BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-13
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2023, my XXXX account experienced unauthorized access by an online scammer based in XXXX. Subsequently, my XXXX XXXX, linked to my Schools First XXXX card, was compromised by XXXX. Promptly, I informed my bank, filed a XXXX claim, and awaited a decision. Regrettably, as of XX/XX/2023, my claim was denied, and no detailed written explanation for the denial has been provided by Schools First Federal Credit Union. This is unprofessional on Schools First because they failed to notify me as a customer, I had to contact them for a decision and update. My money is not secure at this banking institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my complaint for you to know about some inaccurate information that are still appear on my credit file and I want you to delete it all immediately. Per FCRA Section 605b the three credit bureaus are required to delete the items which are unknown to me. These are the following items : XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : XXXX 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 Balance Owed XXXX XXXX XXXX XXXX  Balance Owed : XXXX XXXX XXXX  Balance Owed : 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 explanation
Consumer complaint received 2023-06-28
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
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 resulted from an alleged identity theft, not later than 4 business days after the date of receipt. it has been 30days and you are in VIOLATION of this law because I am a victim of identity theft!! please delete these items IMMEDIATELY! These accounts should not be furnished on y consumer report as they are in VIOLATION! Under,15 U.S Code 1681b-permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance 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 federally protected consumer. NO CONSENT IS IDENTITY THEFT.As a consumer 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 explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-06-20
Company: Credit Control, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The primary statute in Illinois requiring licensing in the area of debt collection is the Illinois Collection Agency Act. ( 225 ILCS 425 et seq ). Under the Act, anyone acting as a collection agency must obtain a collection agency license. An entity is considered to be acting as a collection agency when, among other things, it engages in the collection of debts for others or buys accounts, bills or other indebtedness and engages in collecting the same ( 225 ILCS 425/3 ). Debt collection is defined as any act or practice in connection with only consumer debts 225 ILCS 425/2 ). Even out-of-state debt buyers must be licensed, if they buy and sue on consumer accounts in Illinois ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ). To obtain the collection agency license, a {$750.00} fee must accompany the application, along with a bond for {$25000.00}. The applicant must also provide an employment history, financial statement, employee identity listing and trust account financial report. Please provide the following : you signed the application the entity suing you purchased the right to collect on the debt the balance claimed as being due is calculated properly the loan has not been rendered unenforceable due to the expiration of the statute of limitations

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 2019-09-21
Company: SYNCHRONY FINANCIAL
State: MI
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:
The following verbiage has been sent on multiple occasions. Every time they come back that they have the right to keep the account on my report even though they have NO SIGNATURE, NO VIDEO SURVEILANCE, NO PHONE CALL proving it was me who applied for or maintained an account with them. Furthermore, they have corresponded " WE DONT HAVE AN ORIGINAL CONTRACT OR PROOF OF YOUR SIGNATURE ON FILE ''. Note, under FCRA, statement are not proof this account is mine. Therefore, I want to know, how are they VERIFYING and VALIDATING, this account is mine? They can not, they have not, and I want it immediately removed from my bureau reports and all collections deleted as well as well as any hard inquiries. KNOW WHO YOURE GIVING CREDIT TO. You DO NOT have proof of signature to prove this is my account. 

Under the FCRA, " if you can not prove 100 % that this is my account you must remove it! '' In addition, you owe me {$1000.00} per offense. 

FCRA, section 623

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
to whom it may concern, In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 
Please have the late payments removed from XXXX. XXXX, XXXX. XXXX, 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 non-monetary relief
Consumer complaint received 2023-06-19
Company: Block, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Cash app transactions that I didnt make or approve and I make a dispute about this transaction, and they decline with any explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
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:
I was XXXX  when all of these accounts were open and I called to attempt to explain that to every company listed along with proof, matters were not taken care of.

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 2020-02-24
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I GOT A REFUND OF {$2400.00} FROM XXXX XXXX  XXXX   SINCE XXXX OF XX/XX/2020 TO MY ACCOUNT IN CHASE BANK WITH ACCOUNT NUMBER XXXX, ALL EFFORT TO COLLECT MY FUNDS HAS BEEN IMPOSSIBLE AND THEY CLOSED MY ACCOUNT AND REFUSED TO RELEASE THE FUNDS TO ME,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Experian Information Solutions Inc.
State: WA
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:
Hard dates for reference - XX/XX/XXXX is the date my wife moved out, - XX/XX/XXXX is when I met with a an attorney who was referred to me by a friend of a friend, - XX/XX/XXXX is when I had been charged without authorization. 
- XX/XX/XXXX actually divorce filed my wife and I were separating just after the XXXX  of XXXX and she moved out on XX/XX/XXXX this is when I went to speak with an attorney who was referred to me by a friend. Upon speaking with the attorney I let him know the first in for most important aspect of this process is the kids because I do not want to lose custody or have anything happen to them. He told me that he would look into it and get back to me. Then he asked how much $ I had. This brought up the conversation of retaining him at which point I said that right now I have roughly XXXX dollars and a little over XXXX available credit on my credit card. However if he could make sure nothing happened to the kids and I was for sure to be filed for divorce against than I would use His services for that as well. 

Within two weeks Of meeting with this attorney I was notified of this date taking the kids and putting them into foster care. At which point I then called said attorney mentioned above who indicated that he hadnt heard from me yet so hadnt done much to or inquired about my kids. This was absolutely unprofessional inappropriate and bleeding and negligible act. 

It wasnt until XX/XX/XXXX that I finally heard from my wifes attorneys and the divorce was not actually filed for another week after that however I then found that the attorney mentioned Above have charged my credit card on XX/XX/XXXX for {$3100.00}. 

I tried to dispute this with XXXX XXXX on a couple different occasions both times I was told that I didnt have proof so I could not challenge the charges. The only thing I signed with the merchant was a letter of intent but never approved a charge to my card. In fact the divorce wasnt even filed until XXXX and the attorney that I hired and actually represented me during my divorce was retained XX/XX/24 or so which is a full 6 weeks after meeting with this merchant. 

Attached youll find documentation to support the above and would love to get this rectified off my credit and refunded accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXXt Account # 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2019-09-25
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Since on or around XX/XX/2017 I have received negative reporting on my credit from XXXX XXXX who has now sold to Diversified Consultants Collection agency which claims I owe a Debt in the amount of {$260.00} from Original Creditor XXXX XXXX XXXX They have refused to provide me with details, account information or why this debt is owed since I closed an account with them in 2017, paid a final bill and returned equipment. I have attempted to dispute this with the major credit bureaus but they have no resolution or answers to provide me with substantial evidence for this debt. Diversified continues to report derogatory remarks every three months and continues to put it as a NEW debt and New Collection. They are not communicating other than bad reporting on my credit and will not provide proof of my owing this debt. I would like resolution to this harassment and false reporting and action to be taken on them but I am forced with a hardship of having pay for a lawyer to cease the derogatory and false reporting. 

A collection account is considered a continuation of the original debt. It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. This agency persists in reporting old debts with updated activity dates. This has gone to multiple collection agencies and not one has provided a valid proof of debt or documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: NJ
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 Account Number : XXXX XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY 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 explanation
Consumer complaint received 2019-09-25
Company: VW Credit
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I got a loan for a used vehicle from VW Credit at the auto dealership XXXX XXXX in Utah. On XX/XX/2018 XXXX XXXX pulled my credit score and then did it again XX/XX/2018. VW Credit also pulled my credit score on the same day XX/XX/2018. I was not aware of these multiple pulls until I recently applied for a credit card and I could not get approved because of having so many hard inquires in such a short amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: LD Holdings Group, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted Loan Depot in XXXX of 2018 to investigate a possible loan. I made it clear to all on numerous occasions that I was not yet ready to apply for a loan. Further, I made it clear to everyone I talked to, that I was 'shopping a loan ' and doing my due diligence. I specifically and vociferously made it clear that I was not authorizing ANY hard credit checks.

1 ) Loan Depot was never authorized to make a 'hard inquiry ' of my credit 2 ) I never applied for a loan with Loan Depot , giving neither verbal or written permission to check my credit score 3 ) My 'loan ' ( which I never applied for ) was denied because I had not finished the application process 4 ) Two hard credit checks were made to my account, which plunged my credit from a score of over 800 to under 700, making a home equity line of credit at my bank impossible. 

On XXXX XXXX, 2018 I sent the following email to all my contacts at Loan Depot : RE : Customer ID? LOan #? XXXX, XXXX, XXXX, Dear Sirs, The number ( s ) referenced above are from various email I have received from Loan Depot. I don't know whether the numbers represent loan # 's or customer ID.

I am confused as to my recent XXXX rating. When I began the process of shopping for a loan, my credit rating was over 800. It is now in the mid-600 's due to Loan Depot making hard credit checks expressly against my wishes. Furthermore, XXXX  and Loan Depot now report that I was denied credit by Loan Depot for 'incomplete application '. Of course, it is 'incomplete ' .... I never applied, or signed, a loan app with Loan Depot.

Let 's be clear : I never applied for a loan with Loan Depot. 

When talking to your representatives ( XXXX, XXXX, XXXX, XXXX, and others ), I made three things abundantly clear : 1 ) my inquiry was 'soft ', I was doing my 'due diligence ' to survey rates and closing costs and under no circumstances was my inquiry to be taken as an 'application ' because 2 ) I did not want hard credit checks dinging my rating while I shopped my loan, and 3 ) I was not applying until I had all the required documentation gathered.

The 'how & why ' an application that was never submitted or signed by me, was denied by Loan Depot , is irrelevant at this juncture.

What is Loan Depot going to do to correct the situation? 

regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
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: Personal information incorrect

Complaint:
I filed a dispute with XXXX and XXXX I also left in comments of my dispute the reasons this account was inaccurate they did an investigation and XXXX XXXX left this item as updated which is a violation of CFPB of not 100 % inaccurate information once again my XXXX XXXX XXXX shows XX/XX/23 a {$470.00} balance. My account is closed and ( XXXX ) XXXX balance. 
DO NOT UPDATE ....

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 2018-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
TransUnion still reporting opened date and payment history in these accounts wrong, since this is inaccurate reporting please have them removed from my credit report. XXXX XXXX XXXX XXXX and 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 2023-09-27
Company: Experian Information Solutions Inc.
State: CA
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:
My identity is being is being used without lawful authority as I never gave permission for my identity to be used without my consent. This information is being reported without my permission

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