BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2021-06-14
Company: CCS Financial Services, Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Every time I make a payment American Express forces me to verify the funds by calling my bank and reviewing my private info by forcing me to call my bank. I feel violated. Its been going on for over 6 months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
The following accounts are fraudulent and do not belong to me. I demand immediate removal.

1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately.

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original document and wet signature If you can't provide these items Delete them.

I have attached a copy of my FTC REPORT for all 3 bureaus.

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 2021-09-30
Company: Bridgecrest Acceptance Corporation
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 requested items on my credit report are investigated and please send me results in 30 days, This investigation took well over 30 days as I am still waiting results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2023 Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Failure to Respond within Requested Timeframe Dear Equifax, I hope this letter finds you well. I am writing to express my disappointment and concern regarding your failure to respond to my previous letter, dated XX/XX/2023, within the requested timeframe of 30 days. As a result, I am left with no choice but to proceed with legal action against Equifax. 

Despite providing ample time and opportunity for Equifax to address the inaccuracies on my credit report and offer fair compensation for the damages incurred, I have received no response or acknowledgment of my concerns. This lack of communication and failure to rectify the situation has only exacerbated my frustration and the harm caused by Equifax 's actions. 

I want to reiterate the seriousness of the situation and the potential legal consequences that Equifax may face because of its non-compliance with the Fair Credit Reporting Act ( FCRA ). By neglecting to respond within the requested timeframe, Equifax has demonstrated a disregard for its legal obligations and a failure to provide the necessary resolution to this matter. 

I am left with no other alternative but to engage legal counsel and pursue legal action against Equifax to seek the remedies I am entitled to under the FCRA. This includes compensation for damages, legal fees, and any other relief that the court deems appropriate. 

Equifax 's lack of response has only further damaged my financial reputation and caused emotional distress. I implore Equifax to take immediate action to address this issue and prevent the need for further legal escalation. 

I expect a written response from Equifax within 10 business days from the date of this letter. This response should provide an explanation for the failure to respond within the initial requested timeframe, a clear plan to rectify the inaccuracies on my credit report, and a fair and reasonable offer for compensation for the damages incurred. 

Please be aware that any further delay or lack of response from Equifax will only strengthen my resolve to pursue legal action and seek the full extent of the remedies available to me under the law. 

Thank you for your immediate attention to this matter. I hope that Equifax will take this final opportunity to rectify the situation promptly and avoid the need for further legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
we have been banking with TD bank about 20 years. on XX/XX/22 our rent check was stolen and cashed at XXXX of the TD bank branches. they changed date, amount ( {$960.00} ) and forged the signature and cashed. when we found out, we immediatelly call and went to see the banker in person. I was told that we would get money back in XXXX weeks. and they asured us the new check we sent out to our landlord will be clear. only to find out that it was bounced and we were charged a late fee. we had set up automatic credit card payment as well, but beause of this we were chareged hundreds of dollars in returnd payment and late fee. ( Im never late on payment and pay in full each month. ) it's been a month and a half, no money, no updates from the bank. Please help up get {$960.00} back. hopefully some of the return check and late fees as well. thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have been trying to speak with TD Bank agent to pay off a HELOC. I can not get a live person or agent to work wtih to execute the payoff. I called several 1800 # s and never get an agent- even waiting 45 minutes plus routinely within one day. I called a local branch for service and was advised the only way I can payoff the loan is using the 1800 customer service phone numbers. 

TD Bank XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
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: Account status incorrect

Complaint:
XXXX XXXX and Account as is reported as having a late payment my credit report : XXXX. XXXX XXXX XXXXXXXX, Credit Card, Account Number : XXXX, XX/XX/XXXX XXXX. XXXX XXXX, Cell Phone, Account Number : XXXX, XX/XX/XXXX I am demanding that these accounts be updated to Paid as Agreed and Never Late.

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 2023-02-28
Company: EQUIFAX, INC.
State: CO
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EdFinancial Services
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Edfinancial Services has been unable to provide verification of my previous request for a loan refund or provide a consistent timeline for my refund to be processed. I spoke with a representative for EdFinancial via phone call initially to place a request for refund. I was verbally assured that my refund request had been submitted, however the representative was unable to provide me with a concrete timeline for processing ( she said it could be XXXX months or more due to the increased number of requests ). I followed up via virtual chat with a rep named XXXX today XX/XX/22, and I have attached screenshots in which she refuses to provide verification or provide me access to my refund request and is unable to provide an estimated timeline for my refund request to process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
XX/XX/2023, I applied for auto financing online. XXXX XXXX XXXX Santander Consumer USA XXXX was the only lender that replied that I had been pre-approved for {$40000.00} auto financing. They told me to pick a XXXX dealer, which I picked the hometown dealer, XXXX XXXX. I communicated with a salesperson and told him I would be at the dealership on XX/XX/2023. I had chosen a vehicle within the pre-approved price range and we proceeded with the application. Many lenders ran my aplication and I was denied by every one of them, unless I was to put XXXX XXXX downpayment. 
This amounts to numerous Federal Truth In Lending and Equal Credit Oportunity Act violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I, XXXX XXXX, am in New York, XXXX. I found this website ( XXXX which seems to be an authorized dealership in the XXXX ) couple weeks ago, and I got interested in one of their trucks ( ref XXXX ). I bought it on XX/XX/2023, after the collection of the funds, I havent received any meaningful updates. I was first told that the truck will be shipped on XX/XX/2023 and that I was going to get my XXXX  and some dismantled parts shipped to my location in New York even though the truck is going to XXXX port, after saying that, there has been a very scary and troubling silence as I didnt receive any XXXX  nor other updates about the shipping. I tried to talk to my usual interlocutor and other possible contacts on the website but nothing was possible. I feel betrayed, scammed at this point. My bank failed to caution me on any risks, not even the size of the money $ XXXX, they also failed to act fast enough when I told them that I was defrauded, the beneficiary bank has clearly acted as a complice in the process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently reviewed a copy of my XXXX credit reports from all three bureaus and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order. The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. I am requesting that these bureaus remove these unauthorized inquires from my credit profiles as they are not authorized inquiries by me, nor are they linked to any of my accounts. 

XXXX : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX 
Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX : XXXX XXXX, XXXX Inquired On XX/XX/XXXX TRANSUNION : XXXX XXXX Inquired On XX/XX/XXXX XXXX Inquired On XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired On XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: RI
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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: AZ
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 attempted to request my credit score and report from the three major credit bureaus. Two of them are very problematic in how they make the information available to the consumer. 

XXXX- refuses to provide the credit score unless I pay for it. ( 1 ) They omit it from the credit report, and ( 2 ) provide a link to the XXXX which states that consumers may have to pay for a copy of a report related to mortgages, and they make the information appear as though it applies to all requests for credit reports, and ( 3 ) they provide an option to pay for my credit score and request my payment information but they never disclose up to this point how much they will charge for the score. In the small print on a subsequent page they say the fee is {$.00} which includes a 30-day credit monitoring subscription that renews at $ XXXX. They also state in the small print that it's not a FICO score, and that the score that you are purchasing is not one that lenders use. So it is an elaborate ploy to mis-direct consumers into purchasing credit monitoring at a cost of almost $ XXXX. 



Equifax - provides a visible credit score and report but it is impossible to print, download or save the report. It requires you to open multiple sections of the report separately, and save or print them separately. This is an unnecessary burden on consumers which has no valid basis or justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, 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 sent you a letter last XXXX XXXX, 2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay.

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