BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
on. for 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 XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX 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. 

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.

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 2023-11-09
Company: FORD MOTOR CREDIT CO.
State: CA
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 do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX, FMC-OMAHA SERVICE CT XXXX and XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Cedars Business Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been receiving harrasing calls all different times of the day, constantly during my work day and have asked them to stop. 
They even went as far as to contact my young son, who lives with his father in another state and caused them worry and stress, because someone called them and said they were looking for me. 

I signed up for a XXXX with XXXX XXXX out of XXXX. 
They fill the room and sell people programs. 
I was immediately financially affected by the fires in California and could not reach anyone to cancel. No local phone numbers or contact information was provided. 

I never, ever participated in any calls or events afterward, never recieved any information, value or any products from this company. 

I want then to stop. 

Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, 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:
They charging me for a mortgage thats already paid for thought my trust account. I signed paperwork with XXXX XXXX  not with a 3rd party debt collection company name thats on my credit is XXXX  I never signed with them.. They dont have the original documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: Affirm Holdings, Inc
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last week of XXXXXXXX XXXX  my XXXX and I were finalizing paperwork in order to close on our first home. During that week we went to XXXX XXXX XXXX ( XXXX ) and purchased a refrigerator online and though AFFIRM Financing. Delivery date was to be on Saturday, XX/XX/2022. Several days later we called local lowes her in XXXX Oklahoma to cancel order for we found another refrigerator from a different competitor. On XX/XX/XXXX around XXXX I recieved a call from XXXX XXXX that they were enroute to deliver refrigerator!! I told them that the order had been cancel, I also explained that the residence was vacant due to delayed Closing on house and that we had bought another refrigerator elsewhere. Delivery driver stated that they would take care of it. 
About 45 days later now in late Month of XXXX I started receiving calls from AFFIRM Financing regarding missed payment for loan. I explained to them we did NOT receive product and explain to them the above situation that happen. I filed a formal complaint with AFFIRM in XXXX where they stated they will reach out to me in 3 to 5 days and it may take several weeks for them to investigate. I heard nothing from them only have them close out case with NO response. I submitted documents at their request as well. They continued to several times a month at each time I filed complaint for them to investigate. Each time they closed case without follow up. They told me to work with XXXX to find out problem. XXXX only told me to work with Affirm. I have been to XXXX several times to retrieve whatever documents they had of delivery. They stated from there end that Product was DELIVERED!! When I ask for signature confirmation, they had none and stated the delivery service was a sub-contractor. 
After much frustration I was finally able to talk to a XXXX at AFFIRM in late XX/XX/2022. Take also into account Affirm had already reported to Credit Agency and placed collection with credit Agency. The XXXX stated he would expedite the case and have decision. He closed this case in short time 36 hours when he stated investigation would take 15 days. 
I am being forced to take on a Debt for item I NEVER received and little help has been made to rectify this. There is NO sign confirmation of delivery nor item of delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Inaccurate information is reporting on my credit. Transunion, XXXX and XXXX are reporting different information about the same account According the FCRA and account should report accurate information like payment status, last day of activity. 

I have disputed several times with the credit bureaus the FCRA VIOLATIONS but they do not update ANYTHING

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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally XXXX. Please take an action with this innacurrate 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 2020-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
So I went to purchase a phone from someone in person, I sent them a payment through XXXX and the returned the payment because they wanted me to pay them in cash apparently, so I did just that. After paying them in cash, a few days later the XXXX they refunded me was taken out my account in form of an XXXX, but I didn't know the transaction was still going through because I thought she refunded it but apparently I was wrong, and so I asked XXXX to reverse the transaction and they told me they weren't able to and only my bank would be able to and so I asked my bank and they gave me the same response and to ask XXXX and they sent me back and forth literally XXXX times just for neither of them to be able to get my money back and for the lady to continue to say she didn't receive no money even though XXXX is saying she did.

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 2020-04-06
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I qualify under Federal Guidelines for a PPP loan as a XXXX XXXX. However, I am unable to apply for a PPP loan at my bank [ Suntrust ] because i don't have a " Business Account '' with them, even though I have been a Suntrust Customer in good standing for many years and currently have several Bank accounts as well as a Credit Card and Mortgage with the Company. Over a year ago i was advised by my Suntrust Account Manager when i inquired about a Business account that my business didn't really have a need for the services that provided. But now i am being denied the ability to apply for a loan that i very clearly qualify for because i don't have an account that i was ADVISED NOT TO GET. This is money i qualify and that my business Desperately needs. This is VERY frustrating as i don't know where else to turn to apply for this loan.

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 2023-10-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I requested validation from equifax, XXXX XXXX XXXX that my mortgage payment was late for the month of XXXX as well as the day they claim it was reported. None of the XXXX bureaus provided me with proof of a late payment nor did they provide me with the actual date the derogatory was published. Instead they sent me a copy of my credit report to review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reviewed my credit report and the accounts that I have forwarded for verification have not yet been verified, please verify these accounts XXXX XXXX Balance : {$470.00} XXXX  XXXX Balance : {$1200.00} XXXX XXXX Balance : {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Statewide Credit Services Corp.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received several calls from XXXX XXXX. XXXX from Schwartz and Schwartz & Assoc. I inquired about the concern. I explained that I did not receive letters and asked for the address on file. They had the wrong address. XXXX XXXX stating I owed funds from when my daughter attended school. I told her that was not accurate and I asked if I could call her back after speaking with Mr , XXXX XXXX. During the four days attempting to get in contact with Mr. XXXX, XXXX XXXX called several times during the work day. I repeated told her I was attempting to get in contact with Mr. XXXX. Ms. XXXX continued to threaten reporting this debt to the credit agency. I told her that I was in the home buying process and will correct this error. I continued to receive calls a day later. I finally called the office and asked for a different person on my case as she was harassing me via email and phone.

Almost two days later, I told the Mr. XXXX XXXX I did not own that amount of money and would gather the evidence to prove that I did not owe the money. He stated that it was no longer in hands. I told him that I personally paid him in for my daughters tuition and that he did submit most of it right away. I remined him that I called in the Summer to ask that he make the corrections as well as there was still a balance. He acknowledged that I did pay him ; however, he stated it was out of his hands. I asked him for the name and number of the Business office manager. He refused and stated he would not provide me with that information. I again stated that I paid him, and he yelled at me and hung up on me.

Immediately after my call with Mr. XXXX, I reached out to the collection agency ( XXXX XXXX. XXXX , Schwartz , Schwartz & Assoc . XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX LIC. # XXXX ) and told them the I did not owe {$1400.00}. They called me several times and kept threating my credit report- this happened in one week. I asked them to allow me until next Thursday to gather the necessary information to prove that I paid all bills and that my daughter was only in school for 4 1/ months. A few days later my credit report showed I owed the balance of {$1400.00}. This lowered my score and prevented me from moving forward with a mortgage loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: U.S. BANCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or about XXXX, XXXX, XXXX my debit card ending # XXXX was used to make unauthorized purchases and withdrawals in the amount of XXXX $ I submitted a fraud complaint case ( # XXXX ) XX/XX/XXXX ; while detained in a Pennsylvania XXXX XXXX XXXX Once released on XX/XX/XXXX I was able to formally inform the fraud department by phone numerous occasions and was directed to wait the mandatory XXXX day review period which ended on XX/XX/XXXX. I subsequently forwarded more evidence i.e. Police Report, POA, to rebut the first Denial to no avail. I contacted the fraud department numerous times from XXXX XXXX XXXX, XXXX under the impression that a second claim was initiated by following instructions given by a fraud agent during a phone conversation on or about XX/XX/XXXX. Their terms and conditions don't explicitly state the prerequisites on how to initiate a second fraud claim nor was I explained that internal due process. I deem my consumer rights have been denied by this lack luster administrative 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 2020-04-06
Company: EQUIFAX, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
THE XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 has reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On or around XX/XX/XXXX, USAA abruptly closed my checking account. I was alarmed when I couldn't login to either phone app or web browser. I tried multiple times and then noticed the vague bubble popping up and fading stating that for security reasons, my account has been closed. I then contacted USAA. After a 35 minute hold awaiting the reason for not being able to access my account, the lady stated okay Sir, the reasons your account has been closed is because we at USAA have implemented a new policy and that policy gives USAA the right to use the option of closing your account. I asked, for what? She then stated because of a XXXX background XXXX charge on your account. I was so confused because I had been a member of USAA for 5 years now. I was lost for words and she then said thank you for your Service and for banking with USAA for 5 years is there anything else I can help you with? I said wow, really? What about my insurance? I have rental and car insurance. I just obtained a new policy. Well, I'm unsure about that let me transfer you to that department. The lady with the Auto insurance stated that my insurance policies were current and not cancellation was in place. Well, 2 weeks later, I received a letter stating my insurance policies were then closed immediately. I not only lost the money I just paid for my current month, but I did not have any access to my money to obtain new insurance. After I did find the best quote it is now {$65.00} more a month with less coverage. My rights and benefits as a veteran was snatched away because they decided to act on a new policy. 
It has caused me nothing but XXXX XXXX  as a veteran with XXXX and sleepless nights. This has caused me a loss in finances and so much more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating The United States Bankruptcy Court does not report any information to the credit bureaus. So if that is the case, how did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 2020-04-06
Company: Atlanticus Services Corporation
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I mailed my payment to Emerge early a bill I mailed on the same day was cashed on the XX/XX/XXXX my Emerge bill wasnt due until the XX/XX/XXXX of the next month. They held the check and didnt cash it until the XX/XX/XXXX. They charged me a {$19.00} dollar fee on XX/XX/XXXX and negatively impacted my credit. I wrote them a letter and disputed the charge. I received a letter back today dated XX/XX/20 from XXXX # XXXX refusing to correct fraudulent charge. 

Emerge XXXX XXXX XXXX XXXX, GA. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation