BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX  PA XXXX ; XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$1000.00} ; XXXX XXXX XXXX  Date Opened XXXX XXXX, XXXX Balance {$76.00} ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} ; XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$490.00} ; XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$570.00} ; XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$440.00} ; XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX  Inquiry Date XX/XX/XXXX 2021

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 2022-12-07
Company: World Acceptance Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXXXXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat payment on a credit card account under en open end consumer credit plan as late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Denefits LLC
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:
LATE PAYMENTS In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under : - 15 USC 1681 section 602 states that I "... have the right to privacy. '' - 15 USC 1681 section 604 A section 2 also states that : " ... a consumer reporting agency can not furnish an account without my written instructions. '' - Under 15 USC 1666 B : " ... creditor may not treat a payment on a credit card account under an open and consumer credit plan as 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 2022-09-26
Company: Data and Contact Management Solutions, LLC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My sister, XXXX XXXX, unfortunately died in 2019 and you continue to pester us and collect undue debt with a court decision, as attached, which declares that it is undue. 

This is gross nonsense and disrespectful. If this is not resolved immediately, I will contact the press. 

I request immediate unlock of my XXXX cell device and there is still a financial pending, but I already have a court decision that decides as an undue and prescribed pending. 

Phone bill was ( XXXX ) XXXX for XXXX XXXX. 

XXXX XXXX  model XXXX information Serial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 
15 U.S.C.1681 section 602 ( A ) states I have a right to privacy.

15 U.S.C.1681 section 604 ( A ) section 2 states a consumer reporting agency can not furnish accounts without my writing instruction

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: Maximus Education, LLC dba Aidvantage
State: CA
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 have tried 4 separate times to pay my loan in a timely matter ahead of the due date and Aidvantage is not able to accept it. They have reversed my payment 4 times despite confirming my bank info. I have even signed up for auto pay and the company has failed to successfully withdraw the funds needed for the payment. My account is currently in the red and I'm receiving emails from the federal government stating I'm missing payments when I am not. It is 100 % an issue on their end that they are not able to correct. Aidvantage has a terribly inept customer service team and has not been able to rectify this matter for 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Experian Information Solutions Inc.
State: LA
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:
I have reached out to ALL 3 credit bureaus- XXXX XXXX Experian XXXX XXXX several times to have this account with XXXX ( name reported on my credit report ). The first time was for them to verify this account and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the 3 credit bureaus CAN'T verify this 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 explanation
Consumer complaint received 2022-07-30
Company: EQUIFAX, INC.
State: LA
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:
I have reached out to ALL 3 credit bureaus- XXXX XXXX XXXX XXXX Equifax several times to have this account with XXXX  ( name reported on my credit report ). The first time was for them to verify this account and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the 3 credit bureaus CAN'T verify this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: VA
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I have reached out to ALL 3 credit bureaus- TransUnion XXXX XXXX XXXX XXXX several times to have this account with XXXX  ( name reported on my credit report ). The first time was for them to verify this account and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the 3 credit bureaus CAN'T verify this 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 2022-07-30
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: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX, XXXX XXXX Balance {$1600.00} XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX  Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX  Inquiry Date 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 Date of Inquiry : XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX  Date of Inquiry XXXX XXXX XXXX XXXX of Inquiry : XXXX XXXX Inquiry Date 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 2022-12-07
Company: Fay Servicing, LLC
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I sent in a payment by check a month ago and it still has not been cashed I believe they are doing this intentionally to try to foreclose on my property also they are trying to charge me an almost XXXX fee of interest which is unconstitutional

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX  XXXX Date Opened XXXX XXXX, XXXX Balance {$1000.00} ; XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$76.00} ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} ; XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$490.00} ; XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$570.00} ; XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$440.00} ; XXXX  Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX Inquiry Date XX/XX/XXXX 2021

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 2018-05-29
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Complaint # 1. ) XXXX XXXX XXXX On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX branch declined credit with an adverse action notice because of a collection action or judgement that was reported as delinquent past or present credit obligations with others. The action was taken with regards to Equifax Credit report relating to a XXXX XXXX XXXX in XXXX XXXX XXXX loan # XXXX - XXXX. This dispute / complaint is that a fraudulent charge was initiated against loan XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$20000.00} .00 and has been accruing interest since that date.

Loan # XXXX. This transaction is documented from XXXX XXXX XXXX ON XX/XX/XXXX XXXX XXXX   containing XXXX XXXX as named printed by. Reporting Institution : 16 Complainant has not initiated any financial activity with XXXX XXXX XXXX since a Debt Settlement Agreement was reached XX/XX/XXXX for loan # XXXX. Authorized Agent for XXXX XXXX XXXX signed this agreement. Part G. ) of this agreement states that " No changes or addenda hereto shall be effective unless done in writing and signed by all parties. '' There has been no such changes which complainant is aware of nor has complainant signed any agreements with XXXX XXXX   since the Debt Settlement on XX/XX/XXXX.

Complaint # 2. ) Equifax Consumer Credit Report RE:XXXX   - dispute XXXX XXXX XXXX charge for loan # XXXX.

1. ) Complainant has not initiated any financial activity with XXXX XXXX XXXX since XX/XX/XXXX.

2. ) Complainant was unaware of this reported XXXX XXXX XXXX charge and would not have found this information out if application for a line of credit from XXXX XXXX XXXX XXXX, XXXX XXXX branch, had not declined credit due to this Equifax report.

Complainant is requesting Equifax remove all negative and fraudulent information contained in report XXXX  related to XXXX XXXX XXXX   loan XXXX be corrected to reflect the reporting error and that all agencies which have requested reports be notified of this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and TransUnion credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If XXXX and TransUnion do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2000.00} ; DEPT OF EDUCATIONXXXX XXXX Date Opened XX/XX/XXXX Balance {$6500.00} ; DEPT OF EDUCATION/XXXX  XXXX Date Opened XX/XX/XXXX Balance {$3600.00} ; DEPT OF EDUCATION/XXXX  XXXX Date Opened XX/XX/XXXX Balance {$790.00} ; DEPT OF EDUCATION/XXXX  XXXX Date Opened XX/XX/XXXX Balance {$1400.00} ; DEPT OF EDUCATIONXXXX  XXXX Date XX/XX/XXXX XXXX XXXX {$250.00}

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 non-monetary relief
Consumer complaint received 2022-09-26
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Friday I recieved something in the mail showing XXXX XXXX with my address that nobody is suppose to have except Government Agencies and my job. This person is my biological sisters name. Ive not given out my address to no body I just moved here XX/XX/2022. Yet it shows a card from Truist Bank thanking for my account. So I contacted the fraud department and they stated on the automated system for me to type in my social security card then it prompted me to put in my debit card info which I didnt know because I dont bank with this bank never have. Finally got a fraud specialist on the line and he stated that there was an account open in my name but refuse to give me any more information on it and stated he closed it out. But that wasnt enough because he didnt seem so sure about it when I asked to speak to his supervisor he refused to allow me to. Basically my sister name was linked to my residential address without my consent and this make over 10 times this has happened in the past 3 years. Everywhere I move or even with my XXXX XXXX XXXX her mail starts to come to my address. We have not lived together in decades.

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 2022-07-30
Company: Credit Karma, LLC
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I disputed a number of foreign transactions a few weeks ago but no action was taken. On XX/XX/2022, I received a provisional credit of {$160.00}, this was reversed the same day without any explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Experian Information Solutions Inc.
State: NY
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:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to update this suspicious account XXXX XXXX XXXX XXXX Balance {$17000.00}. I think CREDIT BUREAUS have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX XXXX, XXXX and XXXX, and I'm including it again.

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 2022-12-07
Company: LJ Ross Associates
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Relocated to another state and received the final bill of {$400.00} on XXXX that would fall due on XX/XX/XXXX. Paid the entire bill on XX/XX/XXXX, but the balance was sent to LJ Ross Associates for collection on XX/XX/XXXX although the bill was paid on XX/XX/XXXX. A representative told us we had 60 days to make the final payment before it would even be sent to a collection agency, so we paid it before the 60 days past due mark. 

The collection agency and XXXX ( XXXX ) have been going back and forth about this since XXXX, and since then, the collection agency has now put this balance on my credit report, and it is being reported to all 3 reporting agencies although this was paid on XX/XX/XXXX, and it should never have gone to a LJ Ross Associates. LJ Ross Associates has constantly received information from XXXX stating we owe the {$400.00}, but when we call XXXX, they state we paid it on XX/XX/XXXX and it should have never gone to an outside collection agency, and they say they have been sending information to LJ Ross Associates showing that we paid the balance on XX/XX/XXXX. This is frustrating and all the while, it has caused my credit score to dip over 20 points. 

Please help!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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