BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$260.00}, XXXX XXXX Balance : {$940.00}, XXXX XXXX Balance : {$460.00}, XXXX XXXXXXXX Balance : {$540.00}, XXXX XXXX Balance : {$200.00}.

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 2023-08-23
Company: EQUIFAX, INC.
State: NC
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 

15 U.S.C 1666b Timing of payments : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-15
Company: FIRST ADVANTAGE CORPORATION
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
A background check done by First Advantage lists a XXXX conviction I never got. I had been given a misdemeanor and only a misdemeanor. Not XXXX as listed. Reference # XXXX is incorrect and needs to be deleted. Reference # XXXX is the correct charge I received that day. Please correct immediately. County court XXXX in XXXX XXXX Tx is records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
HELLO name-XXXX XXXX XXXX 
XXXX XXXX i renew my cd on XX/XX/XXXX with number XXXX online with bank marcus by goldman Goldman Sachs Bank USA XXXX XXXX XXXX XXXX XXXX PA XXXX this cd is keep renewing for more than two years i am loyal costumer for the bank.in XX/XX/XXXX i saw some account name XXXX XXXX XXXX is connected to my cd XXXX and my saving account XXXX and that is not my account and i never requested it. ere XXXXXXXX XXXX th withdrawal from saving XXXXand bank deposited back without informing me so i called bank today XXXXabout this fraud they ask me to to close the saving account so i did .but they didnt close my cd and asking XXXX for closing the cd.as of now XX/XX/XXXX until XXXX still that fake account is connected and showing that money will go to that account ( XXXX XXXX ) which is not mine. 
so i ask bank that i want to withdraw my money from my cd because of this scam but they are asking XXXXXXXX XXXX to do that so please help me to get my money back. 
note- bank withdrawal XXXX and put back is XXXX without my request.so they new something is wrong still not informing me. 
i talked to three different departments of bank but no response please help me to get justice i have all supporting documents and bank calls are all recorded lines of banks thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Nelnet, Inc.
State: WA
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 have twice now contact my student loan servicer, Nelnet, regarding the issue I am experiencing through their " Contact Us '' portal. I should have an autopay discount applied to my student loans, however each of the XXXX times it has been applied just in this month, it has reverted back to my original interest rates. 

I am properly enrolled in auto-pay, making regular above-minimum payments and yet accruing interest at a rate that is not accurate to my account. 

The most recent attempt at contacting Nelnet was yesterday, XX/XX/XXXX. Prior to that, it was early XXXX and I do not recall the date as it is not directly through email that I contacted the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I was supposed to receive an account opening bonus of {$400.00} several weeks ago after meeting all stated criteria. After reporting this issue to PNC on XX/XX/2023 by chat, they opened a ticket ( XXXX ) with their research team and asked me to check back in 3 weeks. When I checked back in 3 weeks later, I was given confusing and incomplete information by their chat agent, XXXX, who re-asked for the same information and re-raised a request despite me asking her not to. I wanted an update on the reference that was raised weeks ago, and she continued to ask for the same information provided weeks ago. I do not feel comfortable with how PNC has handled this- if there was an issue with reference XXXX, they should have reached out to me, and they should have reviewed the original request to see that all information was provided. At this point, PNC has not handled crediting my account for this promotion or communicating with me properly regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: ERC
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:
Received a flag on XXXX credit report rom Enhanced Recovery for amount of {$950.00}. After contacting XXXX I learned this was for an XXXX XXXX XXXX XXXXccount-which I don't have. Nor have I ever had an XXXX XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
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:
Consider this complaint as a follow-up to my prior complaint dated XX/XX/XXXX, that contains disputed items that came about to be fraudulent, Please remove the items for they are causing damage to my scores and files in my credit report, Here are the aforementioned items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-24
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXXXXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX 

In accordance with the Fair Credit Reporting Act the companies listed above violated my rights... 

15 U.S.C 1681 Section 602 a credit reporting system that is fair and accurate to the consumer, and protects the privacy and specifies the permitted uses of consumer information.

15 U.S.C 1681 Section 604 the user must have a permissible purpose that is consumer specific, such as a credit transaction, a business transaction, or a court order involving the consumer who is the subject of the report.

15 U.S.C 1681 Section 623 it prohibits reporting information with actual knowledge of errors and requires notice of dispute and notice of delinquency of accounts. It also allows consumers to dispute inaccurate information directly with the original creditor after completing the process with the credit bureau. Furnishers of information may face civil liabilities for willful or negligent failure to comply with these duties.

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 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I am writing to report a case of identity theft that has resulted in fraudulent information appearing on my credit reports from XXXX, XXXX, and TransUnion. This situation is causing severe harm to my credit, personal life, and the well-being of my family members. Despite following all required legal procedures and providing necessary documentation, the credit reporting agencies have not taken any corrective action. I urgently seek the CFPB 's intervention to ensure that XXXX, XXXX, and TransUnion fulfill their legal obligations by promptly removing the fraudulent information, which is jeopardizing my financial stability and the security of my family members who depend on our shared financial well-being

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 2023-07-30
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX Account number : XXXX am not liable for the debt with XXXX. I do not have a contract with absolute resoultions inv, they did not provide me with with the originial contract as requested. 

XXXX Account number : XXXX I am not liable for this debt with this company, neither have they provided me with the original contract bearing my signature as i requested. 

XXXX XXXX XXXX  Account number : XXXX. I am not liable for this debt with XXXX this account does not belong to me, neither have they provided proof of this alleged debt by providing me with a contract bearing my signature as requested.

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 2023-09-21
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/23 I randomly got charged XXXX {$100.00} transactions at the same time. The transactions showed that my money was about to go my cash app ( the merchant ) but the issue is I didnt authorize to move any money to cashapp so I wanted it back in my checking account. Less than XXXX minutes when the transactions started posting it was still pending but I wanted the transactions cancelled. So I contacted chat right away but they said they couldnt do anything until the transactions were done pending but I wanted the transactions canceled before they were even done pending because I know I didnt authorize anything. So at the the same time around an hour after those transactions posted as pending and my {$500.00} was gone out of my account I contacted the merchant cash app through their chat and told them to cancel those transactions and my XXXX was not even in my cashapp account yet. Cash app told me they returned the funds back. My {$500.00} wasnt back in my checking account but once the transactions were done pending I started the dispute with XXXX XXXX. They now kept me waiting for weeks to get my money back just to deny my dispute. I contacted them back about it because they didnt even ask for no proof that I didnt authorize the transactions. So I sent them screenshots and more emails and they told me to wait a couple more weeks for their decision. They sent me the documents used against my claim and they make no sense. It says in the documents that by accessing the application and viewing the screens and transactions that I acknowledged it. That is wrong just because I was viewing the transactions doesnt mean I acknowledge or approved anything. So Ive called it about it to make sure they note that to the internal team. Ive now lost {$500.00} to these disputes that were wrongfully denied and have waited way too long to get it back when I know I didnt authorize anything it shouldnt take this long to figure that out by now and when I have all the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: EQUIFAX, 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: IL
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:
Despite my previous requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I never recieved a response from three credit bureaus as I sent a letter to them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. Please correct the following accounts as they are inaccurate : XXXX XXXX XXXX XXXX Balance : {$27000.00} ; XXXX XXXX XXXX Balance : {$340.00}.

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 explanation
Consumer complaint received 2023-07-30
Company: Experian Information Solutions 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:
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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts. However, they stated everything was complete and accurate. But how is that possible if the open date, last activity date, and more are incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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 an 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.

Also, they aren't even in compliance with Metro 2 credit reporting.

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 2023-12-08
Company: EQUIFAX, INC.
State: FL
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:
To Whom It May Concern, I, XXXX XXXX, am submitting this Identity Theft Affidavit to report and dispute fraudulent activities and unauthorized transactions that have occurred under my name. I assert that the information provided herein is true and accurate to the best of my knowledge. 

I became aware of the identity theft on XX/XX/XXXX  when I noticed suspicious activities on my financial accounts and received communication regarding accounts I did not open. This has caused significant distress and concern for my personal and financial well-being. 

I have taken immediate steps to report this identity theft to the relevant authorities, and notifying my financial institutions. I am in the process of working with the affected entities to rectify the fraudulent transactions and secure my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have faught and won against this same debt collection 3 times at this point. I do not owe this company any money as i have not business with them. I requested that XXXX remove this negative info from my consumer report and it keeps returning from a different 3rd party debt collector. The burden of proof is on the credit reporting agency to verify the accuracy and relevancy of all info reported. This is clearly described in U.S Code 1681i where is also mandates that once info has been certified as false, it must be " permantly removed ''. My ability to obtain credit has been negatively affected through a tarnished consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: AXOS FINANCIAL, INC.
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a XXXX XXXX state government check for XXXX XX/XX/2023 at Axos Bank. The funds are on hold. The bank told me after reviewing that the funds will be available XX/XX/2023. Thats more than 10 days of holding my full amount. Im struggling financially because of this situation. I need to pay my expenses and bills in order to live a comfortable life. I think its unfair and undeserving since the check is from a government entity. I please request that funds be available immediately. Axos Bank advertises as a technology advanced bank and that the strive to be different from traditional banking. They did not hold true to these words.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE 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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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