BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 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  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 don't have no written premission 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 and on The credit bureaus have no respect for the laws.

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA 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 2021-03-15
Company: Rodenburg LLP
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
So the very first stimulus check of XXXX dollars I deposited into my bank account on XX/XX/2020. I have proof of bank statements showing that it stayed in my account until XX/XX/XXXX when this debt collection agency law firm " XXXX XXXX '' took that money out of my bank account. I recently just faxed them a statement and the deposit slip and the actual check showing proof for when I made the deposit into the bank account on XX/XX/XXXX. I requested them to refund me 100 % of the XXXX dollars because they violated the FDCPA. That money was protected from being taken by a debt collector. If they do not return my money they are committing a severe violation of the FDCPA. This is the first time that I'm requesting a return of my money from them. I was not aware previous to this that the money was indeed protected. I am anticipating they push back because every experience with this law firm so far has been push back and never willing to work with me on any payment plans or anything of the sort. 

Because they took my money illegally, I was not able to make important auto repairs ( because could not afford it ) which then led to a severe car breakdown and I no longer am able to drive that car. I may have some recourse in small claims court regarding that? 

Is it possible someone can send a reminder call to the Rodenburg Law Firm that they need to abide by the FDCPA and send me back my XXXX dollars immediately?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-29
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
CitiBank/CitiGroup has instituted a policy that incorporates monitoring and denial of financial services to individuals and companies who are engaging in completely legal and Constitutionally-protected activity, thereby potentially limiting access to credit by law-abiding citizens based solely on political views. A summary of this policy can be found at XXXX XXXX XXXXXXXX.

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 2023-10-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In the fall of XXXX, I let someone use my credit card for some purchases. In either late XXXX or early XXXX of XXXX, I then changed my credit card account number with Chase so that this other person would no longer have access to my account. During the call with that representative, I expressly stated that my intent was to prevent this other person from being able to access my card. Fast forward to XXXX, XXXX when {$8500.00} dollars in charges that I did not make were made to my new account. It turns out that the other person who used my card last year had made payments using XXXX XXXX. Without any way of me knowing ( or taking any interest in informing me when I changed my credit card account number last year ), Chase automatically updated that XXXX XXXX account with my new account number. Chase tells me that it is all my debt, even though they are the ones who enabled the other person to make the charges in XXXX of XXXX. Chase could not have been a more effective accomplice to helping this other person rip me off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
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: Investigation took more than 30 days

Complaint:
I sent a letter out on XX/XX/XXXX to XXXX, Transunion and XXXX ; My tracking numbers are XXXX, XXXX & XXXX. It has been more than 30 days and the credit bureaus failed to send my investigation back. 

According to the las 15 U.S. Code 1681i Procedure is case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance to paragraph ( 5 ), begore the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-10-27
Company: AXOS FINANCIAL, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
my bank set up a living trust account without my permission. alot of money was taken without my permission. someone else was abusing my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions 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:
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. 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 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 2018-04-29
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
The vehicle was inspected XX/XX/2018 and the tires were approved under New York State standards with only XXXX miles on the vehicle and tires. 

The following month, the vehicle was turned in to the XXXX XXXX XXXX for lease termination with still less than XXXX miles and a new XXXX was leased. Initially the end of lease inspection was cancelled as the vehicle was immaculate at turn in per the salesman. The dealership was going to buy it which eliminates a need for inspection. The dealership then decided not to purchase and the subsequent inspection was completed. The inspector deemed the tires as worn and a scuff on the rim equally {$720.00}. 

I feel that this is inaccurate and I feel the {$720.00} should be removed from my lease end invoice and responsibility. 

I have uploaded the invoice showing NYS inspection was completed without issue except for a bulb which I replaced.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-25
Company: EQUIFAX, INC.
State: VA
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX XXXX XXXX XXXX XXXX I made a {$500.00} dollar deposit in person at the Bank of America at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and I have the receipt that shows the deposit and balance. Well, one day later the deposit completely disappeared from my account and doesn't show that I made the deposit and also doesn't show that I withdrew {$500.00} dollars. Banks are not opened around this time so I'm concerned about the safety of my earnings. I'm not sure what happened to my money that I deposited. What I'm going to do next is go back to bank where I made my deposit and talk to someone in person about getting my money back in 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 2021-05-01
Company: Experian Information Solutions 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 status incorrect

Complaint:
Leased XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. Paid monthly payment {$430.00} on time every month and returned the vehicle on XX/XX/XXXX prior the the lease end date. Dealer provided me with the Vehicle Return Receipt XXXX attached XXXX that he and myself signed agreeing the car was returned on time with no damage. It was at that time that I was told there was nothing else I needed to do and I left the dealership. On XX/XX/XXXX I had a missed call and voicemail from XXXX XXXX asking me to contact them at my earliest convenience. I called back that same day and spoke to a representative who said I needed to pay a " return fee '' for my lease. When I originally leased the car I made sure to ask the dealer if there was return fee, as I had experienced this with a past lease, and they said " we do not do that ''. Therefore I was a bit surprised by the representatives call saying I needed to pay this but agreed to as she said it was required. After paying she said everything was taken care of and nothing else was needed on my end. It has now been brought to my attention that this payment was late and is effecting my credit negatively. When I spoke to the representative she did not make mention of the payment being late and did not make mention of past attempts to get in contact with me. In looking at my XXXX account I see mail correspondence was sent to my old address and never got forwarded to my current address. If there were additional calls made to me regarding this I was unaware as a voicemail was never left until XX/XX/XXXX. If I had been made aware of this when dropping off my car and signing the vehicle return receipt I would have paid it right away but I was told everything was completed and there was nothing else I needed to do.

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 2019-10-22
Company: LDF Holdings, LLC
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
This company and their collections agency is harassing me telling me I'm going to jail for bad checks. Cussing me out. They are violating FEDERAL laws with their interest rates. See XXXX. Online loans especially at those rates in Iowa are illegal. I've contacted Iowa attorney general XXXX XXXX about the harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
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:
On XX/XX/2019, NJ HESSA reported that my loans, XXXX, XXXX XXXX, as being 30 days late. This is incorrect reporting because they were supposed to be in deferment since I had started classes on XX/XX/2019. I contacted them and made them aware and they informed me that although my status had been updated on the national publishers clearing house it had not been updated in their system yet. I was informed that once it was the loans would go back into deferment and any negative reporting would be corrected. It is now XX/XX/2019 and the negative 30 day late for the month of XXXX remains on my credit report for all three loans listed above on all three credit bureau agency reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My credit report is still showing late payments on XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or a customer service representativ

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 2023-06-23
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: Information belongs to someone else

Complaint:
On XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX 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

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 2019-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On XX/XX/2019 four transactions for XXXX store # XXXX for {$500.00} each occurred. On XX/XX/2019 a transaction at the XXXX XXXX XXXX XXXX in XXXX, TN for {$1000.00} occurred and then another for {$1000.00} at the same XXXX store occurred on XX/XX/2019. I then made a claim that all of those transactions were fraudulent on XX/XX/2019. On XX/XX/2019 Bank of America refused to cover the fraud claims and expects me to pay for the charges. I called to ask why they did not cover the charges and their only reason was that the purchases were not online despite the purchases not following my purchasing pattern.

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 2021-05-01
Company: GOLDMAN SACHS BANK USA
State: VA
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 see attached affidavit which has already been submitted to both XXXX XXXX XXXX and Goldman Sachs Bank. And XX/XX/XXXXhas the audacity to sent a letter to me the consumer, natural person, and original creditor stating that this alleged debt, this charge off was validated and that the alleged debt was mine. This has infuriated me, I personally feel threatened being that with that Goldman Sachs and XX/XX/XXXX are both telling me they are above law in which Congress enacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
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: Was not notified of investigation status or results

Complaint:
Back on XX/XX/XXXX, I submitted disputes to the XXXX credit bureaus as there was information on my credit report which I don't believe was accurate. I sent a letter to XXXX XXXX to XXXX XXXX XXXXXXXX XXXX, PA XXXX. I sent a letter to Equifax to XXXX XXXX XXXX XXXX, GA XXXX. And I also sent a letter to XXXX at XXXX XXXX  XXXX XXXX, TX XXXX. 

Since then, I never received any responses or notices back. Because I never received any responses or notices back after almost 60 days, I sent them another round of disputes on XX/XX/XXXX asking for the same investigations and corrections to my credit report. Once again, I didn't receive any notices or responses. I have active credit monitoring, so I know if they have at least attempted to investigate accounts as I would be notified that accounts were under dispute or that disputes have been resolved. That didn't happen either. 

Here we are in XXXX, and I have yet to receive any letters from anyone, in regard to my disputes. Since I'm tired of waiting, and because I'm not going to send a third round only for the same thing to occur or rather in this case to once again not occur, I decided to let you know so maybe you could help me in obtaining investigation results for my disputes. That's not too much to ask for, is it?

Company response to consumer: Closed with non-monetary relief