BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed a few accounts on my report I do not recognize

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 2022-08-02
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:
Upon reviewing my personal credit report from MyFico.Com, I discovered that there were many credit inquires reflecting on my report that I not only was not aware of but most importantly did not authorize. Out of the XXXX inquires listed, I only authorized and was aware of ONLY 1 which is linked to my XXXXXXXX XXXX appliance account. I contacted the requestors and all have stated that they do not show record of inquiry nor any linked accounts to my personal identity. I demand that the inquires listed below be removed immediately are they were not authorized and are NOT linked or associated to any accounts owned by me. There are also name listed on my credit report that are inaccurate. 

These names are listed below as well and need to be removed immediately. 

Date Experian XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXXXXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX Names : 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 2022-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I paid off my credit card with Bank of America # XXXX, and they charge twice the payment my checking account was with over draft after that I saw that they fix the issue and I also want to see reflected my payment in other to fix my credit score.

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 2022-10-22
Company: GOLDMAN SACHS BANK USA
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, Apple Card/GS Bank USA has violated my rights under 15 USC 1681. Section 602 states I have the right to privacy. Under 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed a few accounts on my report I do not recognize

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 2022-08-23
Company: Navient Solutions, LLC.
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have no contract with Navient. 

Navient is in violation of 15 USC 1692c by not having prior consent from the consumer to make contact about a debt. They are fabricating a communication to me without express written consent. 

Navient has committed identity theft by acquiring my information for monetary benefit. 

Navient has invaded my privacy and has reached out to my personal contacts, without their consent, about an alleged debt. 

Navient has made false claims by attaching TEN entries onto the credit file, reporting all entries as late thereby damaging my credit. 

Navient has caused harm by way of trespass, violation of privacy and identity theft. 

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C.1681g ( e ) ( 11 ) Definition of victim For purposes of this subsection, the term victim means a consumer whose means of identification or financial information has been used or transferred ( or has been alleged to have been used or transferred ) without the authority of that consumer, with the intent to commit, or to aid or abet, an identity theft or a similar crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Accoun # 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 non-monetary relief
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was contacted in XXXX regarding alleged account with XXXX XXXX for XXXX ( est ) by a collection agency. This account also listed on credit report. In my disputing the validity of the account, I never authorized, account was removed. Then later in XX/XX/XXXX, another letter from XXXX XXXX, XXXX  sent letter and forgetting I had already addressed the matter, requested validation of signatures, etc., and no validation of signatures was sent but again in XX/XX/XXXX, after I requested again in XX/XX/XXXX, a letter with alleged amount, I will include. I told them they had failed to validate account within the 30 days, and therefore request they delete account. They continued sending mail alleged indebtedness via XXXX, SC, and MI, then in XXXX XXXX I sent certified to credit bureaus and to XXXX, SC, MI, requesting they CEASE and DESIST for the 2nd time. They then proceeded to put the account back on credit report alleging it is an open account, delinquent in XX/XX/XXXX. 
Their unfair dealings and strong arm overreaching and wire fraud according to U.S. 18 U.S.C.Sec 1343, is a crime to transmit fraudulent information via mail, wire, ....

Also, FDCPA Sec 809 ( b ), reporting without validation, etc. 
It seems the more I withstand these bully tactics, the more they demonstrate willingness to violate rights, statutes and laws. 
Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2022-08-02
Company: Capital 1 Consultants
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, 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 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 an open end consumer credit plan as late for purpose.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-23
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Last year my XXXX account was hacked 3 times ( sim-swapped 3 times using identity theft + phone purchased by identity thief ) so I left XXXX and moved to XXXX XXXX. When I left XXXX all my bills were fully paid and I spoke to a rep handling my case who said I was fully paid and my account was closed. 

However, after I left further fraudulent charges were made against my account for a 4th time and I received a large bill for services I never used. I called XXXX and explained this to them. They said they would take care of it and contact me if there was an issue. Fast forward 6 months and I am received notices from a debt collector, RPM, who bought my debt from XXXX. 

I called XXXX 4 times this week to settle the issue. The first time I was told I would get a call back in 2-3 days from the fraud department. A week passed and nothing happen. The other times I told my story and was told I would be transferred to another department and waited anywhere from around 30 minutes each time only for them to hang up on me 3 times in a row and never call me back.

I finally called RPM from rpmpayments.com and told them what happened. they said that since I was a customer for 3 years that the charges were not fraudulent. I explained myself very clearly that the fraud happened at the end of my time at XXXX  even though I was a paid customer for several years.

They said they will ding my credit if I do not pay and hung up suddenly. I do not see a way out of these charges given the harassment by RPM and the poor customer care from t-mobile. It is causing me distress. I have communicated my side of the story with RPM a couple of times through written emails and calls and the people I speak to barely speak XXXXXXXX XXXX XXXX wont even give me the time of day and simply hang up on me when I call. I do not know what to do about the fraudulent charges and harassment against me.

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 2022-09-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX  is attempting to collect on an alleged debt that they have written off. 
I have attempted to dispute this debt previously, however, they are still reporting this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
On XX/XX/2022, I submitted a police report, along with court documentation to Trans Union to request removal of several unauthorized inquiries and an account that continues to report improperly. Despite submitting a police report, court documentation and having been a victim to several data breeches ; Trans Union has responded with a letter stating that they have placed a fraud alert, yet denies that my complaints of the inquiries and account are valid without ANY PROOF to substantiate their refusal to properly report items 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 explanation
Consumer complaint received 2022-08-02
Company: GOLDMAN SACHS BANK USA
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, 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 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 an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX my business account at M & T was restricted for unknown reasons. I could not access funds and my debit card was cancelled without warning. After calling customer service, they explained that I should have received a letter and had to go into a branch regarding standard US Patriot Act Verification, which I had already addressed within the branch on XX/XX/XXXX in person and was told all is good. The customer service agent called the department that handles this and was told that the local branch at XXXX put the restriction on the account. After arriving at that branch, they did not know what it was for and had to call the department that handles these issues, despite being told the branch could solve the issue. 45 minutes in the branch and they were still on hold when they said they would follow up with me. Eventually, 3 hours later someone called and said it was taken care of. However, my debit card appears to be closed permanently. I still have no idea what led to all of this suddenly happening.

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 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In early XXXX I became aware of identity theft associated with my personal information, via an alert from XXXX XXXX This prompted me to immediately attempt to retrieve my credit report first from each of the three main credit reporting agencies XXXX, XXXX, and Transunion. 
When I attempted on Transunion website the questions asked to verify my identity didnt pertain to me XXXX, In XXXX of XXXX you opened an account with which of these three institutions? those security questions didnt pertain to me. Likewise, the site wouldnt accept my email or phone number to send an email or text a code to. I was blocked from obtaining the result I desperately needed to achieve. 
Because it was the middle of the night, I tried to do so through annualcreditreport.com however I was met with the same exact situation. On XX/XX/XXXX I tried to call their consumer relations center. The first person I spoke to was named XXXX. XXXX and I had a really difficult time understanding each other due to a language barrier because Transunion has outsourced something as important as this. XXXX transferred me to someone else this person was also unable to assist so they transferred me again. This person was unable to help me, and I would like to add this is most likely due to the language barrier we all had. 
I went online to the online chat. This agent told me there was system maintenance needed on my file and that someone would reach out to me within 24-48 hours. It is now 11 days later, and I STILL havent even been able to pull my credit report let alone place an immediate security freeze on my account meaning my account is still fair game to steal from and my credit is getting worse daily.

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 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a notice to Transunion that XXXX hard inquiries were on my report and that they were inaccurate, as they are fraud. 

An inquiry in XXXX of XXXX by XXXX XXXX and an inquiry in XX/XX/XXXX by XXXX XXXX that is also Fraud.

Under the Fair Credit Reporting Act my Credit profile is supposed to be fair and equitable and all of the information on my report is supposed to be correct. 

This information is inaccurate because it is fraud, I didn't do business with XXXX XXXX. They defrauded me. The inquiries should be removed under the law. 

The FCRA 1681 b talks about how the CRA 's need my WRITTEN consent to report to my credit profile. I never gave them written consent to report this account or any account to my credit profile.

a ) In general, a CRA may furnish a consumer report under the following circumstances and no other : 2 ) in accordance with the written instructions of the consumer to whom it relates.

I would like TRANSUNION to provide me with the documentation and my signature where I gave them consent to report this FRAUD. 

FCRA 1681 A1 : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

My credit report is currently inaccurate due to the negligence of Transunion.

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 2022-11-13
Company: TD BANK US HOLDING COMPANY
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:
XXXX the Authorized Representative for XXXX XXXX has been unfairly treated due to the nature of improper credit reporting, and for the mistreatment of the credit reporting laws and compliance.These are multiple violations of the law and slander of my good name and character. REASONS : I NEVER GAVE ANY AUTHORIZED / PERMISSIBLE USE OF ANY OF MY PERSONAL INFORMATION. 
I do not owe any debt or any alleged debt. 
I also refuse to be an implied surety/debtor. 
These are few of many violations done on my good name ; which breaks the law. 
NOTICE TO CEASE AND DESIST stop all COMMUNICATION any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the consumer report ( bearing Information regarding the alleged debt ) See 15 USC 1692c ( c ) See attachment with cease and desist request : TD AUTO FINANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Cash Express, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX I applied for a title loan at the XXXX  located in XXXX Tennessee for {$450.00}. I paid off the {$450.00} loan on XX/XX/XXXX. On XX/XX/XXXX XXXX brought back my title for {$350.00} and did not close out the loan or payoff of {$450.00}. XXXX continued to charge me monthly fees on the {$450.00} which I paid off on XX/XX/XXXX. I have consistently left messages with the district manager XXXX XXXX who has not returned my calls. I've also tried to contact XXXX XXXX who is the President of XXXX and have not received a response.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
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: 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 2022-08-02
Company: Experian Information Solutions 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: 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