BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. the company has also NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4. 

XXXX XXXX # XXXX LATE PAYMENTS XXXX XXXX  # XXXX ONE LATE PAYMENT XXXX # XXXX XXXX XXXXXXXX XXXX FOR {$3400.00} XXXX XXXXXXXX # XXXX FOR {$8300.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX FOR {$3300.00}

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 2023-12-15
Company: Early Warning Services, LLC
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I sent {$1000.00} on XX/XX/XXXX  from my XXXX XXXX checking account via Zelle  to my Daughter, XXXX XXXX XXXX XXXX XXXX  account. Unknown to me at the time the funds were transferred to a XXXX account holder. My daughter 's cell phone # that I typed into Zelle was previously the cell phone # of this person at XXXX. I filed a complaint with XXXX XXXX on XX/XX/23, and since then 10 business days have elapsed and XXXX tells me the case is closed, I have not received the {$1000.00} back into my bank account. I called XXXX and they can not help, they said to call XXXX XXXX. Additional info- the woman who used to have this cell phone # is in debt by about $ XXXX, which my daughter has gathered from all the collection calls she receives for this previous owner of the phone #. I believe my daughter might have the name of the woman who received the {$1000.00}, only because my daughter still receives phone calls for this woman. I want to file this complaint right away, but I can follow up and provide the woman 's name. My main question/complaint is how come the banks and Zelle transferred the funds into a person 's bank account and they didn't cross check the name of the recipient with the Name I put into Zelle? The transaction details in my bank account show the name on the account to be XXXX, but the funds were transferred to a different person. Shouldn't the banks and Zelle be cross checking the name that I put in as the recipient to be the same as on the account they are depositing the funds into?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: EQUIFAX, 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2023-09-20
Company: EQUIFAX, INC.
State: FL
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:
The accounts are note mine I ask the credit bureau to validate the accounts The credit bureau could not validate the charge off I asked the credit bureau to send me a copy of the original contract with my name and signature on contract and they were unsuccessful doing so. Please delete accounts off credit report thanks Accounts : XXXX XXXX XXXX  XXXX Account number : XXXX 2.Acount XXXX XXXX XXXX Account number : XXXX 15 us code 1681 15 us code 1692 Unfair practices

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: IL
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:
I have not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly removed from my credit report.

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 2023-06-20
Company: ERC
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: Old information reappears or never goes away

Complaint:
These were credit cards and even though they have been written off they were sold to collection agencies which is against the law. I want them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: AXOS FINANCIAL, INC.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I have recently been victimized by Axos Bank. A company suited by XXXX XXXX Attorney at XXXX, XXXX XXXX, Ca. on XX/XX/XXXX for XXXX dollars for unlawful deceptive practices, due to a whistle blower XXXX XXXX XXXX . Unknowingly I refinance my vehicle with this company back XXXX XXXX. Since then, it's been a disaster. My impeccable pay history went from excellent to being critically sabotoged, and destroyed by a 3rd party Online Autopay system called XXXX. On XX/XX/XXXX, I made arrangement with bank to pay a certain amount, made payment as agreed. XX/XX/XXXX they repocessed my vehicle. The calls are recorded, I have recorded times, dates and names of several people, I spoke with in the Special Assets Department in charge of my account. I was referred to you by the State of California Department of Justice, where I submitted my intial complaint. Respectfully yours truly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Collector called, provide information on the account without verification. Threatened to have law enforcement at my doorstep within 30 minutes if payment was not received. Accused us of being deadbeats for running up the credit and not paying it off. When asked to verify agencies information ( name, address, professional license number ) became more aggressive and disconnected the call. When I attempted to contact the agency for the details, I was transferred to another collector ( XXXX XXXX ) that the previous collector ( XXXX XXXX XXXX was no in charge of the account. I have tried to verify Professional License XXXX through various agencies and I have not been able to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Accounts : XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX Account # XXXX SXXXX : Account # XXXX XXXX XXXX XXXX : Account XXXX XXXX XXXX XXXX : Account # XXXX XXXX : Account # XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act by both physical mail and online disputes along with providing them with documentation to support my claim. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on about this topic. 

The credit bureaus have no respect for the laws or its consumers. 

Someone needs to hold them accountable for this.

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 2018-08-23
Company: BRite Financial Services, Inc.
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Carrite holdings and brite financial had me sign paperwork to install a device to remotely disable the vehicle purchased. This is illegal in the state of WI. Further having this device installed and if it has been used could cause major engine malfunctioning while driving. The vehicle does hesitate to start intermittently and will not stay idle intermittently. In addition paperwork was sent for a right to cure default on lease postmarked XXXX in the state of WI at least 15 days should be allowed. I had already attempted to set up a payment plan via email. NOONE answers the phone ever and the recording clearly states they are having phone issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Netspend Corporation
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I closed my NetSpend account on XX/XX/XXXX. I was advised a check with the remaining amount ( minus a closing fee ) would be mailed to my house within 7-10 business days. I called on XX/XX/XXXX to confirm my account was closed and the check was coming, and the rep told me I should get my check by the XXXX. I did not get the check. When I spoke to NetSpend on XX/XX/XXXX, the rep said they will email me within 24 hours an update on the check. I received no email. When I then spoke to NetSpend on XX/XX/XXXX, they said they never send updates by email, and their Fraud Dept will provide a final determination within another 24 hours, and for me to call back. I call back XX/XX/XXXX, and this time, I'm told the Fraud Dept was not involved, and that I should receive my check in another 7-10 business days. The XX/XX/XXXX rep kept asking me if I want to re-open my account ( I think he is trained to do this by his superiors ), and I had to tell him multiple times I have no interest doing business with NetSpend, especially after this particular experience. CONCLUSION - Their story keeps changing whenever I call, and I don't believe they will send this check in 10 business days. They may be  doing this intentionally until I forget about the check, to pocket the remaining balance from before I closed my account.

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 2022-12-24
Company: Experian Information Solutions Inc.
State: CA
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX BANK XX/XX/XXXX XXXX XXXX XXXX Section XXXX A- States I have the right XXXX privacy. 

XXXX XXXX XXXX Section XXXX A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 explanation
Consumer complaint received 2023-10-31
Company: EdFinancial Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I have ( had ) 3 student loans. Received email from Department of Education that they were scheduled to be discharged/forgiven after a waiting period that ended XX/XX/2023 for the IDR One Time Adjustment. Two of the loans have been wiped out but one still remains. Department of Education points me to servicer, servicer points me to Department of Ed. Trying to find out why this last loan remains when all 3 of them went into repayment on the same date and have made payments made toward them at them same time throughout. I should have no loans remaining. 

( I would file this complaint against the Department of Education, but they are not listed. I have contacted them and filed a complaint via their website, but those as a rule go unanswered, as I have an open complaint from over a year ago. )

Company response to consumer: Untimely response
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 paid off XXXX and requested ( 2 times this far ) they remove the debt collection by XXXX XXXX from my credit report. 

Although XXXX XXXX assured me the collection would be removed ( in person at their store ) nothing has happened. Its been over a year and Ive not heard from 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 2023-09-02
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I stupidly applied for this card to get a bicycle. 
I never received anything in the mail for it. 
Eventually I would get Late notices in my email. 
Id make a payment through that... never having an account set up, this was the only way I could ever attempt to pay. 
I would do that. 
Id get an email saying payment never went through. 
For months this continued. 
I think 3 payments out of about 10 went through. 
now I am way behind, and about to have over 20 % interest because this company is XXXX. 

Contact support. There is no support. They give you links to chat that dont work. 
Call them. No humans, just machines repeating information that has nothing to do with my call. 

THIS IS INSANE! 

IVE NEVER HARD MORE TROUBLE TRYING TO GIVE SOMEONE MONEY IN MY LIFE. 

Now because they made it so hard to do... amazing.. I owe them more money. 

XXXX 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 2023-12-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX they keep reporting me late I keep writing them theyre halfway communicating with me they dont have a phone number to be rich theyre not corresponding to any of my emails My account has a XXXX balance on them. Im paid up in full and they reported me late and when I ask them to correct it, they went and reported me 60 days late the next day to be funny. This company is purposely trying to mess up my credit report

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 2023-09-02
Company: EQUIFAX, INC.
State: CT
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX Balance Owed : {$1400.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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  inc XXXX has violated my rights. 

15 u.s.c 1681 section 602a. States that I have the right to privacy.

15 u.s.c 1681 section 604a section 2 : it also states a consumer 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 non-monetary relief
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: FL
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:
Sent mailed letters to company 30 days later I still have no response from the company. that's a violation to the FDCRA.

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 2022-06-01
Company: EQUIFAX, INC.
State: FL
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:
Sent mailed letters to company 30 days later I still have no response from the company. that's a violation to the FDCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Sent mailed letters to company 30 days later I still have no response from the company. that's a violation to the FDCRA.

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