BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: MI
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:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-06-30
Company: LEXISNEXIS
State: GA
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:
XX/XX/2022, I sent a letter to the courthouse confirming if bankruptcies get reported to the credit bureaus and I got a letter stating They do not report any bankruptcies to the credit bureaus. So if thats the case, how did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to the:15 USC 1681 .

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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.

According to : 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 2022-06-30
Company: EQUIFAX, INC.
State: MN
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:
Trying to work with Equifax has been horrible. Terrible language barrieries and repetitive script reading. I have submitted multiple FTC reports regarding the inquiries. These have yet to be removed because the agents at Equifax can not read. Here are the inquiries I have requested several times to be removed. 

( ( XXXX XX/XX/XXXX ) ) ( ( XXXX XX/XX/XXXX ) ) ( ( XXXX XX/XX/XXXX ) ) ( ( XXXX XXXX XXXX XXXXXX/XX/XXXX ) ) ( ( XXXX, XXXX XX/XX/XXXX ) ) ( ( XXXX XXXXXX/XX/XXXX ) )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: Experian Information Solutions Inc.
State: TX
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, My letter was stamped received by Experian Credit Bureau. The letter was a request for reinvestigation into accuracy of information being reported on my credit file.. Per the federal mandated time for this investigation. By law is 30 days, for the investigation upon completion of the results, I am to be made aware of whom completed the investigation results, whom was contacted in reference to the investigation, completed results, and how was the investigation information was obtained, The account XXXX Acct # XXXX is reporting inaccurate on my credit file, XXXX XXXXXXXX XXXX, Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX & XXXX Acct XXXX XXXX. As, of the date of this letter I have not received my results of my investigation. From Experian Credit Bureau per federal law the mandated required time of 30 days has lapsed. Due to no response, and the non deliverance of my credit investigation results, and nor a copy of my updated credit file. My federally constituted rights has been violated by Experian Credit Bureau. Per under section 15 USC 1681.

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 2022-06-30
Company: EQUIFAX, INC.
State: CA
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 ; XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX : XXXX has violated my rights.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan depot did not figure my escrow correct. They did not include the school taxes. I corrected the problem by paying them {$18000.00} to bring my escrow account up to date. Since they made a grave error I requested to pay my own escrow, because they are charging me {$6100.00} a month of which {$3700.00} is escrow. That brings my escrow account to {$45000.00} a year of which I owe approximately {$23000.00} a year. An overage of approximately {$22000.00} a year. I wrote a letter to XXXX XXXX on XX/XX/2022 to cancel my escrow account and apply balance to principle and I will be responsible for my escrow account. No response from XXXX XXXX so I again wrote on XX/XX/2022 with no response. I then called on XX/XX/2022 and talked to XXXX XXXX and explained what had happened. He wrote back that the escrow department was looking at my request and would get back with me in 60 days. I told him this was unexceptionable. They have doubled my monthly payments for there mistake and I will have a hard time making the payments, which then they can foreclose on me and take my house. This is criminal behavior to me. Your help in this matter would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Sequium Asset Solutions, LLC
State: FL
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:
Hey, this your warning delete that XXXX off my consumer report or you will be going to jail for aggravated identity theft. You are violating rights to privacy and I didnt give you my lawful authority to get my nonpublic personal information. Now delete that collection account off my consumer report. And I refuse to pay any alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: Experian Information Solutions Inc.
State: FL
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, 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 Acc Name : XXXX Acc Number : 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 2022-06-30
Company: Telsa Motors Inc
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Hi, I have a problem with returning my car to Tesla. 

On XX/XX/2022, I returned my leased car Tesla XXXX XXXX back to the dealership. On the pre-inspection, I've got a recommendation to change my rear tires since they were used. Before returning the car on XX/XX/2022, I changed my old tires to new ones. 

After a few days, I received an invoice where Tesla wanted to charge me for the old tires. 
I told them that I changed them to new ones. They send me photos of absolutely different cars ( I understood that because in the picture all tires were XXXX ). But I changed them to XXXX with the same characteristics as XXXX. 

After I attached to email the recipe from the tire shop and tell them that they are cheating with evidence. They stopped replying to my emails and I don't have any updates. 

Please, feel free to ask me any questions.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: SYNCHRONY FINANCIAL
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Called to liquidate a CD on XX/XX/XXXX. Was told that funds would not be available for 3 to 4 days. 

Problem # 1 -- - they don't pay me interest for those days they are keeping my funds Received funds on XX/XX/XXXX- they placed it in a high yield savings account. When I attempted to transfer funds to a linked external account, I was informed that the amount exceeded transaction limits. I called customer service ( I swear there was a chicken crowing in the background ) and was informed that there was a {$25000.00} limit per transfer. Looking through their account agreement, there is only a limit of 6 transfers, and no amount limit. Rather than go through the hassle of arguing with someone with no authority, I just wanted to close the account. I was informed that the closure would take up to 4 business days and any funds transferred would take an additional 2 business days.

Problem # 2 -- - they are keeping my funds for 6 business days held in limbo without interest.

From CD liquidation to funds received at my external account, Synchrony Bank is keeping my funds, interest free, for 9 business days, not to mention the inconvenience or any other costly problems this has caused.

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 2022-06-08
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Contact : XXXX XXXX Description : I have banked with SunTrust now Truist bank for over 15 years. I have a monthly paycheck from the school board deposited every month. Last year I became a XXXX  to earn extra money to pay down credit cards. I sold a XXXX  and received my commission check on XX/XX/XXXX for XXXX. I went to the branch located at XXXX XXXX XXXX XXXX in XXXX XXXX, Fl. To deposit my check and payoff credit cards. I was told there would be a hold but not for 10 days. And never was I told I would have no funds in my acct that they would actually make my available account balance negative the amount that I deposited. I've worked in banking before and have never experienced this. The check I deposited was drawn from an instate bank. I paid some credit cards and other items and was charged many NSF fees and had my payments returned all while the bank is holding my XXXX check hostage. This is an unfair practice. When I called the customer service line I spoke to 3 different people and no one could help me. I called a local branch in XXXX and she attempted to help but then did not answer or return my today when she told me to follow up today ( XXXX  ) I do know my husband has deposited my other commission checks at other branches and never had this issue.

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 2022-07-01
Company: EQUIFAX, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report. I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX NAME : XXXX, XXXX, A EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NAME : XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, AZ XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 Account # XXXX, and 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 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 2022-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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, My letter was stamped received by XXXX Credit Bureau. The letter was a request for reinvestigation into accuracy of information being reported on my credit file.. Per the federal mandated time for this investigation. By law is 30 days, for the investigation upon completion of the results, I am to be made aware of whom completed the investigation results, whom was contacted in reference to the investigation, completed results, and how was the investigation information was obtained, The account XXXX Acct # XXXX is reporting inaccurate on my credit file, XXXX XXXX Co, Acct # XXXX, XXXX XXXX XXXXr Acct # XXXX, XXXX & XXXX Acct XXXX XXXX. As, of the date of this letter I have not received my results of my investigation. From XXXX Credit Bureau per federal law the mandated required time of 30 days has lapsed. Due to no response, and the non deliverance of my credit investigation results, and nor a copy of my updated credit file. My federally constituted rights has been violated by XXXX Credit Bureau. Per under section 15 USC 1681.

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 2022-12-01
Company: EQUIFAX, INC.
State: NY
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:
According to the Fair Credit Reporting Act ( FCRA ), you are required to promptly delete all information that is inaccurate, incomplete, or unverified. I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened a US Bank XXXX Credit card at XXXX. I enrolled their offer get XXXX points after I spend XXXX in 120 days. I finished their requirement at XXXX and I called their customer service to confirmed it. They said everything was met. just wait for next month statement to post the bonus. After next month statement I still not get any bonus yet. I called them again in XXXX. They still confirmed for me everything ok they will let manager to handle it. But after that I do received the letter said I am not met the XXXX requirement yet. so no bonus for me. I called them one more time. Now their supervisor XXXX is very rude, she changed the story said my XXXX  card doesn't count to the requirement. So they won't give me bonus. What happened to the US bank. They just use tricky to treat customer like this? I use their bank a couple years. I am their loyalty customer. Now I felt very frustrating and unhappy for their customer service. I just be cheated. If they said I am not met their requirement on the beginning when I called them. I still has time to spend it. Not just wait for 2 months later to tell me about the result is no. I think maybe it is the way they can save the bonus to keep the money. This is unacceptable. I want them honor the XXXX bonus.

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 2022-07-28
Company: EQUIFAX, INC.
State: KY
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 Account # XXXX, and 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