BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: CA
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:
The follow items are suspected of being a product of fraudulent activity .My Ssn and all person information have been leaked online.I believe this has lead to some unauthorized use of my credit, credit cards, and personal information. I have files a police report and the items on my report i believe to be affected,. see atttachment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Chime Financial Inc
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23 I deposited a {$200.00} check via my banks mobile app. I have deposited the same check for a few years now on the same account, around XXXX times total. Usually chime releases at least {$200.00} of the check within the business day. However, I am being told they just hold the funds for XXXX business days without reason. Here is the BANKS RESPONSE : Hi XXXX, Thanks for reaching out to Chime Member Services regarding hold on your Mobile Check Deposit. I appreciate you bringing this matter to our attention. I understand that this has been inconvenient for you and I appreciate your patience in this matter. I'm here to assist you. 

Looking at your account, we received your {$200.00} check from XXXX but it has a hold of 5 business days. 

I understand as you said you are depositing the same amount check in your account which was deposited previously. We want to make sure your check doesnt bounce and you don't face any kind of issue. 

Your money will appear in your account by end of day XXXX 5 days after deposit. 

If your check bounces, well send you a notification. 

We use a number of risk-based factors to determine which checks require holds, and this means some checks might have a hold while others do not. 

I hope this info helps! Your satisfaction is our motive. If you have any further questions or need additional information, please don't hesitate to reach out. I'm here to assist. 

Thank you for choosing Chime. 

Best regards, XXXX | Chime Member Services MY RESPONSE : Hello, I have consistently deposited the same check, as you have noted. Based on my account history, there are no red flags, no reasonable cause to believe the funds are uncollectible from the paying bank, no emergency conditions, no check redeposit, the total amount is less than {$5500.00}, and this is not a new account. 

According to ECRF.gov ( Refer to 12 CFR 229 " Availability of Funds and Collection of Checks ( Regulation CC ). '' ) Chime should release up to {$220.00} of this check on the next business day after deposited. 

Thanks for your time, XXXX XXXX I have never had an issue with Chime until now when I deposited this check. I believe they are holding these funds without proper justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This formal complaint is against TransUnion. I have disputed with TransUnion a few times regarding the inaccuracy of late payments being reported on my consumer credit report. Multiple dispute letters were mailed to TransUnion, contacted directly over the phone, and documentation was provided to them. I received your response stating that the late payments on my consumer reported were verified as accurate. Even after TranUnion 's reinvestigation, the inaccuracies still appear on my credit report. 

XXXX is in CLEAR violation of the law. Pursuant 15 UC 1681a 2 ( A ) ( i ) and this constitutes to inaccurate reporting. 

Exclusions Except as provided in paragraph ( XXXX ), the term consumer report does NOT include : ( A ) Subject to section 1681s-3 of this title, ( i ) Any report containing information solely as to transactions or experiences between the consumer and the person making the report ; The Law Clearly States : Transactions between the consumer ( ME ) and the person/company ( XXXX XXXXXXXX or XXXX XXXX XXXX  ) making the report is NOT INCLUDED on my consumer report. A late payment is a transactional history, My History with the company. CONGRESS clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports.

TransUnion ( the consumer reporting agency ) has VIOLATED the FCRA 15USC 1681a 2Ai by reporting these transactions and experiences, reflected as late payments on my consumer report which CONGRESS clearly states IS NOT included on my consumer report.

In accordance with the Fair Credit Reporting Act, TransUnion has also violated my following rights : 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 states that consumer reporting agencies can not furnish an account without written instructions 15 USC 1666b timing of payments states a creditor may not treat any payment on a credit card 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 2023-08-11
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists Please delete this account immediately from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
They closed my account without my 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 2023-06-11
Company: Experian Information Solutions Inc.
State: MI
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:
A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires resentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. Pacific concrete F. C.U. v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( XXXX ), XXXX XXXX XXXX XXXX XXXX ). Fooks v. Norwich Housing Authority 28 Conn. L. Rote. 371, ( XXXX XXXX, XXXX ), and town of Brookfield v. Candle wood Shores Estates , Inc. 513 A. 2d 1218, 201 Conn. i ( XXXX ). And Solon v. Godhole, 163 III. App. 3d 845, 114 III. Dec. 890, 516 N. E. 2d 1045 ( 3 Dist. XXXX ). UCC 9-201- Request for accounting. F.R.C.P. ( F.R.E. ) 1002 says you are entitled to the original which can never be produced because it was destroyed when the federal reserve bought your application for credit.

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 2022-06-16
Company: Experian Information Solutions 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:
N accordance with the fair credit reporting act Department XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Has violated my rights. 

15 U.S.C 1681section 602A. States i have the rights to privacy.

15 U.S.C. 1681 section 604A. It also states consumers reporting agency can not furnish a account without my written instructions.

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 2023-02-24
Company: GOLDMAN SACHS BANK USA
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/23 - Account opened online and {$65000.00} transferred to the account. POA paperwork will be needed for this account and an ( incorrect ) mailing address was provided for that purpose. POA paperwork sent via the USPS. 

XX/XX/23 - The next day, online access to the account is " temporarily locked '' - i.e., no access to the {$65000.00} in the account. 

XX/XX/23 - Called customer service to unlock account. They respond that it will not be possible until POA paperwork is received. I am asked to wait longer. 

XX/XX/23 - Account remains locked. Again, I call customer service and am told to continue waiting. The account can not be unlocked until the POA paperwork is received. 

XX/XX/23 - Account remains locked. Again, I call customer service and am told to continue waiting. 

XX/XX/23 - Account remains locked ( now a full 3 weeks since the POA paperwork was submitted ). " XXXX '' in customer service now tells me that the address I was given to submit the POA paperwork was incorrect. She's " sorry '' and " it can take weeks for the paperwork to find its way to the correct location ''. I request and am given the correct mailing address for the POA paperwork. 

XX/XX/23 - Account remains locked and no funds are accessible. POA paperwork is resubmitted to the correct address ( XXXX XXXX XXXX XXXX, PA XXXX ). Mail is sent certified this time. 

XX/XX/23 - POA paperwork is received and signed for by a representative of Goldman Sachs at XXXX XXXX 

XX/XX/23 - Account remains locked and no funds are accessible. Again, customer service is called. The initial representative is no help as she recounts the correct mailing address, etc. I ask to speak to a supervisor. 

I speak to " XXXX ''. She tells me ( after a lengthy hold ) that Goldman Sachs does not have the POA paperwork yet- this despite my going over the contradictory information, tracking number of the mail, date delivered. At first I am told that it can take 2-3 business days for them to process the paperwork ; however, when I point out that it has now been 3 days that the paperwork has been in their hands, I am again told that this can take " weeks ''. 

I ask to speak to her supervisor and am told there is NO ONE over her who will talk to me on the phone. 

I ask to submit an escalation and receive a return call from someone who can help me get the account unlocked. She agrees to submit the escalation request, but she reminds me that it will only be a supervisor " like her '' who calls me back and they " won't be able to help me either ''. 

I ask XXXX to put it in the notes that I intend to file a complaint with CFPB as these " locked '' funds will be needed to pay bills next week and if that does not occur, penalties and/or other harm will occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
It is my Natural Born Lawful Right under Federal Law of the Fair Credit Reporting Act, Pursuant to Title XXXX chapter XXXX. to Assign, Demand, and Direct Any Communication with any individual Company or organization. Compliance and to Act in Good Faith. your Company Must Comply to Federal law. I recently Checked my Credit Profile, and I have found Evidence of Unauthorized accounts. On my credit Profile that is Currently being reported with out my express written Consent From your Company and the Parties that furnished Data to you. It is your companies duty to carry great responsibilities of furnishers information. Pursuant to Title 15 USC Code 1681s-2. it is the furnishers duty to provide accurate and true information on a consumers profile. pursuant to Title 15 USC Code 1681s-2 ( 1 ) ( A ). your company is in Full acknowledgement of errors, and continued to report so I enable identity theft. And damages of {$100000.00} a day Fine for personal information being stolen or used without my express 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 non-monetary relief
Consumer complaint received 2021-12-28
Company: Experian Information Solutions Inc.
State: MD
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:
On Monday XX/XX/2021 at XXXX ( EST ), I received two emails from XXXX XXXX XXXX  confirming opening of both a checking account and a savings account. Both accounts were opened fraudulently. XXXX XXXX XXXX  ( and XXXX - read below ) allowed both accounts to be opened even though I have identity theft flags on my credit reports which I updated through the CFPB consumer portal in XXXX ( 2021 ) as a result of XXXX allowing a checking account to be opened. I immediately called XXXX XXXX and was transferred to a rather combative CS Manager in XXXX XXXX XXXX fraud department who went so far as to say to me ( on a recorded call ) that " [ he ] didn't have time to stay on the phone '' when I began asking him questions about how the account was opened?, was it opened online or at a branch?, what proof of identity was provided to open the accounts?, how were the accounts opened when I have identity theft flags on my reports as a result of the XXXX breach ( and considering I updated the identity theft flags notifying all three credit bureaus that fraudulent accounts were opened )? He said I would receive a letter in the mail in XXXX days but claimed, contrary to FTC regulations , that XXXX XXXX would not provide me the information of how the accounts were opened, what identity information was used to open the accounts, what federally mandated ID was provided to open the accounts, etc... XXXX XXXX you will provide me with the information about how the accounts were opened. I ask the CS manager who 'approved " the accounts being opened and he specifically named XXXX ( again, this is a recorded call ), thus XXXX XXXX has twice now, first with XXXX and now XXXX XXXX XXXX, within a XXXX period, approved fraudulent accounts being opened, EVEN THOUGH ALL THREE OF MY CREDIT REPORTS ARE LOCKED and even though my credit reports have been flagged for identity theft since I received notification of the XXXX XXXX  breach... 

I spent nearly 1.5 hours at a XXXX branch, thus face-to-face and with the Branch Manager, being put through the hoops to open accounts because of the identity theft flags, YET XXXX has, twice , approved online accounts to be opened. 

I am adding XXXX and Experian to the complaint for notification purposes.

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 2020-07-28
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Attached is a letter from XXXX XXXX  for proof of payment of the the following credit card accounts listed on my XXXX and XXXX credit Report : XXXX XXXX XXXX  # XXXX, {$250.00}, XXXX XXXX XXXX # XXXX, {$330.00}, XXXX XXXX XXXX  {$100.00} and XXXX XXXX {$610.00}. I want XXXX and XXXX to make a notation that the accounts are paid off and I want the accounts immediately closed, deleted and removed from my XXXX and XXXX 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 non-monetary relief
Consumer complaint received 2023-09-22
Company: CCS Financial Services, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In late XXXX I cancelled an insurance policy with XXXX XXXX and purchased a policy from XXXX that more fit my needs. At some point later I became aware that a collection had been filed from XXXX with Credit Collection Services. I contacted XXXX to discuss the {$140.00} that CCS claimed was owed. XXXX customer service representative informed me that it was a mistake and that XXXX owed to me a balance of {$92.00}. They sent a check to me for {$92.00} and at that point I believed that the matter had been resolved. I was wrong. CCS continued to hold my account in delinquency. I have uploaded to CCS website a statement from XXXX dated XX/XX/XXXX showing that there is {$0.00} balance due. This did not resolve the issue. I again contacted XXXX on XX/XX/XXXX and had a three-way phone call between myself, XXXX agent XXXX XXXX XXXX and an agent from CCS. XXXX went through the procedure to electronically clear the collection as instructed by CCS agent. I waited thirty days and then called CCS on XX/XX/XXXX to verify that my record had been cleared. I was first told by CCS agent that XXXX XXXX did not have the authority to clear the record. I then asked to speak with a CCS supervisor, XXXX XXXX. XXXX XXXX claimed there is no record of our three-way phone call on XX/XX/XXXX or any record of the order put through by XXXX XXXX XXXX XXXX had sent an email to me outlining the electronic order. I uploaded a copy to CCS website on XX/XX/XXXX. 
This collection has decreased my XXXX score by XXXX points. I do not know if this attack on my reputation is by mistake or is malicious. Due to the refusal to correct this abuse, I suspect the latter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: National Credit Systems,Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
National Credit System refuses to speak to me about the alleged debt and says their attorney is the one who will be taking care of the debt. The office is not a real attorney office and National Credit Systems is a third party with no rights to collect. 

3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. 
Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. 

( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. 

( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. 

( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX  XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: Driveway Finance Corporation
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
The allocation of payments has not been made accordingly. I recently made a {$1300.00} payment to cure the late fees and get back on track, but for some reason, I can not get an answer as to why the additional principal payment is not being applied to the late charges. 

I am requesting that XXXX XXXX please waive the late fees on the account so that I can get back on track.

Company response to consumer: Closed with explanation