BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: MS
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:
Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). 1 These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction.

The courts have specifically rejected prior case law and FTC guidance that a judgment creditor had permissible purpose, noting that those decisions pre-dated the FACT Act. These cases have held that a delinquent child support obligation, municipal fines arising from parking tickets, and a statutory debt resulting from the towing and impound of an illegally parked vehicle did not arise from a credit transaction. As a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report. 
If you use XXXX consumer report services in connection with the collection of an account, we advise you to promptly review the new case law with your regular attorney or compliance advisor. 
XXXX will be contacting each customer that is a third-party collector to discuss this issue. We expect to confirm with you that you are in compliance with this new interpretation. Until then, unless you advise otherwise, we are relying upon you to comply with your contract with XXXX and this new interpretation of the law. This means that you may obtain XXXX reports for collection purposes only when collecting on an obligation arising from a credit transaction, or where you have the written authorization of the consumer or a court order to obtain a consumer report. 
As an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : A court order authorizing a consumer reporting agency to provide a consumer report, A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, Case XXXX, XX/XX/XXXX ( XXXX Illinois ) ; XXXX XXXXXXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX Illinois ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 .I withdrew {$2000.00} from a Wells Fargo ATM on XXXX and XXXX in XXXX XXXX Nevada after trying to deposit the money back into the ATM. It had an error that it didnt take deposits, so I held onto the money till that afternoon when I went to the gym and tried to deposit it into a XXXX and XXXX XXXX XXXX XXXX , NV ATM , which only deposited XXXX before malfunctioning also.I tried calling multiple times with no resolution it was after hours, so thats all I could do. I had to go back to work the next day with a busy week when I finally got through the bank gave me a temporary credit of {$1300.00} pending investigation. Today is the day after XXXX XXXX XXXX XXXXXX/XX/XXXX three months later they being Wells Fargo revise the credit and withdrew {$1300.00} out of my account saying that there was no error made. This is a XXXX false the ATM stole my money and now Wellsfargo is trying to overdraft my account with multiple charges. What can I do to resolve this and get my money back?

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 2023-02-16
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: Account information incorrect

Complaint:
I have emailed and called on multiple occasions to advise and ask why the account balance is not being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: LA
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have been trying to create an account with Binance US for over a year now. They keep rejecting me because their XXXX  system is beyond broken. 

First, they claimed that the house that I've owned alone for the past 9 years doesn't have sufficient transaction history tied to me. This of course is entirely false. 

Then, they requested that I send them pictures of my driver 's license and of me holding up my driver 's license. I did that, but they never responded even though I sent them half a dozen follow-ups. 

The level of XXXX  shown by this company is shocking. They should not be allowed to handle anybody 's money. Unfortunately, they are literally the only way for a US resident to acquire certain crypto coins, which leaves us consumers without choices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: ALLY FINANCIAL INC.
State: DE
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:
In According with the fair Credit Reporting act XXXX Account has violated my rights. 

U.S.C section 602 A. States I have the right to privacy. 

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. 

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.

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 2023-01-02
Company: HFS Financial LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I contacted HFS Financial after a Internet Search, '' XXXX XXXXXXXX XXXX XXXX XXXX XXXX .I completed the On-Line Application.And I spoke to a XXXX XXXX XXXX.After checking XXXX XXXX XXXX, XXXX XXXX informed by XXXX  that I was Pre-approved for $ XXXX was told to upload a list of documents to the Portal.The Portal never allowed the documents to be uploaded.I made several calls to XXXX XXXX XXXX XXXX XXXXoan Processor ) XXXX XXXX stated that She would have XXXX look into the problem.I was informed by XXXX  that they have never encountered the problem.And therefore they did not know how to fix the problem.She then suggested that I forward all requested information to her by XXXX was re-assured that all information was secured since HFS was a Financial Institution.I later XXXX a email stating that my Birthdate and Address were listed differently on my XXXX Credit Report.I contacted Equifax.And both were corrected.I contacted HFS Financial and spoke to XXXX XXXX XXXX XXXX stated that he would XXXX XXXX a link to re-apply.The link that was forward would not allow me to re-apply.Multiple calls were made to XXXX.He did not respond.It appeared that my Cell Phone was blocked.When I finally reached him on a landline.XXXX  stated that I should look for alternative financing for my XXXX XXXX XXXXSince submitting my information to HFS Financial, I have been notified by the Credit Bureau of numerous attempts by unauthorized individuals to apply for XXXX using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: KY
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:
In accordance with the Fair Credit Reporting and XXXX XXXX  # XXXX has violated my rights. 

15 USC 1681 section 602A states i have the right to privacy.

15 USC 1681 section 604A also states a consumer reporting agency can not furnish an 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 2020-04-15
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We are in the process of refinancing, and our current loan company, Rushmore Loan Management will not send over the payoff amount to the escrow Company. We began the process on XX/XX/XXXX and were supposed to close on XX/XX/XXXX. Our broker had to request an extension once, and just had to file another. The broker requested the information and the loan company would not fax it. We called on XX/XX/XXXX to have it faxed the escrow company -- they told us it was sent on XX/XX/XXXX, but the escrow company never received it. The escrow company called to follow up, and Rushmore still did not send it. We called on Monday, XX/XX/XXXX and the company did not pick up the phone, even though we called within business hours ( said they were closed ). We called again and requested it on XX/XX/XXXX -- they said it would be faxed to the escrow company that afternoon, but the escrow company did not receive it. We just want to refinance our loan, but we can't do it because of the negligence of Rushmore. 

We had this same problem with them when we tried to get our PMI removed. Rushmore kept insisting they had sent us letters or faxed us information when they had not. I suspect they are printing copies of the letters they write and placing it in our file, without ever sending anything, so they can claim that they did it. It took 3 months to get them to move on removing our PMI -- that was close to {$900.00} that we could have saved. 

I just want them to send the payoff amount to the escrow company so we can finish the refinance and have another loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: CDS Debt Relief, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Absolutely horrible, horrible, horrible company!!! They steal your money and make a bunch of promises that they are in no position to keep! They are unethical, fraudulent, dishonest, thieves! 
When I called to cancel and stated I want my money back, over {$2400.00}, they told me they spent it all! I dont know where how or they spent it, but it wasnt on anything do with me! I asked for documentation on how my money was spent/distributed, and I was told they didnt have a record of that! That, is stealing!!! 
They took XXXX ACH drafts, {$400.00} each for a total of {$2400.00}. They did nothing, nor is there any record of where my money was deposited, let alone how it was distributed! None of my cc companies have been contacted. I received a letter from one of the credit bureaus that what the company is doing is against the law and they are not authorized to be doing what they are doing on my behalf and that their practices are illegal! I had been asking for documentation for several weeks! Sent several emails which questioned what they are doing. They just kept taking money! 
When they take your money there is XXXX visibility to any bank account tied back to me or what they promised they would be doing on my behalf. In fact, they just use an open ACH draft, so the only way to stop them from taking my money was to close my checking account! 
Its all sketchy and bait and switch scam!!! 
Run, run, run!!! 
I want my money back and I want it now! I will also be filing a claim with the attorney general and I would encourage anyone else who fell victim to their thievery to do the same. They need to be shut down!!! 
They also use the business name XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: VA
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'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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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, ( 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 : 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 2022-01-04
Company: Experian Information Solutions Inc.
State: PA
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:
Loan still shows open on credit report. Contacted XXXX XXXX. They told me to login online. Loan does not show up. They refuse to send a statement. Need paid in full statement for mortgage. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: FL
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries and personal information : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX : XX/XX/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

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 2023-05-10
Company: EQUIFAX, 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:
My name is 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-11
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: Account information incorrect

Complaint:
On my credit report, XXXX XXXX XXXX Bank is showing a credit card account late 270 days in a 3-month span. How is that possible when there are only 90-days in 3 months?

It is ridiculous and hurting my credit score. 

Also, it's a violation of my rights for XXXX, XXXX, and Experian to report late payments to my credit report without first contacting me, and second getting my permission to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you  are required to comply. My name is XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX, OH XXXX.The following addresses are not mines please remove delete them : XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , FL XXXX-XXXX XXXX XXXX XXXX  , XXXX, OH XXXX-XXXX XXXX XXXX XXXX  , XXXX, OH XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I filed a dispute with Transunion about XXXX student loan reporting delinquencies that were over XXXX  years old. Since XXXX, XXXX has reported my delinquent payment 90 days late from XX/XX/XXXX to XX/XX/XXXX. When the XXXX yrs approached, the delinquent reporting started to fall off one month at a time, instead of all reporting at once that were connected to my date of first delinquency. I disputed my report for not having the date of first delinquency which would show it was XXXX yrs old and lead to all late marks removed. On XX/XX/XXXX, Transunion notified me that the report was accurate based on the date of last activity verification from XXXX. I argued that XXXX had not answered my disput around completeness and accuracy for XXXX, which was now showing just XX/XX/XXXX and XXXX of XXXX. The removal of XXXX XXXX should have led to entire delinquent mark being removed. Transunion refused to act responsibly stating the could not correct it although I was correct because XXXX sent a response, albeit erroneous. I had to submit another dispute and wait another 30 days. In the meanwhile, they removed XX/XX/XXXX delinquent mark and kept the XX/XX/XXXX delinquent mark of over 120-140 days late!

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 2022-05-23
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, On XX/XX/XXXX i sent an email over to the property manager, stating i will be moving out. My lease was fully signed for the new complex. Due to the pandemic the leasing office was closed. I was instructed to send an email to the main office, and they will attach it to my account. Nothing was ever done and about 4 months later i received an invoice saying i owe a balance that i didn't owe. I need to speak to whom ever to help me get this off my credit. I have exhausted all my resources and this is unfair and blocking me from moving again. someone please help me please

Company response to consumer: Closed with explanation