BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-30
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 fraud alerts or security freezes

Complaint:
I'm a XXXX XXXX XXXX  returning to the XXXX after being assigned overseas for XXXX years. As I've been the victim of identity theft previously, I froze my credit around XX/XX/2020 before going overseas. Now that I'm returning and trying to get re-established in the XXXX, I've unfrozen my credit with XXXX and XXXX with no issue. TransUnion refuses to unfreeze my credit report and this has already prevented me from opening a mobile phone account with XXXX 

I created an online account with TransUnion and attempted to unfreeze my credit report through it. This resulted in an error. I then contacted them by phone and spent 30 minutes with multiple agents trying to unfreeze my credit report. Finally, they told me that my only option for them to release my credit report is to mail them hard copies of my bank statement and other sensitive ID documents in order for my credit report to be unfrozen with them. They are holding my social security number XXXX until I go to an office center, pay to use a computer, printer and copy machine, then go to a post office to purchase postage and an envelope. And only 5-7 business days after this information is received by mail will they consider releasing my credit report for use with mobile phone companies, real estate agencies, and other basic services which require credit checks.

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 2022-09-26
Company: DISCOVER BANK
State: GA
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 spoke to Discover to advise them that I had not opened the account. I also let them know that my husband had not opened the account either. I told them that they had removed the account from his file. But on my file they closed the account, and now they are reporting it 60 days late. Even though they were informed that i did't open the account. The got angry and closed my sons college account with them because I filed the complaint. Now I'm requesting that they remove the account from the the credit reporting agencies. Due to I didn't open the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-30
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
We received XXXX XXXX XXXX  debit cards for XXXX XXXX and both of them have no money on them. These XXXX XXXX  debit cards reference the XXXX Each instance is outlined below for each card we received that we suspect fraud/theft on. 

Card number XXXX XXXX XXXX XXXX I opened the packaging for this card on XX/XX/XXXX and went to XXXX to see the balance of the card as this was the first time I was going to use it. The card balance was a {$1.00} which seemed odd for a balance of a card never used. I then went to the balance inquiry for the month of XX/XX/XXXX and it showed the card being loaded in XXXX NC XXXX on XX/XX/XXXX for {$150.00}. My wife 's sister lives in XXXX NC so this transaction makes sense. We live in XXXX Oregon at XXXX XXXX XXXX XXXX XXXX, OR XXXX. Then the transaction history shows a purchase of {$140.00} in XXXX XXXX CA XXXX which is a place I have never heard of or have been too. The transaction happened for a purchase at XXXX. This is clearly a scam in terms of hackers and we never received the benefit of the {$150.00} gift card. 

Card number XXXX XXXX XXXX XXXX I opened this card a month ago in XX/XX/XXXX and tried to use it in the store. This card was a {$100.00} XXXX XXXX  debit card. I have tried the card several times and tried to see the card balance on prepaidgiftbalance.com as instructed by the sticker on the card. I enter the card number to log in to their website and the website won't recognize the card. The card does not work and may have never worked as i suspect the card number was stolen during the holiday season of XX/XX/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 2022-09-02
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  # 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 2022-07-30
Company: Experian Information Solutions 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:
This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item 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, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX, XXXX XXXX Balance {$1600.00} XXXX XXXX Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXX XXXX XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXXXXXX XXXX XXXX XXXX of Inquiry : XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Inquiry Date 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 2022-12-07
Company: Rocket Mortgage, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I refinanced my home loan with Rocket Mortgage in XX/XX/2020 after having my loan with XXXX XXXX for over 10 years. Everything went fine until I noticed the mortgage insurance for {$1000.00} a year. I called and spoke with XXXX and I was told I had to pay that for at least another 10 years. I really wish they would have mentioned this during the process. This is going to cost me {$10000.00}. More then I saved refinancing my loan. I think this charge should be taken off my loan. My house is worth XXXX the mortgage amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
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:
Asked credit companies to do verification. They did and I found inaccuracies on my end. 

In accordance with the fair credit reporting act XXXX XXXX XXXX  has violated my rights.

15U.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 INSTRUCTION

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 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX agreement number : My XXXX account is reporting a inaccurate balance. My principal balance is XXXX. My credit report with XXXX, TransUnion or XXXX does not reflect this balance. My statement will be included with this letter XXXX bank XXXX XXXX. ending in XXXX My XXXX bank XXXX XXXX  has not been updated by XXXX bank since XXXX 2022 with the credit reporting Agencies due to a system update that went bad. My current balance is {$0.00}. My statement will be included with this letter.

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 2022-09-26
Company: Navient Solutions, LLC.
State: AZ
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:
As per 15 USC 6827 ( 3 ) " The term document means any information in any form. '' The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumes of their information sharing practices and provide for a right to opt out of certain sharing, In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt-out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( le XXXX, XXXX XXXX XXXX ) XXXX 

According to 15 USC 6809 ( 4 ) ( A ). The term " nonpublic personal information '' means personally identifiable financial information Provided by a consumer to a financial institution Resulting from any transaction with the consumer or any service performed for the consumer ; or Otherwise obtained by the financial institution.

Further, pursuant to 15 USC 6809 ( 5 ) the term " nonaffiliated third party '' means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

Therefore, as per the literal interpretation, the organization named XXXX, XXXX, and XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802. 

In case your Company admits that the organization named XXXX, XXXX, and XXXX is affiliated, it has still violated the provisions of FCRA ( Fair Credit Reporting Act ). 


UNDER 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ), the Consumer Report will not include any information communicated among persons related by common ownership or affiliated by corporate control. 

Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( ill ) states that if the Company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons. 

Therefore, your Company has not only infringed my right to privacy but also violated multiple Federal Laws. 

I hereby request you to remove the below-mentioned information from my Consumer Report ; DPT EDXXXX XXXX NAVIENT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
THE INFORMATION PRESENT ON MY CREDIT REPORT HAS NOT BE APPROVED OF VERIFIED BY ME In accordance with the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 section 602 A STATES : YOU NEED TO PROTECT MY PRIVACY. 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S.C. 1681 section 604 A Section 2 : STATES : I NEED TO PROVIDE WRITTEN INSTRUCTIONS ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates

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 2023-11-02
Company: Consumer Portfolio Services, Inc.
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I am struggling financially and need to surrender my vehicle back to the company, i do know i am liable for the remainder of the loan until either settled or paid in full however i have been getting voicemails that are not limited content messages, they are saying the year make and model of my vehicle, that they are calling for broken arrangements, my account is going to loss prevention and these are all things that under the limited content message rule should not be left on a message. I am not sure if they do the XXXX testing but this is an important rule for collection companies to let their employees know. 
When i did talk to a rep XX/XX/23 she advised to me that they can say anything over the voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: NY
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 fair credit reporting act XXXX  Accounts, Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Has violated my rights. 

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 2022-07-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am filing a complaint against XXXX, XXXX and XXXX. The credit companies are not complying with their own policies in a timely manner. It has been 30 days ( XXXX XXXX ) since I sent letters to XXXX, XXXX and XXXX asking for verification information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX, XXXX and XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that are posted on my credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. Under federal law, credit bureaus have 30 days to complete the investigation. I am filing a complaint that due to exceeding 30 days without verifying the the original consumer contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Resurgent Capital Services L.P.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account number XXXX has violating my rights. 

15 USC 1681 section 602 states I have the rights to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency cant furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under any open-end in your consumer Credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Thaxton Investment Corporation
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account number XXXX has violating my rights. 

15 USC 1681 section 602 states I have the rights to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency cant furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under any open-end in your consumer Credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My insurance company, XXXX XXXX, told me that all of my ambulance rides would be paid by them. I contacted the original biller, XXXX XXXX XXXX, to let them know and to resubmit their claIm to XXXX through the address that XXXX provided. XXXX was supposed to pay the claim. I do no have the amount in front of me, but I believe it was for {$2000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
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: Investigation took more than 30 days

Complaint:
When I looked for my name on the Internet, I discovered that some of my personal information was being utilized without my permission. My information was gathered by an aggregation website, which encouraged me to examine the website 's FAQ section before contacting around nine separate websites. I was ashamed by the fact that I had to request that my items be taken, as I respect my privacy. I discovered unauthorized fraudulent accounts on my credit record ; I would like these accounts to be erased and rectified. Remove any fraudulent and bad accounts from my credit report. This has impeded my capacity to obtain financing. I am making every effort to regain control of my life. Please help me eliminate any bogus accounts. Please inform me of any other steps that can be taken to remove these accounts 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 non-monetary relief
Consumer complaint received 2022-12-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/2022 tried to access my account online. Stated I had tried to access it to many times- then another error message displayed that said it wasnt registered. Clicked link for reset- only option was reset login info & not password. 
Reset page asked for full social Security number and full account number and full name and DOB.

On a previous request at branch to fix similar prior issue due to website stating I had not registered my account. The passcode they gave did not function.

Someone keeps unregistering my account.

There also appears to be no security for online resets. No two step authentication methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Diversified Acceptance Corporation
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: Problem with personal statement of dispute

Complaint:
LATE PAYMENTS In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under : - 15 USC 1681 section 602 states that I "... have the right to privacy. '' - 15 USC 1681 section 604 A section 2 also states that : " ... a consumer reporting agency can not furnish an account without my written instructions. '' - Under 15 USC 1666 B : " ... creditor may not treat a payment on a credit card account under an open and consumer credit plan as late... ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: CHECKredi of Kentucky, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Contacted the company after receiving a letter advising that an extra fee was required as the item was returned. After speaking with my financial institution was advised that original merchant had not attempted to process the payment. Checkredi advised that they do not dispute debts an that there was nothing that could be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Experian Information Solutions Inc.
State: LA
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:
I have reached out to ALL 3 credit bureaus- XXXX XXXX Experian XXXX XXXX XXXX times to have this account ( XXXX ) with ( XXXX- name reported on my credit report ). The first time was for them to verify this account and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, DATE OF LAST ACTIVITY, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the 3 credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE.

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