BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 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 XXXX 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 2021-07-26
Company: Presto Loan Center, LLC
State: AZ
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:
The title loan account was opened in XX/XX/2015 the company did not disclose that they were reporting payments to the credit bureaus, this was optional at that time according to the advertisements, the employee at the store made this determination on my behalf without consent. They are a predatory lender with a much higher interest rate than advertised. They violated TILA, falsely advertised, and represented rates making it impossible to meet the terms as a consumer. They tried to keep the vehicle as it was in their possession from the time the loan was in place. The loan defaulted, once defaulted we paid the loan in full plus any fees they charged. These fees were never provided upfront or officially disclosed in any documentation, it had to be what they said we needed to pay plus storage fees and other bogus fees. Presto would not give us the location of the vehicle after payment, we had to go to several local warehouses to try and locate the vehicle on our own with little to no cooperation. This company takes advantage of consumers. I have disputedPresto 's credit reporting practices over the last 3 years countless times and they continue to falsely report when they were not authorized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS.

On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2022-12-16
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A year ago a Jefferson Capital Systems , LLC contacted me claiming I owe a debt that I know for fact never happened. They claim I had a XXXX account years ago. I never made any large transactions using XXXX. I disputed this claim and reported it as fraud. They said they would delete it from their system. 

I contacted XXXX and they said that I never had an account and show no records or any transaction. They believe that someone stole my identity or this was a scam. 

On or about XX/XX/22 another company XXXX, XXXX contacted me about the same debt owed. The original company Jefferson Capital lied to me and did not delete the debt, instead the soled my information to another company XXXX. I contacted them and gave them the same information. Neither company will provide me with any details as evidence or documentation to this fraudulent transaction. Both companies REFUSE to provide any evidence or documentation. Both companies continue to lie, and harrassment. Again I asked to dispute this debt and mark as fraud. 

On further investigation I have found out that XXXX doesn't even have account numbers as provided by these companies and as such the account number provided by XXXX XXXX is fictitious. Both companies are financial fraudsters using made up debts and account numbers. They are scammers. Also after investigation XXXX and associated reviews and reports online I find out that they have numerous complaints with others doing the same scam scheme. 

I want this abusive fraudulent behavior and contact to stop immediately and for these companies to be held liable for this conduct. Both companies should be investigated. I will seek legal action against both companies if this does not stop immediately. If they sell my personal information again to any other company legal action will be taken. The original personal information was not provided by me and I question how they obtained my information in the first place. Possible identity theft used to scam. If they report this debt to the credit union I will seek legal actions and sue for damages, unfair practices, harrassment, etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17
Company: Experian Information Solutions Inc.
State: CA
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:
The last time I sent out my dispute letters was on XX/XX/XXXX. I have yet to receive a response from either of the bureaus. The following account/s have errors that need to be corrected immediately by this XX/XX/XXXX. It has been 30 days since Ive sent out my last round of dispute letters, if I dont receive a response by XX/XX/XXXX, then by law according to the FCRA you must remove the account/s from my report within the next 15 days.

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 2021-02-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was notified yesterday that all 10 of my Synchrony Bank credit cards, both store cards and mastercards, were closed on XX/XX/2021. The agent said it had nothing to do with my pay history. I am a long-time ( decades ) customer of the bank. They indicated that they closed all of my accounts because I had too many account open with them. I had 10. I had just applied for a XXXX Visa card last week with them. They approved the account with a {$4000.00} credit limit. I have not even received the card in the mail yet and they already closed that card along with the other 9. Why wouldnt they just not approve my application if they know internally that when a customer hits a certain number of cards that it triggers the closure of all accounts. I have a perfect pay history with this bank. No warnings were given at all. This is very bad business. How can they extend credit and then rescind it before the card ever arrives? Does this mean I can never have another card through Synchrony Bank? Am I banned from applying for another card? I attempted to apply for one that was closed but it would not let me because it still recognizes that I have an account with a balance on it even though the account is fully closed. I intend to pay all of them off. Some of them had no balance on them. Ive never heard of this happening. Can they do this me when there is no negative history on these cards? If this is how they operate I would like to warn other consumers that they need to be very careful if they have a bunch of cards backed by this bank. They could shut them off at any time with no warning at all. You will still have to pay off all of your balances. But the law should not allow this to happen. It seems like a breach of contract somehow.

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 2021-07-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I would like to formally dispute the interest rate I am being charged on USAA credit card. I formally mailed the complaint 8 weeks ago and have called several times, getting bounced between credit card servicing and application. Noone can give me straight answers on why this has happened. They only tell me I need to keep requesting new cards to see what my new interest rate would be. 

My husband and I have the same credit history & address for the last 10 years. We recently applied for an investment mortgage and USAA sent our credit scores. My credit score is higher than his and has been at least that or equal to his throughout our marriage ; however, his USAA credit card ( same product as mine ) is HALF of what mine is. 

We both have and called in to customer service agents and have gotten all kinds of reasons why they are materially different. However, given the facts, I can only surmise that it is because I am female- which is tantamount to discrimination.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
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. 

XXXX  XXXX, has violated my rights. 

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

15 U.S.C 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 : States 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 response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
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: Account information incorrect

Complaint:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX XXXX This account has never been late and the balance that you are reporting is incorrect. *please see attached documents that payments have been made on time and the balance is incorrect.

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 2023-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2021-05-02
Company: EQUIFAX, INC.
State: OK
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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05
Company: ACIMA CREDIT, LLC
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:
On XX/XX/2021 I noticed an unauthorized charge on my XXXX checking account for {$260.00}. The company listed was called Acima Credit, for a loan XXXX. I never heard of this company so I disputed this charge with XXXX on XX/XX/XXXX. I also checked my credit report with XXXX, which showed an unauthorized loan for about {$5800.00}. I disputed this charge with XXXX at about the same time, and they reported on XX/XX/2021 that they would not remove this false account from my report. I also contacted XXXX about the sames time and they could not confirm that this was a bad loan, unauthorized by me. 

XXXX XXXX  purchased XXXX on XX/XX/XXXX, and subsequently on XX/XX/XXXX there was another unauthorized charge on my XXXX checking account for {$260.00}. I also disputed this charge with XXXX XXXX. 

My dispute is with XXXX for not removing this false loan from my report, and I also dispute with Acima Credit this loan. I did not authorize this. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
as directed by the federal law, local law enforcement and the FTC, I submitted my complete identity theft file to transition and their response to me by mail was that they declined it due to it being made in error, ( which it was not an error ), a misrepresentation of facts ( the facts are clear and I will attach them again, which included my tax returns showing my actual address at the time of the account creation ) or obtained goods or services, ( which I have not ),

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 2023-03-21
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Ok, I open a line of credit with NcState Employee Credit Union I refinance my loan and put my car in the loan which was {$4000.00} and also my credit card I have with them with a limit of {$5000.00} I also paid off 2 other credit card bills which they applied to the loan also, so with that and interest amount add up to {$23000.00} it was open back in XXXX XXXX and was close and charge off in XX/XX/2023 I try my best to keep up with the payment and in the middle of covid i was affected and default on the loan I am on a fix budget from social security XXXX so every month I was paying {$550.00} so they charge it off and put it on my credit all 3 agency, So please I am asking for help to remove if its possible I could not see the account number on my report but if access it is very noticeable I try all I could The Bank is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I recently applied for a car loan. XXXX  XXXX XXXX told the dealership they couldn't get a credit report because of a freeze on my account. XXXX XXXX has no freeze. XXXX  has no freeze. I don't know when or why there is a freeze. I did not put it on. When I spoke to Experian customer service ( impossible to get a person ), they told me the federal government put a freeze on my credit on XX/XX/21. First off, how is this possible without my knowledge? It is a violation of my privacy and civil rights to do that without my knowledge or consent. Customer service rep at your agency told me to write this complaint. I demand to know who put the freeze on my account and why? I will pursue legal action if needed. 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