BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
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 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 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 2022-08-01
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:
Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The XXXX Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; 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 2022-12-09
Company: Early Warning Services, LLC
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On Tuesday, XXXX XXXX, I was scammed out of {$990.00} while trying to buy concert tickets. 

I saw a post in a local, private XXXX page advertising for XXXX XXXX XXXX tickets for {$250.00} each. The account I was messaging ( on XXXX XXXX XXXX has posts that go back to 2012 and was the account of an actual person. I transferred {$500.00} through Zelle from my bank account for the first installment of tickets. Once that went through, the scammer said they would send me the tickets once I sent the additional money. I sent the rest of the money, and then they demanded a {$100.00} XXXX fee and I realized that I had indeed been scammed. The account blocked me. I requested the money back, but did not receive it. 

I looked at the account I was messaging with a young woman and I was able to find contact information for her father. He informed me on Thursday, XXXX XXXX, that his daughter 's account had been hacked and she had lost access to it. The scammer is using this girl 's real account to scam people. 

On XXXX XXXX, I disputed the transactions with my bank and they denied my disputes. 

I was convinced it was a real person because of the use of the account that I glazed over red flags.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my two year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-12-12
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of identity of fraud and or identity theft.This account was opened and made by someone else pretending to be me. I did not authorize or used or benefited from the opening of this account that I'm disputing it needs to be removed immediately and updated on my credit profile

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 2022-08-01
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$60.00} XXXX XXXX Balance Owed : {$60.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX  XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX  XXXX XXXX Balance Owed : {$310.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2900.00} XXXX  XXXX XXXX Balance Owed : {$3900.00}

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 2017-12-24
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Hello, I 'm contacting the CFPB because I 've been reading about the current lawsuits on Navient and whether or not it affects me in some way. 

I went to college around early XXXX and finished in XXXX. My first loans were three private loans ( or Signature Student loans ), which at the time all I knew was I did  n't need my parents to sign for them. At the start they added up to around {$20000.00}, and they are now about {$24000.00} due to past late payments and interest adding onto it. Any other loans I got after that were federal, which are now covered via IBR. 

Currently I am part of Naviant 's Rate Reduction program, but this was only given to me AFTER I was behind a few months worth of payments. They did n't tell me about this program until I was left with no other choose but to moved back in with my parents because I would n't afford rent and loan payments at the same time. When I asked why they did n't tell me about this before and saved me the headache and tears, all I got was 'some people in Navient just do n't want to do their job ', or something to that degree. This was in mid XXXX when I finally was able to start paying on those loans again ; {$190.00} every month. Before my payments were double that, not counting the interest. I believe Navient failed to inform me about this program, which lead to increase XXXX and XXXX. 

Before any of this, I had made payments to Navient in advance on my private loan, up to a year 's worth. This was back when Navient was known as XXXX XXXX. I do n't know what happened, but when XXXX XXXX become Navient, all the records on those advance payments I made were gone. I checked my account and I could n't find any records on them, which were there before the change. I called them ; they claimed there was nothing on their end. This is what caused me to move out of my apartment, back to my parents, and endure phone calls demanding money I did n't have for the next few months. That was when I was finally offered the Rate Reduction program. 

The more I thought about it, the more it felt like I 've been XXXX by Navient into paying even more on my private loans. I 'm also beginning to wonder if the nature of my private loans are even legit. I would love to have someone help me with this, if they could.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: First Data Corporation
State: MN
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 following account opening inquiries listed on my TeleCheck Consumer report are fraudulent, unauthorized and not mine : XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX, XX/XX/2018 and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have attached my billing statements that include all the payments I have made on my account. I have bern trying for months for this company to correct my balance that is showing I am past due from XXXX and I am not past due at all. Ive spoken with several people at the executive office that stated they were going to fix this issue and it has not been resolved. They are stealing my money because I've made my payments! Ive even had representatives from the executive office tell me they've done an audit on my account and they know it's showing incorrectly and it would be fixed. Told me the dollar amount I owed in XXXX. I paid that and she assured me my account would be corrected. Now Ive gotten a repossession notice in the mail. They are giving me the run around and I want this resolved. If my car gets repossessed behind this I am pressing charges. They are outright stealing my money. Then acting like they don't know how to fix it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
the Fair Credit Reporting act XXXX Account # XXXX, XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I SUBMITTED MY DISPUTE TO ALL THREE CREDIT BUREAUS BY MAIL LAST MONTH AND I STILL HAVE NOT RECIEVED AN RESPONSE REGARDING MY ISSUES WITH TWO ACCOUNTS. I WOULD LIKE TO SEE IF THE CFPB CAN SEE WHAT THE PROBLEM IS AND MAKE THEM PROCESS MY PAPERWORK BECAUSE I'M TRYING TO BUY A NEW HOUSE. ATTACHED IS A COPY OF EVERYTHING I SENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
Company: GLA Collection Company, Inc.
State: KY
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:
According to 15 U.S. Code 1681s-2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and GLA COLLECTIONS has furnished incorrect information to the consumer reporting agencies. Under U.S. Code 1692g Validation of debt. The listed said names have failed in providing proof that I the consumer have a contract with them and that I owe any amount. I have sent a letter of validation, letter of cease and desist and now my affidavit of fact stating that by law they are violating my rights as a consumer and are breaking multiple laws by so and I have demand that said names listed to cease and desist immediately multiple times. The Listed said names have only provided printed billing statements or records that will not verify or validate a debt according to Federal ruling. See XXXX XXXX XXXX, XXXX XXXX XXXX Federal Rules of Evidence [ " FRE '' ] Rule 602. I've ask that they send purchase agreement, affidavit of purchase, There license number to do business in the state of Kentucky, registered agent of service and any signed signatures that I have an agreement with said names listed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
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:
I have reached out to Transunion several occasions. I must admit I have had a terrible experience with XXXX and Transunion through this whole ordeal. XXXX furnished information on my consumer report that wasn't 100 % accurate and Transunion refuses to acknowledge the grave mistake by continuing it to be allowed on my consumer report. None of the details concerning my loan are accurate across all 3 bureaus and I asked Transunion to specifically send me the signed documents they have on file concerning the account. I have reached out to XXXX without no prevail even though I qualified for their deficiency waiver of the lawsuit they had against them. I believe XXXX misrepresented the auto loan given to me by using predatory and fraudulent actions and it shows in the furnished information given to credit reporting agencies. Clearly XXXX is committing several state and Federal laws. By adding miscellaneous fees and XXXX did not clearly and conspicuously specify certain details in the initial contract I believe XXXX took advantage of me at the time of XXXX XXXX XXXX and no credit accounts on my consumer report. Transunion has failed to have proper procedures in place to ensure the accuracy of this account I am making this complaint due to Transunion failing to uphold the rights of consumers and not properly handling the information given to them by me ( the consumer ) but only parroting what companies that aren't even reputable are giving them as accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
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: Account information incorrect

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS XXXX. XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX. ) XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXX XXXX XXXX  XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS XXXX XXXX XXXX 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 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISHED A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}.

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 2022-09-27
Company: Experian Information Solutions Inc.
State: LA
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: Was not notified of investigation status or results

Complaint:
I submitted a dispute to Experian, XXXX XXXX XXXX. I have not received a response. I understand that I am given time to hear back but they are all out of time. Legally. 

I need them to remove the items on my credit report & also compensate me for breaking 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 2022-04-25
Company: EQUIFAX, 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:
There is an internal block on my credit file. I have called every week to resolve this issue for 2 years. They are not trying to solve this problem. I have sent certified documents of identification to this company. They were signed for by the company on XX/XX/2022. The agent said that they have 5 days process from the back office. Its been 20 days and the agent today ( XX/XX/2022 ), says that there is documents updated to my file. Supervisor XXXX said there was an internal block on XX/XX/2022. The agent today XX/XX/2022 says there is no block. Agent stated that lenders or anyone trying to access my file has to use the number XXXX for the suffix in my name. We have tried this and it does not work. Please help me fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I stopped by this branch to request information on the Community Affordable Loan Solution program they announced in XXXX to assist XXXX XXXX  and/or XXXX  communities in pursuing the so-called " American Dream '' of becoming a homeowner. At first, I was told that the XXXX XXXX XXXX ( whose name I will not disclose ) was unavailable, but I was welcome to call and email him if needed. After leaving the premises, I started my online application. I called and left a voicemail the same day for this person, and it's been literally over two weeks, if not more, that I haven't received a callback. I should add that I've called him and his Manager on multiple occasions and still no response. My last effort to get their attention was to call the BOA general line, and the agent assisting me said that she sent an urgent email to the Manager, requesting a callback. NOTHING! My last voicemail to this Manager was expressing my disappointment and kindly asking to please drop my application. I don't feel right doing business with people that do not care. I don't want to play the XXXX XXXX, but it feels like it. Once again, the least I was expecting was an acknowledgment from them. Well, BOA, thank you for leaving me with a bad taste of what to expect from you and your people.

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