BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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. 
Account name : XXXXXXXX XXXX  XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX, Account name XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX Account name : XXXX XXXX retailer Account name : XXXXXXXX XXXX violates 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 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 2023-04-02
Company: Experian Information Solutions Inc.
State: IL
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:
Because of your non compliance to properly investigate and inability to do what is fair and equitable by deleting the identified items of inaccurate information even though there were discrepancies among agencies SEE ATTACHED PROOFS, my information is being traffic

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 2023-05-27
Company: TRANSWORLD SYSTEMS INC
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have had this loan for several years now and it has been in forbearance due to me being in school for XXXX as well as XXXX program. They have continually tried to charge me causing late payments and missed payments that have wrecked my credit score despite it being in forbearance during that period. Now that I am no longer in school I have began making the payments yet they continually keep reporting it as missed and late payments on my credit report. I have talked to them several times and they agreed to remove the prior missed and late payments but never have removed them and are difficult to speak with through customer service as they just bounce your call around. Including they have harassed family members of mine that have nothing to do with account. 

They also have inaccuracies between separate credit reports that depict different amount of alleged missed or late payments which I do not understand considering it is one account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Advanced Resolution Services Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
ARS has refused to send me a copy of my consumer report AND add a security freeze even though I provided all necessary documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Experian Information Solutions Inc.
State: NV
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. 
Account name : XXXX & XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX  Account name : XXXX XXXXXXXX XXXX Account name : XXXXXXXX XXXX violates 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 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 2023-04-12
Company: Experian Information Solutions Inc.
State: NJ
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 the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 2023-04-20
Company: EQUIFAX, 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:
In accordance with the fair Credit Reporting act The list of accounts below has violated my federally protected consumer rights to privacy & confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX U S Department of Education XX/XX/XXXXXXXX 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 1681 C. ( a ) ( 5 ) section states : No consumer agency may make an consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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 accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
I am a victim of identity. I notified XXXX and all the credit reporting companies. I have a capital one credit card worth a XXXX $ card limit that was fraudulently open. I have asked XXXX to please remove it from my report. All other reporting agencies, have removed the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On Sat XX/XX/2023, I received a letter from TD Bank dated XX/XX/XXXX saying my account will be closing on XX/XX/XXXX. I tried to call the number on the letter but no one was available since It was on the weekend. So I called the customer service and find out why my account was being closed. The rep told me that the account was in good standing and that I wouldn't have to worry about my account being closed. So I requested to speak to a manager on duty, and the manager told me the same thing, my account was fine and there were no notes on the account saying the account was being closed. They assure me that the account was in good standing. The manager told that the language on the letter seems strange and said that it could be a scam. He told me to bring the letter to the local branch and verify it. So on XX/XX/XXXX, I brought the letter to the branch and ask them if my account was fine, they reassure me that everything is fine. And they googled the number on the letter and said that the number on the letter was part of some kind of scam. So I thought everything was good and not gon na call the number in the letter. On Monday night XX/XX/XXXX, I wasn't able to login into all of my accounts. I tried again on Tuesday. It was the same. So I called TD to find out what happened to my account, and they only told me that the account is closed. There is no information on why the account was closed. And told me to stop by a local branch to get more info. So on Wednesday, XX/XX/XXXX, I stopped by the local branch and ask them exactly what happened to my account, they all said they don't know why. I requested them to withdraw all of my funds but was denied. Was told my funds will be sent out bymail. I told them I don't want to wait for my funds in the mail. It would take too long for it to get to me and get the checked clear after deposit into my other bank. I am very disappointed with how they handle everything and how they treat me. As of today, no one has told me what exactly happened to my account. I hope someone else can see how TD is treating their customer. Everyone should stay away from them. They don't care about their customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: EQUIFAX, INC.
State: NV
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 will keep this short since I have SEVERAL COMPLAINTS filed without a resolution. 
Equifax has had several Security Breaches and my Personal Information has been stolen for 3 years in a row. 
In XXXX, XXXX, and XXXX My Social Security Number, Date of Birth, Addresses, and emails were all found on the XXXX XXXX 
Equifax Never Notified me of any of their BREACHES. 
The other credit agencies notified me instead. 
I had a Fraud Alert and now I have an ACTIVE SECURITY FREEZE with a Pin. 
This would provide PROTECTION if these agencies weren't so RELAXED with their security. Each time I call these agencies like Equifax I am allowed to update my ADDRESS, EMAIL, AND PHONE NUMBER without being fully verified. 
Instead, I am asked questions that anyone on the XXXX XXXX can answer about me. 
I am 100 % ex/posed! 

Each time I ask why didn't you ask for my Pin, agents and supervisors say, " we don't have too anymore ''! 

I understand the system is broken and fixed for consumers to FAIL. 

But, how can I sit and watch my repaired credit get ruined again? 
Asking for a Pin code takes 3 seconds in the call. 
To not ask says, you have a HIDDEN AGENDA! 

ANY EXCUSE GIVEN ON ANY COMPLAINT I FILE, IS UNACCEPTABLE! 

I called today XX/XX/XXXX and spoke to agent " XXXX '' at XXXX XXXX  XXXX and disputed an error on my credit for at least an hour. We spoke a little about my credit and things that are on it. ALL WITHOUT GETTING MY PIN CODE ... 

They are refusing to keep consumer files and credit SECURE until they get sued. 
Maybe when they start being sued with they change that horrible rule back to asking for our PIN CODE. 
They don't want to ask, and they continue to have SECURITY BREACHES. 
This lack of concern and lack of security will come to a halt in court eventually and I look forward to it. 
I have spent MONEY paying Equifax for a Security Freeze XX/XX/XXXX, I have spent over 20 hours trying to secure my file, correct errors, file disputes, seek legal advice, and then some. That alone will be considered time Lost and Damages. 

I do hope my credit can be more secure and I hope I never have to experience my credit being ruined again. But, if it does happen again, I will have multiple complaints I have filed as the proof that this has been ongoing and it could have been prevented. 

I will file a complaint each and every single time an agent doesn't ask me for my SECURITY FREEZE PIN. 
I don't accept EXPERIAN CONSTANT SECURITY BREACHES, I don't accept the LACK OF INTEREST they have in notifications which means I was not notified, I will continue complaining for as long as EQUIFAX and the other agencies fail at verifying my pin code. 

This is a VIOLATION OF MY SECURITY so no matter what, it will be reported!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
the problem started on XX/XX/XXXX when i got a text about a loan offer. i was looking for a loan at the time so i text back they end up callingf me.this person got my banking username and password started making claim reversalsd on my account asks me to transfer the money to his XXXX account the amount was {$980.00} and another transaction of {$500.00} also to XXXX account all this done on apruil XXXX and XXXX. the person kept calling my XXXXXXXX  making claims thebn XXXX would call me back and wouyld say that i needed to wire him the money to his XXXX XXXX accounts in order for me to get the loan so i transferred the money from my XXXX account to XXXX XXXX accounts he asked me to send it to i have all the text messages the screenshots all the screenshots of the XXXX XXXX  accoiunts how much i sent. a total of {$2000.00} i sent to bthe XXXX XXXX accounts from my checking account that does not include the total amkount i sent to the XXXX XXXX. i contacted my bank on XX/XX/XXXX to report the fraud. the bank kept making reversals after the XXXX of XXXX i counted a total of around XXXX claimas made iun 2 days. i dont see how the bank didnr realize something wrong never put up a red flag never sent me no notification abo8ut these transactions or claims that were being made and now im being charged fore all this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute the following inquiries and asking for their removal from my credit report. 
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

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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-05-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 my phone was stolen and my bank account was ultimately withdrawn from to a negative balance. I contacted Wells Fargo on the same day using my roommates cell phone and notified Wells Fargo that all of the transactions were fraudulent due to my phone being stolen. The fraudulent charges included : XXXX XXXX transfers totaling {$2000.00} XXXX XXXX transfer totaling {$3500.00} XXXX wire transfers totaling {$24000.00} I received a notice from Wells Fargo dated XXXX in reference to the above mentioned XXXX transfer. This notice stated that the transfer was deemed an authorized transaction. I called Wells Fargo on XXXX to follow up on this notice and inquire about the remaining fraudulent activity. I was then told that there was only a claim for the aforementioned zelle transfer. This was a big mistake on behalf of Wells Fargo. I then put in another claim for the remaining fraudulent activity. On XXXX I received a notice from WF that the wire transfers were deemed as authorized transactions and that Wells Fargo, as a courtesy, had attempted to do a wire recall but that the funds were not available at the receiving bank. The issue here is that I put in claim on XX/XX/XXXX but WF did not make an attempt at recalling the transfer until after XX/XX/XXXX, due to their mistake. I also received notice from WF that the XXXX XXXX transactions were deemed as not authorized, so that money was returned to my account. The issue with this is that it was actually the first of all of the fraudulent charges after my phone was stolen, so this would set a chronological precedence of unauthorized transactions.

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 2019-04-06
Company: ALLY FINANCIAL INC.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The Mini Van was reported stolen to the Police but resolved that it was retrieve by Ally Financial as repossess without notice.

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 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, Transunion, XXXX, are all three-reporting different information on my credit report when it comes to my XXXX  XXXX credit card # XXXX. XXXX showing the company took a full right when they did not because I paid half in the settlement, so they did not take a full right off. 
Transunion - Is showing Payment after charging off. 
XXXX Is showing just charge off

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 2023-05-27
Company: Halsted Financial Services, LLC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Halsted Financial has contacted me several times by phone and text stating I owe a debt to XXXX. I have not ordered anything from XXXX since 2018 and the balance was paid in full. I contacted XXXX and they are unaware of any money I owe to them. I also checked my credit report and see no such reporting. The XXXX has over XXXX complaints about this company attempting to collect on fake debts from consumers.

Company response to consumer: Closed with explanation