BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

XXXX of XXXX, XXXX of XXXX, XXXX of XXXX has violated my rights . 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
- There are several inaccuracies being listed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: VYSTAR CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2023 I made a transfer of {$50.00} from my savings to my checking BEFORE I made a purchase to XXXX  to ensure the money was in the account. On XX/XX/2023 Vystar Credit Union debited my account for a courtesy pay in the amount of {$29.00} ; however, there was nothing for the credit union to cover because I put the funds in the account. I have screen shots of my account AFTER making the transfer and it looks like someone intentionally tried to withdraw {$50.00} from the checking account but the funds were debited from the savings account. This has happened three times in 14 days and the last time I reached out to Vystar to have the fee reversed the customer service representative told me that it would be the last time the credit union would reverse the fee. The financial institution is charging bank fees to customers when no courtesy pay has occurred.

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 2023-04-05
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: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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 item and update it immediately in my report : XXXX XXXX Balance : {$210000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: EQUIFAX, INC.
State: CO
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:
I GOT AN ALERT THIS MORNING FROM MY CREDIT MONITORING COMPANY THAT EQUIFAX THE XXXX THAT THEY ARE HAVE NOW PLACED 3 ILLEGAL OPEN INVESTIGATIONS ON MY CREDIT REPORT AND PLACED THE ILLEGAL STATEMENT OF " CONSUMER DISPUTES-REINVESTIGATION IN PROCESS '' THIS IS WHAT HAPPENS WHEN THIS CHEAP, ILLEGAL COMPANY SENDS ALL INFORMATION TO A FOREIGN REP IN ANOTHER COUNTRY THAT CAN BARELY SPEAK ENGLISH AND CAN NOT READ ENGLISH EITHER. 

I AM ATTACHING PROOF OF THEIR ILLEGAL REMARKS AND ILLEGAL INVESTIGATIONS. I NEVER ONCE REQUESTED AN INVESTIGATION INTO ANY OF THESE ACCOUNTS BUT THEY DO THIS OVER AND OVER AND OVER AGAIN BECAUSE THEY ARE TRYING TO INTENTIONALLY HURT ME BY PUTTING THESE FALSE STATEMENTS ON MY ACCOUNT. 

1. XXXX XXXX/XXXX ( THIS IS A STUDENT LOAN THAT IS NOT EVEN HANDLED BY THIS COMPANY ANY LONGER AND HASNT FOR YEARS AND WAS IN GOOD STANDING SO WHY WOULD I CHALLENGE THIS '' 2.  XXXX XXXX ( 2 ACCOUNTS ) BOTH CLOSED AT MY REQUEST, AND BEING HANDLED BY A DEBT MANAGEMENT COMPANY AND PAYMENTS ARE ON TIME SO WHY WOULD I DISPUTE THIS? 

EQUIFAX DOES THIS OVER AND OVER AGAIN AND IS HURTING ME. WHY DOES THE CFPB ALLOW THIS TO HAPPEN OVER AND OVER AGAIN. EUQIFAX IS DOING THIS TO RETALIATE AGAINST ME FILLING COMPLAINT WHICH IS MY RIGHT. 

THEY ARE IN PURE VIOLATION OF THE FCRA BY CONTINUING TO PUT THESE ILLEGAL REMARKS AND OPEN INVESTIGATIONS ON MY CREDIT REPORT AND I AM DEMANDING THAT IT STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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 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 2018-10-09
Company: State Collection Service, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
State Collection Services Inc. ( XXXX ) continues to call my cell phone after i have repeatedly asked them to remove me from their list. They state that for security purposes they need my date of birth and name which I will not give them because they called my phone number and want personal information. After speaking with the representative XXXX & XXXX they both state that they will not remove me from the list because I will not give my date of birth. This is continued HARRASSMENT! I have received a number of calls from this company and continually ask them to remove me and they will not. 

I have never done anything with this company based out of Wisconsin, i am on the other side of the country in XXXX, PA. I asked them to put me on with their supervisor and they put me on hold and hung up leading me to have to go back through another 3 representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XX/XX/2017 I had voluntarily surrendered a vehicle with XXXXXXXX XXXX. The loan was for XXXX XXXX. They sold this vehicle for XXXX XXXX. They never corrected the balance on my credit report and are reporting I owe more than XXXX XXXX on the deficiency now. I tried to contact their customer service but had no luck in understanding the balance. I was never sent a bill after the repossession nor have they tried to contact me. They are reporting every month and every month the balance increases. I have tried to dispute with experian but they deny to even investigate this issue for 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 non-monetary relief
Consumer complaint received 2022-08-11
Company: Experian Information Solutions 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 did not consent to authorize nor benefit from the following account ( s ). Block and Remove!

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 2022-10-14
Company: Chime Financial Inc
State: OK
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have been a customer of chime for almost XXXX XXXX. I recently received an alert that my card was used at a gas station XXXXXXXX XXXX away while I was at work. The charge was for {$120.00}. I immediately alerted chime and the gas station : I was told by chime that the charge needed to go through before I could file a dispute. XXXX XXXX XXXX the charge went though and I filed a dispute with chime. I provided my time card which showed I punched into work at XXXX and punched out at XXXX. I also provided a map showing how impossible it would be XXXX XXXX almost XXXX XXXX from work to put XXXX in gas on my card at a location almost XXXX XXXX away. They however rejected my dispute XXXX XXXX later. I provided additional documentation proving it would be impossible to make those charges and how it was indeed fraudulent. Chime refused to investigate and repeatedly denied my claim. I called several times and several times had a scripted and unhelpful conversation with representatives that were very evasive and unhelpful. I am furious that after I provided more than sufficient documentation of being XXXXXXXX XXXX away at work they continued to deny my claim. They are allowing thieves to continue to making fraudulent charges by not actually investigating the facts and indeed, victimizing me XXXX  by not siding with me after I was robbed of money via card fraud. After about XXXX calls and XXXX emails of providing proof of being defrauded, I called and closed my account. Never in my life have I ever been treated so shabbily and received such bad customer service and to boot, Im out {$120.00} while a thief gets a away with fraud. Chime needs to be shut down or regulated.. its absolutely shameful

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: Nationwide Debt Reduction Services, LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I received this notice from Nationwide Debt Reduction Services LLC about Credit Card Settement with a 10 day response to the notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: SC
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # 517805XXXXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: CAINE & WEINER COMPANY, INC.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I canceled my policy with XXXX. They have acknowledged this but this company continues to try to purchase the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: Duvera Billing Services, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I borrowed money to complete an expensive purchase of a pet for my daughter! 

They took application at the pet store. 

They let me have {$1800.00} loan They said I could pay loan in 90 days without penalty or interest. 

I tried to pay the loan and they said that I missed 2 payments so the loan went into default and that I owed almost twice the amount of original loan in fees and interest! 

I contacted them and they insisted that I owed the money ; and that I could do nothing! 

Now they have another entity trying to collect the debt and in less than 14 months the debt has been reported to 2 of the credit agencies as over {$5000.00} They reported several times with variations to account number and totally different dollar amounts so the agency has lowered credit scores over 100points because of multiple violations or debts. 

The agency reporting the debt has not verified the debt and its been over 65 days since we requested proof or verification of debt. The companies name is DUVERA FINANCIAL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
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:
There are numerous accounts listed on my credit report that I have no knowledge. This was a result of malpractice or an error.

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 2019-11-07
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Credit card or prepaid 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:
On Friday, XX/XX/19, I attempted to make a {$400.00} payment to my XXXX XXXX. The payment did not appear successful so I reached out to XXXX XXXX customer service who advised the payment did NOT go through. I tried again, still nothing. At this time I waited several hours until once again attempting a 3rd payment. XXXX detailed none of these payment went though. Come Monday morning, XX/XX/XXXX, all ( 3 )  payments went through. I have made a a payment dispute with XXXX ( who ADMITTED this was an internal issue, even have the email that says it ), contacted their customer service via chat online and phone several times and filed a complaint with them. As of Tuesday, XXXX XXXX put a restriction on my account! Leaving me no access to use this credit card even though they have overdrafted my checking account! As of today, I called and was only told we can file another complaint, but fraud is set to call or email you soon FRAUD?!? I have been following up on this almost every day! I finally got escalated 3 times today and was told this can take 10 business days and they can not do anything!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions 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:
Notice to agent is noticed the principal notice the principal is notice to agent. 
I just received my reinvestigation back from XXXX XXXX. ld like to receive the description according to 15 USC 1681i ( 7 ). 
Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 
Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Revolving Account Loan Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : SECURED Remarks : ACCOUNT PAID FROM COLLATERALS ; CLOSED XXXX  # XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Revolving Account Loan Type : CREDIT CARDRequested On : XX/XX/XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX ) Requested On : XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XXXX XXXX XXXX ) Requested On : XX/XX/XXXX XXXX XXXX OF XXXX via XXXX XXXX OF XXXX ( XXXX XXXX CT, XXXX, IL XXXX Permissible XXXX : CREDIT TRANSACTION Requested On : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, VA XXXX, XXXX XXXX XXXX XXXX ) Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ] XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, DE XXXX, XXXX XXXX ) XXXX ) Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, VA XXXX, XXXX XXXX XXXX XXXX ) Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX ) XXXX ) Requested On : XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, IA XXXX, XXXX XXXX XXXX XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XXXX XXXX XXXX ) Requested On : XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXXXXXX XXXX XXXX XXXX  via XXXX ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX ) XXXX ) Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, IN XXXX, XXXX XXXX ) XXXX ) Requested On : XX/XX/XXXX 15 Usc 1691 15USC 1692 15USC 1681 ( m ) XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( AXi ). 
I attached a consumer report as evidence.

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 2020-12-06
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of someone claiming to be me and started service with the power company at a completely different address, I was never informed of this other account until I got a final bill after the other address had already had the power shut off and bill never paid. And it was a completely different account number. Then I had to file the police report and fight to prove my innocents. I finally get the case closed and found that I was a victim of FRAUD, Identity theft. Only to now find it on my credit report for up tp 8 years Unacceptable ... After this is taken care of I need to know whom I contact for a lawsuit regarding punitive damages, harassment etc? thank you..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Hello, I am having issues with Truist and nobody is trying to fix the issue Ive contacted the customer service department including the fraud department you guys literally took a {$1500.00} scholarship away from me due to system issues. The day I took out 10 grand from my savings account and transferred it to XXXX XXXX account it Limited my account to me no longer being able to make any transfers due to me reaching my limit. Furthermore there was 1500 deposited in my account from my university from a scholarship. 
I tried transferring that 1500 to my XXXX XXXX so I can then go ahead and close my accounts. However The app told me that I had to wait 24 hours because I reached my limit due to me recently taking out 10 grand out of my savings. So the next day I tried to do the transaction again still did not go through. But both transactions were pending on my account. 
Nothing never transferred over to my XXXX XXXX. So when I woke up the next day I seen that you guys overdrafted my account for {$1500.00} and literally took that {$1500.00} scholarship money. 
You guys owe me {$1500.00} and if I do not get my money in this overdraft taken off of my account I will be taking truist to court. 
I literally been contacting you guys back-and-forth and you keep putting me between the fraud department and customer service department and these people literally arent even able to help me and keep passing me back-and-forth between departments. 
Those two transactions states that it went through but I NEVER received my 1500 to my XXXX XXXX!! I literally gave my whole entire XXXX statements to the customer service department thinking that they will fix it but they said I have to contact the fraud department then the fraud department is saying that its nothing that you guys can do I want my {$1500.00} back and a negative balance so we removed off of my account

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