BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX Amount $ XXXX collections Account # XXXX amount {$430.00} The XXXX XXXX XXXX XXXX Account # XXXX, Account # XXXX Amount {$220.00}. XXXX collections Account # XXXX Amount {$480.00} has violated my rights. 

15 U.S.C1681 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 account without my written instructions.

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 2021-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 noticed a few accounts on my report that are invalid and are not mine

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 2022-04-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently discovered that my ex husband, XXXX XXXX XXXX, has had an extensive, documented history of credit card and identify fraud. After requesting a copy of my credit report via TransUnion, I learned that I am one of his most recent victims. 

Although my actual birth date is XX/XX/XXXX, the report lists XX/XX/XXXX. I have been employed by XXXX   XXXX XXXX Hospital since XXXX, however the credit report lists my occupation as a XXXX XXXX at XXXX XXXX in XXXX  XXXX, TX -- -one of XXXX XXXX most recent places of employment. 

XXXX 's credit history is quite arguably one of the worst ever known. I recently obtained information that his driving record was suspended in XXXX until the year XXXX. By utilizing false documents and credit information, he recently obtained a XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: MARINER FINANCE, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I had a personal loan fro m Mariner Finance th at I stopped paying when I became unemployed in  XXXX  of  2016 . I had credit insurance that paid the loan f or 4-5 months during my unemployment. Mariner Finance filed a judgement against me while they were receiving payments from the insurance company. The company has unfair business practices, as they have  filed  XXXX  judgements against me, so it actually looks like I owe them double the amount of money. The reason for this particular complaint is because they have been doing hard pulls of my credit report, that were unauthorized since the account has been closed. I can furnish copies of my credit reports to prove this. They must be stopped. My credit is bad enough as it is, and they are making it worse.

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 2017-06-11
Company: WESTERN UNION COMPANY, THE
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On  XXXX / XXXX / 2017  a money transfer of {$1500.00} was sent to   XXXX   XXXX   XXXX   XXXX   XXXX   vi a Western Unionim  error. I calle d Western Union within 1 hour of the funds being sent to request a transfer to the correct company. Western union stated it could take up to 48 hours for the transfer to process, so then I request a refund and that would also take up to 48 hours. I call   western un ion on  XXXX / XXXX /   17  to see if the refund was available and they said  XXXX  had not replied to the refund request. I called  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    and  XXXX   XXXX   XXXX   has no record of the transfer of money seeing that I do n't even have an account with them and the account  number that was sent on the transfer does not even match their account numbers. I sent a fax of the western union to   XXXX   XXXX   along with the sequence number, and they have no payments in their system. Western Union ref uses to refund me the amount that was sent to the incorrect company. I have no account now or in the pass with  XXXX   XXXX   XXXX   or any of it 's affiliate s. Western Union  repersentive have stated that they have sent multiple request to  XXXX   XXXX   XXXX   XXXX   XXXX   since  XXXX / XXXX / 2017  (  at least 3 emails ) and have not been replied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Experian Information Solutions Inc.
State: AR
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:
ONCE AGAIN XXXX XXXX XXXX AND ITS LEGAL COUNSEL AND AGENTS ARE LLYING AGAIN! AUTO LOAN NO. XXXX AS WELL AS XXXX, AND EXPERIAN ARE IN COLLUSION AND ARE CHRONIC DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT. THEY AGREED TO UPDATE UNDER FAIR CREDIT BILLING ACT ( F.C.BA.-T.I.L.A OR BE DELETED BY ALL CREDIT BUREAUS, AS OF TODAY XXXX REFLECTS RECENT BALANCE {$17.00}, XXXX, STATUS ACCOUNT CHARGED OFF {$17.00}, XXXX, the date of status was XX/XX/2018 and a recent payment of {$17.00}, XXXX, this is the same info on EXPERIAN . XXXX AND XXXX   ALREADY DONE SO 3 MONTHS AGO.

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 2018-12-06
Company: LEXISNEXIS
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
LexisNexis has wrongly reported to XXXX XXXX XXXX XXXX XXXX erroneous information which has impacted in a negative way my so-called insurance score. I ahve requested multiple times from LexisNexis to receive my credit report under the reference number XXXX. They have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Experian Information Solutions Inc.
State: TX
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: Didn't receive services that were advertised

Complaint:
XXXX XXXX, XXXX. misapplied a payment in XX/XX/2018. I was told they would correct in one billing cycle. It has been three billing cycles. I have spoken with several people who assured me that this would have no negative affect on my credit file. They reported it as late for more than 2 months, they have sent me two collection letters, and the worst is that my credit scores have dropped more than 60 points.

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 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 according with the FCRA convergent account below has violated my rights In accordance 16 USC 1681 Section 1602 A states I have the right to privacy.

16 USC 1861b Section 2 also states : A consumer reporting agency can not furnish a account without written instructions. 

XX/XX/XXXX XXXX XXXX XXXX Partial Acct XXXX {$1800.00} XX/XX/XXXX XXXX XXXX Acct XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX Acct. XXXX {$0.00} ( 3 Entries ) XX/XX/XXXX XXXX XXXX Acct. XXXX ... {$1300.00} XX/XX/XXXX XXXX XXXX XXXX Acct. XXXX {$4400.00} XX/XX/XXXX XXXXXXXX XXXX XXXX Acct. XXXX {$240.00} XX/XX/XXXX XXXX XXXX XXXX  GA XXXX ID # XXXX XX/XX/XXXX XXXX XXXX Acct. XXXX {$860.00} XX/XX/XXXX XXXX XXXX XXXX Acct. XXXX {$78.00} XX/XX/XXXX XXXX XXXX Acct. XXXX {$200.00} XX/XX/XXXX XXXX XXXX Acct. XXXX {$860.00}

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 2018-04-08
Company: SYNCHRONY FINANCIAL
State: CA
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:
While paying for groceries at our local XXXX store the cashier asked if we would like a Walmart card we said no and she said we would get {$25.00} off our bill for signing up and we could cancel if we decided we did not want it.We were paying cash and spending close to {$200.00} so my husband said ok and started giving her the information she needed. I really did not want him to get it and told him but he was paying with his cash so I backed off. This is why I remember this incedent. So when he paid the cash he looked at the receipt and the {$25.00} discount was not on it. She said oh it will come off when we get the card on the next bill, he said that's if I use it, I signed up because I thought it come off this bill, so we left a little upset because we felted miss led. This was last summer I'm guessing around XXXX or XXXX, then forgetting about the incedent we got the Walmart card  and the statement in the mail and when he looked at he said how can we owe this when it just came in the mail? The bill was over a XXXX dollars and I said that's crazy I think they charged us what we paid cash for. No {$25.00} discount was on the statement. So he called them and they wanted proof and frankly never believed us. I started looking for the receipt and I must have thrown it out. So without that we don't have solid proof, so when we asked them for proof of our purchases all they said was they would check into it. From then on it seemed the burden was on as and frankly I feel they ripped us off and they have not shown us proof of purchases yet they say we are uncooperative. We do not want the card asked them to cancel it. They said after investigating they felt we still owed it. That is rediculus. How could we charge anything when it wasn't issued yet and where did the cash go - in someone's pocket. This is exactly why I hate credit cards. We do not owe this and XXXX has lost my affection and respect they are just another ripoff retailer.

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 2021-11-12
Company: EQUIFAX, INC.
State: CA
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, XXXX XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with US DEPT OF EDUCATION , XXXX XXXX XXXX and XXXX XXXX, ./// EQUIFAX, XXXX and XXXX willfully violating the FCRA XXXX Without my direct written consent these reporting agencies have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of these account on my behalf with US DEPT OF EDUCATION , XXXX XXXX XXXX and XXXX XXXX./// EQUIFAX, XXXX and XXXX based on false and misleading representation with undisclosed material facts, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// EQUIFAX, XXXX and XXXX are harming my reputation, by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) EQUIFAX, XXXX and XXXX need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy . My consumer right to privacy has been breached in multiple counts, for multiple accounts by these agencies./// Pursuant to 15 USC 1681b ( a ) ( 2 ) EQUIFAX, XXXX and XXXX may NOT furnish negative information to my consumer credit report without with my written instruction. No consent is identity theft//// THEY NEED TO REMOVE AND DELETE all accounts associated with US DEPT OF EDUCATION , XXXX XXXX XXXX and XXXX XXXX immediately from my consumer credit report. Failure to delete will result in immediate action in Federal District court, and I will be seeking damages under 15 USC 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: CITIBANK, N.A.
State: IA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
RE:XXXX Letter apology sent by Citibank on XXXX/XXXX/2017 admitting a mistake and that say account will be deleted, but it still showing as deferred on my credit report as of XXXX/XXXX/2017.

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 2021-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
To whom it may concern : I reviewed a copy of my credit report and ( XXXX XXXX XXXX ) address XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XX/XX/2021 ( CAP ONE NA  ) Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/2021 Ran an unauthorized credit inquiry on XX/XX/2021 and XX/XX/2021. 
I never authorized such action and this constitutes a violation of my Rights under the fair reporting ACT:604 as well as a violation of my rights to privacy. Please contact ( XXXX XXXX ) and ( CAP one ) and investigate such occurrence. This needs to be removed immediately. 
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of :612 ( 15 USC:1681j ) there should be no charge for this report. In addition, as part of youre investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My wife and I had a joint checking account with USAA. Both my wife and I applied separately and independently for a USAA credit card. I was denied but my wife was approved and added me after the account was already in place as an authorized user. The bank instead put me down as a joint account holder. In XXXX, USAA closed our joint checking account without notice or explanation after being a customer for over five years. Because of the checking account closure, access to the online portal for the credit card as well as access to the online portal for my truck loan was removed. There was no way to see any information for any of my USAA accounts. As a result, all deposits and automatic payments for my credit card could not process through my checking account. USAA was aware I had no access to any of my accounts. In the meantime, my stimulus check was deposited into USAA and they took money from the check to cover a overdraft and mailed me the remaining balance. Approximately two weeks later, the check was received by me, which I had no way to cash since they closed my account and I had to open a new checking account elsewhere. As a result, USAA reported a missed payment on my credit for the month of XXXX. The missed payment was caused by USAA due to their removing my account access to pay the bill. I still can not access my truck loan online and USAA will not restore access for me to view my loan. Due to no notice from USAA that they intended to close my account and by removing my online access, they effectively caused the missed payment for XXXX and negatively reported it on my credit. There was ample notice and communication with USAA during this time frame and attempts to regain online banking to pay all bills prior to the credit card account ever being late. I promptly paid off the credit card approximately 2 weeks later when I received the close out check sent from USAA from my stimulus payment which was in XXXX and closed the credit card account immediately. Because I was only to be an authorized user, closing the account should have removed the credit card fully from my credit report but, because they listed me as a joint account holder, I now have a closed account with a missed payment for XXXX reporting on my credit. The missed payment for the credit card was a direct result of USAAs action in closing my account and removing all access to their online payments which caused the payment to be late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: North Shore Agency, LLC
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received a collection letter from company collecting for  XXXX   XXXX . The  XXXX  account has been in a complex situation since my original account was split into. Also, I have not been contacted by  XXXX   XXXX  via postal mail, email, nor telephone, since the previous complaint,  XXXX , which was referred back to  XXXX   XXXX . This account has had issues in regards to the bill getting higher each month. Also, there was never a final bill for the account in question, listing the reasoning behind their charges. There was only a bill with the inflated amount. I am also continuing to receive a bill for the account in question.

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 2017-06-11
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My federal student loans were transferred to FedLoan Servicing  XXXX / XXXX / 17 .  AES i s continuing to bill me for federal loans that they no longer service. Additionally, they are billing me for an amou nt three times  greater than m y IBR payment amount even though I submitted documentation to them twice proving my income. They continually say they did not receive my proof of income. I 've sent it twice and asked for confirmation both times but did not receive confirmation. They did not send me a notice that my IBR plan was expiring. My payments simply inc reased. They are now saying I owe more than {$400.00} because of THEIR mistakes and shady business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04
Company: Marlette Funding, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I made a payment of {$500.00} to best egg to bring my balance down to {$3200.00}. On XX/XX/XXXX after I made that payment Best Egg reported I made an {$140.00} payment for the XX/XX/XXXX payment. It also still says my last payment was XX/XX/XXXX. I called Best Egg and was told a ticket would be sent. I called back days later and was told there was never a ticket created and that I have to dispute the information with the credit bureaus. I disputed the information with XXXX on XX/XX/XXXX and Best Egg LIED to XXXX stating I only made a payment of {$140.00} and my balance increased. On XX/XX/XXXX Best Egg reports to XXXX that the original information they reported was incorrect which is not true. I have proof on their provided statement that the balance is now {$3200.00}. I filed other dispute with XXXX on XX/XX/XXXX Best egg again lies and tells them the information currently on there is correct. I have called best egg multiple times are every time I am told there back office handles that and there is nothing they can do. I have to keep filing disputes. I filed another dispute on XX/XX/XXXX with XXXX and they still refuse to update my balance. I filed another dispute with XXXX on XX/XX/XXXX and that is pending. I just got off the phone with best egg and now I was told I need to send them a request to have this looked at and it could take 30 days.

Company response to consumer: Closed with explanation