BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-27
Company: Lending Club Corp
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: Report provided to employer without your written authorization

Complaint:
I have been disputing these Inaccurate unverifiable accounts 1. ) LENDING CLUB CORP ACCT # XXXX 2. ) XXXX XXXX XXXX XXXX ACCT # XXXX might I add this are inaccurate and incomplete account numbers displayed on my reports which is a federal law violation of 1515 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

with the credit agencies for months now and they are violating my privacy rights. 15 usc 1681b Permissible purposes of consumer reports i never gave the company authorization to report this on my report and i am the original creditor. 15 U.S. Code 1602 - Definitions and rules of construction section ( G ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. This is a violation of federal law and a breach of my privacy rights it must be removed immediately or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
The following accounts below were reported incorrectly and inaccurately TRANSUNION with no supporting documents of that this is valid and have no error. The payment history is incomplete and they failed to provide any proof which I already requested for so many times.. Moreover, the accounts have illegally re-aged which is totally not acceptable as per Federal Credit Reporting Act requires 100 % accuracy. The issues have been raised previously with no feedback received. 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 2021-10-27
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: Report provided to employer without your written authorization

Complaint:
I have been disputing these Inaccurate unverifiable accounts 1. ) XXXX XXXX XXXX ACCT # XXXX 2. ) XXXX XXXX XXXX XXXX ACCT # XXXX might I add this are inaccurate and incomplete account numbers displayed on my reports which is a federal law violation of 1515 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

with the credit agencies for months now and they are violating my privacy rights. 15 usc 1681b Permissible purposes of consumer reports i never gave the company authorization to report this on my report and i am the original creditor. 15 U.S. Code 1602 - Definitions and rules of construction section ( G ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. This is a violation of federal law and a breach of my privacy rights it must be removed immediately or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Dear XXXX, XXXX, TransUnion, I am writing to dispute the following information that appears on my consumer report : Explanation of items being disputed : My report includes accounts with late payments, missed payments, and serious delinquency that are not mine. 
The referenced accounts have been previously disputed as fraudulent accounts opened by someone that stole my identity. 
Im the victim of identity theft and I dont recognize these the accounts on my report. I have included a copy of the FTC identity theft affidavit describing the identity theft. 
you should not report it under your credit reporting agencies. If you have already reported it, please delete them from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.

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 2019-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
So this what happened, I was told that if I was to pay the balance in the account it will be deleted from my credit report but it didn't happen. I attached files to prove my identity and what has transpired between me and the company.

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 2021-11-26
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Regardless of the multiple written requests, the inaccurate information about my accounts listed below are still reporting on my Equifax Credit Report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here are the concerned accounts : XXXXXXXX XXXX  XXXX {$0.00} XXXX XXXX XXXXXXXX - XXXX opened XX/XX/XXXX XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX - XXXX opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: The Bureaus, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/22 I sent a formal request via certified mail to The Bureaus Inc regarding a collection account they are reporting under my social security number. 

I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local North Carolina laws. as well as competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. 

They are also in violation of the NORTH CAROLINA DEBT COLLECTION ACT, NC.GENERAL STATUTE.CODE XXXX et seq. which prohibits a debt collector or credit bureau from engaging in debt collection in North Carolina unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 

The NORTH CAROLINA DEBT COLLECTION ACT ( NCDCA ) defines a debt collector as any person who directly or indirectly engages in debt collection and further applies to creditors attempting to collect their own debts. NC. GENERAL.STATUTE. CODE XXXX ( b ). Furthermore, NC. GENERAL.STATUTE.XXXX  states that a person, firm, corporation or association conducting or operating a collection agency without the permit shall be guilty of a class I felony. 

As of today XX/XX/22 they are in violation of NORTH CAROLINA DEBT COLLECTION ACT, NC. GENERAL.STATUTE.CODE XXXX et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E. 

To my knowledge, The XXXX XXXX DOES NOT have a XXXX bond on file with the NC Office of the Secretary of State, and are continuing to violate NC State Laws as well as Federal Debt Collection Laws. Due to this violation, any negatice tradelines on my credit report must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had set up my mortgage on auto-pay as I knew work and the holidays would be crazy. However, it slipped my mind. So when the XX/XX/XXXX bill came in, I paid it online. There was no notation on the bill, or warning on the home or payment page that our loan was on auto-pay. This seems very irresponsible of a company to not warn customers a payment has already been made and a warning of overpaying, especially when it is a significant amount - it is misleading and an incorrect representation of the account. Our auto loan and credit cards companies provide the notifications, so how are they not held to the same standard?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card
Issue: Other

Complaint:
Navy Federal Credit Union is Reporting an Authorized User File on my Account, both myself and the Original Owner have asked for me to be removed, XXXX is stating that the information is accurate, however, I am not the owner of this account, it is showing late payments and affecting my credit. Just as the other bureaus have removed this from my file, I expect XXXX to remove it as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: EQUIFAX, INC.
State: NC
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 report acXXXX XXXX XXXX Account # 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 2 : It also states a consumer reporting agency can not furnish a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Lien Enforcement Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A few months ago I began receiving letters and phone calls from Lien Enforcement , Inc. demanding payment of {$4000.00}. At first, I thought it was a simple scam, but after receiving another letter, I called to investigate. I was told that this debt is from XXXX XXXX, a towing company that claims to have towed and held a car I once owned. I informed Lien Enforcement , Inc. that I had sold the car the year before, therefore, I am neither the legal owner of the car or the debt. They asked for proof that I sold the car, but I have no written proof, as I submitted the pink slip form to DMV to remove ownership of the vehicle from my name. The representative from Lien Enforcement , Inc. informed me that they considered the debt mine and that they would use all means necessary to collect. 

On XX/XX/2023 I received a " final notice '' from Lien enforcement. I researched the company and found that they have a high complaint rate with this agency, so it appears that I'm not alone in being falsely accused by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Square Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2020 a request from XXXX XXXX ( XXXX ) was made I thought nothing of it because it was my cousin and she's really good at returning or sending money to. On XX/XX/XXXX I called XXXX XXXX and ask when was she going to return the money that I sent her like was stated in the request. She then told me that she never received any funds or sent a request now we are both totally puzzle to what's going on because if she did not get the money who did is the problem and who had access to her account where she had no clue about it. So she screenshot me her activity and I did the same and we were still totally shocked that this ever happen I also check my web receipt to come to find out that it was totally a scam from who I never met a day in my life or have phone conversations with how do they have the same cash app logo as XXXX  as picture ( XXXX XXXX ) I'm not sure if the scam came from XXXX XXXX or someone outside of cash app but this is ridiculous that this even happened. I contact XXXX XXXX on several different occasions and each time it was told that it was my fault and I should verify before sending any funds my question repeatedly to cash app is how can I verify any farther if this is the person if I'm unable to actually see the actual who's the actual request from until there's a web transaction I need help and I need my money back there's already a crisis going on and I've been laid off and all money needs to stay inside my home if I can help it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is a bankruptcy reporting that was discharged in 2019. 
I have spoke with the courts and they told me they do not report to the credit agencies. 
I have contacted the credit agencies and requested a deletion showing a letter the court gave me. I have attached the same copy. 

I have been working very hard on my credit over the years and I am trying to refinance my car and one day buy a home. Please help me in removing this negative judgement from my report. 

Thank you

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 2016-09-15
Company: Caliber Home Loans, Inc.
State: AL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT TO XXXX. I c.c., the CFPB, in efforts Caliber Home Loan, be held accountable, and to document on record, illegal the and unjust activities that exist to date. There are payment errors, escrow errors, fee errors, servicing errors, payoff errors, and foreclosure errors, that need to be addressed. 

I also requested, a complete servicing file, a copy XX/XX/XXXX and XX/XX/2015 mortgage statements. A itemized reinstatement, and for all errors to be fixed on account. I am also attached some additional, inquires, and notices that I have sent to Caliber, that have yet to be addressed or acknowledged, I will also be fowarding them to additional, state and federal agencies. 

Caliber continuously refuses, to properly address loan, lie, blatantly ignore, and disregard, multiple state and federal laws. There are many issues that continue to date, in which additional complaints will follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have contacted Citibank Best Buy and spoke to XXXX ( Rep Id # XXXX ) in regards to applying to a two interest payment adjustment and for a deferment on the monthly payments. The associated advised that Citibank has no plan in place. I live in the state of New York and we are deeply affected by COVID-19. This is unacceptable and Citibank should have a contingent plan in place for such a catastrophe. Please have someone that is more competent in applying the interest charge credits and implementing the deferment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
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 15 USC 1681.

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 2016-11-21
Company: WESTERN UNION COMPANY, THE
State: WY
Product: Other financial service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
First off, the money is not lost or stolen. It was damaged and I possess what is left - about 75 % - enough to read the amount, who it should have been paid to, my address, most of my signature, the routing and numbers on the bottom, and where I purchased it from. 

The money order I purchased to pay my rent was returned to me by the US Postal Service with an apology for damaging my mail. I took my purchase receipt, the money order receipt ( bottom portion ) plus what was left of the money order and the USPS enveloped back to the place where I purchased it but they were unable to replace it. I called the Western Union customer service number and spoke to XXXX who proceeded to inform me that I needed to fill out the back of the money order receipt, include {$15.00} payable to them in a personal check and then wait 60 days. Why? I do n't want a refund. I want them to take the damaged money order I paid cash for and replace it. I do n't want a stop payment. I do n't have 60 days to wait and my landlord wo n't wait. Today, I have accrued {$80.00} in late fees. To say I 'm on a budget would be an understatement on a grand scale. 

XXXX put me on hold while he went and found his supervisor. Then when he 'found ' his supervisor and transferred the call, well I waited on hold for 30 minutes before hanging up. 

Bottom line here, Western Union was paid for a service with cash. They are now collecting interest by withholding my funds and want another {$15.00}. Not acceptable by any means.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have a Macy 's American Express card. A month ago I had a credit limit on my card of {$4000.00} with payments on time, and always more than the minimum and never late, also a month ago I made a payment to my account of {$500.00} and {$70.00}. After this they have decided to decrease my credit limit from XXXX to XXXX. They have even sent me a letter stating that my score according to XXXX  is XXXX when this is not true. I have never had such a bad score. It is the first time that this happens to me I have cards with higher limits and no bank has taken that attitude. With this, they have only damaged my credit and have looked for ways to charge me more interest with the aim of earning more money, leaving my account at the limit. This is very unfair.

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