BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 1 5 USC 1681 XXXX  Account # XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States l 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 15 U.S.C 1 681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 2021-04-21
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I do a weekly transaction update on my accounts in case I see any activity not authorized by me. I recently discovered a charge on my account of one hundred and six dollar from a phone repair XXXX  at the mall I contacted Webster Bank to inform them of the issue and to let them know I did not authorized this transaction nor did I initiated the transaction. Of course they asked me if I have my card in my possession etc.. I stated yes I did, I was at the mall and purchased some pretzels.They closed out the card and sent me a new one. Fast forward, today XX/XX/2021 I contacted them to check on the status of my dispute. They told me my claim was denied. I asked them what informations was used to determine this. I insisted I did not authorize this. I am not going to waste my time to call my bank to dispute a transaction I made. I have a checking and a saving with this bank. I closed my Savings account with them today and will be closing my checking soon too. 

I have a savings account with XXXX XXXX and wanted to give Webster Bank a chance but I was not happy with their service. I asked them to reopen the dispute and the representative tells me I have to send them an email as he can not transfer me to the dispute department. XXXX # XXXX. At this point it doesn't even matter if they refund it or not. I closed out the saving over the phone and hopefully the representative processed it. My checking will be closed by the end of this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: VA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 1 5 USC 1681 XXXX  Account # XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States l 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 15 U.S.C 1 681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-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 response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX & experian violated my rights as a consumer in XXXX XXXX XXXX and refuses to exclude all information solely as to transactions or experiences between the consumer and the person making the 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 2021-11-20
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX equifax & XXXX violated my rights as a consumer in XXXX XXXX XXXX and refuses to exclude all information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX Account XXXX : XXXX ; XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : 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 2016-03-31
Company: URS Holding, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX called stating that she 's sorry she took so long to contact me with information that I needed ( she called my office line ) and left her contact information with no indication that she was a debt collector or calling to collect on a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: EQUIFAX, INC.
State: MO
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 allowed an installment loan to be opened in my name, and they REFUSE to stop reporting it, even after law enforcement and the FTC have helped me file identity theft reports, and send cease and desist letters. They are illegally trying to collect on a fraudulent account, opened by someone who stole my identity. XXXX XXXX XXXX allowed someone to obtain an auto loan in my name, and refuse to stop reporting it, after cease and desist, law enforcement instruction, FTC instruction, and proof that the loan was fraudulently opened. Equifax and XXXX  also refuse to remove these accounts from my credit reports, even though I have followed all instructions to prove that they were fraudulent and a result of identity theft. All companies on this report are breaking consumer credit laws in regards to reporting fraudulent accounts on my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: VA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 1 5 USC 1681 XXXX  Account # XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States l 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 15 U.S.C 1 681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 explanation
Consumer complaint received 2021-12-15
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Was unable to withdraw money from the bank. They said the system was down. This was on Monday XX/XX/XXXX at 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 2016-06-15
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Despite repeated attempts on my part to contact the company ( Navient ), and request a conversation with a human being, nothing happens. Navient continues to allege I 'm late on my payments ( I 'm not ), and assess late fees, and call me on a near-daily basis. I contacted the CFPB once before ( 3 years ago..? ), but all that happened was that I was referred to a representative from Navient ( XXXX XXXX at that time ), who simply referred me to programs to help pay my loans. This did not address the problem. Can the CFPB help me fix the issue with Navient?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
SOMEONE USED MY IDENTITY WITHOUT MY KNOWLEDGE THEY RECIEVE MEDICAL ATTENTION ALSO SUMMITED FRAUDULENT APPLICATIONS IN MY NAME WITHOUT MY CONSENT AND KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2015-03-25
Company: URS Holding, LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am extremely upset that a collection agency called my family members and employer after they had my correct contact information. XXXX XXXX XXXX from United Recovery Systems XXXX ext XXXX left a message on my cell and then proceed to contact my family members and work. He did not give me an opportunity to call him back after XXXX message. I spoke with his manager to notify him that that was inappropriate to contact my family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: Capital Accounts, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently pulled my credit report and discovered that this company has reported that owe them a debt. To my knowledge I have never done business with this company. I have never entered into a contact with them and nor have they provided me with any goods or services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: Guidiville Indian Rancheria
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
My husband and I have been receiving threats of criminal prosecution for a debt that my husband and I had with a company called XXXX back in XXXX of 2015, that we paid on for 5-6 months, but they were taking more than we thought they were supposed to, and we tried to negotiate with them, but they would n't and we had to close the account, because even after we asked them to stop automatic debiting, they refused. We only borrowed {$250.00}, and were paying well over {$100.00} per month. We included the loan as part of the bankruptcy for both my husband and I. I have discharged out of my Chapter XXXX, but my husband is still in his Chapter XXXX. We have been getting harassment calls from debt collectors for at least three months, soon after we went into bankruptcy. 
Today we were told that we committed fraud and that we would be prosecuted for fraud. that they were coming to our home to serve us a summons. We were also told that bankruptcy does n't have any bearing on this debt. We paid so much on the loan compared to how much we borrowed, and they are still saying we will be prosecuted unless we pay over {$700.00} more to them. 
The callers talk very fast, but refused to answer questions about the name of the company they work for. They have been very rude, and threatening. We think they said XXXX, btu do n't know what that stands for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: FirstPoint Collection Resources
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no idea who this company is and what they are collecting for. I have never received a letter or phone call for this balance. Per my credit report the original creditor is XXXX and I have never had an account with this company. I have called XXXX and they did an investigation and verified that I have no account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In XX/XX/XXXX, I XXXX XXXX XXXX filed some disputes with all XXXX credit bureaus. such as Experian, XXXX XXXX, and XXXX. I submitted the disputes requesting that my personal information be updated. I got married in XXXX of XXXX. Recently, I was notified by a law firm notifying me of a family trust that had been set up in my name. In the information that I received from the firm. Is that it had been set of by my father before he passed. The firm advised me that there was attempts made over the last XXXX, to XXXX years. The firm advised me that in order to for me to move forward I had to take steps. To complete the process of completing process legally. I had to first of all I had to provide prooI of documents with my legal name. Therefore, I requested my name be updated with all XXXX credit bureaus. XXXX of the credit bureaus, did update my name to XXXX XXXX XXXX. Experian credit bureau, still reporting my name as XXXX XXXX This name is not my legal name by law. The law firm advised me that this is not my legal name So, I am filing this report to get Experian to update my file name which is legally by law XXXX XXXX XXXX not XXXX XXXX. The FCRA, states that in consumer reporting that the consumer information is to be 100 % accurate. Experian, is not following federal law, therefore I am requesting that my name be updated as per the law.

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 2018-09-29
Company: Convergent Resources, Inc.
State: KS
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 garshied my bank account for a time barred debt. 
Not properly served. 
Another account sent to XXXX XXXX.. this is not verified and is time barred as well.

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 2022-09-15
Company: EQUIFAX, INC.
State: NJ
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX XXXX XXXX XXXX  XXXX Account XXXX : XXXX ; XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: I.C. System, 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:
The previous submitted complaint was never resolved. IC systems has replied to the complaint and stated they have sent a response and did not. I have no contractual business with IC Systems and they have not responded to my initial letter.

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 2021-11-20
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I disputed an erroneous collection from XXXX ( account # XXXX ) in the amount of {$130.00}. XXXX was the creditor on my credit report. I sent everything to them and the three credit bureaus through certified mail. After numerous communications they were unable to locate the account and agreed to delete it from my report. It was deleted as agreed. On XX/XX/XXXX this debt was improperly re-inserted onto my credit report by a third-party collection agency, EOS CCA under an account number of XXXX on behalf of XXXX. I received no communications from EOS CCA. I filed an online dispute requesting additional information and only got a response of verified. This was previously resolved and removed and now EOS CCA cant provide any documentation it is still owed nor will the remove it after it being improperly re-inserted.

Company response to consumer: Closed with explanation