BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX XXXX has multiple late payments notated on my credit report. These payments were made on time and the loan is now paid off. XXXX has failed to report any payments since XX/XX/XXXX. These late payments should be updated to on time and my account should show as closed in good standing. 

Late payments that should show as on time include : XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ; and XX/XX/XXXX 

I contacted XXXX XXXX on XX/XX/XXXX to ask that they update this information and paid off the loan completely. I now have the title and the note from XXXX saying my account is closed in good standing, but reporting to credit bureaus has not been updated. I am filing a complaint to update these late payments as on time and close this account in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C. 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2022-06-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXXXXXX  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 2023-05-11
Company: EQUIFAX, INC.
State: MS
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 # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Please make appropriate corrections reported as late payments on XXXX XXXX listed account # XXXX Law States 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than XXXX days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2022-08-21
Company: Spring Oaks Capital, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Edit this section What happened? 

On XX/XX/XXXX I filled out an application on XXXX XXXX for a {$5000.00} loan for the XXXX XXXX. They denied the loan I have an email with the denial. Somehow they kept my application open and recycled the loan document and funded the {$5000.00} loan without my permission and XX/XX/XXXX. I never gave them permission to use my signature for another application. I called the XXXX XXXX they only have a signature from XX/XX/XXXX and they said that it was an electronics signature. They do not have a signature for that XX/XX/XXXX loan. I am immediately reverse the money And sent it back to XXXX XXXX on XX/XX/XXXX. I called them let them know that I did not take out a loan and I do not want their money. The bank manager wrote a letter for me stating that I never touched the money and gave me the federal trace ID when I sent the money back. XXXX XXXX wanted me to pay a {$470.00} Origination fee for their loan. Since Ive never took a loan with them Im not responsible for the origination fee. I hired an attorney to write a letter to XXXX XXXX explaining that I did not open alone with them. They will not listen to me and they charged off the loan then sold it to Spring Oaks Capital for {$470.00} but Spring Oaks Capital can not produce any documentation with my signature on it. I called them to dispute the ownership of the {$470.00}. When I look at the credit report Spring Oaks Capital LLC says this loan came from XXXX XXXX on XXXX XXXX when it came from the XXXX XXXX. I have never done business with XXXXXXXX XXXX before. I have been fighting with them for over a year to get this taken care of. Neither company can give me a copy of the original contract for the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Rainier Collection Services, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I had surgery requiring XXXX  The surgery center sent XXXX XXXX XXXX an in correct address for me. On XX/XX/XXXX I received a call from XXXX XXXX stating that I had not paid my bill to XXXX  XXXX and if I did not make a payment plan with them it will go on my credit report. I paid them {$480.00} on XX/XX/XXXX and on XX/XX/XXXX the same amt. I called XXXX XXXXXXXX and let them know I did not receive a bill and corrected my address and phone number for them. I was told by billing that it had been billed to my insurance and that there was nothing they could do since it was sent to collections already. I had not received anything from my insurance and when I called they stated it had not been billed. Insurance stated that it could still be billed to them for payment. I contacted XXXX XXXXXXXX  and requested they do this. I refused to make a third payment to XXXXXXXX XXXX  because of the bill being submitted to insurance. Rainier XXXX  asked XXXXXXXX XXXX to hold doing anything further as they were waiting for payment from insurance. XXXXXXXX XXXX ended up placing it on my credit report anyway. I finally complained enough that XXXX XXXX  removed it from my credit report. In XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX were paid the contracted amount owed them from the insurance of {$840.00} my patient responsibility ended up being {$93.00}. 
( Which I have not seen a bill for still. ) I have been going back-and-forth between XXXX XXXXXXXX  XXXX billing and XXXX XXXX to be refunded the {$960.00} that was paid to them with a little help. I have been told by XXXX XXXXXXXX that since I paid the money to XXXX XXXX I need to deal with them to get refunded my money back. I have heard nothing from XXXX collections. I would have paid my bill had I known about it. Even with not receiving a bill due to the wrong address if they would have billed my insurance I would have at least received an XXXX which would have shown me what I owed. I could have then called XXXX XXXXXXXX billing and paid them.

Company response to consumer: Untimely response
Consumer complaint received 2022-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am trying to sell a mattress ( cost {$170.00} ) in XXXX XXXX. On XX/XX/2022, I got a message from one person name XXXX XXXX ( name used in XXXX ) in XXXX XXXXr that she is interested in buying this item & she want to pay the amount through XXXX XXXX & asked my Bank of America bank details Account Number, Last Name ). I gave those details to her & on XX/XX/2022, she sent me {$1700.00} instead of {$170.00} to my account ( this amount is showing in my account as processing ). As the amount was showing in my account I sent her back the remaining amount which is {$1500.00}. She texted me again saying I sent you {$1700.00} twice by mistake & asking to return back {$1700.00}. I checked my account it was showing {$1700.00} twice but it was showing as processing. I got a doubt & reached out to the bank they said the amount is showing as processing & it will take 24 hours to credit in to my account. I told the recipient to wait for 24 hours since the amount is not credited yet to my account. She made up a story saying that she is using joint account & her husband is the primary account holder ( Name : XXXX, Phone No : XXXX XXXX XXXX ) & she sent me screenshot of bofa checking account number ending XXXX ( when I checked with my bank they said she used same email for XXXX XXXX XXXX XXXX account through XXXX transfer ) that she is in bank to resolve this issue & chased my continuously to return {$1700.00} back again. I waited for sometime then both she & her husband texted me in XXXX ( Name : XXXX XXXX, Phone No : XXXX XXXX XXXX ) & messaged me continuously to return back that amount. As I confirmed with my bank that both the transactions will take 24hrs to show in the account then I returned back {$1700.00} to the recipient. Next day I checked my bank account both the transactions are showing temporary credit & two claims generated for both the transactions & I tried to reach recipient, their XXXX account is blocked, both the numbers are blocked. Currently bank is investigating this XXXX transfer issue ( Claim No : XXXX ). I waited for the bank to respond but it is taking more than 30 days to resolve this issue they took back temporary credit {$3200.00} & said will take 30-45 days to resolve this issue as they are chasing recipient bank.

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 2022-11-25
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  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 explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: AL
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 XXXX Domestic XXXX and Identity Theft Victim in offense of identity theft ; which prohibits " knowingly transfer [ ring ] or us [ ing ], without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law. '' 18 U.S.C. 1028 ( a ) ( 7 ).

-Schemes to commit identity theft or fraud may also involve violations of other statutes such as identification fraud ( 18 U.S.C . 1028 ), credit card fraud ( 18 U.S.C. 1029 ), computer fraud ( 18 U.S.C. 1030 ), mail fraud ( 18 U.S.C. 1341 ), wire fraud ( 18 U.S.C. 1343 ), or financial institution fraud ( 18 U.S.C. 1344 ). Each of these federal offenses are felonies that carry substantial penalties -- in some cases, as high as 30 years ' imprisonment, fines, and criminal forfeiture.

Other Violations : Fair Credit Reporting Act The Privacy Act of 1974 15 U.S.C. 1681 g ( e ) Identity Theft and Assumption Deterrence Act Ala Code 13A-8-190 Ala Code 13A-8-193 Ala Code 13A-8-194 & 195 Ala Code 31-13-14

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In my recent complaint I did not dispute the VALIDITY of the account I disputed the ACCURACY of the account. Specifically I stated that the address provided by the Creditor on account # XXXX XXXXXXXX is in fact INACCURATE because I have sent correspondence certified mail to the address and it was returned as UNDELIVERABLE because the company moved without leaving a forwarding address. Your response to my complaint is a violation of my rights because this is my fourth time pointing this out. 

the address being reported by the creditor is undeliverable and unable to forward. therefore inaccurate please remove this account immediately because you are in violation This address is undeliverable : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have contacted Navient on XX/XX/XXXX And advised of my refusal to pay the private loan debt according to my rights under the Fair Trade Commission 805 : c. I have requested that communication cease amongst myself, co-signer and other acquaintances. Since my request I have been unlawfully contacted by Navient on XX/XX/XXXX and XX/XX/XXXX. My rights are being violated by Navient once again. Please have Navient cease all contact according to ftc.gov code 805 : c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On Friday, XX/XX/XXXX I attempted to close a checking account at Huntington Bank at XXXX XXXX XXXX XXXX, XXXX, IL XXXX of my decease brother, XXXX XXXX. I have a Small Estate Affidavit which was provided along with the Death Certificate, bank statements for XXXX and XX/XX/XXXX. Both states show a balance of {$2000.00}. 

I was serviced by XXXX XXXX, Customer Experience Banker which spoke with the banks back office/fraud department XXXX The bank refuses to turnover or close out the account and deliver the funds to me. The bank is claiming the funds have been on hold since XX/XX/XXXX and will not be release until XX/XX/XXXX. The bank claims the check deposit is second endorsed fraud. However, the bank has never sent any correspondence to support this. 

All bank statements show an available balance of {$2000.00} and show be issued as so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
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:
TransUnion willfully furnished inaccurate information on my consumer report. Disregarding me the consumer and natural person disputing the errors I found. I have followed proper protocol and disputed the medical collection accounts that are being furnished in delinquent status. Account XXXX XXXX has provided TransUnion with second hand information. TransUnion did not do their due diligence by conducting the investigative consumer report. According to 15 USC 1681 the investigation procedures must include personal interviews with neighbors, friends or associates who has first hand knowledge concerning the XXXX accounts being reported on behalf of XXXX. I am demanding the proper validation for these accounts. XXXX did not give me the opportunity to dispute this information prior to transferring this account to TransUnion for reporting purposes. Transunions negligence has undermined my confidence as a protected consumer. My right to privacy was breached purposely because the original Creditor, XXXX and TransUnion refused to disclose my right to opt out of reporting and validate information before tainting my reputation, character and credit worthiness. This entity is refusing to operate with integrity, fairness and impartiality.

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 2022-06-22
Company: EQUIFAX, 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:
To whom this may concern, I recently pulled my reports and noticed you are reporting ( XXXX XXXX ) inaccurately and violating the FCRA laws by furnishing inaccurate information on my account as I am entitled to accounts on my report being accurate and verified. XXXX has DELETED these accounts because they were unable to properly verify it. Im confused as to why you are still reporting these accounts and you have access to the same information that XXXX does? Because this account is being reported by your company and XXXX are different, this means the account has not been properly verified by you. Please DELETE this account immediately, as this is damaging to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Experian Information Solutions Inc.
State: VA
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:
" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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