BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open.

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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I reviewed my Consumer Reports and noticed that I had a few late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the the following accounts. 

Account Name : XXXX Account Number:XXXX Please investigate and provide valid Proof with statements showing that these payments were late. If Valid and substantial proof can't be provided I demand these payments be updated to on time as they should be, as I was NEVER Late. Thanks for your prompt time. 

Signed : 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 2023-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I purchased some shoe boxes from a company online. When I finally received my package, the item that was received was not the item that I ordered. I disputed the charge with Capital One and they temporarily refunded my account. Apparently, the vendor send Capital One notice that the item sent was " foldable shoe boxes '', and that was enough for Capital One to accept their response. The company sent me what was essentially a plastic bag, so Capital One accepted this as " foldable '' and closed my claim and has denied all of my future disputes. The company does not have a phone number listed and my emails have been ignored. 

The charge for the item was on XX/XX/XXXX. Temporary credit was issued XX/XX/XXXX and charged again to me on XX/XX/XXXX. The charge is for XXXX from XXXX XXXX. I've emailed XXXX XXXX XXXX in XX/XX/XXXX and in XX/XX/XXXX with no response. Capital one has denied my disputes from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-27
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I am writing because, in the very early morning hours of XX/XX/XXXX I paid {$17000.00} toward my outstanding student loan debt ( see Exhibit A, account history by EdFinancial ). Later that morning, I received an email from the Department of Education informing me that I was eligible to have my student loans forgiven ( see Exhibit B ). I immediately contacted EdFinancial to state emphatically that I did not want to opt out of IDR forgiveness ( see Exhibit C ). 

Since then, I have been unable to obtain accurate information about when and how I will receive the refund of the {$17000.00} I paid on XX/XX/XXXX XXXX Exhibit A seems to indicate that the monies have been refunded, but that is not accurate. The Federal Student Aid website states that I will receive a refund through the same method through which I made my payments ( electronic ) ( see Exhibit D, printed on XX/XX/ ), but that is not accurate. The Federal Student Aid website also lists my loan balance as {$0.00} ( see Exhibit E ), when it is in fact XXXX 

I have had several emails from EdFinancial stating that the refunds will be issued by the Department of Education and the U.S. Treasury ( see Exhibit F ). Most recently, I received an email from EdFinancial directing me to go to XXXX  in search of information about my refund ( Exhibit G ). It was of no help at all. 

I very much need the refund of {$17000.00}, as soon as possible. Please advise what I can expect, and what steps, if any, I need to take to obtain the refund as soon as possible.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-17
Company: Self Financial Inc.
State: MI
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:
XXXX XXXX XXXX Reported On XX/XX/2023 Account Balance {$1500.00} This lender or creditor reported that your payment was 30, 60, 90 or more days late. 
XXXX  XXXX Reported On XX/XX/2023 Account Balance {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: VA
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge 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:
On XX/XX/2023 I made a purchase for legal services with a Law Firm in XXXX, XXXX. I paid using my Navy Federal Visa Credit Card. I never received any services from this law firm in XXXX and the law firm has stopped responding to any of my requests.Navy Federal denied my dispute claim for fraud protection claim for the moneys I paid this law firm ( I paid {$6900.00} )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: FL
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'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit report act, this creditor has violated my rights. Under 15USC1681 section 602 states, I have the right to privacy. 15USC1681 section 604A, section 2, also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

Accounts in violation are as follows : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX XXXXXXXX Account # XXXX {$2900.00}. please remove unauthorized/ inaccurate collection off my credit report immediately you are in violation under 15 USC 1681B and 15 USC2f.

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 2023-07-10
Company: EQUIFAX, INC.
State: PA
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/XXXX, I noticed on my Equifax credit report that there was a hard inquiry from XXXX XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX. I never tried to open a credit card account with XXXX XXXXXXXX XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I called The XXXX XXXX, with the help of an identity protection specialist, and spoke with XXXX in Security/Fraud. She said that there was nothing opened in my name or SS # and to dispute the hard inquiry online with Equifax. 

On XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ), I submitted disputes to Equifax regarding the hard inquiry on my credit report from XXXX ( The XXXX XXXX XXXX XXXX XX/XX/XXXX. I submitted that " I believe I am a victim of identity theft and that the inquiry is not mine ''. Both dispute results are " Inquiries are of factual record of file access and will remain on the Equifax Credit File two years from the reported date of the inquiry ''. This is a false statement and I want this hard inquiry removed from my credit report. 

On XX/XX/XXXX ( XXXX ), I submitted a dispute to Equifax regarding the hard inquiry on my credit report from XXXX ( XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX. I submitted that " I didn't give this company authorization to access my credit report for this reason ''. The dispute result was " Inquiries are of factual record of file access and will remain on the Equifax XXXX XXXX XXXX years from the reported date of the inquiry ''. This is a false statement and I want this hard inquiry removed from my credit report. 

On XX/XX/XXXX ( XXXX ), I submitted a dispute to Equifax regarding the hard inquiry on my credit report from XXXX ( XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX. I submitted that " This is not my inquiry ''. The dispute result was " Inquiries are of factual record of file access and will remain on the Equifax XXXX XXXX XXXX years from the reported date of the inquiry ''. This is a false statement and I want this hard inquiry removed from my credit report. 

On XX/XX/XXXX ( XXXX ), I submitted a dispute to Equifax regarding an incorrect address ( city ) on my credit report. I was not given access to the dispute results however my address ( city ) remains incorrect on my Equifax credit report. This is an incorrect address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-09-18
Company: EQUIFAX, INC.
State: PA
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:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXXXXXX XXXX : - XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXXXXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX : {$2700.00} XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/202XXXX XXXX XXXX Inquired on XX/XX/202XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I, XXXX XXXX, am writing this complaint in response to complaint XXXX. You stated that my credit report was updated and that the late payment reporting XX/XX/XXXX was removed but it is still reporting on my most recent credit report which I will attach for your reference. I will be suing XXXX and Transunion if this account is not updated or removed from my credit report. Please see the attached loan payment schedule from the company XXXX and remove the account from my credit report. This account has been paid satisfactorily. You are reporting this account as 90 days past delinquent when it was only 30 days past delinquent. Your incorrect reporting caused this account to be considered a charged off account per the status on my credit report. Charge offs/ collections are removed 7 years from the date of my first missed payment. My first missed payment according to the payment schedule ( which I will attach for your reference ) was XXXX This account should have been removed in XXXX, yet it is still reporting. All of the payment history in XXXX is incorrect. I am sure you understand that this is a FCRA violation. XXXX has since removed this outdated and inaccurate account and I am requesting that XXXX and TransUnion follow suit.

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 2023-10-10
Company: SANTANDER HOLDINGS USA, INC.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I got a car XXXX XXXX and since I've gotten the car it's been nothing but issues. Santander is the lending company I've been dealing with. I'm on a fixed income and have talk to multiple people about it. I pay what I can and sometimes pay multiple times a month but the late fees seems to be either the same or more than the actual note. Lately they have been calling and threating repossession. Ive talked to them about what i need to pay to get my car out of repossession and I have been able to pay that amount. There is a 3 day holding when I pay. When I get the confirmation that I paid the calls stop but as soon as they take the money out of my account they are back calling me saying my car is up for repossession. I have tried multiple times to talk to somebody about help and they constantly deny me. Then when I find someone who is willing to give me the information I need to fix it. I get a call from someone else back telling me that I need to pay the full balance immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: SC
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:
My right to privacy is fundamental. I have a right to choose what I want disclosed. However I did not consent to, authorize nor benefit from these inquiries listed on the Indentity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
PLEASE SEE ATTACHED FILE

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 2023-09-12
Company: Experian Information Solutions Inc.
State: MI
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:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2023-09-12
Company: Experian Information Solutions 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:
I respectfully ask for a swift update of my account with the accurate and precise information. Your prompt response in resolving this issue is highly valued.

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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/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