BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-08-02
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/20XXXX 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 2022-10-22
Company: KLS Financial Services, Inc
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
A representative with KLS Financial Services Inc called my sister and gave her personal information regarding the debt collection efforts and asked to leave a message with her regarding a debt collection and a return number. My sister declined to take a message. KLS Financial Services blatantly violated my rights under FDCPA by talking to my sister about my debt and attempting to leave a message with her. I submitted a complaint in writing demanding that KLS Financial Services Inc provide me with proof of their debt and legal ability to claim/collect this debt and proof as to why they violated FDCPA by not providing me with initial notice of this debt. I did not ever give KLS Financial Services Inc permission to talk to anyone about this alleged debt. 

805. Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

I demand that KLS Financial Services Inc be barred from any and all debt collections and alleged claims to debts. I demand that KLS Financial Services cease and desist all collection efforts and communications, including reporting this debt to any third-parties again. 

I request that CFPB and FTC investigate KLS Financial Services for violations of FDCPA against me and all collection efforts with other clients, including the review of phone call recordings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: PENTAGON FEDERAL CREDIT UNION
State: PR
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:
Ever since XXXX, I have been receiving Inquiries that are not authorized by me at all. I am a busy person, studying a double major, work part-time and belong on 5 different student/professional organizations and barely have time for myself. 

So, I do not know what is happening, I've been a careful person with sensitive information and for some reason, my information or at least part it got exposed somewhere. I called XXXX, XXXX and XXXX to report fraud alert and credit freeze. XXXX told me to provide any document I receive from any agency that works with fraud alert ( Federal Trade Commission, Identity Theft, Consumer Financial Protection Bureau and so on ), and mail them to the address XXXX has provided me. 

I wish there is was to know what device and which location the person is getting my information for and the websites visited to apply any credit card or loan. I've been complaining with many banks and government agencies since XXXX because someone is using my social security for employment benefits. 

The information of the inquiries is : XXXX and XXXX Report : XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX ( XXXX ) XXXX __________________ XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX __________________XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX ( XXXX ) XXXX ___________________XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX ( XXXX ) XXXX _____________________ PENTAGON FCUXXXX Inquiry : XXXX. XXXX, XXXX XXXX : XXXX XXXX, XXXX No contact information has been reported by this creditor. 
________________________ XXXX Credit Report : XXXX XXXXXXXX XXXX and XXXX Inquiry date : XX/XX/XXXX Inquiry date : XX/XX/XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX ) XXXX __________________________ XXXX  Inquiry date : XX/XX/XXXX 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 2022-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Notified by Bank of America of fraud on my credit card via voice-mail and when I logged into my account on XXXX XX/XX/2022. MY CARD WAS DECLINED FOR TRnsCtions on XXXX XX/XX/2022. I called them on XXXX XX/XX/2022 and verified that the transaction for XXXX dollars on XXXX XX/XX/2022 I did not authorize and this was listed on my account as an ACH Payment Refund. I called Bank of America again and they told me to go into one of their offices. I went into Bank of America offices on XXXX XX/XX/2022 so the could verify my identity and talk to fraud personnel for the third time. They said the investigation would take up to 60 days. During my second call they said they would send me a cashiers Check. I have received different information each time I have called the fraud department about the circumstances of what happened and the resolution, very confusing/misleading.

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 monetary relief
Consumer complaint received 2022-08-02
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This company has the worst business ethics. I have reached out to them via email and have yet to receive a response. My credit has been destroyed due to their practice. Here is the story how we got to this point. I reached out to them to set up a payment plan. During this phone call I asked the representative several times will the payment plan stop the late history from reporting on my credit report which the representative insured me it would not report late anymore under the plan. I made my first plan payment then weeks later check my credit report and there were late payments reported. I have reached out to this company to resolve this and have those 60 day late payments removed and have had XXXX results. I am asking if they don't remove the late payments to have them submit a copy of the phone call with the representative. I have since caught up on the payments to save my credit from further damage from this company. I have XXXX late payments from any other creditors I deal with. This company kept reducing my overall credit limit, raising my utilization while my payments were all on time. They eventually closed the account with no late payments on my account. This company is one of the worst companies to exist. There reviews prove my point. I just want the 60 day late payments off my credit.

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 2022-08-24
Company: Experian Information Solutions Inc.
State: IN
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 disputed a paid medical collection account with Experian on XXXX that should not be on my credit report. I received the results on XXXX which stated that the account was accurate and would NOT be removed from my credit report. The medical collection account was with XXXX XXXX account XXXX which was for XXXX XXXX XXXX in the year XXXX. This medical debt for XXXX XXXXXXXX was paid and legally discharged in Bankruptcy in XXXX. Per XXXX own website paid medical debt was to be removed from credit reports effective XX/XX/XXXX. There is no way that Experian did any type of investigation into this medical collection that was for XXXX XXXX XXXX in the year XXXX account that I disputed on XXXX as if they had it would not still listed on my credit 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 2022-10-22
Company: Maximus Education, LLC dba Aidvantage
State: IL
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 was charged over {$300.00} when student loan payments were paused after Aidvantage took over XXXX loans. I did not approve or restart automatic billing but Aidvantage charged me any way. I called to get my payment refunded and the agent told me they would return my payment in 6 weeks. After 6 weeks I called and they now have an automated message that says payments will take 10 weeks to return.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: CA
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 my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$220000.00}, XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$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 non-monetary relief
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: NY
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:
my credit profile that is on this consumer credit report still contains misrepresentations, after numerous attempts at asking them cordially to correct my consumer credit report information. 
I also ask that all inquiries be deleted from my credit report as it is proof of a consumer privacy violation, be removed from my report. 
there is an collections account that just made its way on to my consumer credit ( my reputation ) and it is damaging my livilihood. I have been denied credit already because of the fraudulent negative information on my Equifax consumer credit report. 
Equifax has also infringed on my right to consumer privacy by publishing information that it has sourced from other sources and graded me on the things they have found. 

the collection account on my Equifax report goes by the name of XXXX XXXX XXXX, apparently there is a open balance of XXXX, which is another violation of my consumer privacy. pursuant to the United St

ates Code. I have sent 4 letters to Eq
uifax this is the final letter that I am sending. Should the corporation not understand that is has willingingly and knowingly violated my rights and compensate me accordingly I will have to make the attorney general aware of their fraudulent practices and help them pursue criminal liability pursuant to 15 USC 1611.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found some accounts that are not mine. These accounts have never been opened by me or with my permission. I need your assistance to stop these accounts from reporting to my file. According to FCRA section 605b, the credit bureaus must block or delete any accounts mentioned in an identity theft report. To aid with the blocking of the fraudulent accounts that were discovered on my report, I have included some documents. 
XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXX XXXX Balance Owed : {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
The account XXXX XXXX - XXXX - is reporting inaccurately on my credit report with XXXX  & Transunion. This account is showing as a profit/loss Charge off  and it is NOT as such! I was only late on the account a couple times & when they repossessed it I got it back 2 days later and have been current ever since. I was only late a couple of times. It is not a charge off and I still have the car. It is reporting wrong and that is a violation under the law.

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 2022-08-24
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Ive been trying to dispute several item on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but to consider the possibility of litigation. 

XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Date 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 2023-01-27
Company: EQUIFAX, INC.
State: CA
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:
The unverified accounts indicated below continue to report on my credit report despite numerous written requests, which is against federal law. The validation of these accounts shall be in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you don't verify these claims, I'll file a lawsuit against you. So that this situation can be rectified as soon as possible, kindly abide by the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC 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 XXXX XXXX XXXX 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 XXXXXX/XX/XXXX, XXXX 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 2022-08-24
Company: OneMain Finance Corporation
State: PR
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:
Ever since XXXX, I have been receiving Inquiries that are not authorized by me at all. I am a busy person, studying a double major, work part-time and belong on 5 different student/professional organizations and barely have time for myself. 

So, I do not know what is happening, I've been a careful person with sensitive information and for some reason, my information or at least part it got exposed somewhere. I called XXXX, XXXX and XXXX to report fraud alert and credit freeze. XXXX told me to provide any document I receive from any agency that works with fraud alert ( Federal Trade Commission, Identity Theft, Consumer Financial Protection Bureau and so on ), and mail them to the address XXXX has provided me. 

I wish there is was to know what device and which location the person is getting my information for and the websites visited to apply any credit card or loan. I've been complaining with many banks and government agencies since XXXX because someone is using my social security for employment benefits. 

The information of the inquiries is : XXXX and XXXX Report : XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX ( XXXX ) XXXX __________________ XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX __________________XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX ( XXXX ) XXXX ____________________ XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX ( XXXX ) XXXX _____________________ XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX : XXXX XXXX, XXXX No contact information has been reported by this creditor. 
________________________ XXXX Credit Report : XXXX XXXXXXXX XXXX  and XXXX Inquiry date : XX/XX/XXXX Inquiry date : XX/XX/XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX ) XXXX __________________________ XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation