BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I was a victim of identity theft in 2014, I have tried fixing the situation on my own but keep getting turned down. I have gave loans and pmbulls opened in my name that I did not authorize and I also have numerous of credit inquiries that I have not authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I was a victim of identity theft in 2014, I have tried fixing the situation on my own but keep getting turned down. I have gave loans and pmbulls opened in my name that I did not authorize and I also have numerous of credit inquiries that I have not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
On XX/XX/XXXX, I tried to obtain a cashiers check. The employee called someone and I was denied access to the funds from my account. And they ended my 10 year banking relationship, saying that its under investigation, suggesting I am committing fraud and she told me inaccurate information. They placed a hard restriction on my account and it has caused a major hardship for me and my family. This restriction has left my account at a {$0.00} balance and the funds were from a loan I received on XX/XX/XXXX. Due to the restriction, I now may have my utilities shut off, me and my family can be evicted and many other factors. They also gave me no indication as to when this will be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have several private student loans with this company. The repayment is very high, but I have made all efforts to best accomodate this loan including communicating often with the servicer, navient. I have not been able to recieve much assistance and have been spoken to brasenly several times about my inability to pay. I don't feel like all of my options were provided nor was I given an option that wouls help me accomodate my debt. My interest rates have nearly trippled on these loans, sinking more into a hole than when I started. They also took liberties with my co-signers credit reports and sent derogatory comments that were false in nature. Once identified, they were contacted and refused to resend the comments thus negatively affecting their credit scores. This was the most appaling part. After all I attempted to resolve my loans. Paying more and more to accomodate this company, and it has a negative affect on the people that believed in my education.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I tried to access my transunion file to unfreeze my credit and its not allowing me it say unavailable. I am not getting any help from representatives

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: JPMORGAN CHASE & CO.
State: AZ
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:
From XXXX XXXX XXXX, We had fraud connected to our account and nearly XXXX dollars were stolen from us. We communicated with Chase, and they provided some temporary credit, but by XX/XX/XXXX, we had XXXX large charge reversed ( 655.67 ). As of now, there are XXXX additional large charges ( of nearly the same amount ) that are not closed from their fraud team, but purchased the same way. We worry that these will be reversed too. We a They explained that they can not prove the fraud, therefore reversing the charges, and we would have to do directly to the vendor. We found the vendor and got the receipts for the items fraudulently bought on our account, and across the country, and have so far been working with a XXXX party company to assist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I asked the credit bureaus to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did a research myself and found inaccuracies on my credit report even after they said they did a full research. In Accordance with XXXX  XXXX XXXX, ACCOUNT NUMBER XXXX, all have 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 non-monetary relief
Consumer complaint received 2022-09-08
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: Account status incorrect

Complaint:
CFPB + TransUnion, This complaint is in relation to a credit account this creditor ( XXXX XXXX XXXX has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-20
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have settled an account with collection agency XXXX XXXX and they agreed to delete the account once it 's paid. The account was deleted on XXXX XXXX 2017 and experian re inserted the collection account by XXXX XXXX, 2017 without giving my 5 days notice as it is my right to be notified if an account is being re inserted and I called and sent in proof the account was paid and removed and re inserted I disputed with experian and XXXX sent me proof they sent to experian to remove the negative trade line and still experian still has n't removed the negative 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 2022-08-04
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: Personal information incorrect

Complaint:
I currently live at the address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX I no longer live at the address XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX. Please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Maximus Education, LLC dba Aidvantage
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a concerned consumer and I am aware that Dept of Aidvantage may be infringing upon my rights to privacy by violating the Fair Credit Reporting Act according to the Gramm Leach Bliley Act 15 USC 1681a ( 2 ) I, consumer have the right to opt out of any and all consumer reportings and as of today, XX/XX/2022 I am exercising that right to privacy and request to no longer receive these consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX. XXXX, XXXX Account # XXXX, XXXX. XXXX, XXXX Account # XXXX and XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2022-03-13
Company: Experian Information Solutions Inc.
State: MD
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 made several complaints about the same issues. I have yet to receive the proper verification for the furnishing of these accounts. Please provide to original contract of indebtedness or remove all items immediately. These accounts are being furnish without my consent nor proper verification

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 2022-09-08
Company: EQUIFAX, INC.
State: NY
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 XXXX Account Number : XXXX I recently disputed a item on my credit report. I asked the credit bureaus to verify the account and do a full and proper investigation. However they wrote back and said the account was accurate and they did a proper investigation and closed the account. However after doing my research I found inaccurate information. Which leads me to believe there was no proper investigation done. 

In accordance with fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have a rights 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 2018-04-27
Company: TD BANK US HOLDING COMPANY
State: ND
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 has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Experian Information Solutions Inc.
State: MD
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 been disputing two bankruptcies on my credit reports I reached out to the court and was told they haven't talked to any bureau and they sent me a letter saying so I've been trying for over a year to get them off and its causing me terrible hardship I reached out to the bureaus data provider XXXX because XXXX  told me to do so and they deleted one of them but the bureaus won't even after XXXX sent them letters but XXXX and the bureaus still need to delete the other one and they won't send me the information where they're saying they are verifying it from

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 2022-09-08
Company: Experian Information Solutions Inc.
State: NY
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 XXXX  Account Number : XXXX I recently disputed a item on my credit report. I asked the credit bureaus to verify the account and do a full and proper investigation. However they wrote back and said the account was accurate and they did a proper investigation and closed the account. However after doing my research I found inaccurate information. Which leads me to believe there was no proper investigation done. 

In accordance with fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have a rights 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 2022-03-13
Company: Source Receivables Management LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Account had been disputed in XXXX of 2021 by the original collector. Company put it back on my report on XX/XX/2021 Was receiving harassment calls every single day, told company to leave me alone as debt had been removed and yet would receive a call. Have blocked calls from this company Source Receivables Management and would still receive calls. This account was closed down Im not understanding why it was opened back up again and report to my credit when it had been disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The account is paid off since XX/XX/2004 and should never have been shown on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PORTFOLIO RECOVERY # XXXX is reporting late payments with the 3 CRA .

I dispute this debt as I have never opened an account with this collection agency ; therefore, the collection agency is inaccurately and erroneously reporting a 30-day late notation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I am not responsible for this debt, nor do I have an agreement with you. In addition, you are not authorized to collect in my state.

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 2022-03-13
Company: U.S. BANCORP
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XX/XX/2020 I opened a checking account with US bank I have always kept my account in good standing paying off any fees deemed necessary by the bank. I have had continued problems with federal agents in new mexico illegally accessing my bank accounts. I recieved my child tax care credits in the account and every month I was calling US BANK because they would manually rearrange all the transactions in my account every single transaction. The bank would hold pending charges for up to a month or not collect on pending charges for two months I brought this to the banks attention they said they would investigate and they never did. I continuously complained about every charge in my account being manually adjusted and charges never posting or pending charges and not releasing the money back into my account l. I would make drive-thru deposits with the teller and they would even give me the wrong receipts so if I would deposit {$25.00} they would give me a receipt saying I deposited {$40.00}. I strongly believe it was for federal agents who didn't have a warrant and whom the bank was illegally letting access my account. Fast forward in XXXX I was overdrawn XXXX I never had a problem I filed for my income tax to go in there only to learn that my bank account had been closed I CALLED YOU A BANK AND THEY SAID THAT THEY DON'T CLOSE ACCOUNTS UNTIL 4 MONTHS AFTER YOU'VE BEEN OVERDRAWN MY ACCOUNT GOT CLOSED 2 MONTHS LATER WHY?

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 2018-06-08
Company: CL Holdings LLC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've signed up for XXXX XXXX and get alerts when my credit report changes. I received an alert on XX/XX/XXXX that a new debt had been added to my report from XXXX XXXX XXXX. Today is Friday, XX/XX/XXXX and I have yet to receive any notices from them including what the debt is in reference to, an account number, balance owed, payment instructions or even how to dispute it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
the unauthorized use to report unauthorized hard inquires use of showing my SSN they didn't removed all closed account and all account that have been paid in full and all address etc on my credit report with my consent this put them violation of 18 U.S. Code 1030 15 U.S. Code 1681 42 U.S. Code 408 15 U.S. Code 1681r 15 U.S. Code 1681g

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 2022-02-17
Company: Creditors Bureau Associates
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not my account I am writing you because I tried to handle this matter with the collection agency but they did not validate this debt that they say I owe. They only sent me a copy of a bill. They never sent me a validation under the fair debt collection practices act 15 UFCs 1692g. The amount is XXXX and the date was service was XX/XX/2019. I have never lived at the address on file or use the hospital for medical treatment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: EQUIFAX, 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:
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 fraudulent accounts on my credit profile that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: Source Receivables Management LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have told company several times that there service did not work in my area. I was willing to return devices and terminate service as phones did not work properly in my area. Phones were returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation