BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-10
Company: EQUIFAX, 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 the account below has violated my federally protected consumer rights to privacy & confidentiality under 15 USC 1681. 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 then records of convictions of crimes which antedates the report by more then 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692 section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer 15 USC 1692 section 805 A section 3 states at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication 15 USC 1693 2 Section 806 section 5 causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the caller number

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX 4. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX 12. The inquiry was not authorized AUTOMTV CRDT Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

16. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from 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 2021-03-15
Company: MoneyLion Inc.
State: ME
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out the loan last summer and after multiple missed payments ( their fault ) I decided to pay off the loan and get my credit reserve returned to me. I paid off my loan XX/XX/2021 and was notified I would receive my money by XXXX. That date came and went and still nothing. I contacted support several times and was given the run around every single time. Finally a rep told me that the issue was that my account on file was closed and thats why there was a delay. No one from the company notified me of the issue. I was told in order to receive my money, I would have to open an additional account with them. I did that and was told it would be XXXX calendar days. Its been XXXX weeks since I paid off my loan and Im still without my money. Every phone conversation has been recorded by the company and the rep I spoke to today confirmed that everything I told her was in my account notes. I was told today that the rep has escalated the issue to their special team and I should have my money soon. This is completely unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: DISCOVER BANK
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I opened a case with Discover Card 3 times, I submitted requested information. There were phone calls, & letters by both parties too numerous to list, but recorded. I was a victim of gift card scam and Discover has said that unless I have new information, not to make another case. 

Discover has said that because I authorized the transaction, I am responsible for the debt and no fraud committed. 

The scammers posed as XXXX and then Discover. I was threatened with child XXXX on my computer and a {$10000.00} charge to Discover from XXXX for child XXXX. I was told not to talk to anyone and only talk to Discover man in my car. He told me to go to XXXX and purchase 20 gift cards in {$500.00} denominations. I was crying and in my pajamas and went to XXXX. He told me to leave my phone on and purchase gift cards. I went inside and the clerks gave me the gift cards without hesitation or any questions about my appearance or condition ( crying, in pjs and disheveled hair. ) I got really upset because the purchases scared me and I stopped at 11 cards & {$5500.00}. I went to my car and he said to read the numbers on the back of the cards. He said that was not enough and to go to another XXXX, leave the phone on and drive. I drove to another town to XXXX. The clerk would only give me one {$500.00} gift card because of scams. I went out to my car and the man put me on hold and then said to go to XXXX XXXX with the phone on. I drove back to my town and went to XXXX. They did not want to give me the cards and said because of scam. I convinced them to give me {$4000.00} worth of gift cards. I was terrified and told him I was going to the FBI and he said the FBI and my bank were in on this. I didn't know what that meant but I was crying heavily and very scared. I was in my pjs and it rained all day. He kept me on the phone for five and a half hours. I have it documented and I had verified both the XXXX & Discover persons credentials. I thought I did my due diligence but they had me held up on the phone and threatened me with child XXXX and jail. I recovered the {$4000.00} from HD because scammers hadn't spent yet, XXXX XXXX has said forgiven {$3000.00}, but Discover Card has said I am responsible for the {$6000.00} debt because fraud was not committed, I gave permission. I WAS HELD UP ON THE PHONE AND THREATENED WITH CHILD XXXX AND JAIL. NOT ONLY ME BUT MY SON TOO. I AM ELDERLY AND ON FIXED INCOME. I CAN NOT MAKE THE MINIMUM PAYMENTS. THIS IS FRAUD. PLEASE HELP ME. THANK YOU IN ADVANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: EQUIFAX, 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 status incorrect

Complaint:
I am in the middle of purchasing a home and late payments from XXXX keep popping up on my XXXX  and Equifax reports. I have reached out via phone and email repeatedly over the last 3 months and received no response. 

I was delinquent in my student loans back in XXXX due to being laid off 4 times in a 2 year period. However, since then I have successfully rehabilitated my loans back in XXXX and they have been transferred to XXXX to be serviced. I can't understand for the life of me why XXXX is now reporting late payments in XXXX and XXXX. I need this fixed ASAP! 

I have disputed this every month with Equifax and XXXX  and for some reason, someone at XXXX keeps verifying that I'm late. How is it possible that I am late to a company that doesn't hold my debt? And as recent as XX/XX/XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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: Their investigation did not fix an error on your report

Complaint:
When I reinvestigated my credit report, I realized that some of the information was erroneous. TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00}

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 2023-03-28
Company: Experian Information Solutions Inc.
State: SC
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 requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 XXXX XX/XX/2021

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 2021-07-23
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
When we completed the Covid forbearance program, we received paperwork dated XX/XX/2021, which states that my next regular monthly payment will be due on XX/XX/2021. My normal monthly payment is {$1300.00} ( this amount includes escrow ), and I made a payment of {$1500.00}. However, my {$1500.00} payment was applied to XXXX ( should have been XXXX ), so now my account is showing past due. I have called several times over the last free weeks and no one has been able to help me, and Ive been transferred around to multiple departments. I sent an email to XXXX, and I have not received a response. Ive been getting calls from their collections department trying to collect my late payment. I explained the situation to them and they are unable to fix the issue. So now I am being harassed by collections for this supposed late payment. This is unacceptable and needs to be fixed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
My name is XXXX XXXX and I have an open auto loan with XXXX XXXX  which was categorized as derogatory and had late payments. This was a mistake by XXXX XXXX and I was able to resolve the issue directly with XXXX XXXX and they provided a letter stating that the issue has been resolved and the account will now be reported as current and all remarks relating to reposession have been removed. ( see attachments ) XXXXXXXX XXXX provided a letter in XXXX, XXXX, and XXXX. They also called each credit bureau and informed them that the account should reflect as current. All of the bureaus have corrected this problem except transunion. 
Transunion removed the late payments from the account but they have not been able to remove the negative remark which states " redeemed repossession ''. Transunion momentarily removed the redeemed repossession '' statement in the month of XXXX when they received a call from XXXX XXXX  asking to fix the problem but for some reason the negative remark reappeared in XXXX. Then in XXXX I called XXXX to inform them that the negative remark still remains in my report and they called transunion to make the correction again. It was fixed temporarily but then again in the first week of XXXX the negative remark was added again. I then called XXXX again early XXXX and they called Transunion again, which fixed the problem temporarily but then the derogatory remark was just added again on XX/XX/2023. 

I have also included screenshots from my XXXX XXXX account which shows my transunion score fluctuating every month when the negative remark and delicuent status are added back on after its been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-27
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been a customer of Citibank for over 16 years. Within the past two years, the Bank began to sneakily begin charging me a {$25.00} service fee every month. Despite never having had to pay this fee before, they began charging it to me without my knowledge or notification. I called today about the fee, and it was clear that this was instituted to catch people like me off-guard, as I was able to move, without any difference in service, to a free account. They were only willing to reimburse me for three months of the fees, however, despite the fact that I have paid more than 10 of such feed.

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 2024-01-02
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
They keep telling me its the interest of the loan for each month ... at this rate o will never get the car paid off

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Evaluating my credit report, it can be clear that the following accounts appear with no regard for accuracy as required by the Fair Credit Reporting Act. This is the second time I am reaching out to address these errors, and it is disheartening to see that my initial concerns have not been adequately addressed. Upon reviewing my credit report, I have identified incorrect late payment entries that require immediate rectification. The following accounts have been incorrectly reported with late payments : XXXX XXXX Account numberXXXX  Date opened : XX/XX/2021 It is imperative that you take prompt action to rectify these errors and remove the inaccurate late payment information from 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 explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXX XXXX XXXX XXXX MD, XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: IL
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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
Company: Factor Trust
State: AK
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:
factor trust has refused to remove accounts from my report that are not mine they even have a different ssn number attached to it the accounts that are reporting i have never had account with XXXX XXXX XXXX XXXX my ssn number dose not end in XXXX it ends in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX i sent a hippa letter to XXXX credit Bureau on XX/XX/XXXX they sent me an notification on XXXX stating that they have updated the app but nothing was changed.. After that i followed up with another dispute that was sent out on XX/XX/XXXX stating that XXXX  was reporting a Date of last activity as XX/XX/XXXX with a account status showing as closed and transunion was reporting a date of last activity as XX/XX/XXXX with a account status as open. And if all this information suppose to be coming from the same creditor how is the information thats being reported are all different. I received an email on XX/XX/XXXX stating that the information was updated but nothing was changed..On XX/XX/XXXX i Sent a dispute stating that the account was closed and put into collections on XX/XX/XXXX but the status of the collection has been reporting collection every month and according to the FCRA thats illegal and it alters the dola 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