BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts/creditors below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 . 

XXXX XXXX XXXX XXXX, USAA Federal Savings Bank, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX have all violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
To Whom It May Concern, During my school years, my HSBC bank account was compromised and there were unauthorized withdrawals. 

I had vehemently contested this with evidence of : 1 ) two police reports 2 ) a letter from the US embassy XXXX ) video ATM proof from the local police of the illegal withdrawal that was not me XXXX ) Suspect mugshots I wrote many times about this case. XXXX XXXX previously mentioned that no account exists, but this is because I have closed my account. 

I wrote to the CEO and complaints team many times. 

Are you able to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions 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 recently checked my credit report and I noticed numerous inaccuracies on my report this is affecting my well being and my way of life and causing me stress and XXXX  and I am the author of this complaint

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 2019-12-25
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX reporting a {$2.00} XXXX mortgage and reporting late payments.No such mortgage i received ever!! XXXX XXXX and XXXX XXXX XXXX completely destroyed/destroying my excellent credit score for past year. 
XXXX XXXX and XXXX XXXX XXXX reporting fraudulently, with malicious intention to extort and harras myself and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2023 there was an inquiry on my credit report from XXXX XXXX that I did not apply nor approve.

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 2022-05-03
Company: Experian Information Solutions Inc.
State: PA
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:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 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 are the accounts that are reporting on my Credit Reports : 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

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 2021-05-24
Company: Cascade Capital, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the third bill/credit collection I have received related to XXXX XXXX. On XX/XX/21 I received a letter from XXXX XXXX XXXX attempting to collect a debt for XXXX XXXX in the amount of {$480.00} ( see attachments ). This account is not mine and is related to someone who either stole my information or a hospital mis-keyed his information. You have identified and resolved this twice before. I have sent an email to XXXX and I will be faxing them today as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My personal information is not being reported correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
INQUIRIES THAT I DONT RECOGNIZE. PLEASE SEE ATTACHED LETTERS AND FTC REPORT

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 2023-04-06
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened a checking account with Chase Bank in XX/XX/XXXX and had a monthly IRA distribution electronically deposited. Beginning in XX/XX/XXXX and yearly after that I had money electronically transferred to pay my and my wife 's long term care policy premiums. in XXXX my long term care insurance company by letter told me my bank account was blocked /frozen. The couldn't get the payment. I was never notified by XXXXhase that this action was taking place. Every month I received a statement from Chase with my Ira deposits listed and the balance in my account, indicating they knew my address. I called their customer service department to get information ; they directed me to my local bank. At the local bank they reinstated the account. They said the account was blocked because I had no personal dealings with them for 30 months ; although they received my IRA distributions and sent me a monthly statement. At the local branch I enquired about not being notified about this blockage. The representative tried to find out by telephone who was responsible for these notifications ; after about 15 minutes she said she couldn't find out who was responsible and I should be happy the account was unblocked. I think the banks should by law notify their clients about this process. I think this also occurred because I also used Chase to get foreign currency when I traveled. Because of Covid I haven't traveled for three years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: LEXISNEXIS
State: MS
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 have these Bankruptcies on my credit report. I do not have any idea regarding these Bankruptcies on my credit report. These are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Chase froze my credit card and all accounts without any notice. They also liquidated my retirement accounts and cost me early termination fines and fees without any notification that this action would be taken. Also, a safe deposit box account was terminated with only less than 30 day notice to evacuate the contents or they stated " the contents would be turned over to the state ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX has a charge off account of XXXX this is not my account it was open fraudulent under my name an it should be removed it's not my account it's fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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 2019-12-25
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: Their investigation did not fix an error on your report

Complaint:
I never made any late payment, the creditor acknowledges that, due to their internal bureaucracy they have not update their system to remove any late payment remarks,

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 2023-07-20
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: Account information incorrect

Complaint:
I have contacted transunion on XX/XX/2023 to dispute the inquiries on my credit report I was told all XXXX of them were removed. I was sent a credit report on XX/XX/XXXX confirming the removal but they still have been removed - transunion file # XXXX. I have tried several times calling them and they refuse to answer the phone just disconnect with me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX credit card. 
I have not used my credit card in well over 18 months. 
It does not even work. I reported this issue to them. Furthermore, there were fraudulently charges made in or around XX/XX/XXXX of this year for about {$30.00}. I had no idea there was any activity on the account. The credit card company issued about {$120.00} in charges related to this single charge not being paid. When I became aware of this around XX/XX/XXXX, I brought the fraud to the company 's attention. I also, to protect my credit, paid by check by phone over {$140.00} ( XX/XX/XXXX ) to pay off the balance while they investigated. This was to prevent the right hand not speaking to the left and a charge off occurring. This is because I have a XXXX credit score to protect. I am in the middle of a refinance. I also have business credit cards that rely on my personal credit history. All got harmed because of XXXX XXXX being incompetent and unhelpful. 
Yesterday, I was on the phone with them for over 2 hours reviewing XX/XX/XXXX - the money I paid -- where did it go? On XX/XX/XXXX, from XXXX XXXX, I paid online another {$47.00}. Where did this payment go? Why is the current balance on XXXX XXXX showing {$140.00}. They have violated my rights under the Fair Credit Act. The account should be XXXX balance or even negative. They need to restore the credit card to good standing. I do not want to close the account. And they need to update the credit bureaus to reflect that this was their error and they improperly reported. I have identification numbers on the employees I spoke with. XXXX '' XXXX '' XX/XX/XXXX -- he could not locate where my two payments went. He transferred me to escalations. I spoke with XXXX. I spoke with XXXX. {$100.00} are bank fees. {$13.00} are interest charges. They need to remove these. My account ends with XXXX The credit card has an expiration of XX/XX/XXXX. I have been a client of their since XX/XX/XXXX. I have called them over 6 times since XX/XX/XXXX and they are not helpful. They keep saying this is en effort to collect a debt .... And then they ask me to start over again. I ask them what do the notes say? Why am I having to repeat myself.

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 2023-10-30
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: Account information incorrect

Complaint:
On XX/XX/2023 I noticed an account XXXX XXXX account on my consumer report that I did not recognize. Therefore, I disputed the account with Transunion, through the CFPB ( see attached ). According to federal law under FCRA, Section 611 ( a ) ( 8 ), an agency as an obligation to conduct a reasonable reinvestigation of disputed information within 30 days of receiving a notice of dispute. It has been more than 30 days and there has not been any response from the agency nor has there been any deletion. According to federal law this account must be deleted from my consumer report. If deletion is not processed upon receipt of this notice, I will pursue my private right of action under FCRA.

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 Account Number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX  XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXXAccount number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX 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 2022-09-05
Company: EQUIFAX, INC.
State: NY
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 2019-05-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XX/XX/XXXX, I was called by a fifth third bank agent letting me know I was overdue on my truck payment. I was busy at work and instructed them I would go online and submit payment asap. A couple days later I believe XX/XX/XXXX, I went to submit payment online, but they locked me out of my account. I called a fifth third representative and they informed me they could set up automated payments so I agreed and he instructed me that it was all setup and that I no longer had to worry about logging into my account online to submit payments. 

XX/XX/XXXX, my car got repossessed. I called the bank and they informed me that payments were not being made on the account. I questioned how that was possible and they informed me auto bill pay was never set up completely. I told her that I spoke with someone in XX/XX/XXXX to setup auto pay and she looked into their call logs and said it never happened. There was a record of me calling but nowhere in the notes did it talk about auto pay. Baffled that they had been receiving payments for months, but all of a sudden they stopped working, I then questioned why I never received a call, like the last time I missed a payment. She told me that they had called a phone number which was not mine, and never was my phone number. The person they called told them I no longer had that phone number, which I never did in the first place. I don't understand how they got that number to begin with when all of my information was submitted through the car dealership, but I guess they simply had more trust in a straangers word over the phone than to actually try to contact me. She also informed me letters were sent to my mailing address, which I never received. 

There has been a giant miscommunication and everytime I speak to them they read off a script and are unwilling to listen to me, saying that it was a lawful repossession that they have all the record they need, even though they weren't processing the fact that they misentered my contact information into their system. Having made no progress trying to speak to the bank over the phone, I reluctantly paid the repossession fee, in addition to the money owed on my account, just to simply get my vehicle back. The bank is unwilling to listen or communicate with me in a manner that accomplishes something for both of us. 

Fifth third bank told me auto payments were setup, which apparently was not done properly. They told me they went through the process of mailing me letters and trying to call, which they did not do. They had my information entered into their system and as a result of all of their errors they deemed my car repossesible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
This is not even licensed in my state to collect anything at all. I will be contacting the AG of their state as well as mine. 

Pursuant to 15 USC 1692 ( c ) ( 2 ) - I am involking my specified remedy as a consumer and the original creditor I am demanding all of the following : Zero out the balance on this account Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.

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