BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
in accordance with the fair credit reporting act i believe XXXX XXXX XXXX credit account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a 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 a 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 non-monetary relief
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: WI
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 # XXXX, XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 explanation
Consumer complaint received 2020-02-12
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Already i told Bank of the west about my account fraud and ask them to close my account but they still charge my return check since 4 month after my request and still charge overdraft fee and i tried three time to dispute that but still stay in my credit i am very good customer with them and i had this account more than three years

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-18
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:
Dear XXXX XXXX XXXX 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 anyway.

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 2022-06-18
Company: Experian Information Solutions 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:
in accordance with the fair credit reporting act i believe XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a 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 a 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 2017-09-10
Company: EQUIFAX, INC.
State: NJ
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:
My very private and crucial information, such as SSN, Date of Birth, Full Name, Addresses, Credit Card information were stolen and are now floating around somewhere as public information. This causes an unending sense of insecurity and worry due to constant possible identity theft, money stolen, etc. Heavy mental stressed placed on me due to the breach of my security and identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
The money suppost to be delivery 3 to 5 business day and now ist over 10 business days and has not been delivery yet and the bank dose not giving me an answer they said that dont know where the money is?? An amount of {$5000.00} us dollars

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 2019-10-21
Company: Experian Information Solutions Inc.
State: NY
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:
Not my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-22
Company: CL Holdings LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I PAID OFF A COLLECTIONS ACCOUNT FOR XXXX XXXX XXXX   CARD FOR ACCOUNT ENDING # XXXX Jefferson CAPITAL SYSTEM REF # XXXX. THIS WAS PAID OFF ON XX/XX/XXXX. tHEY WILL NOT RELEASE THIS INFO TO XXXX  XXXX XXXX. iT IS NOXX/XX/XXXX IM WAITING ON THIS FOR LOAN APPROVAL AND THEY WILL NOT REPORT IT PAID IN FULL ... yET THEY CAN HARRASS AND ACT LIKE VULTURES WHEN NOT PAID. iS THERE NO PROTECTION FOR THE PERSON THAT PAYS? THEY SHOULD HAVE TO REPORT THE ACCOUNT PAID FOR SINCE IT IS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: CO
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
I have already experienced fraud charges resulting from the Equifax data breach. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: EQUIFAX, INC.
State: AZ
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:
My XXXX XXXX XXXX/XXXX XXXX credit card # : XXXX is lost/stolen, and has fraudulent and unauthorized charges on the account. The following accounts are all fraudulent and dont belong to me : XXXX XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX/XXXX. The following credit inquiries is fraudulent and dont belong to me : XXXX XXXX/XXXX, XXXX XXXX XXXX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-18
Company: FIRST CITIZENS BANCSHARES, INC.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was a customer of First Citizens bank a long time years. I am XXXX and receive a social security I am older and I get confused a lot but, my daughter helps me with my finances. We noticed since my settlement that something fishy has been happening with my funds in my checking account. One incident happened about a year ago, In XXXX I noticed my banking account money disappearing I reported it to fraudulent activity and received {$4000.00} back.Now, they recently took my whole social security check because of over withdraw and left me no way to pay my bills this happened in XXXX of XXXX. In XXXX I got a new debit card from them and gave them my new address because I moved to XXXX TN. They used the excuse they sent my bank statements to my old address which would have been forwarded to my new address through the post office so trying to make a long story short I know it was illegal for them not to send me any bank statement or notify me I was almost {$1700.00} in the negative I was traumatized I am a Retired Nurse of XXXX yrs. I have worked all my life and have never dealt with hardship like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  XXXX account # XXXX, XXXX XXXX of XXXX account # XXXX, XXXXF account # XXXX, XXXX account # XXXX Has Violated my rights. 15 U.S.C 1681 Section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-06-18
Company: Experian Information Solutions Inc.
State: CO
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 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2017-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In XXXX of 2017 my identify was stolen and credit inquires from XXXX XXXX and XXXX XXXX were submitted to my account. In addition, new employement information for XXXX XXXX on XXXX XXXX in XXXX was added to my account at both Transunion and XXXX. This information is incorrrect. I have repeatedly tried to have this information removed by contacting the credit bureaus and even the car dealership and XXXX XXXX but I have been unable to have this fraudulent information removed from my account. The credit bureaus seem to have intentionally thrown up every kind of barrier imaginable to make it virtually impossible to have my credit fixed even though I 've subscribed to XXXX XXXX worthless credit monitoring service. We need new legislation to make this scumbag organizations accountable.

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 2019-10-21
Company: Comerica
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2019 I received notification from Comerica Bank that my Comerica HealthReserve HSA account would be moved to XXXX XXXX   unless I sent a transfer request Comerica c/o HSA Transition XXXX XXXX XXXX XXXX XXXX, FL XXXX before XX/XX/XXXX, XXXX.The request was mailed from my new HSA Trustee/Custodian XXXX XXXX XXXX XXXX on XX/XX/2019. 

On XX/XX/2019 the XXXX XXXX XXXX XXXX called me to indicate the request was returned from the US Postal Service as un-deliverable. On XX/XX/2019 I called Comerica c/o HSA Transition contact number XXXX. Upon calling the number it gave a new number for XXXX XXXX. I called XXXX XXXX and was told I must sign their forms and pay their fees. 

I would request that my HSA funds be submitted to XXXX XXXX XXXX XXXX as soon as possible without any additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Experian Information Solutions Inc.
State: VA
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 explanation
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: CO
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 U.S.C 1681 Section 602 A, States I have the right to privacy 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2020-02-12
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I purchased services with a third party dealer for XXXX XXXX and XXXX XXXX XXXX services in XX/XX/XXXX. They came to install at our apartment complex. Shortly after the services were installed, we began to have problems with reception and services. This lasted almost 2 years. We requested tech to come out and fix it but they could not climb up on our roof due to company policies. A representative told us they were not allowed to send techs on the roof to install satellites and wondered how we got one on our roof. The third party dealer did the installation but XXXX XXXX could not help us improve reception because we were not getting service most of the time. A representative agreed to waive our cancellation fee due to the severity of miscommunication, neglect and lack of customer service we received in prior to XX/XX/XXXX. I received a statement from XXXX XXXX XXXX in XX/XX/XXXX showing my balance paid in full at {$0.00}. After a year, Credence Resource Management began to harass me with calls all day and passed XXXX that I needed to pay a bill of {$220.00}. I disputed with both XXXX and XXXX but the debt collector produced a fraudulent statement that did not allow me to take the fraudulent debt off my account. I am requesting this be removed from my credit report and that XXXX XXXX XXXX, XXXX XXXX and Credence Resource Management be reprimanded for bringing false debts against me and for harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Bank of America has fraudulently opened an account under my maiden name without my authorization. The debit card is being mailed to a residence I havent resided at in 7 years. I can not contact the company because I dont have the account number. I did not authorize this account and I do not have any accounts with Bank of America.

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 2022-06-18
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:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX and Transunion keep adding back a delinquent XXXX XXXX account to my Credit report when this account does not belong to me and is a result of identity theft. The XXXX XXXX Account # XXXX that was opened XX/XX/2018 does not belong to me and I have submitted an FTC report to both bureaus which the # for this case is # XXXX. I am trying to go for an apartment and this delinquent account that I have no knowledge of and does not belong to me is ruining my credit I need this fixed ASAP! I have already had it removed multiple times and dealt with XXXX and Transunion it isn't on my XXXX or reappearing on my equifax. It's these two bureaus that are breaking FCRA laws allowing for inaccurate and vile bad data information furnish to my credit report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25
Company: Navient Solutions, LLC.
State: MD
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:
I am an individual currently in XXXX  school. I have been switching between being a part-time ( 6 credits ) and a below part-time ( 3 credits ) student starting in XXXX of XXXX. I have been attending the University of XXXX  XXXX XXXX, but have not take out any new loans for school. This is related to my older loans from receiving my XXXX degree and are in the repayment process. 

Several times now I have been in a period of interest forgiveness on my subsidized loans due to being in school part time. When I switch to below part-time I should be charged interest on my subsidized loans, I get that. 

The loan servicer keeps adding " Capitalized Interest '' amounts to my loan balance as a back charge for time spent below full time, even though it is during semesters where I was enrolled above full time. This happened on XX/XX/XXXX, which was the most charged and should have included 6 months of interest forgiveness on my subsidized loan as I had graduated XXXX of XXXX with my XXXX. It also happened on XX/XX/XXXX even though I was enrolled as a 6 credit student for the Fall XXXX semester. It also happened on XX/XX/XXXX even though I was a 6 credit student during the summer semester which ended in XXXX of XXXX. 

Each time this happened I called them to dispute. They always say it is based on the dates my school reports to the government on when I was a part-time student and I have to reach out to my school to update them. I reached out to my school, the confirm they have put the correct dates in the system. Navient won't budge, and now I am on the hook for hundreds of dollars in capitalized interest that should have been forgiven and I am also paying interest on that interest. 

Navient in no way shape or form notified me before adding these charges to my account, they just did it. They never provide an explanation of where the capitalized interest is coming from ( ie what dates it is covering ), and they just tack it on to the first statement after they apply it. 

This is an extremely unfair practice and I feel I am being overcharged by my loan servicer related monies that should have been forgiven. 

I will also make it clear that not only do I pay my loans, I actually overpay them even when they are in forbearance. There should be little to no interest on a monthly basis due to me paying them down every month. I can not wait to pay these loans off next year so I can be done with them, but everyone needs to be aware of Navient 's unfair and deceptive lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Experian Information Solutions 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:
In XXXX I pulled my credit report from the 3 major bureaus and i had a bunch of addresses that were not mine, I waited an entire month for the bureaus to write me back only to say they had an incorrect social security number.

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