BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 fair credit reporting act XXXX  account XXXX has violated my rights.

15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Balance {$450.00} Highest Balance {$450.00} Opened XXXX. XXXX, 2021 ( 1 yr ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX Closed No Info

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 2022-09-20
Company: Avant Holding Company, Inc.
State: FL
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: Problem with personal statement of dispute

Complaint:
I received a credit card from avant several months ago in hopes of rebuilding my credit to purchase a home. I received the card used it a few times throughout the day then the last purchase I attempted to make declined. I immediately contacted customer service to inquire about this because it was a brand new card and I know that the small purchases I made didnt total to the credit limit of the card. This was over 60 days ago it is reporting negatively on my credit report and I only received some assistance when I opened a case with the XXXX. I decided to call today because again it has surpassed the 60 days that they claimed the investigation would take. Coincidentally I was told I received a denial for my claim today through email which I did not but it was awfully strange that when I called the case so happens to be closed on this particular day. This is reporting negatively to my credit report for months assistance with this matter has been nonexistent to say the least. Again this and several other cards which are current were to build my credit. Avant isnt protecting its customers and is trying to get over which is no better than the individual who utilized my card however they were able to. I will fight this charge until it is removed I will not pay for something I didnt do. Avant has dragged its feet for several months on this issue I will not be silenced about this I hoped this would be a good experience but it has been one of if not the worse experiences Ive had with a credit and company to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: CITIBANK, N.A.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The complaint is in reference to my Macy 's credit card I've had for over a decade. I have had several issues with receiving statements and letters in English versus XXXX so I can not read them. English is my primary language and I do not know XXXX. When I go into my account and change my preferred language, it will revert back to XXXX. 

On XX/XX/2022, {$71.00} was changed on my credit card and because there wasn't a balance due, the system wouldn't allow me to immediately pay for the purchase a couple of days afterwards so I waited until I've received monthly statement. 

The issue is I wasn't properly notified because all the monthly statements and letters were all in XXXX I was unable to read them. I was able to translate the last letter received from XXXX to English via XXXX site to understand the letter details and immediately paid the past due amount off. 

I've called Macy 's earlier today ( XXXX on XX/XX/2022 ) and the agent, XXXX, was not helpful. He stated that the credit team was gone for the day, then said they did not come in due to a holiday, and refused to disclose their hours.

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 2022-09-20
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Report fraud of {$10000.00} along with proof of XXXX  and XXXX on dates fraud was committed only to receive half a provisional credit for XXXX on XXXX but when request made to dispute other {$5400.00} for the other half told provisional credit reversal would be made on XX/XX/2022 and case was lost even though I have sent proof I couldn't have been retriever of funds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Identity stolen and XXXX account was created by someone I dont know and at an address I am unfamiliar with. This is hindering my ability to close on a loan and Im a victim not delinquent consumer

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 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX  XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXXXX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXXXX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXXXX/XX/XXXX XXXX UNAUTHORIZED INQUIRY XXXX XXXXXX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXXXX/XX/XXXX - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.

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 2022-06-25
Company: Experian Information Solutions 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 fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 


Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Balance {$450.00} Highest Balance {$450.00} Opened XXXX. XXXX, 2021 ( XXXX yr ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX Closed No Info

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: Experian Information Solutions Inc.
State: CA
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2022-06-25
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 fair credit reporting act XXXX XXXXccount XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 


Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Balance {$450.00} Highest Balance {$450.00} Opened XXXX. XXXX, XXXX ( XXXX yr ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX Closed No Info

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
-- As a customer paying off an auto loan account in full, incurred interest charges that were applied as the payment was processed. Could ruin the mortgage process for a 30 day late payment. 

I attempted to pay off my auto loan, using the payoff amount as listed in the more details tab on XX/XX/XXXX. After submitting the payment of $ XXXX. My installment account balance stated {$0.00} for several days after i paid off the account. However 30 days later i receive a notification to personal capital about a fee from Fifth third bank about a late fee. I reached out to the bank about the {$35.00} late fee and was just told it would be removed with no real explanation about why it occurred. Again I checked my app and it states a balance of {$0.00}.

The Next week I received a notice that my account is now in default for the amount of {$3.00}. I try to pay this amount off on the app and get a system failure because the balance states {$0.00}. I receive a call to get this amount paid off and finally pay the small amount of interest. I had the ability and willingness to pay this interest amount but was uninformed that any amount was due.

Now as a consumer in the middle of trying to secure a mortgage loan I receive a credit bureau report of a late 30 day payment. 5/3rd bank has an intentionally deceptive UI screen that will hide the incurred interest in a smaller drop down window, unhelpful customer service reps, and a system that is unable to take a {$3.00} charge. As a consumer who has unblemished credit, i may miss out on historically low rates due to these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been going back and forth with USAA about this credit card debt since XXXX of XXXX. I originally mailed them documents ( Validation of Debt ) requesting them to provide evidence/proof of the original lawful contract signed in wet ink by both parties, myself and USAA FEDERAL SAVINGS BANK XXXX Up until this point, they have never been able to do this. I have sent many other documents to include an Affidavit of Truth stating violations from USAA FEDERAL SAVINGS BANK, I had submitted a CFPB complaint back in XXXX of XXXX, mailed an Affidavit of Non-compliance, Affidavit of Service, Notice of Fault, and my most recent correspondence was mailing a Notice of Default and Consent to Judgment. All of these documents have been certified mailed and received by USAA FEDERAL SAVINGS BANK and stand unrebutted in law. To date, I have yet to receive any type of proof/evidence of the lawful contract that proves I am obligated to pay the debt associated with this account. In my previous CFPB complaint, USAA FEDERAL SAVINGS BANK stated that verification of debt was sent to you on XX/XX/XXXX. The letter referenced in this statement was simply a copy of an account statement and did not provide/include any sort of LAWFUL contract. USAA FEDERAL SAVINGS BANK also stated within their reply that we confirmed the PII provided on your account application matched your data in consumer and credit databases, account transactions occurred within your geographic location, and regular payments were made from your USAA FSB deposit account. This statement along with the rest of the reply from my original CFPB complaint never stated or confirmed that they were ever able to provide to me the original, lawful contract. A lawful contract consists of 5 things : A valid offer, adequate consideration, valid acceptance, sound mind/Mental clarity, and a Meeting of the Minds along with a wet ink signature. USAA FEDERAL SAVINGS BANK continues to not and has not been able to provide any sort of document, piece of paper, that is inclusive of the 5 parts I just previously listed. A lawful contract does not even exist between USAA FEDERAL SAVINGS BANK and I because they never provided adequate consideration, as they were unable to provide anything of value because they have no lawful money in their bank/on their ledger. There was also no Meeting of the Minds and wet ink signature as I never met with the CEO of USAA FEDERAL SAVINGS BANK and signed an actual piece of paper/contract. Since USAA FEDERAL SAVINGS BANK has been unable to provide the original lawful contract, they are NOT the holder in due course and is not owed anything. 
I continue to dispute this account as well and USAA FEDERAL SAVINGS BANK continues to report the account to the credit bureaus as delinquent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
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 fair credit reporting act XXXX  accounts # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # 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 : its 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 2022-08-22
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 fair credit reporting act XXXX accounts # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # 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 : its 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 2023-10-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I HAVE REACHED OUT TO EXPERIAN SEVERAL TIMES CONCERNING THE NEGATIVE IMPACT ON MY CREDIT REPORT THAT HAS CAUSED ALOT OF STRESS ON MEAND MISSED OPPORTUNIES .THE LATE/MISSED PAYMENT REFLECTING FROM MY TWO CREDIT CARDS XXXX, XXXX XXXX AND XXXX XXXX ALL FROM XXXXXXXX XXXX XXXX XXXX.THIS A DEFLAMATION TO MY CHARCTER. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the fair credit Reporting act XXXX  Account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Sent from

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 2023-10-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company 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