BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: PA
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 have had no other option but to dispute the account below as their are many violations and would like it reviewed and deleted... 


Account : : : : XXXX XXXX XXXX XXXX  Amount : : : : {$7400.00} As per law 15 USC 1681 e they never furnish me a 1099 C FORM! as they were suppose to! I was suppose to file for ordinary income an they have violated my rights. 

Also as per my rights I should be aloud to see my full account number on my file an its not reporting properly. As per its not reporting my first date and when the collection was picked up. Its showing no activity whats so ever except its a charge off an a amount. I am not even able to reach out because no numbers are provided! 

Also they had a tax break as its a charge off so my file shouldn't be furnishing a amount to a debt that no longer is due to it being paid. I would like this to be deleted as soon as possible please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: FinCo Services Inc DBA Current
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX at XXXX and XXXX there were two fraudulent charges on my account that I did not authorize. The first being fraudulent XXXX  XXXX New York for the amount of {$140.00} and the latter being XXXX XXXX XXXX XXXX XXXX New York for the amount of {$100.00}. I did not have knowledge of either transaction nor did I give permission or authorize these charges in any way. Both transactions were made out of New York and I do not reside, have ever lived, or even known anyone from that state. 

After seeing these charges on my bank statement I immediately opened a dispute with Current Bank and even took the extra initiative, contacted the two merchants myself, and was successful in stopping the purchases. Both merchants were able to find the charges and cancel the transactions. 

Current mobile banking started a claim with a dispute on XX/XX/XXXX which remained opened and in review until a decision was stated 4 months later on XX/XX/XXXX. 

Although, the dispute did show, it was yet to be resolved in my banking app. Later on I did receive an email stating that no error occurred and I would not be getting any adjustments on my account. 

After waiting all that time, I had reached my peak with the unacceptable, unethical, and downright unprofessionalism of the bank. This is the third occasion where my bank account was hacked into and I lost funds. Every time I have made a claim and disputed it I was denied. I also had a fraudulent charge on XX/XX/XXXX for the amount of {$96.00} for XXXX that I did not make. A claim was made for this issue as well and no reimbursements were made. In addition, there was a purchase that I actually did make myself but never received the item on XX/XX/XXXX for the amount of {$76.00} through XXXX. This one I tried to get reimbursed as well and { ( Current Bank ) ( XXXX XXXX XXXX ) } did absolutely nothing for me. I am absolutely fed up with their unethical practices at Current Bank and have already changed my direct deposit from their bank to another and am also prepared to report their problematic business with the XXXX. I have tried over and over to get in touch with live agents from the bank and have been stonewalled and denied justice repeatedly. I have concluded that I will no longer utilize this bank. 

P.S. Two of the 4 merchants responded with emails stating that they were able to stop the fraudulent charges and both provided a ticket to track my case. ( see attached emails ) XXXX denied me and instructed me to go through my bank for the ( XX/XX/XXXX ) transaction that I did actually make. For the ( XXXX, XXXX ) charge it was too late to contest with XXXX due to me not seeing it until the transaction had already been processed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have reached out to XXXX and XXXX to update my credit profile and remove inaccurate and fraudulent addresses, names and other information from my credit profile and they have refused to do so. i asked them to delete all of the following information and they have refused. XXXX XXXX XXXX XXXX Mi XXXX, XXXX XXXX XXXX Mi. XXXX, XXXX XXXX XXXX XXXX Mi. XXXX, XXXX XXXX XXXX, XXXX, Mi. XXXX, XXXX XXXX XXXX XXXX, Mi XXXX. These addresses are inaccurate and fraudulent and they need to be removed. These names are inaccurate and need to be immediately removed, 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 2022-11-17
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
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: Personal information incorrect

Complaint:
Incorrect personal information on credit file. 
Incorrect personal information associated with debt belonging to XXXX XXXX XXXX, XXXX. 

I have contacted XXXX from XXXX XXXX XXXX to advise that the personal information such as the social security numbers listed on my credit file do not match, do not belong to me, are incorrect and belong to my minor children. Also, the social security numbers on file are linked to debtor accounts that do not belong to me and should be therefore deleted. 

Below are the social security numbers : SOCIAL SECURITY NUMBER XXXX Incorrect Personal Information XXXX Incorrect Personal Information I have provided the correct social security number in the form of proof of identity via a social security card. 

In XXXX of XXXX, I contacted XXXX XXXX XXXX requesting validation of the debt via the social security number on file. However, they have refused to provide the information related to validation and verification of the debt. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number?

2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed?

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 2023-09-16
Company: EdFinancial Services
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Greetings, On XX/XX/XXXX, I took out a federal direct XXXX loan to attend XXXXXXXX XXXX XXXX XXXX my XXXX year. The loan was taken through XXXX XXXX XXXX. I completed my XXXX year and joined the XXXX in XX/XX/XXXX. As of XX/XX/XXXX, I owed {$3200.00} on this loan through XXXX XXXX ( I have pictures of billing statements to reflect this ). In XXXX of XXXX, I XXXX to XXXX. Because I did not have any living expenses, I took the majority of my pay over the course of my first several months of XXXX to pay this off. I made my final payment to pay off the entire balance on XX/XX/XXXX to the amount of {$610.00} ( I have screenshots to reflect this ). 

I was XXXX from the XXXX in XXXX of XXXX and received no correspondence from XXXX XXXX because my loan repayment was satisfied. I began using my post XX/XX/XXXX GI Bill at XXXXXXXX XXXX  and graduated in XX/XX/XXXX with benefits remaining and XXXX educational related debt. 

On XX/XX/XXXX I received an email saying my student loans were transferred to XXXX. I figured this was fraudulent because I was using my GI Bill and my student loan from XXXX was paid in full. After several months of receiving mail from XXXX regarding a student loan, I ran an official credit report from XXXX XXXX XXXX XXXX and saw a {$2700.00} outstanding student loan through XXXX as of XX/XX/XXXX. I attempted to contact XXXX to figure out how this outstanding loan was possible given the circumstances I explained above. After an hour of waiting on hold, I was informed that my student loan was transferred AGAIN to a company called EdFinancial services. When I spoke to an EdFinancial representative via phone call, I was told that my loan was taken out through XXXX XXXX I asked them to send me the promissory note as proof of this loan 's existence. I just received the promissory note ( over a month later ) stating that the loan is from XX/XX/XXXX for XXXX XXXX  ( not XXXX ). I attempted to login to XXXX XXXX XXXX to obtain records for my proof of payment, but the website directs me to XXXX. I am extremely frustrated and at a loss as to how this mistake occurred in the first place, and especially the difficulty in obtaining any useful information through the three different companies. At this moment, it seems impossible to speak to any person with the authority and access to information that can remedy this mistake. 

I apologize for the length of this explanation, I thought it was necessary to fully explain. 
Thank you for taking the time to read this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX XXXX Account # 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 instruction

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 2024-01-02
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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2023-09-01
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 information incorrect

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXXXXXX 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 2023-07-31
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: Problem with personal statement of dispute

Complaint:
I have now requested that the dispute comments be removed from the XXXX # XXXX be removed as I no longer dispute the account and it was resolved. I have made the request 3 times ( last attempt was on XX/XX/ ) to each bureau and it still appears. This dispute is interfering with my ability to obtain a mortgage and rates keep going up.

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 2023-08-12
Company: Experian Information Solutions Inc.
State: TX
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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: EQUIFAX, INC.
State: CA
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 appreciate your assistance in REMOVING a piece of the info in my credit file that resulted from FRAUD, but I still have ITEMS passed on that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report from a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit report just to see that there was a fair amount of inquiries to my credit report. In the Attachment, it will be a list of accounts along with the date of inquiry. These inquiry accounts are fraudulent and not mine. I did not authorize or initiate any of the inquiries. I also wanted to add XXXX XXXX XX/XX/2023 which is an auto finance inquiry.

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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have a legal right to dispute anything on my credit report that was not authorized by me. there area accounts on my credit report that does not belong to me and that is in violation of FCRA. Here are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-02-07
Company: DISCOVER BANK
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Good day! I am writing concerning my experience with Discover that is both a grateful thank-you and a pressing request concerning a trade-line in my credit files that I would like to have revised. I received my Discover Card in early 2021 and took pride in the fact that all my payments were routinely made in a timely manner. Unfortunately, since then my life took an unfortunate turn. I lost my uncle, aunt, and brother to the horrid XXXXXXXX XXXX. This led me to fall into debt, and having to sell nearly everything of value that I owned. I was left in a very unfavorable position financially. Not only do I take care of my mom and younger brother, but I have had to make many sacrifices over the last two years in attempts to create a better financial situation ; I was forced to forfeit my school tuition because it was no longer within my abilities to afford. Concessions had to be made and regretfully, this led to late payments on my Discover secured credit card. The loss of income was a brutal wake-up call for me, and I now am attempting to make steady efforts step by step to hopefully avoid bankruptcy. I have gained two sources of income, as well as financial management skills to assure that I will never be late on a payment again. I am hoping to soon begin the process of purchasing my first vehicle, and it has come to my attention that the late notations from Discover may prevent me from taking full advantage of the best rate available. I am requesting that you grant me a second chance at a positive credit rating by allowing me to be relieved of all late notices under financial hardship ; and hopefully we can work out a payment plan to finish the remainder of the balance on the account. I sincerely hope that there is redemption at Discover, as I hope to remain a card member, I plead for such consideration. If any additional documentation would assist in reaching a positive outcome, please feel free to contact me. I thank you for the time you have spent reading this correspondence. Very hopefully yours, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: AMERIS BANCORP
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 received my XXXX report and noticed a inquiry from Ameris Bancorp on XX/XX/2023 located in XXXX. I have not conducted any sort of business with this financial institute

Company response to consumer: In progress
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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, Account name : # XXXX, Account name : # XXXX, Account name : # 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-24
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I got scammed today through my chase XXXX  payment! I sent XXXX payment of {$300.00} to another person on XXXX XXXX XXXX than I realized it was scam and I automatically contacted my JP Morgan chase bank to dispute the transaction but I was told they are not able to do it because it was done by XXXX payment as the third party! I have all emails, and communication with the scammer. Also my bank just fillled the complaint thats all they were able to do it and told Me to contact the XXXX  but because of the holidays I was not able to speak with their customer service and I just filled the scam report on their website! Please help me to solve this matter and get my money back! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
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: Account status incorrect

Complaint:
Equifax is reporting a collection account on my credit report ( US Departmetn of Education acct # XXXX ). This XXXX XXXX XXXX account was moved to XXXX XXXX and placed back into good standing due to the government 's Fresh Start Initiative which places the account back in good satnding and removes the negative information from the credit report. Both XXXX and XXXX have removed the item but Equifax has not.

Company response to consumer: Closed with non-monetary relief