BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/2023 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 2023-09-22
Company: DISCOVER BANK
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:
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 myself or the customer service representative of the said accounts. DISCOVER BANK XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Without my knowledge, a credit account was opened in XXXX. {$6000.00} was withdrawn in XXXX. then over another 2 months another XXXX XXXX dollars were withdrawn. This credit account is opened with American Express. I have never been to this bank and never opened an account there

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-28
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i had an account with US Bank which i opened in year XX/XX/XXXX, on XX/XX/XXXX a bank Representative contact me asking me to give her my valid visa or green card, which i did by email, and she replied that i will be posted, later on i found out ( by chance ) that all my account were frozen ( hard block ) i contacted the costumer service which they refer a contact number that i should call, which i did, it was a near by branch of us bank, they did not knew why am calling, i visit the branch were i knew that my account was frozen because i was born in XXXX, and the account still frozen till this moment and they dont know when the account will be unfrozen so i dont have access to my funds so the bank froze my account for more than 15 weeks, without informing me, and when i knew no one gave me clear answer why it was frozen knowing that i submit all information needed from my end its act of discrimination and raciest, and i will go to court to escalate this matter

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 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-02-17
Company: Experian Information Solutions 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:
The following account was a charge off/collections it yet continues to display multiple inaccurates listed on all three credit ( XXXX, Experian, XXXX ) inaccurate, closed account reporting open, incorrect opening date, date of last payment, or date of first delinquency, incorrect account type after reaching out to credit reporting agencies, and reaching out to the creditor itself to get a validation of debt, which two seems to be displayed as an accurate

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 2023-03-31
Company: Experian Information Solutions Inc.
State: GA
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:
incorrect 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 2023-08-09
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:
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.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-30
Company: SFS, Inc
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I foolishly in desperation took a payday loan with an online payday loan company. I borrowed {$300.00} and the interest rate and payments are astronomical. I live in South Carolina where the limit is {$15.00} per {$100.00} borrowed. On a {$300.00} loan I should have to payback {$340.00}. I have mailed my first payment of {$90.00} as I revoked this company 's ability to debit my bank account. My remaining balance should be {$250.00}. The payment of nearly {$200.00} per month is excessive, predatory and pure greed. I will pay {$25.00} every two weeks beginning XX/XX/XXXX until the {$250.00} is paid off. This company calls and emails me endlessly. It's predatory and greedy and takes advantage of individuals who feel they have no options.

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 2023-11-21
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX I. Contacted Navy Federal Credit Union to have my son 's social security funds released. The day before I called as well because the funds have been sitting in pending for a few days but was told to call back at XXXX the XXXX so they can be released. 
I called and the automated message mentioning to release the funds was not there and I wasn't able to release them through the app. When I called I was told by XXXX they can not release my funds because of me having a charge off account..nothing in their brochures mention that and I've never had this issue before. I can understand if it was my money but I don't even have my account with them anymore because of all the bank fees I was charged and them not doing the math correctly on a returned check. That is not my issue though. None of my past with the bank should affect my sons account. The brochure doesn't mention any of the reasons I wave given. I called multiple times and was told he wasn't him and he became upset so I became more involved. His age and my reported issues are not grounds to go against policy. It indicates that funds can be released one day early. The funds have been in pending on this account for well over a week so they have them. The release date is the XXXX and we're trying to get them a day early, like we have always been able to except for today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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:
Please, on several occasions I have contacted the transunion and XXXX agencies because I have some questions that I never authorize the companies to obtain my credit report, and they say they can not help me, these are the questions I am referring to : XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( 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.

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 2019-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
the violation repo is an FTC violation sent to the police dept and the creditors

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 2023-07-03
Company: EQUIFAX, INC.
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-13
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened an account with TD Bank - Preferred Savings Account in XXXX XXXX NY in XX/XX/2019. I previously filed a complaint with CFPB Complaint # XXXX. 
The problem is that when I opened the account - with the understanding that if I made three initiated transactions from my TD checking account each CALENDAR month I would receive the " BUMP - UP RATE ''. Since my last complaint I have visited the back on several occasions to inquire as to why I am still not getting the Bump up Rate. After reading XXXX XXXX 's, ( XXXX, TD Bank - Head of Consumer Deposit Products & Payments ) letter in response to my initial complaint it states that I need three transactions a calendar month, the problem is that the bank is not using the calendar month from my associated checking account but the dates from the XX/XX/XXXX of the previous month to the XX/XX/XXXX of the next month. The problem is the Savings account dates are not in sync with the Checking account therefore I have lost several hundreds of dollars in lost interest. I have spoken to the VP at that branch and the Assit. Store Manager who both acknowledged the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I see this account has charge-off status and yet there is a past-due balance on your report. This account also is being reported with different payment history days between Experian, 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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am writing a complaint against Transunion in regards to their previous investigation on my consumer report. Lately I have noticed several accounts thats reporting to my consumer report in which i am unaware of who these creditors are and how they got my personal information. After asking Transunion to investigate these accounts they replied " verified '' in which these accounts don't even belong to me. The creditors reporting never had my consent to purchase my personal information nor did they have permission to report this to any credit reporting agency. I am aware that I have a right to privacy in which I believe my right was violated. After asking them to very this account they never provided any documentation, agreements or signatures that have my approval. It is their duty to do what's fair and equitable to their consumers in which this isn't fair. Any information that's either inaccurate or non verifiable should be removed from my consumer report immediately. 

Violations committed by Transunion : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information

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 2023-11-13
Company: EdFinancial Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I scheduled a payment of {$60.00} towards my student loan on XX/XX/XXXX with Edfinancial. I received a payment confirmation e-mail. On XX/XX/XXXX, that amount was debited from my checkings account. I logged on to the edfinancial website where there is no record of my payment. Usually when it's being processed it shows up as pending payment. There's no record or indication anywhere of my payment but they took the money out of my account.

Company response to consumer: Untimely response
Consumer complaint received 2022-11-04
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: Information belongs to someone else

Complaint:
I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: BAM Management US Holdings Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2023, I transferred XXXX $ XXXX tokens worth around {$5000.00} to my Binance US wallet on the XXXX ( XXXX ) network. Please refer to transaction XXXX on the XXXX network. You can go to XXXX XXXX XXXXXXXXm to view fantom transactions. 

The address that I transferred the assets from is XXXX. 

The address I transferred the assets to is XXXX. This is my Binance wallet address. 

The funds are sitting in my Binance US wallet, but I have been told by the company that the funds are unable to be retrieved as the token type is not supported. However, I have confirmed that the assets are available at that wallet address, as can be confirmed here : https : XXXX? XXXX It is unacceptable that Binance US would tell me they can not retrieve my assets. I simply want them to transfer my $ XXXX ( FTM ) tokens back to me at XXXX address XXXX which is the wallet address I originally sent the assets from. 

Please reach out to me if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EdFinancial Services
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have my student loan through Ed Financial and each time I make a payment it gets reversed. On XX/XX/2023 I made a payment of {$170.00}. The payment was immediately reversed. On XX/XX/2023 I made a payment of {$350.00} because I had to make up for my " late '' payment in XX/XX/XXXX. The payment was immediately reversed. I am in a situation where I have the necessary funds in my bank account and for no reason whatsoever I can't make a payment. Eventually this is going to impact my credit and it is through no fault of my own. I am attaching a screenshot of what my issue is.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-13
Company: EdFinancial Services
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Since XX/XX/XXXX up until XX/XX/XXXX I made payments totaling {$5400.00} to ED Financial. Then XXXX XXXX announced that student loan debts would be cancelled and that qualifying payments made starting XX/XX/XXXX onward could be returned to the borrower. I took advantage of this opportunity and received partial repayment of {$3300.00} back in XX/XX/XXXX. However, I never received the remaining {$2000.00} but my current account balances reflects that I did. I would like my loan balance to reflect that I never received the {$2000.00} refund. I sent several emailed and made phone call attempts but the hold times are hours long. I did receive statements for the amounts I paid from XX/XX/XXXX to present which verified the discrepancy with my balance but nothing has been done to amend the situation and no one is able to help so Im turning to you. 

Thank you, XXXX XXXX

Company response to consumer: Untimely response