BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
XXXX ACCT # XXXX Pursuant to the Fair Credit Billing Act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account is a billing error. 
This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request your company provide me with documentary evidence validating this alleged debt. 
If no such evidence of indebtedness exists, and the only indebtedness is by agreement, you can not lawfully furnish this inaccurate negative information to the credit reporting agencies. 
The United States is bankrupt. If this alleged debt is valid, what authority do you have to collect this debt in the United States? 
If this alleged debt can not be validated and turns out to be an extension of credit, that would make the negative information provision in any agreement between us void and unenforceable. 
Does this account include a finance charge? If so, does the finance charge include a premium the protects the creditor in case of default? Has any insurance been filed on this account? If a XXXX  or any insurance has been filed on this account, you have no right to continue furnishing this inaccurate information to coerce repayment of this extension of credit. The continued reporting of this inaccurate information would constitute a breach of fiduciary duty. 
Since there is no law under the Fair Credit Reporting Act requiring your financial institution to report negative information to a consumer reporting agency, your company is knowingly reporting inaccurate information to the consumer reporting agencies. Reporting information with reasonable cause to believe is inaccurate violates the Fair Credit Reporting Act. 
XXXX companys policy does not supersede Federal Law. I am demanding this charge off is UPDATED to PAID AS AGREED with a {$0.00} balance and a DELETION of all negative information be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm.

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 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 misleading 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 dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.

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 2023-10-13
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX removed from my credit report for identity theft and discover put it back I filed a police report and they still will not remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX # XXXX and 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 2022-05-21
Company: EQUIFAX, INC.
State: VA
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a XXXX savings account that i transferred money from into the America express account. When i tried to withdraw the money they marked it as fraud and now i cant release the money unless i " recall '' the money through XXXX. I have talked to a XXXX manager and it went up the chain they can not do this so called " recalled '' i have explained this to American express and they refuse to help or get a supervisor to talk to me. I need AMERICA EXPRESS to fix their own internal affairs and return the money where it came from the XXXX savings account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions 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:
The Gramm-Leach-Bliley Act ( GLBA ) requires consumer financial products, such as loan services or investment-advice services, to explain how they share data, as well as the customer 's right to opt out I choose to OPT-OUT of the services you provide to share my consumer data with All credit bureaus XXXX XXXX XXXXXXXX, XXXX Experian XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX : XX/XX/1989 Last 4 of social : XXXX To whom it may concern, There is an ID Fraud Alert listed on my credit file, it was placed on my file on XXXX as of XXXX I no longer need this fraud alert or Extended Alert listed on my file, I have attached a notarized copy of my address. 

Thank You, 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 explanation
Consumer complaint received 2022-09-11
Company: EQUIFAX, INC.
State: NJ
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 ( FCRA ) -- > XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my consumer rights. 

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

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Report provided to employer without your written authorization

Complaint:
ON XX/XX/XXXX CREDITORS AUTHORIZED MY REPORT WITHOUT MY WRITTEN/AFFIRMATIVE CONSENT.I HAVE 5-13 INQUIRIES ON MY REPORT BETWEEN XX/XX/XXXX-XX/XX/2018, AND IT HAS BROUGHT MY SCORE TO A LOW. I WASN'T AWARE OF THESE REPORTS AND MY SS # WAS USE IN A IMPROPERLY MANNER .ALL THREE BUREAUS WAS EFFECTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello, I have inquiries on my credit reports that I've never authorized. I don't have any accounts with these companies and these so called inquiries are affecting my credit score. Here 's a list of the inquiries that I didn't authorize. : 1 XXXX XXXX   via XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I need to remove these inquiries so my credit score may increase.

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 2023-09-23
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
back in XXXX  and XXXX  The DEPT OF ED/XXXX  started to reporting inaccurate Information on my credit report I've made numerous request for the to remove these inaccurate Information on my report and nothing I also ask the to send me proof that they send me a letter stating my account was going to be late, this company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports. also I've paid off two of this accounts and its still reporting inaccurate on my credit report I would like for them to remove these inaccurate report on my credit report..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-27
Company: PACIFIC WESTERN BANK
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Attempted to verbally inform Pacificwesternbank on XX/XX/21 they are not authorized to receive automatic payments from an account I no longer use. Pacificwesternbank, formerly XXXX XXXX is refusing to cancel unauthorized payments from my financial institution. I spoke to one customer service representative and two supervisors who all refused to assist or refer me to their legal department or resolve in accordance with federal law. Moreover, when I tried multiple times to have the appropriate person within their legal department or supervisory role be made aware they are in violation of federal law they told me to have a nice day and disconnected. I do not want to set up a new payment system until I know that they are operating in accordance with federal law and honoring my attempts to update my information without incurring fees and charges because of their illegal actions.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 ( FCRA ) -- > XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my consumer rights. 

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

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2019-04-23
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Purchases from XXXX to current charges was made in ny bank account. On XX/XX/XXXX filed a police report XXXX XXXX for identity theft and fraud. I then filed a report with my bank. The bank told me that they gave me forms when o open the account, that s was about safe guarding you info. I never received such a form. They also say it was no misprint for my pin and their was no mismatch in information. Which is why they decline my claim. I did not make any of those purchases. And it was not my fault my information was stolen in a XXXX. I would like the outcome that I get my money back. I am in the verge of being homeless with my children and we really need that money. So if I have you I ready to take this complaint to the end. I have nothing left to lose I m about to be in the street with my kids I need my money back. I spoke with the vendor they said they reported it as fraud they didnt charge me but than the money not in my account. This is so horrible that someone can act and try to look like you go around pretending to be you. And use your information and the first thing someone at the bank said to you is well it was no errors in your information. Well o would think so if they stole all of my information. 

Please resolved this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have requested for a security freeze to be placed on my consumer file. Equifax has yet to meet my request so Ive sent another letter to request a security freeze. Its been so hard for Equifax to respond to me. They will have you waiting months before getting back a response. I have mailed the required documents to identify myself so that the security freeze can be placed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Eltman Law, P.C.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Eltham Law Pc ( XXXX XXXX ) filed judgement against me on a debt with XXXX third party debt that I did not sign a note with them. She attempted to garnish my bank account which is not allowed in Texas. My bank called me and took care of it. At the time I did not know the law sof I got an attorney name XXXX XXXX XXXX he advised me to negotiate and I did paying {$100.00} a month for 3 years on time. Then on XX/XX/XXXX - XX/XX/XXXX they did not cash my checks. No call no letter no nothing. I tried to call no answer. I sent letters no reply. They breached the contract that was entered XX/XX/XXXX. I want my money back and judgement removed.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A while back I tried to put a XXXX utility bill in my name and I was told I couldn't open a account because I had a old balance from a home I never lived in my life. So recently I was interested in obtaining some credit for a business im starting so I pulled my credit report for the first time and the first thing I noticed was a couple of addresses that I never lived at before in my life also It was a job listed I never worked, then I noticed I had a couple of accounts that I didn't open also I had a lot of Inquiries. These things have really affected 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 2019-04-23
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citibank closed my account with no notice or warning. I received a letter dated XX/XX/19 saying the account was closed due to inactivity. This will impact my credit, and when I spoke to the company they said the only solution was to open a new account which would be considered an inquiry on my credit ( which also negatively impacts credit score ). After having this card for years it does not seem fair that they can close it with no notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Credit Karma, LLC
State: NH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was a victim of Credit Karma giving me preapprovals for credit cards. When I applied, I was denied. I stopped applying and now I disregard the preapprovals offers. My credit was checked and caused a decrease in my credit score. I expect to be compensated from the results of this lawsuit and I may stop using Credit Karma.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A pending transaction in the amount of {$120.00} was XXXX  against my checking account making 80 % of the deposited funds unavailable for use. The bank was unable to provide visibility to the merchant making the debit against my account. The bank was also unable to provide sufficient corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: CarMax, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
XX/XX/2023 i applied for a consumer credit transaction, an offer was made of XXXX i accepted the offer. they then told me that i have to put a XXXX down payment its required, the vehicle total cost is XXXX.but if we are going off a consumer credit application that means the fees and payments are taken care of due to the fact i was applying as a consumer and using the vehicle for personal and family use.15usc 1602 ( i ) in addition to the acceptance i was allowed to test drive the vehicle. as we are now back at the desk the sales woman was in attempt to complete my contract. i stated that i was not a customer but applying as a consumer to extend my credit to the business. they then begin to ask for information like check stubs, i provided them and everything was done electronically. i asked do they participate in TRUTH IN LENDING ACT and they replied yes well when i stated code 15 USC 1602 ( f ) - ( The term CREDIT ) - means the right granted by the creditor to a debtor to defer payment of debt or to incur debt and defer its payments. and aslo stating 15 USC 1611 Criminal liablility for willful and knowing violation because of discussing a contract between two entities not including the actual entitiy applying for the consumer credit.Carmax deliberately left me out of the finance agreement while having a verbal conversation over the phone then coming back to me acting as the middleman. i feel Carmax employees are incompetent in knowing federal laws and acts. A Consumer Credit Transaction - ( CONSUMER-a person who purchases goods and services for personal use. CREDIT-means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payments.TRANSACTION-to exchange. im simply stating, my rights as a consumer has been violated along with being disrespected by the dealership and finance company. while reiterating the laws to them and exercising my right in hopes that the people im extending my credit to would be competent but they are not! i made aware of my EXACT INTENT for the use of the services/goods. for personal use which falls under the the 15 usc 1602 ( i ). i also understand by law iam the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Navient XXXX XXXX has refused to release me from co-sign contract. My daughter has maintained a consistent payment for well over XXXX years ago and by contract I was supposed to be released from the co-sign contract if she consistently paid for 36 months and showed evidence of XXXX employment during that time period as well They claimed that since my daughter picked up other Credit debt I still have to remain a co-signer to the school loan ... XXXX is an unfair requirement and a violation of the original contract when I co-signed on the original loan

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
transworld systems inc. sent me a letter saying i owe {$1000.00}. the account is closed and settled for {$1600.00} and was given for XXXX XXXX XXXX XXXX XXXX XXXX.. creditors acct # XXXX transworld acct # XXXX

Company response to consumer: Closed with explanation