BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2021-01-01
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Had emergency XXXX XXXX at XXXX XXXX XXXX XXXX in XX/XX/2018. My account was turned over to collections and then a judgment was filed against me. I had a court date but then received notification that court had been cancelled. A few weeks later I received a Satisfaction of Judgment Against Defendant stating that the debt has been satisfied and paid in full but it is still showing negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
State: DC
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:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX XXXX-Date of Inquiry XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Since XX/XX/2021, when I made the last transaction in my Coinbase account, I got the message : account in verification.

3 months have passed since that day and my account is not yet verified, I can not withdraw, add or move cryptos. I contacted the company and they told me that it would be solved shortly and not to send that claim again. Since the company has not solved it for me yet, I have looked at possible solutions online, they have not solved anything for me. until I get to this website thanks to a forum. I need a help now. I need to move those cryptos.

I hope you can solve it. Thanks greetings.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-29
Company: Paramount GR Holdings, LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I signed up for Solar Panels through a company called XXXX XXXX. I was quoted one price and when I received the price from a company named Goodleap who financed the Solar Panels the panels were twice the amount and the company XXXX XXXX did not finish installing the panels. Goodleap contacted me and said I have to make my monthly payment on the panels regardless of wether or not they installed them because I electronically signed the contract. My panel have not been finished and Goodleap is calling and texting me daily for payment. I went on the XXXX and Goodleap and XXXX XXXX have over 300 complaints of doing the same practice nationwide in the USA. I tried contacting XXXX XXXX to finish the installation of the panels and no reply. Goodleap has been calling other people in my neighborhood and telling them they can get a loan consolidation to pay them off and put their homes on the consolidation. this would mean you have a lean on your home. this is a a nationwide scam. I filed a report to my sate AG and making an appointment to speak with my congressman and sending this Information to any news channel that will investigate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 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 2020-03-28
Company: DISCOVER BANK
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:
Company check my credit without my consent which put hard inquiries on my credit I would like to get them removed it was improper use of my credit XXXX, XX/XX/2019 XXXX XXXX XXXX, XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
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 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 2022-05-06
Company: Santander Consumer USA Holdings Inc.
State: GA
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:
- A Lawful Contract has : ( 1 ) offer, ( 2 ) equal consideration, ( 3 ) acceptance by all parties for the contract, and ( 4 ) the signatures by all parties involved with the contract. Only the parties signing the contract can participate in the discussion of the contract : Full disclosure about the CONTRACT is imperative -Tai XXXX XXXX XXXX a living soul Woman, does NOT have a contract or a " wet ink '' Signature with the CORPORATION and/or CORPORATIONS D/B/A CHRYSLER CAPITAL, Inc., et al, etc- The CORPORATE FICTIONS/ENTITIES listed D/B/A CHRYSLER CAPITAL, Inc., et al, etc., are obviously trying to do harm to Me , the Living Soul Woman, XXXX XXXX of the family XXXX by coercion, force of threat, force of contract, payment of fictitious debt, etc -The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived -CHRYSLER CAPITAL is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 
-CHRYSLER CAPITAL is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

Chrysler Capital is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
-When CHRYSLER CAPITAL accepted my application, they became a trustee in a fiduciary obligation, and I became the beneficiary. As the trustee, they must do what's in the best interests of the trust ( held at the United States-Treasury ) . My social security number ( credit card ) extends credit to CHRYSLER CAPITAL from the trust. If CHRYSLER CAPITAL does not do whats in the best interest of the trust and give the beneficiary, me ( XXXX XXXX XXXX XXXX remove lien from my vehicle and remove charge off from my consumer report they are committing trust fraud ( malfeasance of office ).

-If CHRYSLER CAPITAL fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make CHRYSLER CAPITAL criminally and civilly liable for all actual damages pursuant to Title 15 U.S. Code 1681n and Title 15 U.S. Code 1681o.

- 15 USC 1602L states that all accounts are paid in full the moment I use my credit card ( SSN )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Opportunity Financial, LLC
State: VA
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:
My Identity was stolen in 2020 and XXXX accounts were open via fraud. XXXX, XXXX and XXXX, all have been dismissed with prejudice in court and removed from my credit report. 

However, XXXXOPPSLOAN continues to report erroneous information on my credit reports. I've sent them the police report I filed and FTC affidavit certifying these accounts were opened due to identity theft. 

I'm attaching the information already sent to XXXX/OPPSLOAN and demand they remove this erroneous information from all credit bureaus immediately. 

I demand XXXX/OPPSLOAN provide the picture ID used to open this account. Signed contract, if Esigned, the IP addressed used per ESIGN regulations. 

Failure to provide this information is a violation on FCRA, FDCPA and UDAPP government regulations and may result in future court/arbitration actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Erroneous Direct Violation Of The FCRA Professional Debt For two years now Ive been disputing these items im getting so angry please please remove these XXXX from my credit report these are fraudulent i file a police report and ftc report EXPERIAN WILL BE SUED and lawyer will be contacting experian if these items are not removed in the next two weeks!!!!! 

1. Account number : XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

2. Account number : XXXX Please Investigate and delete from my credit report 3XXXX XXXX XXXX  Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company communicating payment assistance or payment extension options

Complaint:
XX/XX/2022 was late on payments but made an arrangement to pay. Around the same time transmission started to have problems but I was informed that I wasnt paying the extra fee for insurance in which they would fixed the car. Late XX/XX/2022 car was repossessed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: CrossCheck, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/23, I wrote a check to XXXX XXXX XXXX for {$1400.00} and CrossCheck denied it. We had over {$50000.00}. in that account. I wrote another check for {$1400.00} and CrossCheck denied it, too. We had over {$25000.00}. in that account. If I hadn't had a credit card to use at the time that was approved, I'm sure they would have called the police to come arrest us. This is totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I had applied for an fha mortgage was aproved and sent loan terms just for them to take it back from me because my credit score dropped below there threshold because of there inquires my score dropped from a XXXX to a XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
equifax is NOT reporting account numbers regarding 2 accounts on my credit report. how is it possible for equifax to continue to report without such important information to help identify the accounts? without a account number these accounts are unverifiable. 

XXXX XXXX XXXX XXXX attached is a copy of my actual equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, 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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2023-02-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I was the victim of a new Online Scam that resulted in a loss of {$25000.00}. I reported this to Chase but did not specifically ask them to reimburse me as I was not aware that was an option until I spoke with the Detective managing my case today. I did have a long conversation about it with the XXXX XXXX of my Chase branch the next day - who also told me that she had talked to 3 people the week before who had the same thing happen to them. 

The scam began when I got a popup on my computer and my computer was completely frozen. The popup had a XXXX banner that looked completely legit and stated that XXXX XXXX had detected malware on my computer and to call XXXX for assistance in getting the malware removed and my computer unlocked. After trying unsuccessfully to get around the popup on my computer I finally called the number. The phone was answered as XXXX does answer their calls and I was transferred to a XXXX XXXX '. He indicated that my phone might be hacked so he was going to call me back on a secure line. He called back from XXXX. He had me download XXXX software to allow him to see my screen. He then had me execute a couple of command window programs which ultimately indicated that my IP address had been used to download XXXX XXXX. He asked my to look at my Chase account and see if I saw any unauthorized transactions. I did not. He then said he was going to have Chase call me to try and see if there were unauthorized transactions and asked for the number from the back of my Debit Card. I received a call from that number and was told that he could see 3 transactions of {$6000.00} from my Checking Account and {$10000.00} and {$9000.00} from my Savings account from the website for the XXXX. He said he could not block the funds from being withdrawn from my accounts so what he wanted me to do is withdraw the cash from the accounts and buy XXXX. I personally withdrew {$6000.00} from my Checking Account and {$19000.00} from my XXXX account. I created a Bitcoin Account at a local kiosk, uploaded the cash and when that was completed I sent a picture of the Paper Wallet to the guy who represented himself as Chase XXXX. While I was doing this he was monitoring things on my phone using the XXXX app. He said that when everything had been repaired he would then restore the funds to my accounts. Of course that never happened as this was a scam. I am not easily duped in most cases, this was very professionally done all throughout the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TD BANK US HOLDING COMPANY
State: DC
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:
This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited a cashiers check from XXXX XXXX XXXX and Chase Bank placed a 7 day hold on this cashiers check. 

They have no reason to believe the check issued by XXXX on behalf of XXXX XXXX XXXX would be NSF. 

I spoke with Chase and they were able to verify funds with the issuing bank and still refused to release the funds. 

Additionally I previously deposited a check from the same Credit Union and the same cashiers check that already cleared and poted to my account. 

I have been charged several {$34.00} charges for being overdrawn when in fact my account has had money in it since XX/XX/23 via a cashiers check deposit of {$5000.00}

Company response to consumer: Closed with explanation