BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-10-21
Company: Pro Com Services of Illinois, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have recently reviewed my credit report and the following account XXXX XXXX XXXX XXXX XXXX does not belong to me and is a result of identity theft. I have requested a written contract between me and PRO COM SERVICES and XXXXXXXX XXXX XXXX XXXX XXXX doesn't exist this is in violation of my rights. According to the fcra 15 US Code 1692g as described in the validation notice. The validation notice contained the statutorily-required statement regarding the collector 's obligation to obtain verification of a debt or a copy of a judgment if the consumer notifies the collector in writing within a 30-day period. I want this collection removed asap please.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: SANTANDER HOLDINGS USA, INC.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
I obtain a copy of my XXXX credit report in XXXX and have been working since then to have this false loan removed from my account I didnt have a loan on a vehicle and have never signed for a loan. I have since then filed a theft of identify and a police report which i will attach. I spoke with the credit bureau and have sent in a dispute letter and added an identify theft statement to my credit report. 

Please contact this company and remove this immediately from my report. I have been made aware under THE FAIR CREDIT REPORTING ACT the company must remove this from my report and proved a copy of the transaction records per the FTC 609 ( e ). 


Account charged was {$11000.00} written off but past due as of XX/XX/XXXX is {$9900.00} the account was open XXXX I dont know if it was a loan or lease new or old car

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: Block, Inc.
State: NV
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/23 I placed order XXXX XXXX XXXXXXXX & made 1st payment through Afterpay for {$18.00}, Total {$73.00}, remaining unpaid balance {$55.00}. XXXX  # XXXX, which as of XX/XX/23 does not have possession of my package. In spite of this information, XXXX has refused my multiple cancellation requests. XXXX, despite having this proof, STILL protected XXXX, which is bias. I've already cancelled the credit card, & advise all future customers to make other shopping arrangements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-13
Company: Bread Financial Holdings, Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone charged XXXX dollars on Dell account. Dell financial was changed to Dell pay. T he day i registered with them my account was charged for XXXX dollars by someone else. I have reported it to Dell and placed fraud alert on all credit unions but recieved notice fromtransunion saying they investigated and found it right. That is not my charge and i will not pay it. I only owe a little over XXXX dollars. The person accsess my account in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
I submitted a certified letter XX/XX/XXXX  tracking number XXXX demanding proof of alleged debts XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX in the amount of {$5100.00} and XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX for {$15000.00} and to Validate the debt with original Purchase agreement with all parties signatures, Also I demanded that they delete all prior reporting made to any consumer reporting agencies including TransUnion, XXXX, XXXX, XXXX and to cease reporting any collection efforts during the validation period. Also to note the account as being disputed in the remarks section of my report. As of XX/XX/XXXX XXXX XXXX  nothing has been done to my account they are still reporting this debt with no proof or Validation that it is mine and they have ignored 2 Certified letters 2nd   tracking number being # XXXX. XXXX, TransUnion, and XXXX all replied to my first dispute and request for validation was " item has been verified '' The E-Oscar software is not Validation or re-investigation and proof that an investigation was properly done and no proof of Purchase Agreement was supplied or the removal of debt while investigation took place.I also made them aware on the second letter that I would be filing a complaint with the CFPB and the XXXX because they are reporting misleading information that is causing me hardship and distress not being able to purchase a home for my family. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX ( MO ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact, therefore exist.

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 2023-10-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.

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 2023-10-22
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I reached out to Mr. Cooper our mortgage company on XX/XX/XXXX to complain to them about their failure to report mortgage payment history to the credit bureaus since XXXX when the mortgage was transferred to them by Seterus the previous mortgage servicer. I have not missed any mortgage payments even though I went through XXXX XXXX, and it was XXXX in XX/XX/XXXX. This information was provided by the Bankruptcy court and the bankruptcy trustee to Mr. Cooper and confirmed by Mr. Cooper. 
However, Mr. Cooper has refused to update my mortgage payment history with the credit bureaus under the pretext that they required my Bankruptcy attorney to write them formerly and make the request to start reporting my mortgage payment history.

I informed Mr. Cooper in writing that the bankruptcy practice no longer exists and as such there is no way to get such information. Moreover, Mr. Cooper has a copy of the bankruptcy discharge letter from the Bankruptcy Court, so I don't understand what the issue is with Mr. Cooper refusing to report my mortgage payment history to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
****************************DO NOT CLOSE MY COMPLAINT************************* **************** & ********THIS COMPLAINT IS NOT A DUPLICATE. ********************** THIS IS AN OFFICIAL NOTICE OF DEFAULT AND OPPORTUNITY TO CURE. I have made every step and will be forced to proceed with legal action if this invoice is paid and accountt/card restored. You have engaged in fraud, and I am seeking remedy and will not stop until I receive what I am owed as a federally protected consumer. 15 USC 1692h, if a consumer disputes an account, all payments must be refunded. I was uninformed and your agreement was fraudulent at best- you have committed 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 explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is in reference to : XXXX XXXX XXXX Account : XXXX Balance due : {$800.00} XXXX trust this message finds you well. I've been reviewing my credit report and came across some information that raised a few questions. In my exploration, I delved into the Fair Credit Reporting Act, specifically 15 USC 1681, section 602, which highlights the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I've been thinking about my rights and responsibilities in this context. According to 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. Digging deeper, I found 15 USC 1681, section 604, which outlines the circumstances under which a consumer reporting agency may furnish a consumer report. It explicitly mentions that they can do so only in accordance with the written instructions of the consumer to whom it relates. I want to emphasize that I haven't given any written consent for the sharing of my information, and this concerns me. Furthermore, 15 USC 6802 ( b ) ( c ) notes that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. To my knowledge, I have not been informed of such an option. I also stumbled upon 15 USC 1681c ( a ) ( 5 ), which states that no consumer reporting agency may make a consumer report containing adverse information without authorization. It appears that an adverse item is being reported without my permission, which, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, is against the law. The Act further mandates that consumer reporting agencies maintain reasonable procedures designed to avoid violations of the statute. Unfortunately, it seems that XXXX and XXXX XXXX not be following these guidelines, as indicated in 15 U.S. Code 1681e. Lastly, I discovered in 12 CFR 1016.7 that a consumer has the right to opt out of reporting services at any time. I'm choosing to exercise that right. I wanted to bring these specific sections of the Act to your attention and discuss how we can address these concerns. Your insights on this matter would be greatly appreciated. Thank you, 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 2022-09-24
Company: EdFinancial Services
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have requested a refund of my student loan payments made during Covid forbearance from EDFinancial. This is almost 7k to which I am entitled to a refund based on the CARES act. EDFinancial refuses to give me any kind of confirmation number or timeline for this refund. After a month of trying in vain, I am filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX Balance was paid in full for XXXX XXXX still shows on my report a balance of XXXX I HAVE DISPUTED THIS ON MY CREDIT REPORT and they still refuse to update accuracy on All 3 bureaus.

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 2023-02-09
Company: U.S. BANCORP
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have submitted a fraud dispute to US Bank Voyager for my Multi-Service " local '' Fuel card # XXXX. I have attached all the documents including the police report. I have rec 'd an email today stating that they are refusing my fraud claim for the following reasons : Your dispute case with Voyager has been denied.

Please see below reason for denial : Proper use of fraud controls were not in place at the time fraud occurred : The Voyager
Network Rules require a daily swipe, daily dollar, and monthly/cycle dollar limit. 

My cards were all replaced as of XX/XX/2022 because the old ones expired. I had a daily swipe limit of 5 and a daily spend limit set. If all parameters reset with the new cards I was not aware. I have called to voice my concerns regarding their denial. NO resolution was offered. This is a large amount for me to be out and I have never filed a dispute with them and have been a customer for years.

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 2023-11-06
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had 19 charges on my account That were not authorized I contacted Chime and denied all 19 transactions within XXXX minutes they provided me a mere list instead of a detailed summary or any other supporting documentation of an investigation of the stolen funds. The charges are still being attempted and no funs have been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 XXXX XXXX submitting yet another CFPB Complaint to request to the Credit Reporting Agencies to remove the disputed accounts in which I believe to be reporting erroneous information on my Credit File. While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. Pursuant to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, I need the Credit Reporting Agencies to notify me when the items have been deleted. Please reinvestigate the following accounts and have them corrected and or removed : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}

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 2022-09-24
Company: Experian Information Solutions Inc.
State: CA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX Balance {$510.00} XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX Balance {$420.00} XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance {$4500.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX Balance {$410.00} XXXX XXXX XXXXS ( Original creditor : XXXX XXXX  ) XXXX Balance {$830.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$480.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$79.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$1200.00}

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 2023-05-08
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a alert on my XXXX credit report that I was flagged in collections for {$860.00} I call the number provided and talked to a guy by the name of XXXX XXXX he stated that I had an account from XXXX XXXX I explained to him that I never had XXXX XXXX XXXX account from XXXX  XXXX and he told me we can handle it for {$400.00} he also said I lived at XXXX XXXX XXXX and they sent letters to a address that belonged to me that was XXXX XXXX  XXXX XXXX XXXX ga I let him know I have never lived there that I lived at my current address at those times I asked for a contact at witch he said he cant provide that there was no contact he wanted me to send him my Id and other information I then again explained to him that they had the wrong person Ive never lived in those places that I lived at my current address at that time and that I received disability and cant afford XXXX XXXX.That they have the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX Last XXXX of XXXX XXXX XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, XXXX, Equifix ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment. 

XXXX. XXXX XXXX XXXX Open XX/XX/XXXX ( Month Showing Late XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit reporting 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:
Hello, I would like these accounts removed off my report because I did not authorize these companies to run my credit report. Thank you

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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 a victim of identity theft please remove this fraud inquiry 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