BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-06
Company: Social Finance, Inc.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I received an email notifying me that my account had been temporarily restricted due to irregular activity. The email stated that the issue would be resolved following a review within 7-10 business days. I contacted the bank several times over email and phone to attempt to resolve this issue. I offered to provide any information that would assist with confirming the validity of my account activity. I reminded the bank that this is my primary checking account, and not having access to the account for any period of time is considerably costly to me. And I asked to be regularly informed about the status of my case. Bank representatives told me on multiple occasions that they had requested an expedited review process for my account. However, the 10-business-day deadline has now elapsed, with no communication from the bank on the status of the review. My account remains inaccessible, and my debts are piling up. 

While I can understand the bank 's interest in reviewing accounts for fraudulent activity, I find the bank 's handling of this issue to be considerably prejudicial to the consumer. If the bank does not have the capacity to process reviews in a timely and transparent manner, it should not be in financial services business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to request information regarding the investigation conducted by Equifax pursuant to my dispute regarding the accuracy of an account on my credit report. The specific account in question is as follows : Account Holder : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Under the provisions of 15 U.S. Code 1681i - Procedure in case of Disputed Accuracy, I am entitled to receive information about how Equifax conducted its investigation into this disputed account 's accuracy. I submitted a dispute to Equifax regarding the accuracy of the information related to the account mentioned above. I kindly request the following information : A detailed explanation of the investigation process undertaken by Equifax, including the steps followed and the parties involved in the investigation. Copies of all correspondence, documentation, or records related to the investigation of the disputed account, including any communication with the data furnisher. Any documentation provided by XXXX XXXX XXXX XXXX XXXX during the investigation. The results of the investigation, including any changes made to my credit report as a result of the dispute. The date on which the investigation was completed. Please provide this information at your earliest convenience, as I believe it is essential for me to fully understand the investigation process and its outcome, as allowed by law. Furthermore, I kindly request that any relevant documentation related to this investigation be provided to the Consumer Financial Protection Bureau ( CFPB ) to ensure compliance with federal regulations. I appreciate your prompt attention to this matter and look forward to receiving the requested information within the timeframe specified by law. I have attached proof that this investigation was not done properly! Thank you for your assistance in this matter, and I expect this information within 14 days delivered in this portal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-26
Company: EQUIFAX, INC.
State: IL
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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX Card # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : XXXX Bank # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : XXXX Bank # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX Bank # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : XXXX Bank # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : I also states a consumer reporting agency can not furnish an 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 2023-02-22
Company: Fidelity National Information Services, Inc. (FNIS)
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX To Whom It May Concern, While checking my most recent report that your company maintains under my social security number, I noticed credit inquiries that I did not authorize, made by the following companies Inquiries : XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my report that your company maintains under my social security number. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : Your Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : 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 explanation
Consumer complaint received 2022-07-12
Company: Zero Parallel, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
The XXXX XXXX XXXX, who already have been on XXXX radar many times, https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-zero-parallel-steering-consumers-toward-bad-deals/ continue to defraud Us citizens XXXX his companies https : //www.zeroparallel.comXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX link to his private registration page XXXX XXXX XXXX XXXX  Please take the action. 
Respect, XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act ( XXXX XXXX ) Account # XXXX has violated my rights.15U.S.C1681 section 602 A. States I have the rights to privacy.

15U.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 account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: General Motors Financial Company, Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On or around XXXX of XXXX my vehicle was repossessed by company GM Financial. After the vehicle was repossessed I was never contacted nor given any information as to the whereabouts of the vehicle. Not being notified nor given the information made it a problem for me to either get the vehicle back or collect all of my belongings from the vehicle. As stated by both Maryland ( state vehicle was purchased ) and North Carolina ( state of repossession ) : Under the laws of the State of NC ( State of repossession ) : Before reselling your vehicle, the repo company and or creditor must provide opportune time to redeem the vehicle and/or possessions prior to being sold at an auction. Before selling the vehicle at a public sale, the creditor must notify you of the date, time, and place of the sale. You may attend the sale and bring bidders if you want. If the creditor sells your car at a private sale, the creditor must notify you of the date after which the car will be sold.

Under the Laws of the State of MD The Maryland Department of Labor ( State of vehicle purchased ), a creditor may issue a Discretionary Notice at least 10 days prior to repossessing the vehicle to all signers on the loan by personal delivery or by certified or registered mail. You are not required to pay any repossession expenses if the creditor failed to issue you a XXXXiscretionary Notice. Also, send a Required Notice to you by registered or certified mail within 5 days after the repossession of the vehicle and retain the repossessed vehicle for 15 days allowing you the opportunity to reinstate the contract. 

I was never given any information now was I contacted about the above info. On XX/XX/XXXX I sent out a letter ( certified mail by USPS ) in order for company GM Financial to provide me information in support of the above information in which they received this letter on XX/XX/XXXX at XXXX XXXX Today is XX/XX/XXXX, and I have yet to receive any information from the above company GM Financial. I have disputed this information with all three major credit bureau and have yet to receive information from anyone concerning this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items 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 items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of accounts/items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-02-23
Company: EQUIFAX, INC.
State: KS
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:
This company has been misrepresenting me and advertising false information on my Consumer Report. I came to know about these alleged transactions on XX/XX/XXXX. Due to these inaccuracies, my right to extend credit has been damaged to a great extent this has adversely caused injury to my family and my livelihood. I have been abused discriminated against embarrassed and refused several transactions. I have put this company on notice and gave them a chance to correct my consumer report. I need them to protect my right to privacy and uphold their grave responsibility concerning the respect for my consent. I did not give this company consent to advertise my non public information I demand these inquiries be deleted immediately ; XXXX XXXX XXXX XXXX and ( AND duplicates ) DATE XX/XX/XXXX XXXX. XXXXXXXX XXXX  DATE XX/XX/XXXX XXXX. XXXX XXXX ( AND duplicates ) DATE XX/XX/XXXX XXXXXXXX XXXX DATE XX/XX/XXXX XXXX. XXXXXXXX XXXX DATE XX/XX/XXXX XXXX. XXXXXXXX XXXX ( AND duplicates ) DATE XX/XX/XXXX XXXXXXXX XXXX XXXX DATE XX/XX/XXXX XXXX. XXXXXXXX XXXXXXXX XXXX  DATE XX/XX/XXXX XXXXXXXX XXXX XXXX  DATE XX/XX/XXXX XXXX. XXXX XXXX XXXX DATE XX/XX/XXXX XXXXXXXX XXXX  DATE XX/XX/XXXX XXXXXXXX XXXX  DATE XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: Lending Club Corp
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: Account status incorrect

Complaint:
Greetings, I applied for a loan from Lending Club on XX/XX/2018 for {$12000.00}  and they approved me for it with 36 months, interest rate 29.41 % and APR 35.36 %. They gave me about {$11000.00} and they started billing me couple weeks after receiving the money. I appreciated the fact that they offered me the loan and started paying them immediately {$510.00} in XXXX and {$500.00} in XXXX and in XXXX I mailed them the balance in full of {$11000.00} after I called them and confirmed the amount we should be sending, My local Credit Union  mailed them the balance in full and they chose not to cash it till days later so they could charge me a late fee and now they put it on my credit after I called them more than once and fully disputed the charge with them. Now I am reaching to you to help me with this company to remove this erroneous reporting on my credit report. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i sent equifax, XXXX and XXXX a letter letting them know that the accounts they are reporting are inaccurate closed and past the statue of limitations and to send me a copy and validate the debts can you please help i dont know what else to do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
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. 


XXXX  XXXX XXXX XXXX XXXXXXXX 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 2018-03-11
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a demand letter from XXXX  a collection company. XXXX is demanding XXXX for debt collection for XXXX XXXX XXXX XXXX XXXX.

This debt does not belong to me and is a result of identity theft. I have made serval attempts to resolve this issue with XXXX with no help.

XXXX is attempting to collect a debt which never belonged to me.

I demand this debt be verified and copies of all documentation for this account be emailed to me for discovery.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 non-monetary relief
Consumer complaint received 2023-02-09
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I got an EMAIL ON XX/XX/ from my credit Bureau stating i had a derogatory mark on my credit report. It is from XXXX XXXX XXXX saying that my collections debt is {$3200.00}. I never received calls or written statements of such debt. On my credit report it states that it opened on XXXX, during XXXX, but I am unaware of what this is about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Chase has charged off my account ending in XXXX and reported derogatory information to credit reporting agencies resulting in the loss of more than {$30000.00} in credit and the loss of employment. 

The account was not delinquent or owing in anyway. In fact, Chase owed me nearly {$1000.00} in Rewards Points which I was prevented from receiving. 

The money Chase alleges to be owed on the account was the balance remaining from charges I had timely and appropriately disputed, which Chase did not investigate and for which Chase ignored all appeals on my behalf to investigate/reinvestigate. 

One portion of these disputed charges involved a company against whom I had filed a Federal complaint, the company has since been sanctioned and closed. Chase gave them my money despite my clear and timely dispute. Chase did not review my documentation or investigate my claim. 

A second portion of the disputed money involved a merchant with whom I had disputed several items, none of which I received. Chase inexplicably provided credit against only a portion of these items, never demonstrating that the other items were delivered. Chase didn't investigate this dispute. 

Chase ' failure to accurately and authentically investigate multiple disputes is the sole reason my account appeared to be unpaid. I have no obligation to pay for items I never received and legally disputed. Chase ' actions are illegal in light of their failure to investigate my disputes. 

Chase has defrauded me of nearly {$1000.00} in rewards points I earned by using their card as described. Chase has caused me considerable damages in credit worthiness and employment options. 

Chase actions are in violation of credit card laws and they should be restricted from further business activity in the banking or credit industry.

Company response to consumer: Closed with explanation