BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I requested this company remove addresses that I have not resided from my credit report. They have failed to do so and refuse to.

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 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted the bureaus numerous times informing them that account for XXXX, Acct # XXXX, they are reporting inaccurate information on my credit report. It is a Charged Off/Closed Account showing a Past Due amount of {$1500.00} with Transunion showing as open and XXXX showing as closed and XXXX  not showing anything at all. Reporting this inaccurate information is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed and after numerous months of requesting that they do validate, verify and report as 100 % true and accurate, they are still continuing to report inaccurate information along with numerous other violations as well as to which it is severely hurting my credit.

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 2016-07-10
Company: U.S. BANCORP
State: CA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fraud or scam

Complaint:
I bought XXXX gift cards from XXXX and I loaded each card with {$500.00}. When I tried to use all the cards, my transaction was declined. so I checked recent activity. I found all the purchase made on the XXXX cards WERE NOT authorized by me. Further more I was out of country, and in XXXX from XX/XX/2016-XX/XX/2016 so any purchases on the gift card were not done by me.I called gift card issuer on XX/XX/2016. the operator told me the claim I filed with them on XX/XX/2016 WAS NOT TRACEABLE! I am very worried and there are a lot of victims like me reporting fraud online. 

This is not duplicate claim. This is my first time file complaint.I sent card issuer, US bank claim on XX/XX/2016. but they told me they could not find my case on XX/XX/2016!

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 2023-08-15
Company: EQUIFAX, 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: 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 XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Account was closed and opened again on my credit report 5 months later without on consnet. Account was also closed XX/XX/2021 and removed from my report, The account should not have been added back on my report without my written consent. 

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2017-05-24
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed information on my report that I belie ve may not  be correct. Certified letters were sent and received by the company on  XXXX   XXXX  and  XXXX   XXXX . The company failed to mark this account as disputed within the 30 day period. They have violated the FDCPA and FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Account was closed and opened again on my credit report 5 months later without on consnet. Account was also closed XX/XX/2021 and removed from my report, The account should not have been added back on my report without my written consent. 

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-08-15
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX  XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The reporting of these account ( s ) is/are violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 credit bureau stated that my account was properly investigated but how is that possible if the following items are all inaccurate : the high balance amount * last verified date of last activity date reported date opened date closed creditor type llsted as finance/personal last payment the creditor remarks are also inaacurate This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 section 602 A which states that I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 also states that 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 non-monetary relief
Consumer complaint received 2023-11-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
The bank is Fifth Third bank. I have been trying to set up auto-billpay for 3 months now. I thought it was set up in XXXX when I worked with an agent in the auto bill pay department and enrolled. I expected my loan payment to be auto debited from my checking account for the XXXX loan payment. Instead I got a call from Fifth Third collections department 5 days after the payment due date. Again, I paid over the phone, but the guy I talked to said it takes 2 to 3 months to activate auto bill-pay ( which I knew was soundly incorrect ). My XXXX payment was also not debited from my checking account, and I talked to 5 different people today to resolve this, 2 of them being " managers. '' I heard a different story from each one of them as to why my bill pay is not active. Again, I paid my payment over the phone. I have never heard of this bank and plan to shop for a different lenders. Some of the reasons they gave were absurd, but all of them different. They definitely do not have their ducks in a row. The only thing I could think of for not setting up auto billpay immediately, this is a way to collect additional late fees or something. I worked as an XXXX XXXX a financial institution and knew what they ALL told me was garbage. So I told them I was filing a complaint today with the CFPB.

Company response to consumer: In progress
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: NV
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 am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
Our experience with XXXX XXXX XXXX XXXX is an ongoing practical and nightmare, now in its 3rd month, delivery still not completed, goods lost, others horribly damaged, even as XXXX keeps running up more charges against our credit card accounts without our authorization. Now XXXX is sending us forged and altered documents in order to try to bill us even more. 

We never authorized XXXX to make these charges. We had a COD deal but they charged our cards even before anything was delivered without knowledge or permission. They also delivered only a partial shipment and collected fees before a bill was ever presented. 

There are many other problems with these transactions. They are secondary. The deal for this move was based upon weight. XXXX had the responsible to get the truck officially weighed unloaded and fully loaded. But has yet to give legitimate weigh station forms to substantiate the charges. 

To prove up the weight of the first truck XXXX provided a scanned copy of a weight scale receipt which is unsigned AND which has hand-written alterations of the truck 's ID numbers AND which has a pre-printed legend that it CAN NOT be used for legal trade in California! The weight scale company CATScale told my husband that this is an invalid receipt, period, the end. Then XXXX provided us a scanned copy of another CATScale receipt, supposedly for the fully laden truck the night of XXXX XXXX. This receipt is signed, but it also states it is not for legal trade, AND MOST IMPORTANTLY, the truck 's ID numbers have been altered in handwriting. 

Delivery is still not complete and we have many damaged and missing items - they wo n't return our calls. I am trying to get the credit companies to reverse the charges. Since I did not authorize them, and I have not seen proper billing for me to agree to pay such charges. Also the services they did provide were unsatisfactory in many ways - resulting in damage to goods and properties as well as breaking the contract and delivering part of our load 26 days later then the contract. 

Does n't the consumer have control of where and when their money is spent. 
We need help. I absolutely did not authorize the charges the card was specifically meant to hold the reservation and the COD deal combined with billing is when I was suppose to pay the invoice. The first part of move in was XXXX XXXX you can see they did XXXX charges before we moved in and before we were presented with an invoice. 

If the credit cards were doing their job that would have done more due diligence and find out about authorization for such large charges. 
There are XXXX companies involved in this Bloomingdales XXXX, XXXX XXXX XXXX and XXXX XXXX. 

I want the charges reversed and I want to get legitimate proper bills with no cross-outs and hand writing on forms from XXXX that I can review prior to making any payment decisions. 

Thank you for your help, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-12
Company: Avant Credit Corporation
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
1. I have an Avant personal loan. For 6 months I have been making payments on time, they withdraw {$270.00} from my XXXX XXXX XXXX account. This works fine. 

2. I called them on XX/XX/2019 to make other arrangements to pay this month 's installment and they said I could use a credit card. Master  or XXXX. I gave them my MasterCard number, which had {$660.00} and change available credit. 

They said it was declined. They then put it through again after verifying the number and expiration date and 3 digit number on the back. They had also asked for my fill mane and address, my social security number and my phone number if I recall. They put it through again. It was declined again.

4. They suggested I try another card. I asked them if they could find out why it was declined and they said I had to do that.

5. I called my card provider and was informed their vendor ID had come up as being flagged as a gambling related operation which they would not honor. This is XXXX XXXX  supposedly reputable, or at least within the boundaries of the law?

6. I called Avant customer service back and they expressed sorrow for inconvenience and appreciation of my patience and that this is the " first time '' they had ever heard of such a thing, them being flagged as such and they suggested I try another Mastercard. I thought, not a good idea. They then suggested I deposit cash into my bank account so I can make my regular scheduled payment but I explained if I had cash I would have done so already basically.

7. I spoke to a supervisor and asked to speak to their legal department and they said they would register my issue with their higher up department but that would take up to 14 days before anything might happen.

In the interim, my concerns are : a ) I believe their customer service, offshore from what I can speculate, based on the accents and the boiler room background noise on the phone conversation, was phishing my personal information. 

b ) They are denying my the ability to pay my bill deliberately in order to charge me a late fee and or extra interest by making it as difficult as possible to pay them. 

c ) They may be guilty of predatory lending and or in violation of some law or another. Buyer beware I know, but this is just disheartening.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Had my computer stolen end of last year or beginning of this year. It had all my info on it all my pass words saved on it and all my dates would fill in any application. with all my correct info hope you can help. Someone tried to get credit card about XXXX or so really dont know exact amount of inquires they made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The open dates for are not accurate and the account numbers are invalid. XXXX never represents or corresponds to appropriate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation