BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-12
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX : # XXXX, 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 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 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave you or any other consu, [ mer reporting agency WRITTEN CONSENT to report these accounts on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE SEND UPDATED COPY OF MY REPORT OF THESE ITEMS DELETED TO MY ABOVE POSTED ADDRESS THANK YOU.

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 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The account list below violated my ferally protected Consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account : XXXX  XXXX, Date : XXXX XXXX Account : XXXX XXXX Date : XX/XX/2022 Account XXXX XXXX XXXX Date : XX/XX/2022 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 furnishes an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the reporting 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 information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: MI
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:
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 results from an alleged identity theft, not later than 4 business days after the date of receipt it has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished of my consumer report as they are in VIOLATION Under. 15 U.S Code 1681b - Permissible purposes of consumer reports ( A ) In General to subsection ( ) any consumer reporting agency may furnish a consumer report under the Following circumstances 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 credit report which is violation of my rights as a federal protected consumer. NO CONSENT IS IDENTIFY Theft and I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: RI
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 look on my credit report unknown things on report these are the list of the inqures i want revomed. XXXX XXXX on my report 2 times. XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Early Warning Services, LLC
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/21, I received a phone call that spoofing the phone number of the US Immigration and Customs Enforcement ( ICE ), they blamed me that I haven't updated my alien registration number and accused me of trying to hide my identity. They forced me to choose between being arrested for a few days for paying them a deposit called " Immigration Bond ''. They also spoofed the phone number of the XXXX XXXX Police Department to make me believe that I'm under the investigation of the FBI. Then, as a result, I have to choose to pay them the deposit, they said I have 30 minutes and have to do what they said otherwise I'll be against the law. They monitored my phone to force me to transfer an amount of {$1600.00} to them, the recipient is XXXX XXXX, and his email is XXXX. The account is verified by Zelle, therefore, I want to report Zelle in verifying scammers ' accounts. 

Zelle is backed up by many banks, so each of their customers should be legally authorized to have a bank account. However, Zelle shows no responsibility for aiding and abetting frauds and scams. By claiming no responsibility and offering zero assistance, Zelle and the banks using it are facilitating wire fraud and money laundering. Zelle accounts are all linked to US Bank Accounts, which means that Zelle knows the recipient 's real name and social security, and they can easily freeze or reverse the transaction, or even tell the sender who the money was sent to so they can file a small claims case. Instead, Zelle let XXXX XXXX, the owner of the above Zelle account must have used the same account to scam multiple people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: EQUIFAX, 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:
This information is incorrect, fraud, please delete this information. all inquiries is fraud. 
THIS INFORMATION IS INCORRECT IS FRAUD DELETED INFORMATION PLEASE. LEASE END 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 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's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I reached out to Transunion two times already to delete fraudulent accounts they manage to not delete the last one, which is a XXXX store card that is a result of identity theft.

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 2023-09-17
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX ACCT # XXXX This account is reporting inaccurate information on my credit report. I have attached supporting documents below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: AL
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:
I was reported deceased illegally trought all XXXX credit report agency unlawful activity was use on my credit report company using my name to XXXX credit or file for insurance funds stated I was reported deceased an my date of birth was illegally change incorrect information cause me to lose money debt card company Data Base so I never could contain a credit score due to this incorrect information I requested everything should be removed deleted off my report I am not deceased I am alive now I'm a victim of identity theft stolen employment funds stated of Alabama denied my employment verification received payment due to my Equifax states I was born in 1984 false information to all credit bureaus force me to have no credit an lose money an benefits

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: SIMMONS FIRST NATIONAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Several years ago, I opened XXXX XXXX XXXX XXXX accounts with Simmons Bank in XXXX, MO. After turning XXXX, the XXXX XXXX XXXX XXXX withdrew the balance from the account associated with her and closed the account. This didn't sit well with me, but I accepted that she was 18, believed that it was within the rules, and let it go without inquiry.

When I received my most recent bank statements last month on the remaining two accounts, I noticed that the balances had been withdrawn on XX/XX/XXXX and the accounts also closed. I stopped by a local Simmons branch ( XXXX ) to verify and inquire as to how this could have happened. I was the only XXXX on the accounts AND both XXXX, at XXXX and XXXX, are too XXXX  to even make withdrawals without my presence, let along close my accounts. ( Upon their request a couple months back I had mailed them both a check in the amount of the respective balances, but had decided to leave the accounts open with small balances for my personal use. ) The branch manager confirmed the withdrawals and closures, printed me out the withdrawal slips that had been signed, apologized, and confirmed that neither the withdrawals nor closures should have occurred. I left with mixed feelings about what to do. 

I texted my XXXX XXXX XXXX asking if she had signed the withdrawal slip that had her name on it. She replied that the question put her " in a tough spot '', and she didn't want to answer. From that, I assume that it is very possible their mother, my ex, may have even forged the signatures. It is my affirmed understanding, however, that neither the children nor their mother should have been able to accomplish transactions on these accounts. 

So, I reached out directly to Simmons Bank Customer Service and spoke with XXXX. XXXX confirmed that the transactions per bank policy should not have occurred and put me on hold while she contacted the XXXX XXXX, MO branch, the location of the transactions. She returned to the call and informed that the manager had gone for the day, but could contact me the following day. I replied that I felt too upset with this branch to speak to the manager and asked if she could be our go-between. She agreed, and agreed to call me back the next afternoon after speaking with the manager herself. As of yet, I have not received her callback.

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 2022-10-09
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have 2 collection accounts that are not mines. The XXXX  acct attached does not belong to me Im not sure were they got this from. They say they have a judgement against me but Ive never been served any paperwork. This needs to be removed from all 3 credit bureaus. They are harassing me. 
The other attachment is a XXXX XXXX  that is not mines. Im not sure what this is and does not belong to me. Please remove from all bureaus as this is fraudulent. Ive called both companies with no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: EQUIFAX, 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:
Companies failed to provide an accounting ledger and sign disclosures by law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an email at XXXX XXXX  EST today ( XX/XX/2023 ) from TSI asking that I owe XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$52.00}. I have not contacted the debt collection agency. My last name matches with the last of the actual person. TSI created an account using my email address without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Experian Information Solutions Inc.
State: AL
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:
I was reported deceased illegally trought all XXXX credit report agency unlawful activity was use on my credit report company using my name to XXXX credit or file for insurance funds stated I was reported deceased an my date of birth was illegally change incorrect information cause me to lose money debt card company Data Base so I never could contain a XXXX XXXX due to this incorrect information I requested everything should be removed deleted off my report I am not deceased I am alive now I'm a victim of identity theft stolen employment funds stated of Alabama denied my employment verification received payment due to my XXXX states I was born in 1984 false information to all credit bureaus force me to have no credit an lose money an benefits

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 2021-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I am trying to get a mortgage from Bank of America. My loan officer ( NMLS # XXXX ) continually ignores me when I message her asking for certain documents such as conditional loan approval. She refuses to communicate with me in a timely manner and this is causing much duress on my behalf. I believe her refusal to work with me or communicate with me is racially motivated. I have attempted to contact her manager but to no avail, my messages go ignored. At this point, I am in danger of losing a deposit on a home of {$25000.00} and my loan officer still ignores me.

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 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 TransunionXXXX XXXX XXXXiolated my rights under 15 Usc 1681 section 602 A. States I have the right to privacy. 15 Usc 1681 section 604 A. section 2 Also states a consumer reporting agency can not furnish a account without my written instructions please help me with this matter as soon as possible thank you

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 2022-10-09
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Heartland ECSI has a predatory payment fees structure. It purposely provides users with a misleading outline of payment processing fees. More specifically, it states that you can make a payment without incurring a processing fee by using direct debit through your checking or savings account. However, when you go to make a payment, both debit card and direct payment from bank ( checking or savings ) are available options. When you select either of these options, they both have fees ( 3.95 % for debit card and {$1.00} for direct bank payment, respectively ). This is purposely confusing and misleading. The ECSI FAQ on fee structures is also confusing and has language borderline contradictory to other information on fees ECSI provides. Furthermore, there is no option provided when making a payment to select a fee-free method ( I can not locate this " direct debit through bank '' option ). Upon investigating more, I've found that there is no fee-free method of conducting a one-time payment. The only way to pay fee-free is to set up a reoccurring direct debit payment, which is effectively no different than a one-time payment via the same direct debit payment method ( however, the one-time version charges the {$1.00} fee ). There should be no obligation for an individual to have to consent to reoccurring withdrawals from their bank account to get access to fee-free online payments. Forcing an individual to consent to this is both anti-consumer and puts them at risk. 

What I find most disturbing is that, based on their fee structure, there is no way to make fee-free online payments toward your loans until they are actively accruing interest. In an attempt to avoid paying the fees, I tried signing up to make regular direct debit payments from my bank. However, I wasn't able to change the date when the payments are made, and the date was locked to a date after my loans become active and start accruing interest. This should be illegal ( if it isn't already ). There is objectively no difference in the processing cost of these payments for Heartland if they occur before vs. after the loans become active. To allow fee-free direct bank payments only after the loan starts accruing interest is purposely predatory.

Company response to consumer: Closed with explanation