BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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.

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 2023-02-06
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: Personal information incorrect

Complaint:
There's an address that's on my credit report I never resided at nor received any mail. The address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I'm requesting to have this address removed being that I've never been associated with. The information is inaccurate and need to be removed from my files immediately.

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 2021-03-14
Company: BARCLAYS BANK DELAWARE
State: CO
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 never applied for credit with Barclays Bank. I was in high school in 2016. I would never qualify for credit. The only loans I have are for two federal student loans. I went to apply for a car loan, and they told me that I had a loan that was charged off. Again, I have never entered into any formal agreement with this bank. I demand this information be deleted immediately. I am also notifying the Colorado Attorney General 's office. This matter is causing me tremendous emotional grief and distress. 

Thank you for assisting me in this matter.

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 2023-08-15
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check in the amount of {$3000.00} on XX/XX/XXXX  at Truist Bank ( from which is now believed to be a scam from a corporation ). This morning XX/XX/XXXX I received a notification that my funds was on Exceptions/Administrative Hold. Truis bank has defaulted my account and double the amount of funds. Now my account is negative {$6100.00}. After calling and speaking with the bank representative she instructed me that their isn't anything they can do and they can't even be any investigation or any guidance into the matter until my negative balance have been resolved. I explained to her that I don't have that kind of money and that's the reason for my call because I don't have any funds. The representative just told me there isn't anything that they can do.

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: Experian Information Solutions Inc.
State: NY
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 please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-03-14
Company: Experian Information Solutions Inc.
State: MA
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:
Look at the discrepancies on the way this XXXX account is reporting below. Not only is missing information. XXXX  reporting incomplete, misleading, and with multiple inaccuracies. For the last 4-5 months, I been trying to reach out to them directly to resolve this issue, and they failed to report who this account was transferred when it was charged off. Now its reporting incorrect and wrong balances across all the 3 credit reporting agencies, and how come its reporting different payment statuses on payment history below after the account was closed. Its my understanding that it shouldnt be reported as such. Isnt that a violation? Plus, Ive already went ahead and paid-off this account and they guaranteed that they will notify XXXX to delete this account from my credit report. Its reporting with so many inaccuracies and errors. DELETE NOW, and Im not liable. DELETE DELETE DELETE! SEE ATTACHMENTSSSSS

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 2023-09-25
Company: Experian Information Solutions Inc.
State: NJ
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2021-03-14
Company: Experian Information Solutions Inc.
State: TX
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 submitted disputes back in XXXX to XXXX  and Ive yet to receive a verdict. I also submitted other disputes on information that was incorrect and they refuse to remove it like I asked ( Experian and XXXX ) despite me submitting proof that it was incorrect information.

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 2022-09-14
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I purchased hearing XXXX on XXXX from XXXX XXXX. The cost was {$5800.00}. We were told by the salesman that we had XXXX XXXX XXXX XXXX for the XXXX XXXX with mo interest or added penalties and that we could pay them off in a lump sum at any time within the 12 months. 
We decided to pay them off on XXXX. 
We called Synchrony XXXX XXXX and were told we now owed {$5800.00} because we had not been making monthly payments. I used my credit card. The transaction did not go through because it was such a large amount and our bank suspected fraud. We reassured the banker that this was a legitimate transaction. 
We immediately called Synchrony XXXX XXXX right back to complete the transaction, at which time we were told that the cost of the XXXX XXXX was now {$5800.00} because a {$25.00} penalty had been applied to the price in the last 15 minutes. 
We were on the phone with XXXX for an hour complaining about the extra {$25.00} but to no avail. 
We finally just paid the {$5800.00} to be done with this shady organization. 
This bank and credit company is a nightmare!

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 2021-03-14
Company: AMERICAN HONDA FINANCE CORP
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
ChexSystems, Why is it every time I try and login to your site- there is always some login issue - and then you provide a phone number - to people who cant resolve the issue? 

I am not able to simply login to my account- and check my own ChexSystems reports - or receive any online notifications.

Why are you blocking me from my own information I am allowed to by law?

1 ) Send me a copy of my ChexSystems report + score via MAIL. I am not able to login online to receive it in the portal.

2 ) Allow me access to my online account. I am so tired of being blocked FROM MY OWN PROFILE

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 2018-04-04
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I got a loan from speedy cash for a {$150.00} dollars, but wasn't able to pay it back. So they took money from XXXX XXXX XXXX card without my approval. So I call speedy cash and told them I didn't give permission to take my money. I only get {$770.00} per month. And I wasn't able to pay my rent. I call XXXX XXXX about 20 time and never talk to no one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2023 I had a meeting with Chase Bank at XXXX. After completing a check deposit transaction at XXXX at the XXXX XXXX CA Chase ATM XXXX a man approached me, claiming that I lost a {$20.00} bill and forced it into my hand. He managed to take my debit card, without me noticing. I went into the meeting. Shortly thereafter the following unauthorized transactions occurred : XXXX ATM Withdrawal {$1000.00} ; XXXX ATM Withdrawal {$1000.00} ; XXXX ATM Withdrawal {$1000.00} ; XXXX ATM Withdrawal {$1000.00} ; XXXX ATM EWithdrawal {$3000.00}. XXXX XXXX XXXX ATM Withdrawal {$200.00} ; XXXX ATM Withdrawal {$200.00} Total amount of unauthorized withdrawal {$7400.00}. 
XXXX XXXX XXXX Chase Bank cancelled debit card and claims were filed. Police reports were filed XXXX XXXX with XXXX, CA police and XX/XX/2023 with XXXX XXXX police. 
Chase Bank since has denied the claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
My demand for settlement is linked to the damages caused by Equifax -- - i.e., denigrating my credit reputation based upon a false claim covered by theFair Credit Reporting Act 15 U.S.C. 1681et seq.holding the credit reporting companies ( CRCs ) liable for publishing false credit reports went they fail to conduct adequate due diligence. 

The false claim is based upon an unpaid loan account receivable that does not exist and a false declaration of default resulting in XXXX property foreclosures noted on my credit report and 2 bankruptcies filed to protect the interests of those properties that were wrongfully foreclosed upon. 

The slander on my credit reputation interfered with my ability to refinance or offer a refinance deal to claimants who were falsely claiming that they were owners of an underlying obligation due from me. 

This has resulted in years of ongoing litigation in which the claimants and their predecessors failed and refused to produce any evidence of the existence of the unpaid loan account receivable, any evidence of the existence of an unpaid underlying obligation due to them, and loss of quiet enjoyment of my property together with substantial personal and emotional distress damages arising from the continuing stress of dealing with false claims and false reports of default to credit agencies. 

Equifax had a duty to exercise due diligence as to the initial report because Equifax had adequate information to reject the claims. Equifax now has the additional duty to conduct an investigation to assess the claim. 

Equifax is only one of the credit reporting agencies that contributed to this situation, accepting fees and making credit reports that were false. 

My total demand is that all references to the claimed debt and any history of the debt be removed from Equifax, that Equifax notify any person who made inquiry during the period in question that the report was erroneous, and that I receive a total payment of XXXX XXXX part of which is owed by Equifax. 

Respectfully, Claimant

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: CA
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 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: EQUIFAX, INC.
State: SC
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:
This is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Navy Federal Credit Union unethically placed a total of 6 accounts into credits only status due to a garnishment on behalf of XXXX, XXXX, XXXX XXXX XXXX, XXXX But I have not been to court for the garnishment because its not until XXXX of 2021. 

NFCU not only did they illegally place my accounts into credits only status but 2 of the accounts receives protected funds and I am unable to do any transactions through my debit card because NFCU turned off my debit card without my knowledge. Not only do I have bills connected to this card but I have kids to feed. They turned the card back on for 2 minutes after it was turned completely off for me to pay for a meal for myself and my kids but afterwards turned it back off over the weekend. This has been a major inconvenience for myself and my family. They've refuse to take at least 2 of the accounts out of credits only status although the accounts are receiving protected funds. I have been a loyal member with NFCU for over 11 years and I recently just found out NFCU have been commingling my funds which is part of the reason my accounts are in credits only status. I would like for my accounts to be placed back in normal status and my debit card to be turned back on. The bank states that there has been numerous fraudulent activity as well as too many lost cards on the account and does not align with their practices, but every fraudulent activity I encountered I properly reported to my bank institution and anyway they absolutely have no jurisdiction over how many fraudulent activities are processed on account because the money is insured by the federal government and Navy Federal do not get to determine if I " deserve '' a debit card or not. This was extreme and unethical on behalf of Navy Federal Credit Union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: Atlantic Credit & Finance, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The call comes in unknow. I've asked them to stop clling me but they continue to call myself and my husband 's phone. I have no business with them nor do we want to. Very unprofessional employees as well.

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 2018-04-04
Company: MiraMed Revenue Group LLC
State: IN
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 called the number listed on my credit report for Miramed XXXX XXXX numerous times ; however, I still have not received any correspondence regarding the alleged debt. The fifth or sixth time I called a lady offered me a tax deal where If I paid one lump sum that they would write off the remainder of the debt but she couldnt tell me anything about what the debt is for. I have never had a contract with Miramed and believe they made an error that is greatly affecting my credit. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: CO
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: Credit Service, Inc
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not my debt. If I'm not mistaking this all with cell phones were put in my name. My ex roommate dated someone that worked at XXXX XXXX. They were taking loans etc.. without people knowing. My credit profile has identify theft attached. When they contacted me I explained it to them in detail. I have nor owe anything unless is done by fraud. I am currently in the middle of closing on a home and this collection will jeopardize my home. I plan on suing all parties involved including credit reporting agencies XXXX, XXXX just to name a few. XXXX  is the only credit bureau and that has not removed another past creditor in which collection was placed in error. I asked this to be removed from ALL credit bureaus.

Company response to consumer: Closed with explanation