BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-03-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have discovered that Equifax has added accounts to my consumer report that are a result of an alleged identity theft. These accounts contain details that have no connection to any of my transactions, and I did not gain any benefits from them. To tackle this issue, I sent Equifax a written correspondence that provided evidence of my identity, an identity theft report, identification of the inaccurate information, and a statement, as required by law. According to the law, Equifax is obliged to block and remove the accounts within four business days from the date they received my notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Sentry Credit, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a lease in a property in XXXX XXXX. Because I was struggling to pay my lease when my hours we cut, the landlord offered me a solution of leaving the property and just paying what I owed as far as past due rent, however when I moved out of the house, the management company continued to charge me for future rent, even though I was not living at the property. They also charged me for a ridiculous amount of things in the house of regarding some repairs repairs that were not correct. In fact, I left the property in better way condition than when I took it. I remodeled the entire house and had it professionally painted as well. I also hired a professional company to clean it when I moved out. I called the management company several times and asked them to send me the itemized items that were supposedly due by me and they never responded. I asked for the telephone calls between me and the landlords attorneys and the court files to prove that I did not owe all that the money but nothing was sent. They said I They reported The false amount owed on my credit report making it very difficult for me to obtain any new credit and my XXXX XXXX was effected greatly because of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Opened a business account with Truist ( XXXX, PA branch ); received a wire transfer of approximately {$110000.00} into business account; had to wire transfer {$70000.00} grand to a cryptocurrency account since seller deals in XXXX; didn't transfer enough to cover medical equipment so made another appointment for XX/XX/23 to wire the rest ; bank called to tell me my account was locked based on suspicious activity ; bank didn't tell me what I needed to provide to unfreeze the account ; XXXX and XXXX are the XXXX employees involved in the erroneous freezing of my accounts ; neither of them have told me what to submit to ease " their '' suspicions. XXXX made a comment about my only using {$100.00} to open business account ; I explained all of that during the business account opening ; truly concerned that a bank can freeze my assets based on personal suspicions ; PLEASE HELP

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 2023-01-25
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Multiple calls were made to my personal phone number DAILY from the same company with different numbers. This continues to happen even after a call on XX/XX/2022 ( I believe ) to this company to desist and that we would sign over our vehicle back to them. 

I notified the company around XXXX XXXX, 2022 that my income had GREATLY decreased and that we would do our best to pay. They notified me that I could not lower my payments and told me to pay and threatened repossession and that they would report my delinquent activity to the credit bureau. My family couldnt afford to eat working on a XXXX budget with an auto loan that cost {$500.00} per month and would sometimes throw my account way more in the negative.

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 2023-08-24
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:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain information on my credit report based on my rights under the Fair Credit Reporting Act ( FCRA ). The specific sections I am referencing include : 15 USC 1681 Section 602 - This section establishes my right to privacy. The information being reported violates this right as it inaccurately represents my financial behaviors.

15 USC 1681 Section 604 - According to this section, a consumer reporting agency may not furnish a report without my written instruction. I have not provided such instruction for the items I am disputing.

15 USC 1666B - This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit report for any reason. The items I am disputing seem to violate this provision. 

The following items on my credit report are inaccurate and need to be addressed : XXXX XXXXXXXX XXXX  - LAST 4 SS # XXXX XXXX XXXX - LAST 4 SS # XXXX I ask that they be corrected on my credit report. If these items are verified, I request written documentation that confirms their accuracy. 

Thank you for your attention to this serious matter. I trust that the CFPB will ensure my rights under the FCRA are upheld and that this dispute will be handled with the urgency and seriousness it deserves.

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
fraud accounts on my report that i did not authorize

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 2023-03-22
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:
I reviewed my consumer reports and noticed that I had 3 late payments on an account that I was never late for. Consumer Report Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with MAXIMUM accuracy. I have never been late on payments for the account. 

XXXX XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated on " on-time '' and never late as they should be as I was NEVER late or REMOVE from my consumer report. 

Thanks, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: ONLINE Information Services, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
They called my roommate and shared my personal information regarding some debt which they refuse to confirm what is. They also put an issue on my credit report, tanking my credit. They have refused to verify the debt when I called.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently connected an external account to my two long existing online-only Barclays savings accounts and transferred the funds within one of them out of Barclays without issue, completed on XX/XX/23. On XX/XX/23 I received an email informing me that my account access had been suspended and to contact customer support. Upon contacting customer support I was informed that I needed to supply a copy of the statement of the recently used external account, the requested transaction having already completed. 

I followed the instructions provided to me, emailing a copy of the requested statement to a Barclays email address. 10 days later on XX/XX/23 my account still remained inaccessible with no way of accessing my accounts or the remaining funds. At this point I recontacted Barclays and requested the closure of my accounts. Only during this closure was I able to unlock my accounts and move the money to an external account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: GOLDMAN SACHS BANK USA
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I bought TWO XXXX  from the XXXX XXXX XXXX, MN XXXX XXXX. I was charged for TWO XXXX  and received the purchase receipt in the email right away. The transaction date, as shown in my XXXX  XXXX XXXX credit card bill and attached here, is XX/XX/XXXX. 
A few days later, I bought another TWO XXXX from the XXXX, MN XXXX XXXX. I was charged for F OUR XXXX. That is, TWO XXXX  for {$2000.00} and another TWO XXXX  for {$2000.00} I have NEVER received a receipt for this purchase. 

Later on, I was charged another {$2000.00} without my knowledge. 

On the XX/XX/2022 Apple Card record, attached also, there is a charge of {$2100.00} without my knowledge. 

Several unsuccessful attempts have been made to contact both Apple Card and XXXX XXXX for explanation. I had no other choice but to report this matter to the CFPB. 

After reporting to the CFPB, the XXXX  double charges of {$2000.00} and the illegal charges of {$2000.00} were returned to my checking account ( My bank has record of this too ) Even after the return/refund, my Apple card  account still shows balances, and someone from Apple card service emailed me the wrong purchase receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
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. 

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 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: T.S. Holdings
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I spoke with a man named XXXX from XXXX XXXX XXXX about a debt I have not heard of for XXXX XXXX years. I asked him to send me an itemized list of the charges and that I wanted to dispute it since I was told by the apartment complex that the debt was cleared. He got very aggressive and refused to send any documents to me until I agreed to pay the debt. I let him know that I was not comfortable agreeing to anything until I have proof something is owed and he made threats about this hurting my credit and continued to refuse to send me the list I requested unless I did what he asked. I disputed the charge in 2020 and never heard back from XXXX XXXX XXXX after I spoke with the apartment complex. 
This is poor business practice and my research and calls to law offices said that they are not allowed to without important documentation once requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2018 I sent Equifax a certified letter disputing a late payment reported in XX/XX/2018 on an account with XXXX XXXX XXXX. The certified letter was delivered on XX/XX/2018 ( delivery confirmation receipt attached ). In that letter I stated this was a formal dispute & requested validation, made pursuant to the Fair Debit Collection Practices Act & the Fair Credit Reporting Act, within 30 days of the receipt of the certified letter. 31 days after the date of delivery ( XX/XX/18 ), I obtained another copy of my credit report to ensure Equifax had added a notice of dispute on the account, which they had NOT. Equifax is in violation of the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and by not placing the disclosure within the REQUIRED 30-day period. I have sent Equifax a follow up letter stating the companys violation of federal law, by not properly marking the XXXX XXXX XXXX account with a proper notice of dispute within the required timeframe & that they now must remove the item from my credit file. FCRA 623 ( a ) ( 3 ) - Responsibilities of consumer reporting agencies of information [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 review my credit report and the following items are not mine. 

Also my fico credit score decreases with items it should increase with. 

Credit card theft XXXX XXXX  Credit card - open XX/XX/2019. For XXXX XXXX credit card - opened XX/XX/2019 For XXXX Inquires XXXX XXXXXXXX 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 2018-09-17
Company: COLLECTION BUREAU INCORPORATED
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
opened on XX/XX/2018. credit report shows I owe {$120.00}. did not receive proper notification of this collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: Equitable Acceptance Corp
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Equitable acceptance told me that they were part of  XXXX  student loan forgiveness and that my loan was going to be forgiven. They charged me {$40.00} a month to keep an eye on my account they took this out automatically every month when I checked my account a full loan was there and nothing I was paying was going towards paying it off. I was lied to entirely. I cancelled the automatic payments and received harassing phone calls multiple times a day for weeks. Whenever I tried to call and cancel my services with them they never answered or returned my messages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX am verifying that I XXXX XXXX XXXX mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-03-22
Company: EQUIFAX, INC.
State: MA
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 listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name XXXX Account name XXXX XXXX XXXX Account name XXXXXXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX Account name XXXX XXXX Account name XXXX Account name XXXX XXXX Account name XXXX XXXX Account name XXXX XXXX Account name XXXX  Account name XXXX XXXX  XXXX Account name XXXX XXXX Account name XXXX XXXX  XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX  Account name XXXX XXXX XXXXXXXX XXXX Account name XXXXXXXX XXXX XXXX Account name XXXX XXXX Account Number : Account Name : XXXX XXXXXXXX XXXX  XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions .

15 U.S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: LA
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 have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me!!!

Company response to consumer: Closed with explanation