BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-12
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX Equifax XXXX XXXX have been put on notice over 30 days ago in regard 's to three collection companies that are unlawfully violating the fair credit reporting, again I have sent out legal documentation letters and corespondences XX/XX/XXXX asking them to take action and remove derogatory unlawful reporting is now going on 60 days and still reflecting on profile again I sent out court orders/case number and relevant information to remove imediatly XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX all three credit bureaus should receive Thursday XX/XX/XXXX and should immediately remove from report, the bureaus have stalled time after time regenerating 30 day investigation my documents qualify for immediate removal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have filed a dispute informing TRANSUNION that the reporting they have is incorrect and please correct. They have investigated and will not correct their issue. I have asked for a way to provide the proof and they state that mailing is the only way. But yet their website says one can upload docs. 

I have been given numbers to call and not having any luck.

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 2023-03-26
Company: MOHELA
State: MN
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 applied for PSLF on XX/XX/XXXX. They currently have me listed as having made 118 payments, but all of my payments from XX/XX/XXXX till XX/XX/XXXX are missing. During the missing months, my loans were with XXXX XXXX XXXX. In XX/XX/XXXX my loans were transferred to XXXX. I have contacted Mohela repeatedly and I have filed a reconsideration request and a complaint with the Department of Education. They sent me an email on XX/XX/XXXX stating that my payment counts had been updated, but none of my payments from XXXX are listed on the Mohela site. Nothing has changed. I have worked in the same public school district since XXXX and I have been making payments the entire time. I contacted Mohela on XX/XX/XXXX to ask why they werent there and they didnt have an answer other than to say that it might take a few days for it to show in my account. That was a month ago and nothing from those missing years is showing up. They have no answers for me when I call or send written messages. My loans have been consolidated XXXXXXXX XXXX since XXXX and they need to include the payments made while I was with XXXX XXXX XXXX ( XXXX ), forgive my remaining balance, and issue a refund for all payments made over XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: MD
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 noticed unauthorized inquiries on my credit that i have never applied for. 

XXXX XXXX Inquiry : XXXX XXXX, XXXX  XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry 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 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX AND TRANSUNION KEEP REPORTING A BANKCRUPTCY ON MY CONSUMER REPORT. 

THEY STATE XXXX XXXX HAS VERIFIED AND THAT IS FALSE. 
I HAVE MY CONSUMER FILE FROM XXXX XXXX AND THERE IS NO REPORT OF BANKCRUPTCY ON THE FILE I HAVE FROM XX/XX/2023 BOTH XXXX AND TRANSUNION HAVE BEEN VIOLATING MY CONSUMER RIGHTS.

15USC1681 ( A ) ( 4 ) CONGRETIONAL FINDINGS AND STATEMENT OF PURPOSE ( a ) accuracy and fairness ( 4 ) need to ensure grave responsibility and impartiality. 
XXXX AND TRANSUNION NEGLECTED TO INVESTIGATE PROPERLY

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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Reported XXXX XXXX as Fraudulent, account as of XX/XX/23. Dispute was submitted and resolved with the results : the account has been removed from all three bureaus. XXXX could not verify a correct social security number nor an accuate phone number stating someone called them from a number trying to verify my information. XXXX XXXX XXXX now has bought a Fraudulent debt and trying to seek payment. I have filed a identity theft report with the FTC as well as this complaint with the CFPB.

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 2023-05-19
Company: D&A Services, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from D & A Services LLC of IL stating that they are trying to collect a debt that belongs to the current creditor XXXX XXXX XXXX XXXX. 

1. There is no debt validation & verification showing that I am responsible for said debt. 

2. Both D & A Services LLC of IL and XXXX XXXX XXXX XXXX are not licensed in the state of Florida to collect a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened checking and savings accounts with Navy Federal Credit Union XX/XX/2023. A few days after, I was informed by NFCU that XXXX XXXX XXXX alerted NFCU with regards to old XXXX XXXX XXXX account ending in XXXX. The XXXX XXXXXXXX XXXX checking account has a XXXX balance but was reported to XXXX XXXX XXXX for " Suspected Fraud Activity ''. 

It is this " Suspected Fraud Activity is why I have filed several complaints against XXXX XXXX XXXX for the " Suspected Fraud Activity '' for which there was no evidence of any fraudulent transactions. 

Bank XXXX XXXX 's response on XX/XX/2023, specifically notes that after careful review, there were no fraudulent transactions reported to Bank XXXX XXXX with regards to account ending in XXXX. This response is attached to this complaint. 

There is no legal or evidentiary reason for XXXX XXXXXXXX XXXX to use " Suspected Fraud Activity '' other than to cause harm to consumer.

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 2023-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Im filing this because XXXX  XXXX will not help during this time that Im going through a financial hardship, I lost my job and I cant make any payments, I have tried to call and get help but hung up on constantly, transferred, im very much struggling, im trying with every effort I can to get back in my feet and Im asking XXXX  XXXX to help and give me some help so I dont get behind I dont want to lose my XXXX  XXXX XXXX  or XXXX XXXX  , im sorry the company I worked for went out of business, I need assistance with my payments not fees that wont help, im trying to get work but it has been that hard for me, I really care about being a customer of XXXX XXXX Im just going through a hard time and want and need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to address a concerning matter regarding the reporting of my credit information by your agency. It has come to my attention that late payments and credit utilization data have been included in my credit report, despite falling under the exclusions of transactions and experiences as defined by the law. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( a ) ( 2 ), which requires consumer reporting agencies to provide accurate and fair credit reporting. Additionally, 15 USC 6801 and 6802 ( b ) ( 2 ) explicitly state that nonpublic personal information, including transaction and experience data, should not be disclosed without proper authorization. By including late payments and credit utilization data in my credit report, your agency is in direct violation of these federal laws. As a result, this inaccurate and misleading reporting is adversely affecting my creditworthiness and financial standing. Moreover, these violations raise serious concerns about this agencies blatant misuse of my personal information and other fraudulent activities. Under 18 USC 1028 ( a ), such identity theft offenses are subject to criminal penalties, further emphasizing the gravity of this matter.

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 2023-04-17
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
IC System, Inc submitted to me the ORIGINAL CREDITOR listed as XXXX XXXX. 
Since then, IC System , Inc has changed the original creditor. ( 2 ), two times.

It is clearly stated that I do not have a second chance to make corrections. 

As stated, I have never done business with XXXX XXXX. No Invoices. 
No bills paid to XXXX XXXX. 

In addition, I am left confused, why is IC System , Inc. requesting information for an attorney.

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 2023-04-15
Company: A.R.M. Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hi, I had XXXX XXXX in XXXX and moved to XXXX. The company contacted me and I refused to transfer the service to XXXXI requested to close my account, and nothing was pending. Then, a XXXX XXXX representative called me several times and finally I accepted a courtesy free-of-charged visit, I did not liketo visit and I refused service. 
Since then, despite several texts, e-mails, and calls, explaining all this, I have been harassedby XXXX and a collector called A.R.M.Solutions. 

I would highly appreciate a resolution and an explanation of what the XXXX government will do to protect me as an honest consumer. 

Kind regards, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions 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:
FCRA Violation personal information not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation credit card payment never late
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 2023-04-03
Company: Experian Information Solutions Inc.
State: AL
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:
My student loan had been dismissed and discharged months ago and has not been updated on my credit file. I should not be showing any balance or any late payments.

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 2023-05-19
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My desktop was hacked and someone gained access to numerous accounts of mine, including Paypal, XXXX, XXXX, XXXX, Venmo, and several others in the hacking event that lasted about 3-5 days. The hacker started with XXXX on Thursday the XXXX XXXX of 2023. I didn't notice anything wrong until Saturday when they had transfered roughly {$40.00} in XXXX that my pc 's had mined over 4 months and they completely took over the account by adding a XXXX authenticator app. Venmo caught and suspended the account when they attempted to buy over {$150.00} in XXXX on that Sunday XXXX. I work XXXX in very long hours and don't see things as I'm either driving or sleeping on those days. XXXX caught the hacker and suspended my account as well. Fast forward to Sunday night about XXXX I was on my way to pickup a client, had my phone notifications on Do not disturb. So when Paypal sent me a message asking if I was doing a {$500.00} charge at XXXX ( monday ) and XXXX ( Monday ) saying " [ Reply Needed ] '' I replied with a '2 ' for 'No '. Now the {$500.00} went to a company called XXXX XXXX, which I later found out makes mobile games. 
Paypal has denied not only my initial dispute over the matter because the transaction came from my IP address, even though I showed evidence ( virus scan results with date/time ) that I was infected by the XXXX ( Remote access XXXX which has reverse proxy features that the virus controller can use their own pc and route internet traffic through my PC ). 

I have since got word from XXXX. Not only are they refusing to reverse my payment back to me but now they're trying to attach the hackers XXXX account that has over {$4000.00} in chargebacks from reported cards they've used that have been reported. 

. Here is the police report # that was started with the XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and I will be adding the preceding part about the company trying to make me take liability over the hackers account. 


My paypal email address that the payment was sent from is XXXX The Paypal transaction ID is XXXX I will also be contacting the Computer crime division of the XXXX XXXXXXXX over the issue this morning.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-27
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XXXX I made a XXXX deposit to my XXXX XXXX checking account through their mobile app. For whatever reason they decided to place a hold on my deposit. However I made 2 pmts of $ XXXX to pay my AMEX bill PRIOR to finding out XXXX XXXX placed a hold. I immediately contacted AMEX to make them aware and was told no problem they would retry 3 times. I filed a complaint with XXXX XXXX ( response letter attached ). Today I get an email from AMEX stating they closed my account. After holding 1 hourv13 min disconnected, called back speaking with someone who asked me to locate the letter and she disconnected me. Called back 2 hours on hold and told despite letter no can do in reopening account even though it was not my error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Amsher Collection Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to delete the following information in my file. The items I need suppressed are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX. Please delete the items as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had an account with American Express for 40 years. In XXXX I had major health problems and was hospitalized majority of year. I had 3 payments returned but immediate corrected with another payment method. I stayed in constant touch with them thru the entire ordeal and was complimented on staying on top of everything with my hospitalization. Even got a letter saying they would not raise my rates under the circumstances. Then out of nowhere months later I get email saying both my accounts have been closed due returned payment. I called and they gave me run around and said nothing can be done. I did email my complaint to Amex ceo as well. After 40 years I cant believe Im being treated like this. I would like my accounts reinstated. I am current on my bill and under my credit limits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 interested in disputing all invalid information on my credit report with transunion. checking my file ive noticed alot of data that is hindering my file. please remove the data listed an correct my report asap.

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