BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/22, I Wrote to you ( Transunion ) requesting a re-investigation and deletion of ACCOUNTS ( listed below, with account number ). Due to there being inaccurate information on them, and because you ( TRANSUNION ) are violating my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

15 U.S. Code 1681b ( a ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 U.S. Code 1681b ( a ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

I HAVE NOT GIVEN YOU WRITTEN INSTRUCTION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT.

15 U.S. Code 1681c ( a ) : Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : 15 U.S. Code 1681c ( a ) ( 5 ) : Any other ADVERSE item of information, other than records of convictions of crimes which antedates the report by more than seven years.

( ADVERSE : preventing success or development ; harmful ; unfavorable ) I AM NOT ABLE TO DEVELOP OR PROSPER MY FINANCIAL STATUS DUE TO THESE ILLEGALY FURNISHED ACCOUNTS ON MY CREDIT REPORT. 

1. Acc : XXXX Acc # XXXX 2. Acc : XXXX XXXX Acc # XXXX 3. Acc XXXX XXXX XXXX XXXXXXXX Acc # XXXX REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY I Dont understand why Transunion blatantly continues to violate my rights. Especially with something so serious as my reputation.

Transunion says they completed investigations on these accounts and VERIFIED them as ACCURATE.

I am in disagreement with the investigations of the items listed above. I am 100 % certain that there were and still are ( after their INVESTIGATION ) inaccuracies in these accounts. These accounts had inaccurate information on them and Transunion UPDATED THE INFORMATION Instead of deleting them like I requested. I was never provided the proof of the alleged items ( Specifically the contract or any other instrument bearing my signature ). Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 
I HAVE NOT HEARD FROM TRANSUNION REGARDING THIS MATTER. 
Together with the complaint letter I sent by mail to Transunion ( which is attached to this complaint ) I attached copy of my ID, Birth Certificate, Social Security Card and Bank Statement to Verify my identity.

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 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-07-28
Company: Atlanticus Services Corporation
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had ( 2 ) open credit card accounts with Fortiva. Each card has incurred a monthly service charge and once a year an annual fee. I originally applied to these credit cards in an effort to build my credit and to show more available credit as eventually I would like to buy a home. 

I have used the credit cards minimally, have always paid monthly balances on time, and as mentioned above, even without charging pay the monthly service charge and an annual fee. 

I received emails yesterday informing me that because I have not used my cards in a while, that they are closing them. When I spoke to customer service this morning they informed me that not only could I not have them reopened, and that they would be reporting to the credit bureau as a " negative '' that these accounts were closed. 

I have several credit cards, and none have ever penalized me for " inactivity '' and reported negatively to the credit bureaus. 

I feel like I have been penalized for exhibiting responsible credit behavior by Fortiva and their emails informing me they closed my accounts occurred on the same day that the Federal Reserve raised interest rates. Between both accounts, I paid close to {$23.00} a month in service charges and annual fees just to show the available credit. I planned to close the accounts once I was able to purchase a home. 

It seems to me that I have been ripped off by this company month after month and that now it's going to affect me negatively on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions 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:
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 2022-11-30
Company: Experian Information Solutions Inc.
State: FL
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-06-28
Company: JPMORGAN CHASE & CO.
State: FL
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: Overcharged for something you did purchase with the card

Complaint:
Not a duplicate as NEW information has been provided. Per CFPB rules new information or evidence must be reviewed. 

With new and additional supporting documentation provided I iterate my complaint as being valid and the overcharge of {$200.00} assessed by the merchant for damages to the rental car to be fraudulent. If Chase wishes to be victimized by the merchant than that is their business, I for one do not and will not. I find Chases investigation into this matter subpar at best. Chase has taken the merchants claims and supporting documentation no matter how false and inaccurate it may be over their valued Customers claims and supporting documentation. This is very concerning as a Chase Member and card holder. So much so that I've since refrained from any further major purchases since the incident at hand and the shocking support for the merchant and their bogus claims over their own valued Customer whom has never shown a history making any such claims in the past. Chase 's investigation into this matter has produced color pictures of the alleged damage to the vehicle that the merchant claims was caused while the vehicle was under my rental term. The problem with the merchants claim and supporting documentation is that the evidence provided clearly depicts damage to a white vehicle, yet the vehicle rented was dark gray in XXXX. This is even further proof that you are being scammed! I have provided a picture of the Vehicle XXXX and will provide further testimony of the XXXX and pristine condition of the vehicle 's return should you decide to take this matter serious.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I mailed a dispute and have received the results of your investigation. Regarding XXXX XXXX XXXX, account number XXXX - your results indicate the item was repaired. Upon reviewing my report the item is still listed. Please update the item as per your investigation results indicated. I am the person making this complaint & I give CFPB authority to investigate this claim.

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 2021-10-30
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:
Please be advised, Im a victim of identity theft. Someone used my information to get medical care. XXXX XXXX XXXX was deleted from my account was removed from my account on XX/XX/XXXX. Due to it being fraudulent. It was with XXXX XXXX. Now it has reappeared with XXXX, This account is fraudulent. XXXX or XXXX XXXX Didnt give me a 5 day written notice, which is a violation of the FCRA. These accounts are fraudulent, Ive never done business with this company or entered into a signed contract with these companies 1. XXXX XXXX {$500.00} 2. XXXX XXXX {$500.00} 3. XXXX XXXX {$810.00} ( XXXX XXXX XXXX ) Which was deleted already!! 

The following inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX credit XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The following names XXXX XXXX XXXX, XXXX XXXX The following employers XXXX XXXX The following addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX All items listed are a result of fraudulent acts. None of this stuff belongs to me.

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 2015-12-22
Company: Park View Credit
State: NC
Product: Other financial service
Sub-product: Credit repair
Issue: Excessive fees

Complaint:
Signed up with Park View Credit to repair credit on XXXX XXXX, 2015. As of XXXX XXXX, 2015, they have not done anything. I was told by XXXX XXXX that the {$59.00} XXXX fee to pull credit ) would be deducted from fee of services. The price that I was given by XXXX did not include a deduction of the {$59.00}. XXXX XXXX said it would take 45 days but, as of XXXX/XXXX/2015, they have not done anything. This company has received {$400.00} and have failed to do what their contract states.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Convergent is a debt collector trying to collect money on an account Ive never used and was created fraudulently with my stolen personal information. My personal information was stolen and used to open a fraudulent account with XXXX XXXX in my name for a different address I have an identity theft and fraud case open with Optimum but in the meantime Ive received a bill for over {$800.00} to collect from Convergent Outsourcing that I am not responsible for. Their phone number on their website and bill does not have a voicemail and was not taking phone calls. I demand that this bill be removed from collections and my credit be restored.

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 2023-12-05
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I submitted my paperwork for 4 years in a row, certifying my public employment and was given no credit when my loan was transferred. I only have my new current positions credit with my new servicer. Navient did not send over any documents indicating I was enrolled in an IDR and I had certified my employment. They need to provide this information, I am having to go through a lot of hoops to prove my public employment and eligibility because they didnt send over the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Nelnet, 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:
Hi, I XXXX XXXX have been dealing with issues with my student loan provider DEPT OF EDUCATION/NELN since XX/XX/XXXX ... there is an error on my XXXX and XXXX credit report in which the account was in forbearance I will upload the document showing proof of this and I notified the student loan provider and the credit bureau and they still remain to report this error on my credit report. I also mailed out on XX/XX/XXXX via certified mail with return label to this provider that this information needs to be fixed and to provide me with the original instrument of indebtedness in its original form for proof of this debt which also the lender has provided no response to me which also they received on XX/XX/XXXX. It's now going over 120+ days of no response since originally trying to reach out to this lender. It's to my understanding that there are laws put in place to protect consumer rights correct? By Law DEPT OF EDUCATION/NELN under account # XXXX this item must be removed from my credit report since the creditor did not respond and the bureaus must be held accountable for verifying this late payment while I have documentation from the lender themselves that there was no payment due on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX  XXXX XXXX Balance Owed : {$870.00}

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 2020-04-16
Company: The Outsource Group, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have reached out to Medicredit several times ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) requesting the company to validate and verify the debit they are trying to collect is 1. Rightful mine 2. The correct amount. I was never given an original signed contract or any documentation of originality that would prove the debit is mine. Medicredit is falsely stating this debit is accurate and send me a bill for double the amount they are reporting to the three major credit bureaus ( XXXX XXXX and XXXX ) the past due balance reporting is {$1600.00}. Every time I request validation they send me a bill for {$2500.00}. Ive also disputed with the bureaus and its quite interesting that they have come back to say it accurate when clearly its not. I need proof this is my debit. I highly believe they have me mistaken with someone else. The numbers dont add up and Im still waiting for something with my signature and the amount owed. Please see attached documents ( credit report & bill from Medicredit ). Also every time I reach out to the company in writing I request that they send all correspondence to my current address and they fail to do so.

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 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX is reporting to Transunion a debt sold to XXXX XXXX XXXX XXXX XXXX  XXXX that has been dismissed. I have received a Request for Dismissal from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This debt is hurting my credit score and also is showing as Derogatory on my credit report. I would like this debt be deleted from my Credit Report as soon as possible. This debt is considered a charge off by XXXX XXXX, and should be deleted my from 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 2022-06-28
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
For about 4 or 5 days, I and other Comenity Bank consumers have not been able to use our credit cards, access our accounts or even communicate with any representatives due to some unannounced system update that has been going on for days. I wouldn't have known this was occurring if I have not tried to sign in a couple of days ago and checked on XXXX. Their XXXX feed is the only way to communicate with them and they are not providing any info. We are under the impression that they may have been hacked and they are not informing their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX XXXX, I AM Consumer, and a natural person who am aware of all rights that I have, and which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 SECTION 602 A. IT also States I have the right to privacy. 15 U.S.C 1681 Section 604A, also states a consumer reporting agency can not furnish an account without my written instructions. Also 15 U.S. Code 1692c 15 U.S. Code 1692g - Validation of debts Also, according to 15 U.S.C. 6802, NO FINANCIAL INSTITUTION is supposed to share my information with a THIRD PARTY. This is a clear violation of my federal consumer-protected rights. 15 U.S.C 1666B : This is a clear violation of my federally consumer-protected rights.

1. XXXX XXXX XXXX Original creditor XXXX XXXX  Account number XXXX. ( Date XX/XX/XXXX ) XXXX. XXXX XXXXXXXX XXXX XXXXXXXX, INQUIRY DATE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX  Account number XXXX ( XX/XX/XXXX ) XXXX XXXX XXXXXXXX ( Account number XXXX ( XX/XX/XXXX XXXX XXXX  ( Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX ( Inquiry date XX/XX/XXXX ) XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX, Inquiry date XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX ) XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, INQUIRY DATE XX/XX/XXXX ) XXXX XXXX, INQUIRY XXXX XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX, INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Credit Karma, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On or around XXXX to XXXX Credit karma told me I was preapproved several times. At first I paid it no mind but they kept sending me so many different preapprovals telling me that I was preapproved for credit cards personal loans, and that I can refinance my car. Everyday I would see these offers every time I get into credit karma to check my scores. After a few months-of being told I was preapproved I thought I was now in a situation where I could apply and get one. I had an emergency that I going to use the preapproved credit cards for and when I went to apply for them I was denied also for the personal loan and it affected my credit in a negative way based off false information. I was completely distraught and upset that I had XXXX mislead for so long. It was a lie I was not preapproved and my information was used on these sites. I started getting even more advertising and calls and e-mails which are just making me feel worse. I was targeted and it made me feel victimized l. It has ruined my credit even more. Now I wont even check my credit as much because I dont want to see all the damage. I had applied for a personal loan of XXXX and multiple credit cards and was denied even tho I was preapproved.

Company response to consumer: Closed with explanation