BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have fraudulent information on my credit report. Almost my entire credit report is fraudulent. I am unaware of these accounts.

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 2022-07-24
Company: EQUIFAX, INC.
State: FL
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 have reached out to the 3 major credit bureaus, by disputing inaccurate information on my credit reports and I have received no response, in 30-to 45 days, as stated in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: ENCORE CAPITAL GROUP INC.
State: AL
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 never received any notice about this so-called debt that Midland claims is mine. I 've never received anything in writing/mail regarding this debt. I only found out about this debt when I ran my credit report. I have since requested numerous times that Midland verifies that this debt is actually mine. They have failed to do so and are now after carefully monitoring my credit account I have found out that Midland is now threatening me legally. I feel that my legal rights are being violated and this company are using unscrupulous means of collecting a debt without legal validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Fedloan has bestowed multiple acts of negligence which resulted in excessive charges to my student loan account. After my extensive efforts to motivate Fedloan to correct some of the unethical and illegal servicing practices they inflicted on my account, the balances on my student loan accounts with Fedloan decreased XX/XX/2016. Unfortunately, despite Fedloan 's obligation to inform me of any activity they place on my account, they chose not to inform me of the adjustments Fedloan made or provide me an explanation of these adjustments upon my many requests. I have contacted Fedloan via phone and email on multiple occasions requesting a written detailed explanation describing the amount each individual loan Fedloan services was adjusted, why it was adjusted, and how the amount they adjusted each loan was determined. Fedloan continues to refuse to provide this explanation detailing adjustments made on each individual loan. Additionally, the last account summary statement received XX/XX/2016 which is dated after the adjustments were made is inaccurate. I requested an accurate account summary statement XX/XX/2016 and again XX/XX/2016. Fedloan has failed to provide an accurate Account summary statement. I would like fedloan to stop violating my rights as a borrower and inform me in writing a detailed explanation of the amounts each of my loans were adjusted and why. and an accurate account summary statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On or about XX/XX/2016 I sent a letter to creditor requesting information regarding the alleged debt ( originator, amount, authorization, etc. ) on XX/XX/2016 I received a letter from creditor stating they could not locate my account. I have since then contacted the credit bureaus requesting the same information with no results. I am attaching the letter I received from the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: Five Lakes Agency
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This debt was purchased by XXXX XXXX XX/XX/2014. I did not receive communication, though they insist they sent it. Calls to XXXX XXXX informed me to first call their account reps to get my information. Another call said the debt had been sold to a company called XXXX. A call to XXXX told me it had yet been sold to another company. I have n't received any kind of information from these companies with debt validation or giving me the right to dispute. The last company 's rep said she " was n't sure '' if they still had the original account information. I feel as if I 'm being run around in circles. 
As for my credit report, this account appears as it still belongs to XXXX XXXX.There are multiple inconsistencies across all reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account XXXX XXXX, XXXX Account # XXXX, XXXX  Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-24
Company: EQUIFAX, INC.
State: GA
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 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 XXXX Date : XXXX Inquiry Type : Unknown - Credit Extension, Review, Or Collection XXXX XXXX Date : XXXX Inquiry Type : Unknown - Credit Extension, Review, Or Collection XXXX XXXX  XXXX Date : XXXX Inquiry Type : Unknown - Credit Extension, Review, Or Collection XXXX XXXX XXXX Date : XXXX Inquiry Type : Unknown - Credit Extension, Review, Or Collection XXXX XXXX  XXXX Date : XXXX Inquiry Type : Bank Credit XXXX XXXX XXXX XXXX Date : XXXX Inquiry Type : Bank Credit XXXX XXXX XXXX XXXX : XXXX Inquiry Type : Auto Financing XXXX Date : XXXX Inquiry Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX Type : Bank Credit Cards -- -- -- XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXXL XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX Account Type : Other XXXX Account Number : XXXX Account Type : Other XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. FSTPREMIER XXXX {$610.00} XXXX XXXX {$14000.00} XXXX XXXX {$23000.00} XXXX XXXX {$960.00}

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 explanation
Consumer complaint received 2016-02-23
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am being contacted by XXXX XXXX XXXX for an account that is not mine. I have advised them the account is not mine as I am a victim of Identity Fraud. XXXX XXXX continnues to call me and harass me asking me for a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am looking at my report with inquiries from companies that should not have taken a hard inquiry which is interfering with my ability to obtain a home and decent wage bearing employment in my field. Most recently when applying for a home loan and a job, I found out this information. 


These are the inquiries that are hurting my profile. Please remove them. 

XXXX XXXX A XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance {$2400.00} Status Closed Updated XX/XX/XXXX is reporting an account that has not been verified by the consumer. I have requested documentation and verifiable information that this account belongs to XXXX XXXX, me, the consumer.

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 2022-07-24
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In reviewing my Credit report and score with XXXX i notices 35 unreported payment from XXXX to XXXX. If 35 % of my score is from reporting this has played a large part in my socres.

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 2017-01-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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 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 2017-01-24
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
As of Tuesday, XXXX XXXX, 2017, EXPERIAN is still knowingly and illegally reporting a debt of {$1000.00} to XXXX for XXXX. 

REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by XXXX. 
I maintain that during the selling, purchasing and/or transferring of my account ( s ), XXXX, knowingly violates both the Fair Debt Collection Practices Act and The Fair Credit Reporting, by constantly and consistently reporting negative, unfair, inaccurate, unreliable, incomplete and missing information to the XXXX major credit reporting agencies/bureaus ( Experian, XXXX and XXXX ) by purposefully misrepresenting a debt that I do NOT owe in its reporting as debts of XXXX ( {$1000.00} ) that is : ( 1 ) paid/settled ( 2 ) old, obsolete and out-of-date ( 3 ) over the Statue of Limitations ( 4 ) time-barred ( 5 ) used to intimidate ( 6 ) purposely omitted date ( s ), time, purchases and amounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I have been having fraud and identity theft problems. The FTC suggested I contact Equifax to get a credit report. When I contacted Equifax , they did not tell me I could get a free credit report. Instead, they said I needed to get Identity Patrol for a cost of $ XXXX/month. Three days later, I received an email stating I was no longer eligible and needed to get the Gold Watch protection for $ XXXX/month. When I called to ask about this, I talked to " XXXX '' who told me that some other credit company had put a freeze on my account and asked me a lot of vague questions about my credit without explaining why. Eventually, she said the account had locked up and I would have to email for additional information and she hung up. I was a little concerned because my emails had been hacked into. This did n't seem a secure method. Two hours later I called back and talked to " XXXX ''. He said the problem had been corrected and had been caused by XXXX. The only people I ever talked to were at Equifax. He said I only had to pay {$16.00}. When I explained to him that all I wanted was a free credit report and that that was never given to me as an option. He said there was little he could do. When I asked for a refund, he said he did n't handle that, it was handled by billing in the back-office. I then spoke to XXXX XXXX who said there would be an investigation and I should get a refund in 7 to 10 business days. He gave me a reference number of XXXXNone of these people were helpful, polite, or professional. They all wanted to argue with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 sent several notices via certified mail to TransUnion regarding these bankruptcies on my report. I sent the same information to the other 2 credit bureaus and it was removed immediately. Transunion keeps responding back as verified as accurate. I sent a letter to the bankruptcy court asking Do they verify any information on a bankruptcy to credit bureaus or any third parties Their answer in simple was No so if you do not get it verified from the source, How are you verifying these as mine or 100 % accurate. 
According to U.S.C 1681 Section 604 ( A ) ( 2 ) it states : A consumer reporting agency can not furnish a account without my written instructions. 
According to U.S.C 1681 Section 604 It also states I have a right to privacy.

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 2022-07-25
Company: Experian Information Solutions Inc.
State: GA
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 am XXXX XXXX XXXX, and I am submitting this complaint on my behalf I been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these account violate the FCRA and FDCPA these accounts must be deleted immediately.

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 2017-01-19
Company: ALEXANDER-ROSE ASSOC, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Also attempted to contact Alexander rose per the address listed on my credit report and the letter sent just info about dates of the collection. Did n't even read what I sent or cared. I sent it to the bureaus and they ignored it. Please help if you can thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: PA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
CDs were purchased from XXXX Bank which was acquired by XXXX bank. XXXX was acquired by BNY Mellon. They were never cashed in and have been sitting in my husband 's office. They are in my name with my SS # on the front. BNY Mellon is refusing to honor these CDs. I have attached copies of them to this complaint. We have checked with unclaimed property of Pennsylvania and they have done an investigation and did not achieve resolution with the bank. This is my hard earned money and I purchased these CDs expecting to be paid back. I have the original CDs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Winklevoss Exchange LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have a crypto account with Gemini Trust Company LLC, located in the State of New York. On XX/XX/2022 I attempted to purchase {$310.00} worth of Doge crypto currency, but in error I typed {$3100.00} which made it appear as if I was purchasing {$3100.00} worth of Doge crypto currency. My bank immediately stopped payment on that transaction thinking it was fraudulent, and the Gemini company contacted me by email to say my account was frozen, as they too also thought it was a fraudulent transaction. The {$3100.00} transaction was not approved by my bank, which I found out later, and I also never received {$3100.00} worth of Doge crypto in my portfolio. The freeze has since been removed but I am unable to purchase or trade and my account has a notification that I would not be able to have full access until I sell my other crypto currencies, or transfer cash to my account to offset the negative {$3100.00} I am now being charged for crypto currencies that are not in my portfolio. 
I was assigned a ticket for this case. If you need that number please let me know. 
Thank you in advance for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax fails to remove the XXXX XXXX XXXX XXXX account. Equifax reports incorrectly the date of first delinquency for removal. Equifax reports incorrectly that this account is scheduled to continue on my report past the statutory limits of the other major CRA 's even though I received a XXXX XXXX XXXX XXXX Cancellation of Debt from XXXX XXXX XXXX XXXX. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Usaa. Debt collection tactics with XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation