BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the late payment, charge-off, and collection accounts. No changes were made. Below are the inaccurate items from my credit report : Late Payment 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 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 2022-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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  Acct # 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 2022-06-08
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: Credit inquiries on your report that you don't recognize

Complaint:
I have multiple times requested validation of some inquiries that I NEVER authorized to the company ignoring me. I did call these companies and was told they have no record of me and to contact the reporting agency. I didnt authorize these. 
Attached is last letter sent to the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
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:
I recently lost my wallet which had my DL and social security card in it. A short time later, my wallet was found with my ID and social security card in it, however I think someone saved the information or kept a photo of it and tried to open accounts in my name. I realized this when I looked at my recent credit report and found 20+ many unauthorized inquiries on the report!! I tried to dispute them with creditors but they just sent me to deal with the credit bureaus and the credit bureaus have refused to help me when I requested. The following inquires were not authorized by me : XXXX : XX/XX/XXXX XXXX XXXX : XXXX/XXXX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX  : XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX  XXXX : XX/XX/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 2022-09-23
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I deposited my paycheck through TRUIST mobile deposit, that was issued through the corporation XXXX XXXX XXXX XXXX, and was placed on a 9 day hold. The check was {$800.00} and I had more than enough to cover the funds if the check was fraudulent. 

I live paycheck to paycheck to feed my family. When I called the staff told me all these ridiculous reasons why it would be held, none seemed to be reason enough to hold that amount for that long, and eventually was told that they " COULD HOLD ANY CHECK AT ANYTIME FOR ANY REASON. ''

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 2022-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
The company XXXX withdrew funds from my granddaughter 's checking account using her debit card info. The withdrawals occurred all on the same day ( XX/XX/2022 ) totaling over {$500.00}. She immediately canceled her card and notified Capital One. XXXX submitted a chargeback dispute letter. I have since noticed this same scheme occurred against others who reported this fraud to XXXX. The company on the chargeback letter is : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This has also been reported to the US FTC. 
She has also filed a police report. 
She is also reporting this fraud to the California State Attorney General. 
The chargeback letter includes my granddaughter 's name and debit card number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
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: Their investigation did not fix an error on your report

Complaint:
After providing proof to Transunion they are still choosing to report false information on my report. The accounts are 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 2022-09-29
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:
In accordance with the Fair Credit Reporting act 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. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX on XX/XX/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 2022-09-23
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
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:
My name is XXXX XXXX im writing regarding FNBO credit card that was unauthorized and fraudulant account i tried to dispute this and they erased it from my credit and its still there and i tried to file a complaint with CFPB and response came that i was the one who applied for this card but i was not and there is a transactions on it that wasn't done by 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 2022-07-29
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received three separate letters from card support services on XX/XX/2022, advising me that my Macys, Home Depot and Sears accounts have been closed immediately and without warning or explanation. I pay my bills on time, and have been a loyal customer of Citibank, the apparent creditor involved, for over twenty years. 

They refuse to give an explanation over the phone. Letters have been sent remaking an explanation.

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 2022-09-23
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Federal Student loan debt is is {$190000.00}. These loans have been in XXXX status since XX/XX/XXXX. 

There was a class action lawsuit filed against Navient ( Formerly XXXX XXXX now XXXX ). According to navientagsettlement.com, Navient was ordered to pay restitution and cancel loans for its unfair and deceptive servicing and collection practices as formerly being XXXX XXXX and other predatory practices. According to the Navient XXXX XXXX XXXX website # 4 " Who is eligible for restitution relating to federal loan forbearance steering? ", Generally, borrowers are eligible for restitution if they : >Resided in a restitution-participating state and were serviced by Navient as of XX/XX/XXXX ; >Entered repayment on a Direct or FFEL Program loan before XX/XX/XXXX ; >Had at least one federal loan that was eligible for income-driven repayment ; >Had at least two years of consecutive verbal or administrative forbearance between XX/XX/XXXX and XX/XX/XXXX, where at least one of the forbearances was entered through a phone call, and where at least half of the forbearance time was prospective ( i.e., not used to bring a past-due loan current ) ; and >Did not enroll in income-driven repayment prior to the forbearance period. 
>Eligibility for a federal loan forbearance steering payment is not affected by the transfer of servicing to XXXX. 

Although I qualify, I was not sent a postcard, letter, or email of any kind from Navient. Upon calling Navient XXXX XXXX XXXX hotline, there was no record of me in their system or database. The loans have been in XXXX ( income-based repayment ) and/or forbearance since XX/XX/XXXX. I was told to start making complaints, etc. I was not supposed to be left off of the list according to XXXX ( Supervisor ) at Navient XXXX XXXX ( XXXX ), but there was nothing they could do. I am struggling to pay these loans is an understatement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Experian continues to keep a closed account showing negative information after I requested for it to be deleted. Per 15 USC 1681 sec. 602A and sec. 604 A sec 2 codes of XXXX laws was reported as being violated. I made the complaint and asked for the account # XXXX at XXXX XXXX XXXX XXXX XXXX with {$1400.00} balance to be deleted due to my Consumer rights being violated and as result the account is being reported as only closed yet is still including all the negative information concerning that account. I would like to have the payment details and balance deleted as per my first initial complaint requested please. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry from 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 2023-08-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX, XXXX XXXX XXXX, FL XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance XXXX {$0.00}, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$2700.00}, XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$1800.00}, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX. ) XXXX Balance : {$950.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. ) XXXX Balance : {$580.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$68.00}, XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$440.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23
Company: Experian Information Solutions Inc.
State: UT
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, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 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 2022-09-23
Company: EQUIFAX, INC.
State: UT
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 has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 2022-09-23
Company: Prosper Marketplace, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
XX/XX/21 I contacted prosper at the end of my extension to continue my regular monthly payments. Note : prosper granted me {$50.00} payments during the pandemic. When I made my last reduced payment Prosper said I would need to pay {$1500.00} for my next payment because the term of my lease due. I would have to make to payments of {$1500.00} to close out the loan. I requested to pay {$400.00} because the pandemic limited my income, they refused. I now have a charge-off on my credit. Prosper demanded full payment during a time when customers where struggling.

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 2022-12-04
Company: Navient Solutions, LLC.
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: Information belongs to someone else

Complaint:
I've disputed accounts that were opened via identity theft with servicer between 3 to 5 times and they keep verifying the information is correct. I've told them to block the information also but they refused to do so. Their response was my dispute isn't valid, because I didn't identify the account I wan to be disputed/erased. I took all the necessary steps to remove the tradelines off of my report. They refuse to block info that I'm telling them is result of Identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a Kohls charge that got closed in XXXX and it got sent to the collections agency. I paid it with a representative on XX/XX/XXXX they offered me a pay off balance and if I paid it off it would of been taken care of and it is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company did NOT send me all the validating information that I requested, instead they decided to just send a bunch of statements to " prove '' that the debt is mine which is a clear violation of the fair debt collection reporting act. Additionally, I requested a specified cease of communication for the account # XXXX to which they also did not comply with. This further violates the FDCPA to which I am willing to take legal action. In my validation request I demanded that they show me proof that I had indorsed a contract/instrument with Transworld Systems Inc to which they did not provide. I also asked that they send me the entire purchase agreement, which they did not provide. I ask them to send more validating data pursuant to 12 CFR 1006.34 which again they did NOT provide. Furthermore, Transworld Systems Inc reported this information to consumer reporting agencies ( to whom they call business partners ) without validating the alleged debt first which is a complete violation of the fair credit reporting act. To be more specific 15 U.S. Code 1681s-2. It is clear that Transworld Systems Inc does not care about the federal laws set forth by congress and is willing to break the laws in order to make a financial gain. Instead of honoring my cease communication notice, they decided to just mark it as " disputed ''. This violates 15 U.S. Code 1692c ( c ) which states " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt ''. The FDCPA describes communication as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and credit reporting is an indirect medium. These are unfair practices that they are using to clearly harass, oppress and abuse me. I will be submitting a complaint with my state attorney general in addition to this cfpb complaint. If this matter persists, I will seek litigation for damages.

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 2022-09-23
Company: EQUIFAX, INC.
State: MA
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:
There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the late payment, charge-off, and collection accounts. No changes were made. Below are the inaccurate items from my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation