BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
According to the Fair Credit Reporting Act FCRA credit reporting agencies are required to accurately report credit information and be in compliance with E_Oscar platform protocol. All three major credit agencies ( Transunion, XXXX, and XXXX ) have reported inaccurate information on the accounts listed below : These inaccurate accounts must be deleted to be in compliance with the FCRA Account 1 : US DEPT ED XXXX XX/XX/XXXX {$12000.00} Account 2 : US DEPT ED XXXX XX/XX/XXXX {$6700.00} Account 3 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 4 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 5 : US DEPT ED XXXX XX/XX/XXXX {$3100.00} Account 6 : US DEPT ED XXXX XX/XX/XXXX {$5600.00} Account 7 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 8 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 9 : US DEPT ED XXXX XX/XX/XXXX {$3000.00} Account 10 : US DEPT ED XXXX XX/XX/XXXX {$1900.00} Account XXXX1 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 12 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 13 : US DEPT ED XXXX XX/XX/XXXX {$6700.00} Account 14 : US DEPT ED XXXX XX/XX/XXXX {$12000.00} Account 15 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 16 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 17 : US DEPT ED XXXX XX/XX/XXXX {$11000.00} Account 18 : US DEPT ED XXXX XX/XX/XXXX {$6400.00} Account 19 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 20 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 21 XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$84.00} Account 22 : XXXX XXXX  XXXX XX/XX/XXXX {$820.00} There are items such as various date opened, last reported, date last active, and date of last payment that is incorrect and inconsistent for the same accounts across all 3 credit bureaus. All of these accounts must be deleted from my credit report because it violates the FCRA and is not in compliance.

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 2022-09-20
Company: DOLLAR MUTUAL BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My bank charged a XXXX nsf fee on XX/XX/22 and returned a payment when it clearly showed there was enough money to cover the XXXX payment and when I opened the account approximately 5 years ago I was told that deposits to the account go through before debits and there was a deposit and a credit so there still wasnt a reason to charge me the fee I have screen shots showing that I was not negative to being with it wasnt until they charged their fee that it went negative. I havent talked to customer service because they tell me to go to the branch manager and he treats me and talks to me like Im garbage very poor customer service we had an account with them over 20 years ago and due to job loss we had to file bankruptcy and that account at the time was negative like XXXX due to fees and was included in the bankruptcy we had to fight to get the account we have now we were told we could not have an account unless we paid the money but we new that they could not collect on something that was XXXX through bankruptcy I feel like our account is flagged so they can collect their money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-25
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX am writing to delete the incorrect information in my report. Someone stole my information and signed up for things in my name. The items I need deleted are listed in the report. I became a victim of identity theft. I have filled out a report with the federal trade commission also and the reference number is XXXX. I ask that the items be deleted to correct my credit report. It is super overwhelming to have to go through this and would like for this to be deleted ASAP. 
Thank You I demand that the following account be verified or removed immediately : XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

Please remove it from 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 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX am writing to delete the incorrect information in my report. Someone stole my information and signed up for things in my name. The items I need deleted are listed in the report. I became a victim of identity theft. I have filled out a report with the federal trade commission also and the reference number is XXXX. I ask that the items be deleted to correct my credit report. It is super overwhelming to have to go through this and would like for this to be deleted ASAP. 
Thank You I demand that the following account be verified or removed immediately : XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

Please remove it from 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 non-monetary relief
Consumer complaint received 2022-05-27
Company: EQUIFAX, 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 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 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  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 2023-08-21
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
During XXXX and XXXX, I went through a debt relief company to resolve several credit cards. XXXX of those was the Security Service Federal Credit Union ( XXXX ) credit card. The last payment was made on XXXX XX/XX/XXXX, yet XXXX did not update the credit report as required. I requested XXXX made the correction, they refused. So, I went through the debt relief company 's lawyer, and XXXX finally updated the credit report. However, they refused to make a complete correction to the report. They updated the status ; and removed the overdue balance and past due amount. However, they refused to correct the derogatory payment history to reflect the accurate history. I requested XXXX to finish this correction, XXXX refused to do so. 
This is despite the fact that the last payment was made of XXXX XX/XX/XXXX, the payment history still reflects the derogatory comment of " XXXX XXXX ( CO ) '' from XX/XX/XXXX through 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 2022-06-25
Company: EQUIFAX, 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:
In accordance with the fair credit reporting act XXXX 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 a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: Experian Information Solutions Inc.
State: NV
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:
I DID NOT GIVE US DEPT OF EDUCATION CONSENT TO REPORT ANYTHING TO ANY THIRD PARTY AFFILIATE THAT DOES NOT HAVE A BINDING CONTRACT WITH MY WRITTEN CONSENT TO REPORT MY NON PUBLIC INFORMATION. US DEPT OF EDUCATION FRIVOLOUS AND WILLINGNESS TO VIOLATE MY RIGHT TO PRIVACY HAS CAUSED A TREMENDOUS AMOUNT OF DAMAGE IN MY LIFE. IN PURSUANT TO THE GRAMM-LEACH BAILEY ACT I WAS NOT GIVEN THE NOTICE TO OPT-OUT OF THIS SHARING OF MY NON PUBLIC PERSONAL INFORMATION. I DEMAND THAT THE US DEPT OF EDUCATION HEREBY BLOCK THE ACCOUNT THEY ARE FURNISHING IN RESPECT TO PROTECTING MY PERSONAL INFORMATION AS IT IS THERE DUTY.

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 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account # XXXX and XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22
Company: OLD NATIONAL BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My health savings account is with Old National. I use a debit card. Recently I tried to use it, and it was declined. Have phoned them at least 6 times, and no one will pick up the phone. Thank god I did not lose it. They will not answer the phone. You wait a long time and then the call drops.

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 2022-06-25
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022 I received an alert from XXXX XXXX that a new credit card was opened under my personal private information with SYNCB/Paypal Credit Card with a {$300.00} credit line. XXXX XXXX was the only credit company that was not " Locked/Frozen '' because I am in the process of applying for a new mortage. During this short amount of time XXXX XXXX was not Frozen, this is when the fraudulent account was opened. I have not been opening or using credit to keep my credit score up. This fraudulent action also lowered my credit score. I tried reaching out to Synchrony Bank and Paypal but I dont have or know any information associated with this account so it did not get me anywhere. There was a local address and phone number associated with this new fake account and the phone just rang. I would like an investigation into this matter as this is now on my credit report and has caused problems now saying that I owe a balance of {$280.00} and I do not know what it is for. Definably not from me or anyone that I know.

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 2022-06-25
Company: Experian Information Solutions Inc.
State: GA
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 Terms Duration ' is being reported as XXXX months on the XXXX XXXX account ; the correct Terms Duration is XXXX months as stated on the attached letter directly from XXXX XXXX 

According to 15 US Section1681 of the Fair Credit Reporting Act, Consumer reporting agencies must delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 

I have uploaded proof of the correct term duration and the inaccurate information being reported by each bureau.

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 2022-06-25
Company: Experian Information Solutions Inc.
State: TX
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 have a freeze on my credit with Experian. I wanted a temporary lift of that freeze. I used to be able to do this with my pin, but now they seem to require XXXX ) creating an account, XXXX ) calling, or XXXX ) writing a letter. None of those are viable options. 
XXXX ) Creating an account. I was going to do this, but the terms of service allow them to share my information and run a credit report and other items I don't want. They provide an option to opt out by either phone or in writing. I called and after over 20 minutes, could not get through to anyone or find any options for the supposed opt out. I sent a letter requesting " opt out '' and just received a generic informational form letter not mentioning acknowledgement or opt out. Nothing more has been received after almost a month. 
XXXX ) Calling. I was not able to find a way to undo the freeze on their phone service. The service only suggested creating an account or write a letter. ( See other options. ) XXXX ) Writing a letter requires sending social security number, birthdate, and other personal information all together in a letter. This is unsafe and unfair to force me to send my personal information in XXXX letter via mail. 
I need a simple way to temporarily lift my credit freeze without giving away personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account XXXX XXXX and XXXX 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 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, and XXXX Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25
Company: EQUIFAX, INC.
State: OK
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:
I RECEIVED MY CONSUMER REPORT AND I FOUND INACCURACIES ALL OVER THE REPORT AND I WANT THEM DELETED IMMEDIATELY LISTED BELOW WITH INACCURACIES SHOWN. 

XXXX XXXX BALANCE XXXX XXXX ACCT # XXXX, SHOWING OPEN ACCOUNT, OPEN DATE ( XX/XX/XXXX ) XXXX REPORTED ( XX/XX/XXXX ). ( XXXX ). 


XXXX XXXX XXXX  BALANCE XXXX XXXX ACCT # XXXX SHOWING A CLOSED ACCOUNT ( INACCURATE ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) DATES ARE ( INACCURATE ) ( XXXX ). 


XXXX XXXX BALANCE XXXX XXXX ACCT # XXXX SHOWING A CLOSED DATE ( INACCURATE ) XXXX SHOWING OPEN STATUS. OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) DATES ARE ( INACCURATE WITH XXXX  DATES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Merchant Adjustment Services continue to violate my consumer rights. Under 15 USC 1692 ( c ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. This company is very unaware of consumer laws. They stated in a previous complaint that I consent to them having my personal information when I signed into a medical facility Federal law clearly states that I have to give direct consent. They also stated that they didn't use abusive or obscene language. Under 15 USC 1692 ( D ) ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader is a violation. I said it was abusive, the company cant state what is abusive to me or not. This is why Federal laws were put in place for deceptive practices as I am experiencing what this company. They stated they sent me a letter regarding this matter, I ask that they send it again. Under 15 USC 1692J, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.I 'm pretty this company is not the original creditor of this alleged debt. So, please send me the deceptive form you stated you already sent, so i can have proof you violated me and get my {$1000.00} per violation. Thanks

Company response to consumer: Closed with explanation