BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: NV
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:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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:
I did not give PORTFOLIO RECOVERY ASSOCIATES LLC the permission to furnish information on my consumer report non consent is identity theft. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

PORTFOLIO RECOVERY denied any inaccuracies but after further investigation I can confirm they are reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give PORTFOLIO RECOVERY permission which is another violation. 

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I never signed an agreement to enter into a credit transaction with PORTFOLIO RECOVERY yet they have reported that I opened an account on two different dates because my consumer report is incorrectly showing two different dates violating me even further. 

My complaint is also with two bureaus XXXX, and XXXX who are allowing PORTFOLIO RECOVERY to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX or XXXX, permission which is another violation on their behalf. Not only did I not give permission to furnish this information on my consumer report, the information is also incorrect which is a violation under 15 USC 1681b for those two violations under FCRA I am seeking {$2000.00} from each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been paying off my loan for over 4 years. The initial disbersement was at {$20000.00} with 10.64 interest rate in XXXX of XXXX, I occurred {$4000.00} of interest from the before making my first payment in XXXX, Ive been paying $ 325+ a  month which works out to more than {$15000.00}. The total amount I still owe on the loan is over {$17000.00}. I just spoke with a rep who said he would escalate the issue since the math doesnt work out. I have also been denied a co-signer release due to my credit score, but most of the money spent on my credit cards in collections was to pay off this exorbitant, overcharged loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: GOLDMAN SACHS BANK USA
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was transferring all of my cash out of my Marcus Savings account on XXXX. I received a call from a representative from their fraud department asking me to validate transactions from over 2 months prior. I validated the transactions. They then said they needed to lock my account until they could validate that external accounts I transferred cash to over 3 months ago belonged to me ( despite me validating the transactions as legitimate ). I had already validated these bank accounts too through trial deposits. 

My husband is currently experiencing a similar situations with Marcus -- it seems as though they retaliate against customers who are trying to move funds out of the bank - trying to validate a now closed bank account because I transferred cash to that account 3+ months ago and freezing my account as a result is ridiculous. 

I am hopeful that you can assist with getting my account unfrozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XX/XX/2019 I was at my local BoA branch ( XXXX, PA XXXX doing some personal banking when teller asked me to talk to Relationship Manager about some offers linked to my account. I agreed to talk and was told that there is an offer for me for opening business checking account. XXXX XXXX showed me the offer and asked if I am interested. The offer was for {$500.00} signup bonus when I open Business Fundamental checking account by XX/XX/XXXX and make qualifying deposits of at least {$20000.00} and 10 electronic payments within first 60 days of account opening. 
I agreed to open the account and transfer funds from my other banks. Within 60 days I met the requirements and expected {$500.00} to be deposited to my account. On XX/XX/XXXX I stopped again by my local branch to see why I was never credited with signup bonus. The person I talked to told me to call BoA Customer Service to inquire about the bonus. I spent almost an hour on a phone talking to someone but the person could not help me because she wasnt able to see that my business account was linked to any offers. She advised me to go back to local branch and talk to branch manager to see why the account that I opened by being solicited by bank employee did not have proper bonus offer attached. Without any success resolving the issue with my local branch I ended up calling back BoA Small business services line and submitted escalation request to review this issue. PROMO CODE : XXXX, Order # : XXXX. I talked to XXXX XXXX from XXXX office. I was promised to have a resolution within 10 days. I called back again in XXXX and was told that the process could take up to 60 days. 
I called back on XX/XX/XXXX and was told that they are still reviewing the case. At this point I had enough, BoA is purposely dragging the process hoping that I would just give up. 

It's XXXX now and over 6 months since I opened the account and I still have not received either signup bonus or any resolution to my inquiry. Bank of America has misled me from the first time they solicited me to open an account and through out the entire process of complaint resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Was not notified of investigation status or results

Complaint:
Yes I file a Frad case on my credit card with usaa but now they are trying to call me and leave me a voice mail that i could barely understand, not sure what the calling is about but it's stressing me out since i work 2 jobs and once i got the voice mail i could barely clearly hear anything, i think it would be more understanding if i gotten a letter in the mail instead to be more save.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 looking through my XXXX  XXXX  I notice I have Dept Of Ed/XXXX  that I owe however I was told they would put all of my cases into ONE BIG CASE which has yet to be done. I am trying to pay off the bill they said they would work with me and lower the price owed and make one set payment and not 8 different separate cases. So I am looking for this to be fixed on my credit report. Any questions feel free to call me.

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 2019-01-02
Company: TMX Finance LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I borrowed XXXX was supposed to be charged XXXX to pay back I been paying XXXX a month to renew agreement the balance stays the same until I have the whole XXXX the XXXX is just they money to keep its killing me it's not fair nothing comes off unless I have the whole XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: JPMORGAN CHASE & CO.
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:
usc 1681 section 602 states I have the right to privacy usc 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instruction us code s 1681a definitions rules of construction exclusions : except as provided in paragraph the term consumer report does not include any report containing information solely as to transaction or experience between the consumer and the person making the report usc 1666b - a creditor may not treat a payment on a credit card account under an open-end consumer credit card account as late for the purpose Chase credit card, XXXX XXXX XXXX late fees

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am disputing a credit issue related to my XXXX XXXX  Account. The account was initially set up for recurring payments of {$2400.00}, but on XX/XX/2023, XXXX issued a new payment amount of {$2400.00}, which resulted in the cancellation of the previous recurring payment. Unfortunately, the new payment was rejected by XXXXXXXX XXXX  payment system, causing two delinquent payments- one in XXXX and one in XXXX of 2023 - for the amount of {$2400.00}. 

Despite XXXXXXXX XXXX customer representative XXXX 's confirmation that delinquency notices were mailed to my property address, I did not receive any notices and suspect that they may have been misplaced, as this is a common occurrence in my building. 

I have a long history of consistent and timely payments to the mortgage holder, with no late payments and additional principal payments. I strongly believe that the delinquency related to this mortgage account is the result of technological errors and the United States Postal Service. 

I am kindly requesting that the credit reporting agencies waive the delinquency notice associated with my mortgage account, as it was not a result of any negligence on my part. I am confident that upon review, the credit bureaus will recognize my track record of responsible and timely payments, and that the delinquency was a result of unforeseeable circumstances. 

I would greatly appreciate your cooperation in resolving this matter, and look forward to your response. Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE 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:
There is an account through XXXX Bank showing on my credit file as a charged-off account I have called this company to find out what this is and they do not have anything in their data base with my information. I have disputed this and still this company list this inaccurate data on my credit file. Please 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 2021-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
ALLOWED COMPANIES TO SUBMIT INFORMATION THAT WAS NOT AUTHORIZED BY MYSELF ALLOWED COMPANIES TO PAY FOR INFORMATION ABOUT MYSELF WITHOUT MY CONSENT FOR A PROFIT NEVER CONTACTED ME TO VERIFY THAT I GAVE PERMISSION TO THESE COMPANIES TO GATHER DATA ABOUT ME DID NOT VERIFY THAT I WAS AWARE OF WHO THESE COMPANIES WERE ( ARE ) SELLING MY DATA WITHOUT MY PERMISSION AND CONSENT REACHING OUT TO OUTSIDE COMPANIES IN AN ATTEMPT TO OBTAIN INFORMATION ABOUT ME WITH OUT MY CONSENT FOR A PROFIT TO REPRESENT ANOTHER COMPANY THAT PAID THEM

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 2023-08-25
Company: EQUIFAX, INC.
State: TX
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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: STATE EMPLOYEES CREDIT UNION
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:
Upon reviewing my credit profile on XXXX, I discovered a discrepancy with an account listed under State Employees Credit U. I immediately requested validation for this account, as I had no recollection of opening it. Subsequently, I reviewed my credit report again on XX/XX/, and to my disappointment, the account still appeared on my credit report. Despite sending a second validation request on this day, I have not received any correspondence from the creditor validating that this account is rightfully mine. 

As of today XXXX, there have been no updates to my credit report, and the disputed account is still having an adverse impact on my credit score. I strongly believe that the account in question does not belong to me, and that the creditor does not have any authorization to access or collect on it. 

Therefore, I kindly request that the credit bureaus remove this account from my credit report until adequate validation has been provided, proving that the account belongs to me and all the information is accurate. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: TX
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:
I have sent several letters to Equifax about a negative report that is showing up in my credit profile. I am not going to allow Equifax to continue to violate my rights under law 15 USCa ( 2 ) ( b ). They have not yet provided me with anything I have asked for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The company that threaten to sue me is called XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX. They threaten to take me to court if i did not pay for an auto loan that was repo in 2018. The company that I have gotten the loan from is Santander based in Texas. I just gotten a letter in the mail stating that Santander has been sued by New York State for wrongfully over charging people interest on their loans. This was sent to me by the State District Attorney. I wanted to know if I have to still pay the loan back if the loan was illegal in the first place in the State of New York?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: NY
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:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Requested a letter via mail, they refused and will only send via email which i do not feel comfortable using. I have told both associates and their supervisior that i need a letter first, also i am currently unemployed and can not pay. I have said i would love to settle but i have no income and have moved home with my family. They then told me to borrow from my family or borrow against my parents house. This is unprofessional and will not stop calling. They use very unprofessional and abusive language and will not stop! They say i am incompetent and i don't want to settle this matter which is untrue.

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 2021-08-14
Company: BAM Management US Holdings Inc.
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On the XXXX i did wire transfer to my Binance.US account, i got notification of the successful deposit the next day, for me to login they disabled my account with the money there Its 3 weeks plus Ive contacted the customer support but they all dead no one is even replying my ticket on what to do very frustrating

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: NY
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: MI
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:
I am the consumer filing this report please do not close without completion. Here are a list of violations on my credit report : USC 1681 SEC 602 ( A ) states that you have no permissible purpose by law to contact third parties with my personal information. " I have a right to privacy ''! You offenses amount to aggravated identity theft pursuant to 18 USC 1028 ( A ). You have knowingly transferred, possessed, or used w/o lawful auth, a means identification of me, which is a felony punishable up to two years of imprisonment, in addition to civil liability. This agency is in violation of 15 USC 1692G. They were to notify me of this in writing five days prior to and I was not. As the original creditor only I can validate the debt and i did not validate this debt. Therefore the following accounts must be deleted from my report. Failure to respond with deletion will result in {$1000.00} per violation for ; Defamation of character, fdcpa, 15 USC1692G, 15 USC 1681N, and negligent enablement of identity fraud.

Company response to consumer: Closed with explanation