BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2020, via certified mail. Submitted information indicating the inaccuracies, however, the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 60 days.

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 2021-08-25
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Received financing from XXXX XXXX to attend a Computer Training school. School had promised job placement for life. Loan was turned over to Navient. School closed down. Class action suit was filed against school. Have paid loan for 15 years. Because of high interest rate I still owe about half of the principal. Can not afford payments anymore. Tried to work out settlements with Navient. Been denied. Can you help me? I can provide documentation of the class action suit and payment history to Navient if needed. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2022-08-15
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 XXXX Account # 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 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 2017-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 am a victim of the recent XXXX data breach and identity theft. The following hard inquiries are fraudulent, unauthorized and dont belong to me : 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 explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: OK
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 personal information was included in the recent database leak from Equifax. Information includes SSN, DOB, first and last name, and my address. I believe a company possess information as valuable as this should be help accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: WELLS FARGO & COMPANY
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had a balance of {$390.00} dollars in my account on XX/XX/XXXX. I received an Ins. Check for {$2200.00} and deposited into my account on XX/XX/XXXX. The bank rejected the deposit and then withdrew an additional {$2200.00} from my account creating a negative XXXX. I expected the bank to catch their error and fix my account. However, on XXXX I received a letter from the bank notifying me of a - {$1800.00} balance. I contacted the bank and after being on the phone with the bank for over 2 and 1/2 hours they stated they would correct their error. I filed a complaint, complaint # XXXX and am still awaiting contact from the bank. 

I received another notification on XXXX that I had a negative - {$4100.00} balance. I again contacted the bank and after another 1 1/2 hours was provided a Case # XXXX but still the bank has not corrected their errors. 

I am filing this complaint as it appears that the Well Fargo banking system is systematically on rejected deposits " double dipping '' the amount creating negative balances and generating additional fees for the bank. I suspect that this is being done to many customers.

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 2022-02-11
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2022 at approximately XXXX, I was contacted by XXXX XXXX XXXX regarding an unknown debt from ACE cash express. This has been ongoing for a little over 10 years. There phone number is ( XXXX ) XXXX. They have threatened legal action against me. Im tired of people contacted about this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
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: Was not notified of investigation status or results

Complaint:
Back in XXXX I filed disputes with all 3 bureaus and still no change on my report. There are collections on there that should not be be on there and charge off too.. I do not understand why this hasnt been fix yet. What does it take to have something remove that should not even be on there in the first?

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 2023-04-01
Company: MRS BPO, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MRS BPO LLC collection text my number about another clients debt, asked if knew the person for a XXXX XXXX XXXX,

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 2022-10-15
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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, # 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, 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.

s

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Summit Horizon Financial Services
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company has been calling me since XXXX of last year and potentially beforehand. The have been using an auto dialer and call multiple times using different numbers even after i block them. I was eventually able to get some information from a representative. The were claiming to be from Student Loan Forgiveness Services and that they worked with the department of education, that I was supposed to have received an email, then they said that my FAFSA account was locked and they needed my password and username to unlock it, I was a little confused but refused to provide my password however they were able to get my password reset. They tried to get me to finalize some sort of forgiveness plan agreement that was supposed to be through the FAFSA website. However when I asked for an email and company name they refused to provide one. However with the help of another individual through a conference call, by calling them back using a number that was provide for their " senior loan servicer '' i was able to get their company name and address. This was the most recent communication with them. I have previously hung up, blocked them, told them not to call me, and have been on the Do Not Call Registry since 2008. The have at least three reports on the XXXX website stating that they have defrauded people. They are calling my cell phone and I have never solicited their business or asked /given permission for them to call me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' so if that's the case. How did the credit bureaus verify my bankruptcy as 100 % accurate. they never did a fair investigation according to the 15 USC 1681.XXXX XXXX also sent me a letter stating " There is no bankruptcies reporting on my credit report. 

15 USC 1681 section 603 ( 3 ) ( E ) states ; The term " investigate consumer report '' means a consumer report or potion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. states I have the right to privacy.

According to : 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.

According to : 15 U.S.C. 1681 s-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 2022-02-09
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent a letter containing : Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Without my written consent I have attached an invoice per violation.

You are reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payment or payments being made late that are not proven and are incorrect. I demand that you -- as REQUIRED BY MY STATES LAWS and also by the FEDERAL LAWS that govern your behavior while dealing with consumer reports to include your RECEIPT and or your REPORTING of them, to fully document in testimony to every single one even each any and or all of the facts related to this allegation withstanding none.

I have contacted the creditor and they have stated that they are unable at this time to document these payment irregularities, by omission the creditor

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 2021-08-25
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been trying to reach the bureaus and I'm having a hard time getting a hold to someone about issues pertaining to my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXXXXXX XXXX Account # XXXX XX/XX/XXXX ) ( XXXXXXXX XXXX XXXX Account # XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XX/XX/XXXX ) ( XXXX Account # XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX Account # XXXX XX/XX/XXXX ) ( XXXX XXXX Account Number # XXXX XX/XX/XXXX ) 15 U.S.C. 1681 Section 602 A states I have 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 non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: FL
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 sometime in XXXX and has confirmed it through the site they provided to check if I was affected. This has led to a breach that puts myself and over a million of other 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. 

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. Equifax as well as other credit reporting industries should be required to use proper, and common sense, security measures to secure data going forward. Being forced to use a credit checking service due to the nature of how credit works, and the fact they are such a cornerstone for this type of service makes this breach inexcusable and clearly proper security measures were not in place nor acted upon. The fact this breach went unreported or dealt with for so long shows serious negligence and a lack of concern for the sensitive material they are privileged to handle. Equifax should be forced to compensate ALL affected customers for mishandling their information and for all current and future damages caused by this breach. Also more than 1 year of credit monitoring should be offered due to the nature of the information taken and the fact that it could effectively be used within the rest of any of our lifetimes. 

This is a serious breach that exposes myself and over a hundred million others to credit fraud, stress, and potential hardship and I fully expect Equifax to be dealt with to the fullest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MD
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 found myself to be part of the hack involving 143 million consumer records that were taken from Equifax. The company has mishandled this data and allowed the identities of everyone involved to be at risk for the rest of their lives. For the foreseeable future it will now be necessary for myself and many others to consistently check our credit reports, handle potential identity theft, and more while incurring the full cost of time, money, and anything else that may come up. 

I have already had two credit cards compromised during the time of this incident and can only hope my other accounts are safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have sent numerous Messages in writing via XXXX certified mail to each credit reporting agency indicating inaccuracies on my credit report. XXXX XXXX finance has been contacted by the dealer that leased me a vehicle to have these items removed from my report and nothing has been done to date. XXXX Student Loans have been on deferment and have been current to date. Latenesses should have been removed as I have requested many times in writing. Unauthorized hard inquiries where my information was not verified should not be on my report. Inquiries for credit cards where my information was not verified and no new credit was obtained should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
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: Account information incorrect

Complaint:
I have sent numerous Messages in writing via USPS certified mail to each credit reporting agency indicating inaccuracies on my credit report. XXXX XXXX finance has been contacted by the dealer that leased me a vehicle to have these items removed from my report and nothing has been done to date. XXXX XXXX XXXX have been on deferment and have been current to date. Latenesses should have been removed as I have requested many times in writing. Unauthorized hard inquiries where my information was not verified should not be on my report. Inquiries for credit cards where my information was not verified and no new credit was obtained should be removed from 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 2022-02-09
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
WFDS ... aka Wells Fargo is continuing with the systemic institutional racist oppression tactics, and racial inequality treatment improperly ordering a unauthorized hard credit inquiry on my credit reports WITHOUT my signed authorization. Per the F.C.R.A. either have them provide a signed authorized credit application document with my authorized signature, or IMMEDIATELY remove the erroneous inaccurate inquiry from my credit reports.

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