BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: FL
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, XXXX XXXX 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: IL
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 am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$18000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} 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 2023-09-13
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 non-monetary relief
Consumer complaint received 2021-12-17
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I submitted a check in the amount of {$100.00} and {$2700.00} to Chime Bank for mobile deposit. Chime accepted and deposited the check for {$100.00} and rejected the check for {$2700.00} and told me the system flagged the check as being deposited at another institution. I called to get the issue resolved and get the check cashed and the manager told me that the system flagged the check as altered. He explained to me that my mobile check deposit feature is now XXXX forever. He also told me that there is no way to fix the issue, and once this happens it is irreversible. I seems to me that I being profiled by Chime bank because of the amount of the check. I know the check was not cashed at another bank. But I do not know why Chime did not simply re-verify with the XXXX XXXX bank that the check was issued from. The check is ultimately from the Georgia Department of Revenue and is my back tax check. I do all my banking with Chime and they are making an effort to treat me unfairly because of my financial status. I know I do not normally have checks that large deposited into my account but that is not a reason to reject my state tax return and deny me from ever being able to use mobile checking again. This has caused me a lot of inconvenience because I pay all my bills through them. Now I have to set up another account, start all over, and run the risk of missing bill payments during the transition. It is unfair that online banks are able to do whatever they want simply because they do not have local offices ; their computer systems make decisions based on algorithms that are inherently biased towards the rich. Someone making a phone call to the check issuing institution would have quickly resolved this situation ; instead someone is making a final financial decision for me based on a computer mistake. I would appreciate if this type of situation comes to light and helps any of the other financially little guys like me. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: TD BANK US HOLDING COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Charged for XXXX XXXX XXXX XX/XX/XXXX that was cancelled XX/XX/XXXX. Submitted dispute XX/XX/XXXX stating premium care was cancelled and charge be reversed. Never received response on dispute in accordance with Reg Z. Billed {$1.00} Late fee on XXXX Statement and {$3.00} late fee on XXXX statement. Account was on autopay, but payment never taken.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Problem with personal statement of dispute

Complaint:
In XX/XX/2022, I inform all three credit bureaus ( XXXX, XXXX, and Trans Union of incorrect inquiries that were put on my credit report without my authorization. The agency never looked into the investigation and kept the inquiries on my credit file without my authorization, Nor do I have accounts with the inquiries in question. All of the inquiries that were made in XXXX are in accurate. I am working very hard on my credit to improve it and I have tried my best not to have any inquiries on my credit report that werent already there before XX/XX/2022. I did not authorize those inquiries in the month of XX/XX/2022 at all and It is a violation of my rights as a consumer to report inaccurate information. The agency did not take the time to investigate this matter and I am requesting validation with my signed signature that I authorize this information to be reporting on my credit file.

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 2022-12-07
Company: CREDIT ACCEPTANCE CORPORATION
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:
15 USC 1681 Section 602 States I Have The Right To Privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-10
Company: EQUIFAX, INC.
State: WA
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:
After looking at my consumer report, It appears to me that I am a victim of identity theft. There are collections, closed accounts, charge-offs, and inquiries that are fraudulently being reported. These accounts are indeed fraudulent, containing inaccurate information and multiple discrepancies that are being reported on my consumer report. In pursuant to 15 U.S.C 1681b the consumer reporting agencies never asked nor were they ever given my permission to furnish this information. I state I DID NOT give written consent to any of the consumer reporting agencies to do furnish any of this information. The consumer reporting agencies have assumed this vital role, and infringed my rights both personally and as a consumer. Pursuant to 15 U.S.C 1681 ( 4 ) My privacy has been invaded and damages have been done to my mental health by the added stress of such reports on my credit score that have been a total invasion of privacy and have prevented me from funding for housing purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit score and realized my score went down significantly from nearly perfect credit and I had no idea why. I then requested a credit report to see what happened and it said I had a collection from XXXX XXXX XXXX. On XX/XX/XXXX I called the number thats provided from the bureau. A man spoke with me from XXXX XXXX XXXX XXXX and I informed him that I never received any bills in the mail or any phone calls saying I owed anything so how was I supposed to know? He stated if I paid it my credit score would go back up once it was reported to the bureau. I paid it which was only {$110.00} dollars but I now have a collection on my record and my credit score never went back up and the collection is still there. I never received anything in the mail or any notice about this debt whatsoever I had to find out after the damage was already done. The worst part is I was told if I paid the {$110.00} it would get off my credit report but has yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I applied for a free credit report and Transunion asked for my debit card. It didn't make clear to me at all that they were charging me for a subscription and I was charged twice for services I had no idea I was purchasing. I was only made aware of the purchases when I got two receipts in my email.

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 2023-09-09
Company: U.S. BANCORP
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
A bogus merchant debited my account for {$32000.00}. 

US Bank claims I had a merchant contract and I did not with have such a contract and they failed to provide any documentation. 

I was told by business services that anybody to take money out of my account, using my account number, routing number, and name I was told by the fraud department that I was supposed to contact the merchant who was the perpetrator. 

I have been stonewalled department I have been robbed of all my money and they say they cant do anything about it. Im trying to work with my local branch, but corporate is doing absolutely nothing. 

Please help. U.S. Bank is telling me law-enforcement is my only recourse. At this point, Ive contacted the OCC, the FBI, the Colorado Bureau of Investigation, local law enforcement, the state, Attorney General I have not received a response and at this point I am going to engage in attorney to sue US bank for negligence, pain and suffering, legal fees court costs and of course the original amount. 

Please investigate this matter so that it never happens again.

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 2023-09-29
Company: EQUIFAX, 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:
am exercising my right under the FCRA ( 15 U.S.C. 1692c ( c ) ) to request that XXXX cease and desist from communicating with any non-affiliated third-parties regarding my credit information. This cease and desist order is effective immediately upon receipt of this notice. 

Additionally, in accordance with the XXXX XXXX XXXX XXXX XXXX XXXX, I am providing the following XXXX XXXX Compliance Codes to assist with the removal of the disputed accounts : Account Status Code : [ XXXX XXXX Account Status Code ] { XXXX } Payment Rating : [ XXXX XXXX Payment Rating ] { XXXX } Special Comment Code : [ XXXX XXXX Special Comment Code ] I expect XXXX and XXXX also Equifax! to comply with the FCRA and take appropriate action to correct these inaccuracies promptly. Failure to do so may result in legal action and penalties as outlined in the FCRA, including but not limited to statutory damages. 
am writing to express my deep concerns regarding the credit report provided by XXXX, which contains false and inaccurate information. This information violates the Fair Credit Reporting Act ( FCRA ), and I request a thorough reinvestigation of these matters. I would like to highlight that XXXX did not provide any method of verification when this information was initially reported. 

Specifically, the following accounts on my credit report are disputed due to being false and inaccurate : Account Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Inaccurate Information : [ XXXX XXXX XXXX XXXX, Number of Times its Listed as Collection and Shows as Charged off ] [ XXXX XXXX, Account Number XXXX XXXX XXXX XXXX : [ Shows as a Collection XXXX XXXX, Collection amount and Dates I believe that the reporting of this information by XXXX has violated the FCRA in the following ways : Failure to Provide a Method of Verification : Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX or XXXX and Equifax did not provide a method of verification for these disputed accounts when initially reporting them. 
False and Inaccurate Information : The information reported is false and inaccurate, which is a violation of 15 U.S.C. 1681e ( b ) that requires credit reporting agencies to ensure the maximum possible accuracy of the information contained in consumers ' credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-25
Company: EQUIFAX, INC.
State: NJ
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 XXXX XXXX and I am submitting this complaint myself. Despite the multiple previous written requests, the item listed below still remains on my credit report in violation of Federal Law. Equifax failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please DELETE the account below : ( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged debt ( collection ) from XXXX is still reporting on XXXX and TransUnion. I sent a debt validation letter to the creditor requesting validation of the alleged debt through demanding a request for accounting, in accordance with the Uniform Commercial Code, UCC Article 9-210. They failed to provide me this, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED as the law says ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX and TransUnion is participating in fraud with XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to

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 2023-06-08
Company: Experian Information Solutions 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:
AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX DATE OPENED XXXX Company contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
See document attached

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 2022-06-10
Company: EQUIFAX, INC.
State: FL
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 have attached and FTC report with an account and inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
PORTFOLIO RECOVERY # XXXX has been attempting to collect a debt that I have requested several times to be verified due to the being unaware of where this is originating from. I have not received any mailed documents per my request and this is in violation of my consumer rights to confirm the debt.

Company response to consumer: Closed with explanation