BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-13
Company: Reliable Credit Association, Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought charged off account from Reliable credit Associates ( third party creditor ) who was assigned my contact from XXXX XXXX XXXX XXXX who sold a used car from their lot and vechile service contracts and GAP insurance to myself on XX/XX/XXXX. I gave a required down payment and a car for trade-in and was told that the insurance add one were required.

Reliable credit Associates bought our contract knowing that we had a prior car repo and deficient balance still owed to them and did so to be predatory I'm their business practices. 
XX/XX/XXXX the high mileage truck broke down and husband 's job at a hospital in his new career was priority. Of course the fixes were not covered under contract add ons and reliable credit refused any viable solutions. So, we voluntarily gave back this broken down truck that did not run XX/XX/XXXX. 13 months into a 48 month installment contract agreement. XX/XX/XXXX Reliable credit associates bought the car back in the auction and then charged off debt XX/XX/XXXX. 
This collection agency was in court by XX/XX/XXXX and never validated this debt to this day XXXX. Proper validation notice was to be given before reporting anything on all three credit bureaus. XXXX not knowing who the judgement was from disputed this debt and it was deleted. 
This company had no right to sue in court and won by default. Using illegal and deceptive business practices. 
Then continues after winning by default come to find out had not right to sue and no right to report such alleged debt. The damages done to our family over these year 's are more then I can explain or bare. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who is a Debt collector has NOT followed the rules about how to contact ME, they can NOT report MY debt to a credit reporting company, IF RULES HAD BEEN FOLLOWED PROPERLY AND Followed ALL OTHER LAWS then they would of had the right to report this illegal judgement on my credit reports. 
Prove you own this debt, that I owe the debt and that you had the right to sue me?? 
Prove that reliable credit associates even owned this debt and what is owed before they sold it to you??

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX date is Wednesday, XXXX XXXX, 2022 -In the past days, Ive received emails from Discover, of which Ive been a long time card holder, in excellent standing, with a large credit limit, of which I now have a very low balance. 
-The emails are demanding I sign an XXXX  verification form XXXX, as to give Discover full access to my XXXX  transcripts. If I do not, they will close my account, of which will bring down my credit score as to the long term excellent history I have with them.

-Thinking this a scam, I called Discover to learn it was actually true. 
-Discover claims this verification info will be acquired by a XXXX party, that being XXXX XXXX 
-Upon receiving numerous emails from XXXX XXXX I called XXXX XXXX this @ XXXX XXXX XXXX XXXX and spoke with XXXX. 
XXXX XXXX me that XXXX XXXX NOT communicate via email, but only by post office mail. 
XXXX XXXX me that this was a scam for their company does not do XXXX party verification such as this. He then went to his superior to confirm, of which the supervisor said the same. This all occurred this day, XX/XX/XXXX, to the above phone number at XXXX XXXX  central time. 
-I was told by XXXX XXXX call Discover and relay the information I was told, and to direct Discover to call the XXXX XXXX line at XXXX XXXX XXXX XXXX. 
- I first called Discover consumer service where I was told a supervisor would call in the next 3 business days. 
-I then called Discover XXXX at XXXX XXXX XXXX XXXX. I spoke with XXXX. Upon telling him the full story, he agreed to open an investigation and I would here from him in the next 4 weeks. He also gave me another number to reach him : XXXX XXXX XXXX XXXX. He said this was not a scam and was quite real. 

* I do not see it as normal business practice to ask my release to my XXXX  account. I did offer to XXXX a copy of this years tax return, redacted, to prove income. 
* I do not know why I am being targeted with a perfect record. 
* Should they close my account, my credit will be drastically affected due to the length of this good standing account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: OH
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:
There is an inaccurate hard inquiry on my XXXX and Experian credit report from company XXXX XXXX made on XX/XX/2022. I received a letter from XXXX XXXX stating Our fraud department was unable to confirm an application was submitted by you. Im here to asked XXXX and Experian to remove the hard inquiry as fraud was detected with my information being used without my authorization. Please remove the inquiry, below I attached the letter XXXX XXXX sent to me after theyre fraud investigation.

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 2021-08-06
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:
Equifax applied item that is not mine. I can not understand how that is possible to putt just account without even checking if this is my account. There is wrong name, account number, and obviously that this account is not mine. I have no idea about this creditor and I have never dealt with this company. I do not know why I have this account in my profile and I ask you to check the information and remove it ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Celsius US Holding LLC
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/2022 I found out that my Celsius Network digital asset account was frozen, and they would not allow me any access to sell, buy, swap, transfer or withdraw any funds, coins, collateral or rewards, essentially locking me out from accessing my property. At that time, my assets inside my Celsius account totaled roughly {$1.00} million in equivalent US Dollar value, and were comprised of XXXX, XXXX, XXXX, XXXX, XXXX and others. 
Just days before the freeze, the CEO of Celsius XXXX XXXX was boasting that all assets were completely safe and that everyone has complete access to their assets. Indeed, for years XXXX constantly boasted about how Celsius was safer than a bank -- suggesting that our assets were not only completely safe, but that we'd be utter fools to use banks instead of Celsius, especially with that " sweet yield '' we were earning. After XX/XX/2022 as an accredited investor I moved assets into CUSTODY to add an extra layer of safety to some holdings. Holding assets in CUSTODY meant that the assets were not earning any yield, and they could be readily accessible at any time. 

In early XX/XX/2022 I pledged approximately {$400000.00} in XXXX from CUSTODY to become collateral for a {$100000.00} USDC loan against my digital assets. This four to one ratio of collateral to debt ( 25 % LTC ) enabled me to gain some capital access at 2.95 % annual interest rate and most prominently allowed me to access some of the value of my appreciated coin valuations without selling any assets and incurring taxes.

In summary, I have coins held in the EARN account, in the CUSTODY account, and pledged as collateral on a LOAN, which I would gladly pay off to rightfully recover possession of my digital assets.

Not only is it now readily apparent that Celsius LIED to us extensively by taking massive undisclosed risks with our assets and covering up the truth of their beleaguered financial status, but after being exposed they are now using OUR assets to seek compensating themselves and paying attorneys to help exonerate them from their gross negligence and heinous acts of mismanagement and perhaps, extensive fraudulent and 'Ponzi scheme ' related activities. We find this to be terribly disturbing and blatantly illegal in many ways and feel it warrants a thorough investigation and prompt legal attention. 
Thank you for your ardent consideration in this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: NY
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I have made several attempts to have the credit reporting agencies update/remove personal information that is incorrect. 
On XX/XX/XXXX, I sent a letter to Transunion requesting they update and remove incorrect personal information. It has been more than 30 days since I submitted this request and after reviewing my credit reports on several occasions the incorrect personal information still remains on my credit reports i.e. also know names as, old employer. 
I also called Transunion on XX/XX/XXXX to once again have this personal information removed and the agent assured me that it would reflect on my report with 24-48hrs. It has been almost a month and the incorrect personal information still remains.

This is creating issues with applying for lines of credit as lenders are using invalid addresses and personal information hence suffering from personal in the form of being unable to secure small business loans.

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 2023-05-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX was previously deleted from my credit file several years ago and reappeared. I contacted the company and they don't have the correct SSN on file so the information could not have been verified during the dispute process.

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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 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 2023-04-17
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # 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 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 2021-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with Trans Union, XXXX, XXXX they also have records and files the is 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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
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 : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

I dont recognize this public record so I contacted the courts and they stated that the information I gave them didnt match that I ever filed bankruptcy in their courts ; please provide proof from the court of this public record. this public record on my report is inaccurate and I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ; if this is not completed within 4 days I WILL FILE A COMPLAINT.. As a consumer by law this account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055, Law Firm Cravath XXXX XXXX XXXX XXXX XXXX, Attorney Generals Office, XXXX XXXX XXXX, State Senate, Federal Deposit Insurance Corporation, Comptroller Of The Currency, Federal Reserve System Credit and insurance, Federal Trade Commission, State Regulatory agency,

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 2020-08-15
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a loan with NAVY FEDERAL CR UNION. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, NAVY FEDERAL CR UNION with no successful resolution. XXXX, XXXX, XXXX  reporting me late. There was definitely an error on their part

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Direct Cash LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
DirectCash double charged by account which lead to addtional bank fees being applied to my checking account adding further financial burden the funds should not have been charge on the date in which it was I the representative failed to set the renew as requested so that I would receive a week of grace and instead to charges were applied and when calling to advise a supervisor agreed to correct but did not adjust funds to be for the bank fees. 
Furthermore, this company stated I only made 1 payment to them in XX/XX/XXXX and in fact my bank statement shows 9 payments taken and began to send me text to settle the amount for XXXX and I text to agree but it was withdrawn and then requested about XXXX to settle to which I declined as that was not the original agreement. I have contacted this company to obtain the collectors contact as Direct Cash reps stated they could not help me and I was given a number that only rings and does not even identify the company nor did Direct Cash have a name or good contact number for me to dispute the debt. The rep stated they would have the collection company contact me that was in XX/XX/XXXX and I finally received a call from the so called collection company XX/XX/XXXX that did not have any of my payment history or the correct amount so called due and the supervisor ( name unknown ) would not give me the contact address name or number to send a dispute and offered for me to pay about XXXX he state I cant dispute its in litigation not very honest or helpful just wanted money not to have facts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 recently reviewed a copy of my credit report. I was shocked to learn I've been a victim of identity theft once again. I found numerous accounts on my credit report that I did not open. This has been hurting me as I am in the process of buying a new home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

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