BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-22
Company: Start Connecting dba USA Student Debt Relief
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/XXXX the USA student debt relief company posing as a legitimate student debt forgiveness company, took out my personal information, such as my email and password to enter my studentaid and manage my account, thus making me believe that thanks to them and for contacting them they were going to forgive me the student loan up to XXXX XXXX dollars, that I only had to make an initial payment of {$120.00} for XXXX months until month number XXXX I would pay for XXXX months plus {$9.00} dollars, fraudulent arrangements of XXXX  dollars that would go to their pocket.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX Debt Validation Request XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I noticed two accounts on my Experian Report that violates Fair Debt Collection Practices Act states that under because I was not provided the contents of the debts for Accounts XXXX 15 USC 1692g- states ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current 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 2022-08-21
Company: Experian Information Solutions Inc.
State: AL
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:
XX/XX/XXXXXXXXXX/XX/XXXXAccount number XXXX XX/XX/XXXXXXXXXX/XX/XXXXAccount number XXXX XXXX Account number XXXX XX/XX/XXXX account number XXXXXX/XX/XXXXXX/XX/XXXX Account numberXXXXXX/XX/XXXX Account number XXXX XX/XX/XXXX Account number XXXX XXXXXX/XX/XXXXXXXX Account XXXX XXXXXX/XX/XXXXt Account number XXXXXX/XX/XXXX Account number XXXX n accordance with the Fair Credit reporting act XX/XX/XXXXAccount listed above has violated my rights 15 U.S.C 1681 under 602 A States I have a the right to Privacy 15 U.S.C 1681 Section 2 :. It Also states that the consumer reporting agency canal furnace an 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 2022-04-23
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: Personal information incorrect

Complaint:
Accordance with the fair credit reporting act. Transunion, XXXX, and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

All of these negative items are not correct and do not belong on my report. 
The items are. XXXX XXXX XXXX XXXX date XX/XX/XXXX *incorrect amount paid off* XXXX XXXX Bank XXXX XXXX XXXX XX/XX/XXXX *Not mines* XXXX XXXX  open date XX/XX/XXXX * Not mines* XXXX XXXX XXXX open date XX/XX/XXXX * Not mines* XXXX open date XX/XX/XXXX *Not mines* XXXX  XXXX open date XX/XX/XXXX * Incorrect amount* XXXX XXXX XXXX open date XX/XX/XXXX XXXXNot mines* XXXX open date XX/XX/XXXX *Never applied 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 2022-08-21
Company: Experian Information Solutions 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:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violate

d 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. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. The following accounts are in violation by inlcuding transactions and experiences by inlcudling late payment and utlization.
Because of the violation i would like the following accounts in violation of the

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 2022-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied a credit card with a limited time offer for vacation rental credit for up to XXXX dollars. I opened the card in XXXX, XXXX, and used the card for a XXXX ( vacation rental ) reservation on XX/XX/XXXX. The XXXX stayed was completed in XXXX, XXXX, which should not matter because XXXX payment was done in XXXX, XXXX. The total charge amount was more than XXXX dollars which should automatically triggered the credit. By now, it's XX/XX/XXXX ; way over two billing cycle as stated in the terms, and I still have not received the XXXX  dollar credit back. I made multiple phone calls and no one was able to resolved it for me on the phone. Every time I was told that they had opened an investigation ticket and there was nothing they can do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-25
Company: Viking Client Services
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Viking Services representative XXXX called my business line at XXXX on XX/XX/2022 at approximately XXXX, looking for my daughter to collect a debt. I informed them that they are not supposed to contact the third party about an obligation of a consumer. The representative was rude, disrespectful and intimidating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account with Wells Fargo on XX/XX/XXXX. Banking promotion was for {$300.00} once I met the qualifications. I had a direct deposit of {$1000.00} within 90 days. Deposits of {$1000.00} made on XX/XX/XXXX and on XX/XX/XXXX. No credit received from Wells Fargo within 90 days of meeting requirements.

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 2022-04-23
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act 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 an 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 2022-11-25
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hi CFPB- on XX/XX/XXXX my venmo acct was hacked and {$1800.00} stolen and transferred to a XXXX XXXX in two separate transactions. Venmo has been of no help and all messages and texts from venmo are not coming to me as it seems that the fraudsters have hacked the venmo system DIRECTLY and have access to other customer accounts and information. Venmo has not made an announcement regarding this security breach and is still giving me the run-around re : my missing funds that were supposed to be held in an fdic account XXXX prior to being stolen ). 

I have repeatedly asked venmo for a phone call to discuss since my theft as their is no other method to communicate and it has been 2 weeksto no avail. I still dont know ehat is going on with my money or the security of my account. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: OH
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, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # 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 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 2019-02-16
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
My credit was used in a fraudulent transaction at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX. The date was XX/XX/2019 and the application number is XXXX. The car was XXXX XXXX XXXX. I did not make this purchase.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
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 information incorrect

Complaint:
All 3 Credit Bureaus are reporting incorrect information for XXXX XXXX. This account has been paid in full and I was advised that this account would be removed once paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I spoke to Navent about 6 months ago telling them I was approved for loan forgiveness in 2 ways, ssi and the loan forgiveness program that is pending with the government. My loans are over 20 years old I have been XXXX for all of those years and was finally granted ssi last year. I have been dealing with harassing calls all this time. It's not like the company calls and leaves a message, no they call at XXXX and then XXXX and then XXXX  and so on, then if you don't call them back they call your elderly parents harassing them making them worry there is something wrong, calling me in a panic. I don't want a call ever again from them! I shake when they pop up on my screen. I have nothing to give them, I never have!! They need to chill and wait for the government to dismiss it, it's not my problem anymore when 2 different government agencies say it's not. Call after call just to put my account in good standing for 30 days what a joke! I told them to stop calling me. The last man I spoke to telling this to assured me I wouldn't get anymore calls. 6 months later here we are 3 calls by them before XXXX. That is NOT OK. I have XXXX and other mental health issues and all they do is trigger me into rage. They say there no way to stop the calls... .they have called me 25 times since decmber, 3 of them today. I can't do this any more... I'm sick from it I'm shaking, I can't. Please help me. ( For proof on how bad they trigger me, please pull their recorded audio from today 's " conversation '', XXXX XXXX. I'm not in the right but I just can't anymore ) I'm physically, mentally and visual affected by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2020-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 Hard Inquire on my credit report from this credit card company that I did make. I believe it was done fraudulent and I would appreciate it very much for them to remove it.

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 2022-07-27
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act XXXX  # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX Collection # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX Collection # 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 response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
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: Credit inquiries on your report that you don't recognize

Complaint:
I reached out to Transunion to dispute inquiries on my credit report first by phone. They indicated that the inquiries were permissible and a record of fact. Fact is something that can be supported by evidence. I then mailed a letter disputing the inquiries and a letter was returned stating that inquiries were permissible and a statement of fact. The evidence : I have no accounts associated with these inquiries : XXXX XXXX XX/XX/XXXX Duplicate inquiries within 30 days! 
XXXX XXXX  XX/XX/XXXX XXXX inquiries within 30 days! 
XXXX  XXXX. XX/XX/XXXX. home purchase inquiry which i didnt purchase a home XXXX XX/XX/XXXX. I have no accounts associated with this creditor XXXX. XX/XX/XXXX. These inquiries are within 30 days of each other! 
XXXX XX/XX/XXXX. Why the repeated inquiries from this creditor? 
XXXX  XXXX. XX/XX/XXXX Were these to be soft inquiries to offer refinancing offers? I have requested a copy of the procedure used to verify and was told they didnt need to verify inquiries. The creditor I contacted has no record of me or requests for my credit file. I have enclosed copies of the section of the FCRA document that XXXX  has willingfully violated to have these inaccurate inquiries appear on 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 explanation
Consumer complaint received 2022-06-22
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
This company made an unauthorized attempt to withdraw money from my bank account for a debt that was being disputed with a property manager. They also threatened it would damage my credit if I do not pay them. After receiving notification from my bank that there was a charge of over {$4000.00} being withdrawn from my bank, I contacted Fair Collections and Outsourcing Inc. ( FCO ). They pulled the call and realized this was an unauthorized transaction. Supposedly the employee was terminated. I have been very transparent with them and always working with them to resolve the remaining debt. Now, they just give me the run around when I am try to review this situation. As if " it never happened ''. This is deceptive practice. I am sure all the calls have been recorded.

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