BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX whose is reporting a collection amount of {$1400.00} balance. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from Transunion, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.

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 2023-05-02
Company: The Receivable Management Services LLC
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: Account status incorrect

Complaint:
To Whom It May Concern, I am writing to assert my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and demand a thorough investigation and prompt removal of a collection account that is inaccurately reported on my credit report. Your immediate attention to this matter is required, as the collection agency has failed to provide original debt information from the original lender. 

The collection account in question is as follows : Creditor : Receivable Management Collection Account Number : XXXX XXXX XXXX XXXX XXXX The aforementioned collection account contains inaccurate information, and the collection agency has not furnished the necessary original debt information from the original lender. This lack of substantiation renders the account invalid and its presence on my credit report is causing significant harm to my financial well-being. 

Pursuant to the FCRA, I demand that you initiate an immediate and comprehensive investigation to verify the accuracy of this collection account. Should you fail to substantiate the validity of this account or correct the inaccurate information, I insist that you promptly delete the account from my credit report. 

In accordance with the FCRA, you have 30 days from the receipt of this letter to complete your investigation and provide me with the results in writing. If your investigation substantiates the inaccuracy of this collection account, you are legally obligated to remove the account from my credit report and notify me of the changes made. 

I expect your agency to fulfill its legal obligations under the FCRA without delay. Failure to do so may result in further legal action on my part.

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 2022-11-17
Company: Experian Information Solutions Inc.
State: PA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-09-15
Company: Experian Information Solutions Inc.
State: PA
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:
I noticed multiple inquiries on my credit report I do not recognize

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 2022-11-17
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Experian, XXXX XXXX, XXXX disputes were submitted regarding an account with XXXX Bank back in XXXX. I sent a letter directly to XXXX in XXXX I never received any response from the credit bureaus or XXXX. account reference # XXXX reflects a charged off account with a balance of {$2200.00}. This vehicle was sold back in 2019 I do not owe any balance nor is the account charged off. I have tried aimlessly to have this account correct to no avail.. no response has been received I need this account corrected as it is preventing me from obtaining my home 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 2023-05-02
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RDAC continues to violate my consumer rights. RDAC has been notified and invoiced for their violations of my consumer rights. They have been non-responsive and non-compliant to those identified violations. RDAC refuses to provide any contractual obligation to pay them. RDAC refuses to provide any prior consent from the consumer to communicate with third party financial institutions. RDAC has admitted being given permission by their client to communicate my personal and private information to creditor reporting agencies. RDAC has only provided statements and photos from their client that does not constitute an obligation to pay them anything. RDAC is liable to pay this invoice to the consumer under the Congressional law of the FCRA pursuant to 15 USC 1692k ( a ) ( 2 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a situation where my bank will not accept a deposit of a bill of legal tender even though I think they should. I have a single dollar bill that has been torn and missing a large portion. it is clearly more than 50 % of a bill and it's an odd shape so there really aren't any questions about that. The other piece of the bill, wherever it is, would definitely appear to be less than half a bill. 

I understand that businesses do not have to accept cash as the federal reserve has have discussed previously here : https : //www.federalreserve.gov/faqs/currency_12772.htm According to eCFR, I have 'unfit currency ' that a bank should exchange for me, but I do not have 'mutilated currency ' that would have to be sent back to the Dept. of the Treasury for service. 
https : //www.ecfr.gov/current/title-31/subtitle-B/chapter-I/part-100/subpart-B/section-100.5 I don't qualify to send this to the Treasury, and Chase bank won't accept it. 

I took my bill to the bank and tried to deposit it into my savings account or exchange it for a fresh dollar, but they wouldn't take it, stating that their policy is as follows : they only accept money where there is at least 3/4ths of a bill intact and where 1 full serial number and at least half of the second serial number are present. My dollar bill does not suit their definition. 

This bill is otherwise in pretty good condition. It is generally clean, barely folded, legible, of normal color, of normal density, etc. 

Here 's how I know this dollar bill is more than half a bill : * I folded another dollar bill up perfectly in half and put it behind my part of the bill. My bill completely covers that folded bill and extends beyond its border. 
* the shape of the tear on my valid but unfit bill is not even. It protrudes at one end so it's not even a close call. 
* if the other part of the bill ( or parts ) were found, they would clearly be less than half of a dollar bill. 

In 2012, Chase even went on the record saying they accept legal tender so long as there's more than half a bill in a public news article : XXXX XXXX XXXX I guess my question is, if my bank accepts cash deposits, do they have to accept all legal tender, or can they set restrictions such as my bank has done? I'm not trying to be difficult ( such as paying with XXXX XXXX XXXX ; this is a normal deposit ) or outrageous ( this is just a single dollar, not a large sum of money ), but I'm trying to understand the principles and policies that govern this situation. Should I appeal to them to accept my dollar anyway? Can you provide guidance on if they are allowed to limit the receipt of this dollar? Can you require them to update their policy? If not, what should I do to use this dollar? 

Thanks for considering this question. I know that it's not a very important issue, but maybe its weird details will be interesting to address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-17
Company: CREDIT ACCEPTANCE CORPORATION
State: DE
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was able to take a look at my consumer report. I have found that Credit Acceptance Corporations are using abusive, deceptive and unfair debt collection practices to collect on the alleged debt in reference. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). I extended credit to Credit Acceptance to obtain a vehicle. The vehicle which is subject to the transaction was used primarily for personal, family and household purposes. All extensions of credit are deferred under code 18 USC 891 ( 1 ). Credit Acceptance Corporation is engaged in extortion and racketeering activity by attempting to collect this debt under Title 18 Chapter 42. Failure to make the repayment of this alleged debt has resulted in the use of criminal means by causing harm to my reputation. My consumer report does not include a report containing information solely as to transactions or experiences, furnishing late payments are a violation of 15 USC 1681a ( d ) ( 2 ) ( i ). I never received adequate notice that sets for the pertinent facts for this consumer credit transaction which violates 15 USC 1602 ( k ). Credit Acceptance Corporation has benefited from my uninformed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880. I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated third parties such as XXXX, XXXX and XXXX pursuant to 15 USC 6802 ( b ) ( 1 ) ( B ). Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( 1 ) ( C ). Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. I am requesting documentary evidence specifically the book of account under 15 USC 44 to validate this alleged debt.

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 2023-05-02
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Numb # ), has violated several of my rights. 
1

5 U.S.C 1681 section 602 A. Clearly states that 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.

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 for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Experian Information Solutions Inc.
State: NC
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:
This account was disputed multiple times before but only come out as verified through all three credit bureaus. This account has errors from XXXX  saying its open but experian and XXXX  saying closed? Which one is it? This account needs to be deleted with all these inaccuracies.

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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am writing to formally file a complaint against XXXX, TRANSUNION, & XXXX, regarding a violation of my rights and the inaccurate information being reported on my consumer file. This inaccurate reporting has not only caused financial distress but has also had a severe impact on my mental wellbeing, resulting in XXXX for both myself and my family. 
I BELIVE XXXX, TRANSUNION, AND XXXX, has violated the Fair Credit Reporting Act ( FCRA ), specifically Section 611, which mandates that consumer reporting agencies maintain accurate and up-to-date information on consumer files. In reviewing my credit report, I have identified the following inaccuracies : These inaccuracies have had a significant and detrimental impact on my financial profile and my ability to secure credit, loan approvals, and reasonable interest rates. Despite repeated attempts to rectify these errors, I have not received a satisfactory resolution from XXXX, TRANSUNION, AND XXXX I would like to bring to your attention the profound impact that this situation has had on my mental health and the overall well-being of my household. The constant XXXX XXXX  and uncertainty caused by these inaccuracies have plunged my family into XXXX, affecting our quality of life and ability to function optimally. 

I kindly request the Consumer Financial Protection Bureau to immediately investigate this matter and take appropriate action against THEM. I believe that the inaccurate reporting and their failure to rectify the situation has not only violated my rights under the FCRA but has also caused significant harm to my household. 

Please find enclosed copies of supporting documents, and evidence of the impact on me and my family 's well being. I trust that the CFPB will act promptly and diligently to rectify this situation Thank you for your attention to this matter. I look forward to a swift resolution and justice being served.

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 2023-12-11
Company: Comerica
State: CT
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I had emergency XXXX on the XXXX of XXXX and came home a few days later. I had a girl that Cleaned my house once every XXXX weeks. She came and helped me with my bathing and cleaning. I received a message from my bank saying there was unusual use of my card. So I checked my account and there was many uses without my consent. I realized my wallet was missing. I got a hold of the bank and they took a report and told me what to do. 2 days later they sent me a letter stating that the card chip or something was checked and they declined me my funds. I spoke to XXXX different people about this at the bank and I got no where. I'm XXXX and XXXX yrs old. I count on my money to pay rent and utilities. Please help me to understand this. I also gave the bank the girls name that took it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-25
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I deposited the following checks at BMO Harris that were named out to me & a previous mortgage lender ( mistakenly addressed by my home insurance provider ) on XX/XX/2023 for Insurance payments to a 3rd party who did repairs on our house.

Check # 1 - {$5000.00} - Mobile Deposit Check # 2 - {$9500.00} - Mobile Deposit These checks are placed on hold because I deposited these checks with only my signature but they were addressed to myself and a previous mortgage lender I had no relationship with anymore.

I contacted the bank to figure out what needed to be done to release these funds so I could pay the 3rd party repair vendor & they explained I would need an affidavit signed by the other party on the check. Because I had no relationship with that mortgage lender at that time they would have no reason to sign those checks. I contacted that previous mortgage lender to be sure & they were not able to assist. I also contacted BMO Harris local bankers & their main support line over email to provide information on mailing the required affidavit & official procedure needed on the outside chance that previous lender could sign. I followed up three times with the bankers near my house by phone & twice to their general support email for affidavits. No response was ever given & no information ever provided. 

So they accepted these checks without the correct signatures & kept them on a hold until XX/XX/XXXX when I noticed there was a COE claim on both those checks.

I called weeks after that happened to find out what that meant & what were the steps to either reject those funds back to the insurance provider so correct checks could be made out or what that COE claim meant for more information. They explained to me they could tell me nothing repeatedly about what that claim meant.

The funds are now gone from the bank. No information provided by the bank & Im starting to receive fines from the city of XXXX for being on collections with the vendor who made the house repairs. 

I can provide screenshots of these checks when requested. 

Please assist in this situation. I have no idea what to do at this point. Nor the bank or insurance provider has been able to find a solution.

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 2023-06-25
Company: Experian Information Solutions 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 sent my letter off XX/XX/XXXX, XXXX told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 

According to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 XXXX have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting % 100 Accurate. According to the FRCA 15 USC 1681 everything has to be % 100 Accurate. I have the credit report showing the inaccuracies. 

COLLECTION- XXXX XXXX XXXX ACCOUNT TYPE- COLLECTION COLLECTION- XXXX XXXX XXXX ACCOUNT TYPE- COLLECTION PERSONAL LOANS- XXXX XXXX  XXXX ACCOUNT TYPE- UNSECURED

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