BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 did not open these accounts and I strongly suspect that they are fraudulent.

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 2022-11-30
Company: Chime Financial Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXX my XXXX  was hacked and a transaction of {$940.00} was sent to XXXX XXXX. I attempted to contact XXXX and they said nothing could be done. I put in a fraud alert to XXXXChime . They issued a provisional credit but as of today XX/XX/XXXX they said that the fraud transaction was declined and they were going to charge me the amount of {$940.00} I have banked with Chime for over 5 years and have only submitted one fraud alert and this is how I'm treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Netspend Corporation
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
1. I received an unexpected debit card from Western Union NETSPEND. I called XXXX XXXX XXXX department to cancel this card, but NETSPEND is other branch than the XXXX XXXX. 
2. I called the NETSPEND to cancel this account, but no customer service was provided to cancel this card. And the only option is to active this card. 
3. I want to file a complain to NETSPEND for 1 ) sending me unexpected debit card which I have never applied and 2 ) the customer service XXXX has no option to contact a real agent or cancel/close an 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 2023-09-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian is reporting false information on my consumer report. Additionally the false information appears to be older than 7 years. 
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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have linked the previous response the company XXXX XXXXXXXX XXXX XXXX said in the last CFPB complaint for reference which I find unsuitable. The company stated I was willing to pay them for a debt i have no knowledge of and ill and wrongfully stating to have sent me proof of validation on XX/XX/22 when that is false they have not sent me proof of ( proper ) validation regards to the FDCPA, XXXX and the FCRA including a breakdown of all fees including all collection as well as medical charges. To claim i owe them and not provide proof of the listed validation, contract they claim to have with my signature of agreement to pay them ( they claim ) is absurd. They will not be receiving any funds from me till their claims are proved to be correct. They don't even have my real address which is also proof they are just throwing things onto people 's credit and I will not tolerate this and they have no consent to add anything back onto my report till they prove their claims to me and they have a duty to prove proper reporting to me not the other way around. The company even took more than 30 days to response till i made the CFPB complaint which also is in violation of the law which I will also bring to me to court as evidence of the predatory practices if they so choose to feel the need to report onto my credit report again after mentioning to them him they have no consent till they provide ( PROPER REQUESTED EVIDENCE OF THE ITEMS LISTED ABOVE ). Transunion and XXXX I will also hold accountable for sitting back, seeing this happening and deciding to stay out of it when you have a duty to report accurate information and you are not just as well as they do ( XXXX XXXXXXXX XXXXXXXX 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 2023-09-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights 15 U.S.C 1681 section 602A. 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 XXXX, Experian, and XXXX have refused to remove this account after submitting an identity theft report from FTC. XXXX, Experian, and XXXX has not furnished any documents for account validation after multiple requests. 

Account number reflects inaccuracy across XXXX, Experian, and XXXX Date Opened reflects inaccuracy across XXXX, Experian, and XXXX XXXX XXXX reflects inaccuracy across XXXX, Experian, and XXXX XXXX XXXX reflects inaccuracy across XXXX, Experian, and XXXX Date Last Active reflects inaccuracy across XXXX, Experian, and XXXX Date of Last Payment reflects inaccuracy across XXXX, Experian, and 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 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

15 U.S. Code 6801 - Protection of nonpublic personal information. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information these companies did not get my approval or consent, nor did I receive notification of them sending a letter to disclose my information and these are all violations, remove them now! 

XXXX XXXX XXXX XXXXidentity theft-where is my wet signature that I gave permission XXXX XXXX-identity theft-where is my wet signature that I gave permission XXXX XXXX XXXX XXXX XXXXidentity theft where is my wet signature that I gave permission

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 2023-09-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX 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 explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX on XXXX I did a dispute against professional collector corporation and they couldnt validate the debts with XXXX so the bills were removed. XX/XX/2023 professional collector corporation then and reported 2 bills. One of the bills is for XXXX in the amount of {$1600.00} I have not been to the XXXXXXXX XXXX XXXX since at least XXXX of this year and it was for a cold so I went to convenient care. So that bill doesnt exist. There is a second bill for XXXX in the amount of {$4000.00}. This bill was already removed off of XXXX since it couldnt be validated. It already shows on the bill that I disputed already which I did through XXXX. Now XXXX said thats fine that they will take the bill and it put on my credit without validating again. Which they cant validate since it doesnt exist. Professional collector corporation is very angry with me since they are trying to collect that was already paid by XXXX XXXX XXXX and XXXXXXXX XXXX XXXX  is trying to double dip.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: EdFinancial Services
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have tried multiple times to reach EdFinancial and have requested at least two callbacks, one of them over a week ago. Based on the stated wait time they should have already called me back. I have spoken to a representative at the federal government who confirmed that I had submitted my SAVE application but the EdFinancial website still says I owe {$2500.00} in XXXX. That is also earlier than the grace period should have ended since I just graduated from law school, and my SAVE payment is supposed to be {$0.00} based on my tax statement from last year. I actually had a really good experience calling the government line but EdFinancial is impossible to reach.

Company response to consumer: Untimely response
Consumer complaint received 2022-11-30
Company: OneMain Finance Corporation
State: AL
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:
TO WHOM IT MAY CONCERN.. One Main financial ( XXXX # XXXX ) has violated the Fair credit act by Submitting incorrect information on my credit report.. 
The credit bureaus ( XXXX, XXXX, and XXXX  have also violated my rights by not Properly investing the account for validity.. No contract with Balance and signature has been produced.. 
THEY SUBMITTED MULTIPLES BALANCES ON MY CREDIT REPORT AND HAVE THE ACCOUNT SHOWING AS WRITTER OFF AND OPEN AT THE XXXX XXXX 15 U.S.C. 1681Sec 604 a sec 2 I would like to know how this account was validated and who validated it?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone used my name and DOB for a Hospital bill. 

This is not the first time that a person with a similar name has been shown in criminal reports using my identity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: ALLY FINANCIAL INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XX/XX/XXXX Consumer Financial Protection Bureau To Whom It May Concern, As your constituent, I write today out of a deep sense of frustration concerning the Financial institution as they target XXXX XXXX  to deny and disenfranchise for Housing, personal, business and Automotive loans. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX posted an advertisement no down payment with low interest rates. We applied for a loan for a XXXX XXXX XXXX {$16000.00}, with XXXX miles. On XX/XX/XXXX, my wife and I was approved for no money down with a low interest rate based on our credit scores XXXX, financed through Ally Bank, we called Ally Bank and was told our interest rate will be from 8.85 % to 11.99 %. 

My wife and I are beyond disappointed in this dealership, more specifically, sales manager XXXX XXXX. This man attempted to come off as a trusted, charismatic individual, but essentially in my experience working with him, my opinion changed and he has lost my trust and respect. It appears this dealer is engaged in bate and switch and Predatory lending after shot-gun our credit to several lenders, which further damaged our credit report due to excessive inquires. While the finance department were completing the final documents, we took the car for a one mile test drive no problem found at this time, except, the left rear floor mat was split, Rear wiper blade broken, radiator reservoir was empty. 

I alerted the lot person of the issuers, he stated they will fix the problem. After the test drive, we were told to report to the finance department, where we was forced to signed the car financial document In seven minutes without any explanations to what we are signing. We was not told about the XXXX and XXXX XXXX XXXX XXXX on this car that we paid for. We drove sixty miles to our home to find out this car was Jerking and shifting very hard, I called XXXX and told him about how unhappy about this transmission situation, He asked me to bring the car in on XX/XX/XXXX to fix the problem, which the dealer should have checked during a service of this car. 

When we got home we are able to actual read what we signed and very disappointed as to how we got ripped off manly because they target XXXX XXXX in regards to situation like this. XXXX should be forced by the Federal Government for a transmission recall on the XXXX XXXX. We are asking the State and Federal Government to investigate XXXX XXXX XXXX XXXX for Predatory Lending, while using bate and switch tactics, while inflated the cost of the loan to {$19000.00} for 75 months interest over {$30000.00} when the car is paid off. 

Sincerely, 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 explanation
Consumer complaint received 2023-09-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 Credit Reporting Act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

In accordance with the Credit Reporting Act XXXX Account : XXXX XXXX 15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604a 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 2022-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Incident occurred : XXXX XXXX of {$2000.00} Filed claim XXXX My personal account was closed and a chargeback have been issued on my account in the amount of {$2000.00}. The bank has closed my account and placed me in XXXX. 

My account has been targeted by fraud via debit card and I have told Bank of America this. They responded by informing me to trust them and that they will investigate and resolve the issue. They resolved it by reversing the credited account and closing when I refuse to pay for something I did not authorize nor do. I asked what did there investigation intel and they simply said someone couldnt possibly obtain your pin.

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 2023-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Bank of America never provided a resolution or goodwill. 
My credit report is still affected as well as my Insurance Score. 
This adverse action has reduced my insurance score which is impacting a higher insurance rate. 
The Bank claims the issue has been resolved but refuses to contact the credit agencys to update the information. 
This bank reported to the credit agencys twice in error. 
The first time the late payment was disputed the bank falsified a record stating that I was late and I had to write letters and exhaustively contact this bank without any help. If this bank refuses to provide a reasonable goodwill I will be filing a lawsuit for violating the fair credit reporting act as well as negligence and failure to respond.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Opened XXXX XXXX XXXX  Highest Balance {$17000.00} ), XXXX XXXX ( Opened XXXX XXXX XXXX, Balance {$140.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX XXXX XXXX Highest Balance {$530.00} ), XXXX XXXX ( Opened XXXX XXXX XXXX Balance {$180.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : XXXX XXXX XXXXXXXX The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. FCRA 15 USC 1681

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 2023-12-01
Company: MOHELA
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
See attachment included below. 

In short, a presentment of tender of payment was made and I did not receive any notice that the presentment was dishonored. I asked for validation of debt, the company did not comply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have several credit inquiries I never authorized. I've disputed with the bureaus on several occasions and they refuse to assist me with getting them removed. The accounts are as follows XXXX XXXX XXXX & XXXX XXXX  XXXX XXXX XXXX & XXXX XXXX XXXX  XXXX TransUnion XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXXNone of these were done by me or with my consent. I haven't shopped for a car or credit with any of these companies.

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