BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-13
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:
My name is 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/23 we wrote a check for {$100.00} to XXXX University XXXX. It was washed and turned into a check for XXXX XXXX for {$2600.00}. The signature on the new check was obviously forged. This transaction appeared on our XX/XX/23 statement which I do not remember receiving. XXXX and XXXX were hectic for us as we were dealing with family health problems. When we looked at our XXXX statement on XX/XX/XXXX we immediately contacted US Bank. We also made a police report. We waited to receive the fraud paperwork requested by US Bank. We filled out all the paperwork, affadavit, duplicate of the original check and on XX/XX/23 we sent it to the US Bank XXXX department. Our local US Bank, XXXX Il XXXX, office faxed it for us. We received a letter dated XX/XX/23 from the XXXX department stating that they needed further information. We did send everything needed on XX/XX/23, so we just resent everything. On XX/XX/23 we received a letter dated XX/XX/23 informing us that our claim # XXXX had been denied for the reason- CUSTOMER DUTY TO EXAMINE STATEMENT -30DAYS. They claim it is FDIC rules, Uniform Commercial Code 4-406. On the letter they write ' The Universal Code 4-406 states that a customer has a responsibility to report any items that have been forged or altered to the bank within a reasonable time not to exceed 30 calendar days. ' I do not feel our notification to US Bank was grossly negligent. Where is the responsibility of the banks involved to verify the identity of the person cashing this fraudulent check or the bank cashing a check with a signature that was obviously not my husband 's. If this 30 day rule is steadfast why were we not told as soon as we put in a claim for something over 30 days? We responded to the denial by going to the bank where we told to call the fraud department. The fraud department was firm on their denial. Please let us know how to appeal this decision. All documentation is available upon request. 
-affadavit of unauthorized paper XXXX XXXX copy of original check -copy of forged check -police report receipt -correspondence letters with US Bank

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 2022-05-01
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, LLC # 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

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 2023-08-01
Company: Debt Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
on XXXX XXXX i sent in a letter of opting out of credit reporting to XXXX XXXX XXXX asper 15 USC 6802 and i got no response. this was very damaging to my personal credit report and it prevented me from getting the things i most want in life. not to mentioned the embarassment and humiliation the pain and suffering i endure due to this reportin i and my family faced. i would like monetary compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: TOYOTA MOTOR CREDIT CORPORATION
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 2021-05-07
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I opened a checking/savings account with Navy Federal Credit Union in XX/XX/XXXX. When I received my debit card, I began to update my payment information, having next received returned check fees for insufficient funds due to declined debit charges before. Immediately, I began to receive numerous returned check fees, each at {$29.00}. When I received my first check, which posted on XX/XX/XXXX, my account was already overdrawn by {$140.00}. 
I contacted NFCU to see if they would refund the fees. They agreed to refund {$58.00} back to my account. They claimed that all these charges were from bank drafts? Not possible. I had 2 charges that could have resulted from bank drafts for XXXX. I was also charged a returned check fee the same day that my check posted. 
I was charged again three times in XXXX and so far, once for XXXX, claiming that a {$200.00} transfer that I scheduled to go into my XXXX  Account on XX/XX/XXXX didn't actually get transferred until XX/XX/XXXX, resulting in the money not being transferred and me being charged another {$29.00} returned check fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX XXXX XXXX and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Since XX/XX/XXXX of this year I have attempted to file a claim with my bank for fraudulent activity six times. These claims have all been denied. My bank furthermore directly contacted me to tell me that despite giving them more information each time each claim was filed that if I continue to pursue this claim that it was going to be denied immediately each time. This fraudulent activity took place in a state that I have never been to and also have never lived in. Despite giving this information to my bank the ruling in the claims were against me due to inconsistencies, this is the only reason that the bank gave me for denying my claim repeatedly.

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 2023-03-03
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 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 2023-06-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of inquiries in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27
Company: Experian Information Solutions 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:
Im looking to purchase a home and the inaccurate records on my profile are stopping me from achieving my dreams.

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 2021-07-27
Company: EQUIFAX, INC.
State: MS
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:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An account was fraudulently opened under my name with a company called XXXX XXXX. I disputed the item and got it deleted ( see attached ) but XXXX  still reported it and has debt collectors harassing me. If the debt was deleted due to a dispute, no debt collector has the right to stamp my credit report with bogus information. I ask you to please defend my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
In XX/XX/XXXX, my TransUnion FICO score dropped from XXXX to XXXX and has since declined to XXXX by XX/XX/XXXX. I called TransUnion on XX/XX/XXXX to understand why my score dropped. The customer service rep and manager said that my dropped because of my " delinquent '' ( closed ) account from XX/XX/XXXX, and that I have several student loan accounts that recently have been closed. 

I explained to the manager that I paid-off the loan on that delinquent account back in XX/XX/XXXX/XX/XX/XXXX and that my score was previously impacted by the delinquency in XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX. They responded that the TransUnion algorithm can choose to re-include that account in my FICO calculation. This effectively penalizes me multiple times for one delinquency. 

Regarding the student loan accounts, the manager said that I am being penalized because those accounts were closed. I explained that I paid-off all my student loans, that is why those accounts are closed ; I went on to explain that paying off my student loans makes me more credit worthy and confused why that would negatively impact my FICO score. 

They offered no resolution for my above arguments.

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX ML XXXX XXXX XX/XX/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 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 2023-04-10
Company: EQUIFAX, 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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$9700.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 @ XXXX EST, XXXX XXXX XXXX XXXX XXXX received ( via certified mail ) my debt validation request. I did not receive a response from XXXX XXXX XXXX, XXXX nor their client Specialized Loan Servicing, LLC ( SLS ) until XX/XX/2018. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), creditors have 30 days to investigate disputes. And if creditors can not verify the information within 30-days, they MUST delete and permanently remove all disputed accounts from the consumers credit reports. 

Failure to do so can result in a {$1000.00} fine per un-deleted item.

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 2021-05-19
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
There is an incorrect past address on my Equifax credit report. 

I tried to alert them to this by clicking on the appropriate web page link, but the link did not work. They did not include a phone number to call to correct the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
I was never late on this account. 
XXXX These account era incorrect and not are mine XXXXXXXX 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 2023-10-24
Company: Chime Financial Inc
State: CA
Product: Credit 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:
On Saturday XXXX XXXX XXXX I was victim of unauthorized charges on my account. These are the transactions : XXXX  {$32.00} XXXX {$67.00} XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$24.00} XXXX XXXX XXXX {$800.00} This all happened at once. Once I noticed this I immediately called Chime to put a stop on my credit card builder. According to them transactions settle in 3 to 5 business days and it takes them up to 90 days to process disputes.

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

Account Name : XXXX, Account Number : XXXX Account NAme : XXXX, Account Number : XXXX Account Name : XXXX, Account # XXXX Account Name : XXXX XXXX XXXX, Account # XXXX Account Name : XXXX XXXX  XXXX, Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX, Account # XXXX Account Name : XXXX XXXX XXXX, Account # XXXX Account Name : XXXX XXXX XXXX, Account # XXXX Account Name : XXXX XXXX XXXX, Account # XXXX Account Name : XXXX XXXX, Account # XXXX Account Name : XXXX XXXX XXXX, Account # XXXX  Account Name : XXXX XXXX, Account # XXXX Account Name : XXXX XXXX XXXX, Account # XXXX Account Name : 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 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 explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I filed a police report with XXXX Police Department on XX/XX/XXXX. I sent in a request with Certified mail to Equifax ( as per USPS tracking, it was delivered on XX/XX/XXXX ) requesting that XXXX  block the fraudulent information within 4 business days according to FCRA 605B. I have included with my request the following documents : - Copy of Police Report - Copy of Drivers License - Copy of Utility Bill ( Proof of Address ) - A detailed list of the fraudulent information As of today, XX/XX/XXXX, Equifax failed to block the information from appearing on my credit file. 

The following account is a fraudulent account : - XXXX XXXX XXXX XXXX ( established in XXXX )

Company response to consumer: Closed with explanation