BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any accounts which was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.XXXX XXXXXXXX Date Opened : XX/XX/2015 Balance : {$5700.00}, XXXX XXXX Date XXXX : XX/XX/2015 Balance : {$5800.00}

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 2022-09-29
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I was sent an email XXXX and they had a ton of accredited attachments below like ( XXXX  ) they had even sent me documents for this loan which is 2000 $ I talked to them on the phone XXXX ( XXXX ) XXXX everything was fine till I signed it sent them my information and etc. They now wont answer my email or calls and they texted me I told them I needed confirmation on this being a real loan company they said to contact my lawyer.

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 2023-01-27
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: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few accounts to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2020-10-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX Account Number XXXX XXXX XXXX XXXX   Account Number XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I have submitted the complaint in the mail with supporting documents through USPS tracking # XXXX XXXX XXXX XXXX XXXX XXXX and i want to submit online to get the status.

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 2022-10-22
Company: EQUIFAX, INC.
State: CA
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 the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX - ACCT # XXXX DEPT OF ED/XXXX- ACCT # XXXX DEPT OF ED/XXXX  - ACCT # XXXX DEPT OF ED/XXXX  - ACCT # XXXX DEPT OF ED/XXXX  - ACCT # XXXX DEPT OF ED/XXXX  - ACCT # XXXX DEPT OF ED/XXXX  - ACCT # XXXX DEPT OF ED/XXXX  - ACCT # XXXX DEPT OF ED/XXXX  - ACCT # XXXX XXXX- ACCT # XXXX XXXX - ACCT # XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A subsection 2 further states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states that 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 the records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: NC
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 XXXXXXXX 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 2022-10-22
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have filed disputes in regards to the incorrect info on my credit report. It has been well over 30 days and I havent received my investigation results.

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 2022-08-02
Company: EQUIFAX, 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 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 XXXX has me at a score around XXXX. 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 XXXX 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 XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have 3 Personal Plus Parent loans for both my XXXX  XXXX, and XXXX  XXXX. 
XXXX went to XXXX XXXX  for one year. XXXX went to both XXXX XXXX and XXXX. 
Navient shows interest that is twice the original loan amount. I have been on Unemployment for 2 years and not able to pay. 
I am looking for forgiveness under the American Rescue Plan of all the loans. 

Please advise. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
PRA never sent a fraud/identity theft affidavit as they stated on XX/XX/XXXX as they stated on their response to complaint # XXXX.The accounts mentioned on their response i have no knowledge of and they have failed to provide adequate debt verification. PRA is reporting fraudulent accounts under my name to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
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:
XXXX XXXX XXXX is reporting an inaccurate repossession on my credit reports. 

I have been disputing this account with each credit for some time, they are reporting inaccurate and inconsistent information on my reports. Each bureau is reporting this account as closed and derogatory but are reporting a monthly payment of {$940.00}. 

If this account was closed due to being repossessed, how is it that they are able to report a monthly payment? Per the FCRA, it is illegal to report inaccurate information on a consumers reports. I am demanding that this account is deleted as my rights have been violated as a consumer to have the right of accurate accounts on my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: CITYWORTH MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I reached out to a mortgage company to help purchase a home. I was preapproved and told we were good. During the process they convinced me and helped me sell my home. Once my home was sold and closing was close I was told they were having trouble getting me approved. I explained I no longer have a home because they sold mine. They explained to just wait and they would get me my new home. During that week while I worried about where to live my loan officer ignored my calls and messages. once I called from my daughters phone he suddenly answered. I paid appraisal fee and inspection fee and XXXX towards new home. The day of closing I still had no news and had to start looking for somewhere to rent. I constantly reached out with my fears and concerns but was told to just wait. I ended up having to sign a lease and move to an apartment and called to stop the loan process. I was told that my XXXX would be refunded to me. Now I am told the seller in entitled. Mine and my sons health was affected by the stress of this ordeal and the fear of being homeless. I did most of the leg work for the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
As per FCRA : Courts do not furnish Bankruptcy information to CRAs directly..nor do Filing Attorneys.. 

So they must be put on the Reports by the CRAs from public record without authorization from the Consumer, Courts, or the Filing Attorneys. 

With that truth..then are CRAs only able to report information/creditors to a consumers report ONLY if it is furnished to them directly from the creditor/furnisher? In this case : Courts and or Filing Attorneys. 

If TRUE..then my Chapter XXXX will be removed now. Although we are approaching the 10 year mark..it was not DIRECTLY furnished to the CRAs for reporting.

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 2021-08-03
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
The XXXX XXXX XXXX XXXX IL charged me {$1500.00} without authorization, will not and have not provided a bill for the {$1500.00}. Also, the {$1500.00} amount does not show as a payment on any of XXXX XXXX XXXX accounting records provide to me. 

I filled a dispute with Discover Card and they investigated it, the XXXX XXXX XXXX did not provide authorization proof or bill showing what the charge was for to Discover Card. Later Discover Card told me over the phone that, I waited to long to file a dispute and they could not get the money back from the vendor so, Discover was not going to cover the cost of repaying me the fraudulent charge. 

The charge occurred on XX/XX/XXXX and I filed the dispute on XX/XX/XXXX. Discover Card validated the XXXX XXXX XXXX fraudulent charge on XX/XX/XXXX, telling me that the XXXX XXXX XXXX had informed them it was a valid charge without providing any proof. 

In addition, Discover Card informed me that I could file a dispute up to 5 years from the charge and I filed 9 month after the charge was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have already filed a complaint Id XXXX. It shows Mr Cooper Responded and the status is closed. Upon checking with the County tax collector, the taxes have still not been paid. There is no correspondence, fax, or contact with them at all from Mr Cooper. I would like to follow up with this complaint. I am getting nowhere with them. The next tax season is coming up and I'd like to clear this up before a bigger mess is created. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had confirmed a reservation with XXXX XXXX on XX/XX/XXXX XXXX total I paid XXXX. On XX/XX/XXXX, I received a email stating my reservation had been cancelled due to Coronavirus pandemic. They told me I had to call my bank to get the total of my money back. The bank told me it takes 90 days for them to investigate the claim, 90 days was up and I received a letter telling me they had denied my case. And I had to go to XXXX to get my money. I had talked to a supervisor at XXXX, and they said I had to go to my bank. They keep giving me the run around and here it's XXXX and I still haven't received my money. And I need the money to pay bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sold a XXXX channel by using a famous trusted escrow service of XXXX. They transferred the payment ( XXXX XXXX ) to my paypal account. The amount has credited in XX/XX/2023 and paypal said that will automatically withdraw to my bank account. Next day they asked to verify my identity and verified using my voter id card. After they reviewed my information they said they permanently blocked my account and my money is in hold for 180 days. They are not specifically saying what is the reason and not giving a chance to solve the issue if I did anything wrong. I contacted them through there message sender and they replied only that they are blocked the account permanently and hold the money for 180 days. I sold the XXXX XXXX  legally then what right paypal have to hold my money?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been trying several ways to reach this creditor claiming I owe a debt to a card opened with a XXXX. The account reads as follows on my consumer report ... COMENITYCB/XXXX This is a fraudulent account and I have never had any dealings with this creditor. 
By reporting this inaccurate fraudulent information on my consumer report to the credit bureaus this is not only unvalidated, unverified a d fraud bit I my consumer rights have been violation in many ways and litigation will be pursued concerning this matter if it persists and remains reported

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: LJ Ross Associates
State: OH
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 a inaccurate account for utitities on my credit report. The account is L.J. Ross & Associates. This is inaccurate because I was XXXX for XXXX XXXX military. My orders are attached

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: EQUIFAX, INC.
State: IN
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:
Multiple FCRA violations and discrepancies on both XXXX  and Equifax from XXXX XXXX from account XXXX # XXXX XXXX. 
( High credit amount is inaccurate ) Amount on payment history statement is {$8700.00}. Amount on credit reports is {$6100.00}? Please see statement in upload. 
( Illegal re-aging ) Statement shows first date of delinquency is XXXX. No payment made and was first 30 day late. Account is older than 7 years since date of first delinquency. 
( Account type ), ( Account status ), ( Last reported ), ( Comments ), ( Date last active ), and ( Date of last payment ), All read different and are inaccurate, between XXXX, and Equifax reports. Please see uploaded reports! XXXX  has already deleted due to these same inaccurate items. ( Delete immediately from XXXX and Equifax! )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: CCF Intermediate Holdings LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I got a notification that I had a collection account on my credit report and it was from XXXX XXXX XXXX with Cash Central. This account was included in my bankruptcy in XX/XX/XXXX. I called Cash Central XX/XX/XXXX and they verified that this account was in my bankruptcy and I would need to speak with XXXX XXXX XXXX. 
They have been harassing me with phone calls and threatening to take me to court even though this account was taken care of. I called XXXX XX/XX/XXXX and was told this was in XX/XX/XXXX when that information isn't correct. I have the letter from Cash Central that I will attach to this claim.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, 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:
This is my 2nd attempt that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below in my personal file : 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 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 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation