BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have been trying to get late payments removed from my credit report for over 60 days. I file disputes on their website, and when I didn't get any results/responses, I hired a credit company, XXXX XXXX and have been paying {$110.00} a month to get these removed. Letters were sent by this company over 45 days ago. 26 request only 1-2 removed. This doesn't make any sense. These late payments were approved by the companies during pandemic and all monies owed, since then have been paid in full. I also ask them to remove the company that ran my credit without my consent. Nothing is being done and I an getting frustrated and very concerned. I am trying to get approved for a home and they will not even consider my application until these disputes are resolved. Please help 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 explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 would like to state that Transunion is in violation of 15 USC 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, a federally protected consumer, never gave Transunion any written consent to report anything on my credit report. No consent was given and this is identity theft. 
I would like to state that pursuant to 15 USC 1681 ( a ) ( 2 ), the banking system is dependent upon fair and accurate consumer reports. By Transunion allowing these inaccuracies to be illegally furnished on my consumer report, it has caused me to lose confidence within the banking system.

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 2021-10-07
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XX/XX/XXXX current on payments XXXX XX/XX/XXXX current on payments XX/XX/XXXX no data XXXX XXXX XXXX XX/XX/XXXX current on payments XXXX XXXX 30 days past due XXXX XXXX  60 days past due XXXX XXXX 90 days past due XXXX XXXX 60 days past due I am missing data for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX 2 late payments were previously removed per dispute. All should have been removed per natural disaster and covid 19

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 2021-10-06
Company: EQUIFAX, INC.
State: SC
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Debt collectors are not supposed to commit abuse, deceptive and unfair debt collection practices but your firm has done so. 

By coercing me to pay on an extension of credit. This is a violation of 18 USC 894. 

First thing, You do not have any lawful right to be in possession of my identifying information. 

Secondly, I didn't give you consent to furnish this alleged debt, that is violation of 15 USC 1692d ( 4 ). 

Coercing myself to pay you an alleged debt by ruining my financial reputation is a violation of 18 USC 894. Now because you all benefit at my expense, the debt collector, original creditor, and consumer reporting agencies are engaging in racketeering activity 18 USC 892 ( b ) ( 1 ) -Companies have no right to attempt to collect the alleged debt by way of judicial processes. 

Again debt collections can't lawfully : Possess by identifying information, Contact me about an alleged debt, ruin my credit, or SUE me for nonpayment of a debt. 

Please understand Debt Collector or your firm have no lawful standing. 15 U.S. Code1692i ( b ) Trying to punish me for a nonpayment of a debt by furnishing it to the CRAs is a violation of 18 usc 894 and carries a criminal penalty of 20 years. 

The last thing Jefferson Capital System needs to understand this is also aggravated identity theft 18 USC 1028A I'm requesting for this alleged debt entry to be removed and deleted ASAP from all three reporting CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Yamaha Motor Finance Corporation USA
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:
I, XXXX XXXX, Consumers am aware Dated on XX/XX/2022 CFPB complaint ID XXXX that Yamaha Motor Finance Corporation U.S.A Stated Yamaha Financial Services is required to report accurate information to the credit bureaus : therefore we can not accommodate your request to remove the negative information : however, we have requested the credit bureaus to flag the tradeline as Disputed However,

Congress Policy under Gramm-Leach-Bliley Act makes it very clear that such Financial Institutions are REQUIRED to give their Customers/Consumers the opportunity to exercise their right ( s ) to Opt out of furnishing their nonpublic personal information ( See 15 U.S. Code 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) ). ( B ) the consumer is given the opportunity, before the
time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

XXXX XXXX XXXX Yamaha Motor Finance Corporation U.S.A CEO now all I, XXXX XXXX, need for you to do is clarify that youve complied with Federal Law Gramm-Leach-Bliley ACT as required to give me ( XXXX XXXX ) customer and consumer such opportunity to exercise my rights to Opt out of furnishing my nonpublic personal information. 

Respectfully, Thanks, Best Regards. 
XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: FL
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 appreciate your assistance in REMOVING a portion of the data in my credit file that resulted from FRAUD, but I still have items passed on that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report from a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance XXXX XXXX {$12000.00} ; XXXX XXXX XXXX  Balance Owed XXXX {$0.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$3500.00}.

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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 

XXXX XXXX ( Original Creditor : 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 2021-10-06
Company: I.C. System, Inc.
State: IL
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:
XXXX/ I.c . System is reporting and u verified collection on credit report by I.C. SYSTEM, INC in the amount of XXXX. Both XXXX and I.c. System are in violation of my rights by reporting a derogatory account on my credit reports that they have not provided proof of verification for. 
The was no written form of communication contact or signature the accused debt at all. 

They are required to provide the original contract agreeing to pay this amount bearing my signature Provide / prove that the limitations had not expired this account Show that they are licensed to collect in my state Validation must include pay off disclosure Interest rate disclosure Balance history Payment history Credit insurance

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 2023-02-06
Company: EQUIFAX, 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:
I sent a certified letter asking XXXX, XXXX, and Equifax to investigate my accounts. I have the tracking available at request. It has been over 30 days. These consumer reporting agencies are in violation. In accordance with the fair credit reporting act, my rights have been violated.

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. Also states a consumer reporting agency can not furnish an account without my written instructions.

Furthermore, According to 15 U.S.C 1681i, XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

They also didn't record the current status of the disputed information which is another violation. 

I have attached evidence of the letters sent to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/2022, I reported scam/fraud to my bank ( USAA ) for someone getting my login information who then deposited fake checks and wired money out of my account and resulted in the bank ( USAA ) making me reliable for the {$10000.00} that was stolen. As of XXXX XXXX, they have frozen my bank accounts and stated that I am no longer eligible to bank with them ( USAA ). They also will be sending the case to collections if I do not pay them back within 60 days which will severely impact my credit. I have been a long time customer ( over 10 years ) with no issues and the bank ( USAA ) is unwilling to help me with the scam/fraud and has created a huge problem for me and my family. I can not pay my bills since they are withholding my money, bills that were paid are bouncing and resulting in even more fees, and the bank ( USAA ) has turned me into the bad guy since my login information was compromised. I thought I was a member of a customer loyal company but they ( USAA ) have completely turned their back on me. It is hurtful and has caused extreme stress and pressure on my family. This is shameful coming from a company that states they are there for their customers who are part of the military family and community.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: EQUIFAX, INC.
State: WI
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Payfare International Inc.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Saturday XX/XX/XXXX I went to use my XXXX XXXX XXXX that had money in it from XXXX  that same day. When I went use the card it kept declining for unknown reasons. I called the customer support number I was given from the app. I spoke with someone on XX/XX/XXXX and was told that my complaint would be sent up to the specialist and would be cleared up within 24hrs. I called back XX/XX/XXXX and was told that no one could help me resolve my issue and that a specialist would have to help me but they werent able to transfer me to a specialist. I was told I would receive a email notifying me about when everything will be cleared and I never received one. I only received a email giving me my claim number. Ive tried calling the customer support number multiple times since then and was unsuccessful with getting through to anyone. Its now been 5 days and Im still unable to access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting a collection account for XXXX  that was opened in 2019 this account is not mine and I have disputed and requested verification that it belongs to me. They do not verify and continue to report and change information. I had disputed with experian and they had deleted it and then XXXX XXXX reported again as past due. They have not sent any bill and continue to not verify this debt. Experian also does not investigate and validates the debt in less than a day. Indicating absolutely no investigation.

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 2022-11-16
Company: Experian Information Solutions Inc.
State: DE
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2021-10-07
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Experian and XXXX show in my credit report two bankruptcies as public records reported from two different courts on the same date XX/XX/XXXX in the bankruptcy court of the city of XXXX, Fl and in that of the city of XXXX Fl with different numbers of records on the same date : XXXX for US BKPT CT FL XXXX and XXXX for US BKPT CT FL XXXX. 
The public record of bankruptcy was filed in the XXXX court of initiation, but was transferred to the XXXX court where the Discharge of debtor was concluded on XX/XX/XXXX. The fact that the credit reporting agencies show how I publicly record two bankruptcies on my credit report prevents me from refinancing my home.

It is impossible by law to file two individual bankruptcies on the same date and year even so these credit reporting agencies show that I have two bankruptcies on my credit report when without a reasonable doubt they are shown on the same date and even only that of the bankruptcy court of the city of XXXX Fl. shows that it was resolved on XX/XX/XXXX and that of the city of XXXX Fl, as an unsolved petition.

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 2023-07-20
Company: Consolidated Credit Solutions, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I got a phone call from XXXX saying that they could connect me with a credit service to consolidate my debt. They connected me with a man named XXXX who said he's with a company called Consolidated Credit which I looked up and looked legit. He asked me a series of personal questions and I gave him my social security number because everything seemed legitimate and he said he could help me. Now I am very concerned that he may have stolen my information as he said he would call me back but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A fraudulent charge was made on my account on XX/XX/2021. I contacted XXXX, who was the merchant, and had them cancel the order, but could not refund me my money because it was a fraudulent charge and told me to go through my bank. When I did I submitted all my paperwork, allowed them a month to investigate, and have had to continuously follow up with them. Their agents would have me go over my case all over from beginning to end and would not provide me with an update, much less a resolution. It is now almost the 90 days and they have not resolved my case and when I called yesterday, XX/XX/2021, they told me the case and appeal has closed. There has never been any communication from them and I have had to follow up with them to never get an answer. I ask to speak to supervisors and after asking them what the reason for them closing the case is, they never give me an answer and leave me on hold which then leads to them never coming back on the line. I am really frustrated that so much time has gone by and I still do not have a resolution, much less my funds back. I have been a Citibank customer since I first opened my first account in my teen years and never thought they would be this disloyal and uncaring for 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 monetary relief
Consumer complaint received 2023-02-01
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:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation