BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-24
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: Old information reappears or never goes away

Complaint:
There are two delinquent charge off accounts on my XXXX and Transunion credit reports that was removed for identity theft for XXXX XXXX XXXX and XXXX card with corresponding account # s : XXXX & XXXX. The account were removed from my credit report however, they reappeared very shortly after with no explanation as to why. These fraudulent accounts are not mine whereas I have no knowledge of them. I submitted information to XXXX and transunion that plead my case as to why the delinquent accounts that don't belong to me were removed so I don't understand why they were readded back to my report with no evidence or notification from the bureaus within 30 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 non-monetary relief
Consumer complaint received 2021-12-24
Company: FRESNO CREDIT BUREAU
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
During my stay I applied XXXX for this bill, In fact I sent this information to the hospital through their financial aid department. this company should not be coming after me for payment.

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 2022-07-08
Company: EQUIFAX, 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:
I am a victim of identity theft, and I did not make or authorize Those accounts to be open. I am requesting that they be removed. 


XXXX XXXX  Closed on XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX  opened XX/XX/XXXX XXXX XXXX XXXX opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Global Lending Services LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Dear Sir/Madam On XX/XX/2021 I paid off the full amount of total {$22000.00} loan to Global Lending Services XXXX Since then I requested for title release or title noting letter to be mailed to me. But I never received any letter or title. I call them every week and they claim I should receive a letter or title in mail by next week. This been going on for past six month. 

Lender physical Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Lender mailing address : Global Lending Services XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Lender title department phone # XXXX My name : XXXX XXXX My address : XXXX XXXX XXXX XXXX XXXX XXXX  My phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
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:
XXXX XXXX XXXX Madre an agreement for me to pay debt at {$40.00} per month. On XX/XX/XXXX they took out {$520.00} for a payment which they started was a computer error. They did refund me the money... But on the next billing cycle added {$520.00} to my balance owed. 

I spoke with customer service and they can't explain what happened. My Balance went from XXXX to XXXX. I contested it with no results.

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 2017-08-18
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I reached out to experian on two occasions about a fraudulent account listed as XXXX XXXX XXXX XXXX XXXX on my credit report. Experian claims to have investigated the complaint and in the end the issue has yet to be reosolved. I reached out to XXXX ( the originator of the debt ) and they have no such account listed in my name. The account has since been removed from transunion and XXXX but Experian refuses to remove the fraudulent account. I believe that experian has no validation of the account and never did a thorough investigation.

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 2022-07-08
Company: EQUIFAX, INC.
State: GA
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  Account XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
notice of dispute was not added to this account which is violation of consumer laws. I also did not receive a response from this company regarding debt validation

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 2022-02-04
Company: Genesis FS Card Services, Inc.
State: SC
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'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRUIST FINANCIAL CORPORATION
State: GA
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/XXXX XXXX was taken from my business acct at Truist bank. That bank was alerted from the Receiving bank ( XXXX ) on XX/XX/XXXX that there was possible fraud. I was never alerted and my acct was never frozen. On XX/XX/XXXX, they allowed a second withdrawal to happen via ACH payment in the amount of $ XXXX. I reported the 2 transactions after realizing what was going on a month later. I was never asked to verify the transaction in any form. Keep in mind this is a high volume acct and I do large transactions. Truist is still pending weeks later on whether they will return my money or not. I am now seeing news reports and XXXX '' XXXX of other cases similar to mine since the merge. Truist not taking responsibility and keeping the funds. People on the news and in these XXXX chats are all saying the same story... money just suddenly removed some in real time while on phone with Truist. Most are indicating this may be an inside job. I think so in my case being that they were alerted about the fraud and allowed it to continue. I know of someone else personally that just got their account with Truist wiped out yesterday. I can prove everything Im saying in writing. Pls help! This is not your normal scam. The bank is not practicing guidelines and something is wrong.

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 2018-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
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:
Between XX/XX/2017 and XX/XX/2017 I received a lot of hard inquires from auto financing companies that were not authorized by me. I wanted these removed since they have significantly lowered my score and I did not request them but these companies will not remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive reported that this is fraud and identity theft on multiple occasions sent letters and disputes. Company keeps trying to collect and refuses to clear the debt from my credit bureau and from collection. There is only one capital one card on my report. It closed in 2013 for a {$300.00} limit. The charges made on this account were unauthorized and not made by me!! The credit bureaus arent even taking the FTC or tax fraud reports they arent blocking. I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Block, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2022, a transaction was completed on my account for XXXX to XXXX which I did not authorize and subsequently reported to Cash App for a dispute. The funds were credited to my account and my existing card number was deactivated and reissued a new card. I have been the victim of identiy theft in the past and filed police report as well as internet crime report and an extended fraud alert added to my credit files. 

Yesterday, XX/XX/XXXX, the XXXX was deducted from my new cash app accont balance resulting in an overdraft of my account. When I reached out to Cash App support they informed me that they had reapplied the fraudulent charge and closed my dispute case. I have asked for documentation to support their decision and have not heard back. I also informed them I would be providing a police report of identity theft and Internet crime complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Listed below are inquires w/ dates on my credit report that I did not authorize : XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  & # XXXX ; L XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX ; L XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX NA ( Bank ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX. XXXX XXXX XXXX  & # XXXX ; L XXXX ( Finance ) XX/XX/XXXX 2022

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 2022-02-04
Company: RICHLAND HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft. My wallet was stolen. From my car XXXX years ago and someone used my identity to stay at a motel.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was switching from XXXX cellphone carrier to XXXX. After my final bill arrived it was paid in full. In meantime XXXX XXXX  posted collections on my credit report for the amount of the final bill from cellphone carrier. When I called XXXX XXXX to ask why they put collections on my credit report they replied that I owed them money but do not owe anymore. I asked can they validate the debt they referring to and they refused me to provide any information on it claiming that account has been closed. I asked them to remove collections if they are not able to validate debt and provide any relevant information they refused to do so. My credit report dropped 30 points causing damage because of that posted on my report and they can not provide evidence of the debt owed in the first place. I asked them why they are refusing to remove negative information if they are not able to validate the debt, they reply that XXXX hired them to post negative information on the former customer accounts. I was shocked by that reply and had nothing to say further.

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 2022-07-08
Company: EQUIFAX, INC.
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:
The Credit bureaus stated my account was properly investigating but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 
This is ground for removal and they also violated my rights under 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 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
The Credit bureaus stated my account was properly investigating but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 
This is ground for removal and they also violated my rights under 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 2022-02-04
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
A billing error from the month of XX/XX/XXXX due to the payments not being correctly applied to the account from the months of XXXX XXXXAccording to XX/XX/XXXX statement the past due amount includent monthly payment XXXX, past due {$540.00} and late fees of {$140.00} reflects {$1200.00} due by XX/XX/XXXX. On XX/XX/XXXX I paid {$570.00} for XXXX and on XXXX I paid {$570.00} for XXXX payment. Total that is {$1100.00} XXXX also reported the month of XX/XX/XXXX as late but according to the transaction history the payment was made XX/XX/XXXX which is before the due date. 

Lender has applied over 70 % of payment amount of all payments on auto loan in XXXX towards the principal instead of the both principal and interest. 
For an example : Principal Interest XX/XX/XXXX XX/XX/XXXX ( {$570.00} ) {$26000.00} ( {$220.00} ) ( {$350.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$570.00} ) {$26000.00} -- ( {$570.00} ) - XX/XX/XXXX XX/XX/XXXX ( {$1700.00} ) {$26000.00} ( {$880.00} ) ( {$860.00} ) XXXX XXXX, XXXX XXXX XXXX, XXXX ( {$570.00} ) {$27000.00} -- ( {$570.00} ) -

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Netspend Corporation
State: NJ
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I have a skylight pay card and they have told me I can either write a check or use the card at specified Banks or ATMs listed in there guide to obtain cash. However I have tried writing a check and taken it to Banks listed to cash the check but the banks refused to cash the check. Also I have gone the recomended ATMs to get money but instead I have been charged {$4.00} as a fee. Neither of these options am I able to get cash. Instead I have to go XXXX and buy something in order to obtain cash. I have been forced to buy useless things at XXXX which I do n't need. A copy of their guideline and transactions will be attached showing how difficult to get the money and also fees charged.

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 2022-08-05
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am victim of the data breach and now my rights have been further violated by EQUIFAX due to their submitting false and inaccurate information to lenders. This has adversely impacted my credit worthiness and hinders my natural right to credit. They are falsely reporting late payments and inquiries on my consumer report.

According to 15 USC1681a ( 3 ) EQUIFAX assumed the role in assembling and evaluating my consumer credit. I never consented for them to assume this role and I never instructed them to construct any report and I never consented for EQUIFAX to furnish anything. Pursuant 15 USC 1681b2 EQUIFAX is in violation by not having permissible purpose to do so. EQUIFAX is also in violation of my privacy pursusant 15 USC 1681a ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: EQUIFAX, INC.
State: WA
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:
An account from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX in the amount of {$1800.00} began reporting on my credit report on XXXX XXXX, 2013. Despite constantly disputing this debt with Equifax, the debt still remains on my account. I have yet to receive correspondence validating the debt or a copy of the original debt with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
On XX/XX/XXXX, I received a call from Navient at my new place of employment. It was forwarded to my desk through the office operator. Never have I given Navient my work number nor my permission to contact me there. I told the rep to never contact me at work. She told me I need to provide a written letter stating this and even then, they did n't know how long that would last. Then, on XX/XX/XXXX, my HR department received a fax from Navient requesting my work status. I was not made aware by Navient that they were doing this. I was called into my HR office much to my embarrassment. Navient has attempted more than once to injure my reputation with my new employer and has cost me valuable time away from my new job to address issues that are private. These actions on their part are inexcusable and indefensible.

Company response to consumer: Closed with explanation