BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-18
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:
I am presenting this complaint to express my appreciation for your previous efforts in removing some of the fraudulent inquiries from my credit file, which were a result of an alleged identity theft incident. However, there remain several items that require immediate attention and removal. This marks my third complaint, underscoring my status as a victim of identity theft, and I am disputing these specific items in my Experian file resulting from this crime. The items in question are unrelated to any transactions wherein I obtained possession of goods, services, or money, nor have I authorized such transactions. I urgently request the removal of the reporting of these items in my credit file, as they are unknown to me. Additionally, I have reservations about the accuracy of the reported history on these items, given that the information provided has already been deleted from other bureaus. As mandated by FCRA Section 605b, Credit Bureaus are required to remove any items listed on an identity theft report. To facilitate your investigation, I have included my FTC Report with reference # XXXX. Outlined below are the specific items that require immediate removal from the Experian Credit Bureau : **EXPERIAN** XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA 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

Company response to consumer: In progress
Consumer complaint received 2023-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 recording act this creditor has violated my rights under 15USC 1681 Section 602 states i have the right to privacy. 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open an consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I am receiving scam calls daily from people who tell me that my personal information is being used to open accounts at XXXX XXXX  Today this person identified himself as XXXX XXXX. Phone # XXXX. He then transferred me to a person that he stated worked for Experian. This man said that his name was XXXX and that he also worked for Experian. He had all of my personal and credit card information. He told me that there was a red mark on my Experian account. I asked him repeatedly the reason for his unsolicited call. He told me that I have trust issues. I hung up and blocked his #. I attempted to contact Experian to see why this man has my credit card information, however, I am not a subscriber and I was unable to locate a viable # or XXXX mail. I receive this particular scam call several times a week. In fact, In a weeks time, I receive at least 6 scam calls daily regarding various services. These unsolicited scam calls are very annoying.

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: KY
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'm a victim of identity theft. 
Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) the company is required to block and remove the identified transactions on the attached documentation, within 4 days.

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 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-10-05
Company: Maximus Education, LLC dba Aidvantage
State: PA
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:
Knowing student loan payments were set to resume, I diligently logged on to my new student loan servicer 's website, Aidvantage, weeks before my first payment was due. Initially I had decided to set up autopay on my loans for the minimum payment, which I set up. However, I had later decided to overpay on my student loans, and went back on to the servicer website to set up my autopay accordingly. Instead of my normal minimum payment of approximately {$1500.00} per month ( the minimum on my selected plan ), I elected to pay a total of {$4000.00} per month, overpaying approximately {$2500.00} on the loan that carries the highest interest rate. I set up an autopay for each loan, ensuring I paid the minimum on each but also overpaying on that highest-interest-rate loan. 

After setting this up, Aidvantage actually canceled my autopay without my authorization. After that, I went back in and set it up again to ensure it was correct. But that initial autopay calculation is not the worst of it -- after I set it up again, starting in XXXX, Aidvantage took out the {$1500.00} minimum payment, and on the next day, took out the full {$4000.00}. This caused me to pay a total of approximately {$5500.00}, rather than {$4000.00}. Aidvantage not only did not handle my autopay set up correctly, but without authorization took an additional {$1500.00} from me without authorization. The only autopay I had set up on my account was for {$4000.00} total. 

The setup process for this servicer is fundamentally flawed. I will now have to submit these overpayments manually each month, as I don't trust they will take the correct amount each month as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My experian, XXXX and XXXX credit report show incorrect information. I do not have job and I'm unemployed. Please make sure it says I'm unemployed

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 2023-08-08
Company: Experian Information Solutions Inc.
State: MO
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 received a letter from XXXX XXXX telling me that this item that I dispute ( bankruptcy ) it was removed from the file with XXXX however, it has not been removed from XXXX XXXX, or any of the credit bruen

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 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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:
The company sent me an email that my payment was successful. When I checked my credit report I saw that I was late on car payments and my credit took a major hit. This affected me financially and mentally. I reached out and pointed out this was a mistake with their system. I have never missed a payment, never got a letter email, or call about the late payment error. XXXX XXXX said there was nothing they could do and I could call the credit bureaus to get information removed.

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 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX 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 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 2023-10-05
Company: SYNCHRONY FINANCIAL
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Re : Synchrony Bank Dear Sirs : My name is XXXX XXXX. I have been XXXX for several years. XXXX XXXX XXXX XXXX XXXX XXXX XXXX After I was released it was impossible for me to visit a bank branch to conduct business. In other words pay my bills. A friend told me that Synchrony Band would allow wire transfers online.

I then opened a Synchrony Bank account. This was done in XX/XX/2023. I deposited {$100.00}. Shortly thereafter I transferred {$10.00} into a second Synchrony account. In XX/XX/2023, I made XXXX more deposits into my Synchrony Bank account by ACH transfer from my XXXX XXXX Bank Account in the amounts of {$5000.00}, {$10000.00} and {$15000.00}. The balance was approximately {$30000.00}. The purpose was to utilize the online wire service offered by Synchrony Bank. 
My first attempt failed because of Synchronys policy of a telephone confirmation by the receiving Bank. The second attempt was foiled by a Synchrony Bank mistake. I made a complaint to Synchrony Bank. I then made a third attempt at a wire transfer on XX/XX/2023. I was told this would take 1-2 business days. On Monday XX/XX/2023. I was advised my account was locked. They said my account was under review. They further advised this process would take 2-3 more days. 2 days later I called again. Now it was said 3-5 days to complete. I called again in 3 days only to be told it would take 60 days. All this time I was denied access to my funds. I have been provided no explanation for this action. It was further implied that the 60 day time frame could be extended at Synchrony Banks sole discretion.

This is a clear abuse of discretion. It is inconceivable that it would take 60 days to review XXXX  deposits and one transfer into another Synchrony account. This actually can only be seen retaliation for my complaint against the Bank for making a mistake. 
The Bank stated their review was for my protection, instead it has caused me financial distress. This unwarranted action can not go without investigation and exposure. Please publish my complaint. 
Very truly yours 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 2023-04-04
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:
I've found that my credit report has erroneous information for the third time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
DISPUTE_CASE_XXXX. Never Received a response! Absolutely ridiculous. Filed a case with CFPB on XX/XX/XXXX, Incomm responded that " The final resolution will be no later than XXXX XXXX XXXX '', NEVER RECEIVED ANYTHING ABOUT A FINAL RESOLUTION. Absolutely ridiculous, punitive and legal action should be taken against Incomm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: CA
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 my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXX, XXXX XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX, XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$5900.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/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 2023-09-13
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulte from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my cons
umer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUC consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEI to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of tI accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-08
Company: EQUIFAX, 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please help, Navient has violated my rights. I never authorized any changes to my account. I was also never made aware of any changes being made to my account. Please note that I am not their only victim, as Navient is being investigated by the federal court for their fraudulent practices. My consumer rights are being violated, please remove the accounts listed below from my credit reports immediately. I have a history of excellent credit. This company is trying to take advantage of their customers, and I am seeking your help as they are randomly making changes to the below listed accounts without my content, or without notifying me about any changes. Random increases of interest rates at amounts that are purely fraudulent, they NEVER discussed any changes with me! They went from and interest rate of around 3 % to now 10 % in one year!! None of it makes sense, all in one year! As I did my research I learned of their fraudulent acts and how they are now under investigation for their crimes. They are a fraudulent company and they are currently being investing for their criminal acts.This complaint is for the following accounts with the fraudulent Navient company... 
Navient Account # 's... 
XXXX XXXX XXXX XXXX Please remove all of the above accounts from my credit report as my rights have been violated this year. Please remove these accounts immediately. 

Thank you for your help, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: OH
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX Balance Owed : {$510.00} XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX Balance Owed : {$0.00}

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