BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Creditor : XXXX Bank Self Lender Date : XX/XX/2022 Amount - {$25.00} Payment : Loan Agreement- {$520.00} Actions Taken : Dispute filed with the CRA - Experian requesting that this CRA please provide statements and records of all payments made and missed since I opened/closed this account. Please reinvestigate this matter and if no such records are found and delivered to the consumer please delete or correct the disputed information as soon as possible. Thank you for your assistance. 

In accordance with the fair credit reporting act XXXX Bank XXXX XXXX - Account # : XXXX Loan # : XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 604 a Section 2 : Also, states a consumer reporting agency may not furnish an account without my written instructions or consent.

15 USC 1666 b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2020-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have 5 hard inquires on my Transunion credit report from unknown sources. The information is inaccurate and the inquires have been made on my credit without my consent. I have informed the same information to TransUnion customer service but they have not taken care of it. The inquires are as follows : Creditor Date 1. XXXX  XXXX XXXX  XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX  XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2023-04-18
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
they have called me, emailed me numerous times trying to collect the debt. They have sent me letters stating that they we're suing if i did not pay

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I Have several accounts on my credit report showing closed/ charged off still owing a balance deliquent etc.and I have tried to resolve these accounts several times but got no response and nothing is being done as a matter of fact there is a whole lot wrong with my credit report that is preventing me from getting anything, all three credit bueaus are not reporting the same things i have unknown unauthorized hard inquiries on my account they are reporting late payments on my account accounts that should have been off are still on showing a balance due i have sent validation letters letter form the clerk regarding my bankruptcy everything nothing is being done. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX XXXX  Balance : {$360000.00}.

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 2023-07-19
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a new checking and savings account with Chase Bank. After opening the accounts I transferred/deposited a total of XXXX to the checking account and deposited two checks, one for {$400.00} and one for {$500.00} into the savings account. The checks are payment for my employment. They ( Chase Bank ) stated that depositing checks into the new checking account was suspicious activity and they proceeded to restrict both the savings and checking account, stating they are unable to identify the legitimacy of the the checks. On a different phone call, I was told that the checks bounced and that was the cause for the suspicious activity but on another phone call later on, I was told that was untrue. I have no idea what is actually true at this point, I have no way to access the money in either accounts and they are now saying that they are going to close my accounts and mail me a check. From what I've seen online, this is a common occurrence and people rarely, if ever, receive the checks after the accounts are closed. The total amount that is currently restricted by Chase Bank is {$5900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: OR
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 dispute, several times now, because Equifax refuses to fix my credit report. My XXXX XXXX loans are all DISCHARGED AND CLOSED. I want them removed. I disputed it with Equifax. Equifax sent me a letter saying XXXX is claiming that they are not closed and refuses to remove them. One of the two of them is LYING because I have proof they are closed. This is the THIRD complaint on Equifax. SOMEONE NEEDS TO DO THEIR JOB AND FIX IT. I am ONCE AGAIN submitting proof the loans should be reported as CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: EQUIFAX, INC.
State: OH
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 am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX CO XXXX ) XXXX  Balance : {$360.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$370.00}.

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 2021-03-17
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Synchrony account with equal payments and deferred no interest payments. Made 2-4 extra payments the last 3 months to pay off soon to expire promotions. Payments in addition to minimum payments are supposed to be applied to high interest or soon to expiring promotions. In my case all extra money was applied equally to all promotions resulting in one promotion to expire with interest charged. After 3 messages thru my online portal with whoever responding with payments were applied or just ignored the question replying with here is your balance. Called spoke to a person was told my statements show my payments applied after 20 mins back n forth the agent she agreed that anyone would want high interest paid off first. But that is not how the computer reads the payment and can only equal payments. Can not unapply payment after applied in their system. I told her this was wrong.

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 2021-03-17
Company: EQUIFAX, 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:
I saw some accounts while going through my credit file recently that should not be there. These accounts are fraudulent because they are not mine. I can not understand how this could even happen because I have not given anyone access to my credit. Please have an investigation done on this issue immediately and have these fraudulent accounts deleted from my credit file. I am unable to get any new credit right now because of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I went to make a deposit at a Bank of America ATM. The machine said it was having a problem reading it and asked me to enter the amount. I entered an amount and the ATM kept my cash deposit and gave a receipt that said We apologize for the inconvenience We are unable to process your request and can not return your items. 
I went into the bank and had two separate people say they could not do anything and call the number on the receipt. 
I have called and have been on hold and have received no help with the issue. I have been put on the call back list and have received no call back.

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 2023-07-12
Company: Experian Information Solutions Inc.
State: NC
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:
XX/XX/2023 XXXX XXXX XXXX XXXX reports an old account to the 3 major credit bureaus as delinquent. This is inaccurate and unfair reporting. Ive disputed this account several times and requested that they remove the account in accordance with fair reporting act codes.

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 2021-03-17
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I signed a quote for a 36 month lease. The finance department employee changed the lease to 39 months on the contract via the computer without telling me.

We returned to the dealership to re-do the contract to reflect the correct number of months. They assured me it was rectified. Upon calling Toyota Financial ( whom I've been a customer for 9 years ) they notified me the contract was not updated by the dealership.

Attached is the Signed contract for 36 months Current Statement reflecting 39 months

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I, XXXX XXXX noticed TransUnion is in violation for reporting fraudulent and erroneous accounts 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 These accounts are involved in litigation. Reasons are listed below : 15 USC 1681 ( a ) 3 - Assuming a vital role of evaluating credit which I never gave them authorization to do so. Which is highly effecting my life.

15 USC 1681 ( a ) ( b ) - Did not receive fair and equitable value.

15 USC 1681 ( a ) 2 ( b ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device This was raised from my social security card ( credit card ) and should be excluded from my report.

15 USC 1681 ( b ) ( a ) 2- In accordance with the written instructions of the consumer to whom it relates. 

I never gave permissible purpose or written permission to furnish any reporting on my behave.

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 2021-10-08
Company: EQUIFAX, INC.
State: MI
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 XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax 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 is the inquiry that is reporting on my Credit Reports : XXXXDate of Inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
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:
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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My wallet was stolen during a company party. I advised authorities that my wallet along with some of my personal information was stolen in XX/XX/2018. I recently retrieved a copy of my credit profile and noticed accounts and inquiries that I have no affiliation with or any knowledge. I've stressed to the XXXX ( XXXX, XXXX, and Transunion ) how stressful this is and its impacting my ability to obtain credit. This is also in violation of 15 USC 1681, furnishing information to my account without my permission, and as a result of identity theft. 
The accounts that are listed on my credit profile are : XXXX XXXX, XXXX & XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX The inquiries listed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX Again I have no knowledge of the accounts

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 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
This collection was open in 2017 and has been closed and removed and they are reporting it back on my credit 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 2023-04-18
Company: FCI Lender Services Inc.
State: MN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I had 2 loans with XXXX XXXX XXXX. I believe they were using FCI Lender Services as their servicing agency so I was making interest payments to FCI. I mailed checks for my XX/XX/2023 interest payments on the XXXX ( deadline was XXXX of every month ). FCI intentionally processed my checks after the deadline. One of the checks was kept in Reserves until the XXXX of the month and not applied to my balance. All of this cost me over {$3000.00} in default interest charges. 

I tried to resolve this with both agencies but encountered very rude people. Each agency was pointing fingers at the other and was never directed to someone who could truly help 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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely. Rectify this immediately!
This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.

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