecured, revolving credit card. I was denied and received an email stating their denial and that they will send out a letter stating why I was denied. 

Adverse Action letter was never sent out to my home address XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is in direct violation of Equal Credit Opportunity Act 12 CFR 1002.9 " A creditor must notify an applicant of action taken on the applicant 's request for credit, whether favorable or adverse, within 30 days after receiving a completed application ''. They did, however, send me advertisements which discouraged me from applying to another one of their credit cards and have also sent me a letter stating that I am now an authorized user on my father 's Navy Federal Credit Union 's credit cards. The fact that they are sending me propaganda is also in violation of ECOA 12 CFR 1002.4 and further shows that this is not a case of inadvertent error or technical, printing error or any other technicality otherwise implied. Navy Federal has been able to send me without any problems other postage but negligently failed to send me a proper adverse action letter as mandated by consumer law. 

I have sent them on XXXX XXXX XXXX more than 30 days later certified mail with a return receipt hardcopy of a Notice of Failure to provide Adverse Action letter. I am attaching a scanned copies of this letter on this complaint form with certified mail receipt, as well as the propaganda sent to me recently, and the letter stating that I am an authorized user on my father 's credit line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2022-09-22
Company: EdFinancial Services
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have several loans administered by EdFinancial. This includes direct federal loans ( accounts beginning with an " F '' ) and commercial loans ( accounts beginning with a " C '' ). In XXXX of this year I applied for federal direct consolidation of 2 of my commercials loans. This consolidation has been mishandled twice. While they fixed their first mistake, they refuse to fix their second mistake. The consolidation that I applied for consolidation of two of my commercial loans with balances of {$4700.00} and {$4500.00} respectively, with interest rates at 6.8 % ( the new consolidated direct loan was to have a balance of {$9300.00} with a 6.8 % interest rate ). I had several additional commercial loans that were not involved in the consolidation. The consolidation was approved on XX/XX/2022. 

The first mistake that EdFinancial made was that, when disbursing the payoff amount on the commercial loans, they distributed the money across all of my commercial loans, instead of the two loans that were to be consolidated. After several days of prodding, they finally admitted their mistake and re-disbursed the funds correctly. At this point, everything was OK. But, several weeks later ( XX/XX/2022 ), an additional {$2100.00} payment was mysteriously made on my remaining commercial loans ( those that were not included in the consolidation ). This balance was then added onto my consolidated federal loan bringing its balance to {$11000.00}. 

I never consented to additional loan consolidation beyond the {$9300.00} that I agreed to in my application. Moreover, a portion of the {$2100.00} in commercial loan principal that they moved from my commercial loans onto my direct consolidation loan had a lower interest rate of 6.0 %. By moving this principal to my direct consolidated loan, they effectively raised the interest rate on that portion of the principal by 0.8 %. 

The only correct response would be for them to remove this {$2100.00} from the consolidation loan ( as it was never part of the consolidation ) and to re-distribute it back onto the commercial loans where it belongs. However, I brought this up to the company and they opened an investigation, but later closed the investigation after about a month without informing me and without fixing this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: IL
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 XXXX paid in full tried to dispute XXXX XX/XX/XXXX paid in full tried to dispute Security finance XX/XX/XXXX to old to be on my account tried to dispute XXXX XXXX light XX/XX/XXXX, XX/XX/XXXX two different dates tried to dispute Car credit city XX/XX/XXXX, XXXX XXXX tried to dispute to old to be on my account Extra XX/XX/XXXX do not recognize this account tried to dispute XXXX XXXX XX/XX/XXXX paid in full tried to dispute

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 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/22, I asked that TN child support provide me a certified copy of their final forensic audit and complete audit trail of my child support account. I needed verification of the audit debt entry in accordance with XXXX, and also proving compliance with XXXX Matching Principles, and in accordance with IFRS, and in accordance with XXXX XXXX, and in accordance with Accord and XXXX Conventions. I requested that they show me the full double-entry bookkeeping accounting ledger, but that was not done. I advised XXXX of this matter on XX/XX/22. Because TN child support could not provide the information, XXXX MUST remove TN child support from my credit report. Thanks.

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 2022-08-29
Company: Radius Global Solutions 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:
In accordance to the fair credit reporting act, Radius Global solutions ( 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 : states a consumer reporting agency can not furnish an account without my written instructions. 

I noticed an address on my credit report that doesn't belong to me. I have never lived at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I tried to inform credit bureaus of the address on my file where I have never resided. They told me I have to contact the collection company. After multiple attempts, I was finally able to contact Radius Global Solutions and they refused to remove this inaccurate information from 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 explanation
Consumer complaint received 2022-09-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
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 filed an unauthorized dispute for the merchant XXXX XXXX. USAA issued a credit to my account THEN allowed the merchant to debit my other account with USAA without my authorization. I believe the XXXX  Unit of USAA offset my other account as I never provided the merchant with the account numbers associated with my main account. 

I know in the past USAA has been fined by the CFPB and OCC due to their failure to protect consumers in the past. When I contacted USAA, they provided me the disclosure for debt collection as these transactions overdrew my account. USAA has failed to protect consumers in the past and failed to protect this consumer in the present. After being advised that this account could go into collections or other derogatory actions, I requested USAA to transfer the funds from my checking to my savings to bring the balance to XXXX  and have the account closed. I had no other option, they failed to protect me as a consumer. I had over XXXX  on the date of my call ; why would I want to pay OD fees for transactions of {$24.00} and {$26.00}? I think there was a mistake by USAA regarding my XXXX XXXX, but I will file a separate complaint regarding XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
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.

has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: GA
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:
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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2022-07-29
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have repeatedly requested the credit agencies to remove the unknown and incorrect addresses from my consumer report, yet they still remain. Pursuant to 15 USC 1681 ( a ) ( 1 ) - the banking system is dependent upon my consumer report being fair and accurate. After reviewing my consumer report, it has come to my attention that XXXX continues to report inaccurate information was furnished, and I was never notified during the company 's initial investigation that they were going to report this 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 2022-09-22
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 XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  ) Account # XXXX, XXXX  Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX ) Account # XXXX, XXXX  Account # 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 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 2022-06-08
Company: CCS Financial Services, 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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 CREDIT COLLECTION SERV # XXXX ( 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

15 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 filed a complaint with the CFPB on XX/XX/XXXX, about repeatedly writing to transunion fraudulent inquiries on my credit report. As of today all of those fraudulent inquiries have been removed except for three. XXXX. XX/XX/XXXX, XXXX XXXX. XX/XX/XXXX and XXXX XX/XX/XXXX. I spoke with transunion fraud department today about those three fraudulent inquiries left on my report and was told I did not include them in my complaint filed on XX/XX/XXXX,...... please see complaint

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 2022-07-02
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been at Citibank For over Several Years and During Pandemic Crisis in 2019 I had Submit to a financial Institution to Prove My addrees and was rejected Because they blocked my account online. I went to their branch in XXXX XXXX at XXXX and inform the teller that my intention is to close the account and Draw My {$600.00} Balance. The teller requested to call XXXX and I was on the phone for over XXXX hours with the Fraud prevention dept they denied me to close the account and withdraw the {$600.00} and refused even to mail me a check to the address on record which I do receive my monthly statement. Account # XXXX. I had even offered to transfer it to my saving account with them because that account is not blocked unless they will block it later.

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 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On or around XX/XX/2022, I received a text notification from my bank JP Morgan Chase stating that a purchase was made through XXXX. I replied back to Chase through text message stating that the purchase being made was not me. I logged into my Chase account and noticed that numerous purchases were made totaling up {$1100.00}. I called Chase customer service and notified them that the XXXX purchases on the account were fraudulent. Chase customer service froze my account. 3 days later Chase reissued my money. A week later Chase withdrew the money back. I call customer service again asking why they withdrew the money. Chase stated that they did an investigation. Their investigation consisted of calling XXXX. XXXX stated that the items that were purchased were signed and delivered by XXXX to my address. I informed Chase that that was false. I have a video doorbell and i can send them the video footage of the day and time that XXXX stated that the packages were signed and delivered. Chase stated that they can not take the video as evidence. So, I went to XXXX headquarters with all the tracking numbers. I was able to get the addresses that the items were actually delivered to and the names of the person who signed for the packages ( which was not me ). I went to the police station and made a report and gave them all the evidence i gathered. They started their own investigation. I called customer service for about the XXXX or XXXX time now. Informing them with all the new evidence and the police report. Chase customer service stated that the time frame of the investigation has lapsed and they exhausted all their resources. As far as XXXX, I was unable to open up an investigation because I went to a Chase Bank first and therefore they can not help me.

Company response to consumer: Closed with monetary relief