BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to file a formal complaint regarding a potential violation of 15 U.S.C. 1681a ( 2 ) ( i ) under the Fair Credit Reporting Act. I believe that the information provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in a consumer report has not complied with the exclusion outlined in 15 U.S.C. 1681a ( 2 ) ( i ). Which state that Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The consumer report I received from XXXX, XXXX and Equifax contained information that was solely related to transactions or experiences between me and the entity making the report, as per the exclusion outlined in 15 U.S.C. 1681a ( 2 ) ( i ) However, I believe that the information provided in the report did not adhere to this exclusion and included elements that extended beyond the scope of transactions or experiences between me and the entity. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that my rights under the Fair Credit Reporting Act are upheld. 

I understand the importance of accuracy and compliance with federal regulations in the handling of consumer information, and I trust that the Consumer Financial Protection Bureau will thoroughly investigate this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXXXXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX XXXX  XXXX Balance : {$17000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: TX
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Chime Financial Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I was released from a prison term of 6 years on XX/XX/XXXX and had to reactive my XXXX benefits. I visited the SSA and completed the process of reactivation. Because I no longer had my XXXX XXXX XXXX, I signed up for a Chime Card after seeing the commercial on television. On XX/XX/XXXX I changed my direct deposit and received confirmation from the Social Security Administration. 

Per the SSA ( Social Security Administration ) my direct deposit was effective on XX/XX/XXXX, but on XX/XX/XXXX no benefits were received on my debit card ending in XXXX. I went back to the SSA and was told that the funds were released to Chime ( XXXX XXXX XXXX ) and I needed to contact them. 

I immediately went home and contacted the support team and was told they could not see my direct deposit. The next day I was told that it would take some extra days because it needed to go through the federal reserves before coming to them. The day after that I was told that because this is my first direct deposit that it would take extra days and they would post my funds upon receipt. From XX/XX/XXXX to XX/XX/XXXX, I still have not received my direct deposit in the amount of {$980.00} and I have a problem with this. 

Their advertisement states that you can receive your check up to 2 days earlier, but if signing up for the card in XX/XX/XXXX that was 30 full days they needed to verify my information for the direct deposit date of XX/XX/XXXX. Also, to verify my account, I had to submit a front and back copy of my identification card, which approved my account. 

I am filing my complaint because at this point Chime ( XXXX XXXX XXXX ) can not tell me where my money is and my landlord has provided me with a 3 Day Notice to Vacate. I need help ASAP! 

Please, investigate my complaint at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Steel River Systems, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received two letters from Steel River Systems , LLC saying I owe a debt to XXXX XXXX XXXX that they have bought. This debt they are referring to was settled with XXXX. I remember having to write all the credit bureaus to prove to them that it was settled so they could take it off my credit report. I called XXXX and they will only confirm that they have recently sold information to Steel River Systems LLC. but would not comment on my specific account. I called XXXX XXXX and informed them that their information is wrong and they insist I owe this debt to them. This debt is dated from Steel River XX/XX/2004. I wish to no longer be contacted regarding this misinformation. Their reference number is 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 2023-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I disputed a charge in XX/XX/23 because an item I purchased had been returned and not properly refunded ( {$10.00} of {$210.00} ). 

XX/XX/XXXX  I received a letter saying they were rejecting the dispute unless I provided more information, I sent them a detailed signed statement as requested, the purchase receipt and the invoice showing them the item had been returned. 

Within an hour, I received an automated letter saying I failed to provide any evidence and my case was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a substantial balance on my USAA credit card at an interest rate greater than 22 %. Due to cash flow issues largely out of my control I called them and asked for a payment holiday. A payment holiday would simply mean I do not have to make the current monthly payment, the interest would still be charged, etc. They told me they can not do this. I was then told that they basically can not do anything-waive a monthly payment, reduce the interest rate on any of the substantial balance, or even waive the late fee. They offered nothing on a card we have had for many years. In addition, we have had USAA homeowners and auto insurance for over XXXX  years. You guys said, maybe we can waive the late fee AFTER it is charged and I spend another hour on the phone with " customer service '' Really? Predatory lending.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Aspen Yo LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Back in XX/XX/XXXX, my home mortgage company was XXXX and I was in a temporary forbearance during XXXX XXXX crisis. In XX/XX/XXXX my forbearance came to a end and I received a letter that Gregory Funding LLC took over my loan from XXXX. During this time I reestablish a home modification with Gregory Funding LLC with the understanding I would need to start paying out of pocket home owners Insurance that it would not be included in my mortgage payment XX/XX/XXXX. Furthermore from the start of my loan in XXXX till today, XX/XX/XXXX, over 1 year of on time early payments, plus even setting up auto pay monthly, Gregory Funding LLC has not XXXX TIME reported my credit to any of the XXXX credit bureaus. My credit score plays a important role in my life as I am reaching age XXXX in XXXX. I need this to help me while on Social Security, car repairs, medical test my medical insurance doesn't cover, living expenses and so on ect. I think you get the picture. Credit is a valuable tool in ALL peoples life. I would greatly appreciate it if Gregory Funding would take the time to help a loyal on time customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below XXXX XXXX XXXXXXXX XXXX Equifax Account # : XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the ( A ) ( 1 ) person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: EQUIFAX, INC.
State: OH
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:
To whom it may concern : On XX/XX/2023, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I got a letter stating They do not actively publish information about any case to credit reporting agencies. 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 2023-04-03
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX I bought a refrigerator from Lowes using my Lowes C/C. The item was delivered about a week later with doors that were misaligned and 5 huge dents. The delivery folks took pictures and then refuse to take the damage refrigerator back. With in a hour I drove to the Lowes store in XXXX NC and spoke with the appliance manager. He told me since it was ordered on line that there was nothing that he could do and gave me a sticker with their distribution center. After 3 calls I finally was able to get a date to pick up the damaged refrigerator. when the folks came to pick up the unit I asked for paperwork to confirm that they have indeed taken the item. 
Synchrony Bank investigated it for some 60 days and said since I have the item I must pay for it. In XXXX I refiled my claim and again waited 60 days with no contact, no resolve and I am being charged interest and monthly for an item that was returned 5 months ago.

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 2023-08-21
Company: EQUIFAX, INC.
State: MI
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:
I sent a letter last XX/XX/XXXXXXXX  to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: TRANSWORLD SYSTEMS INC
State: RI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TRANS WORLD SYSTEMS, debt collection agency have been calling me daily claiming I owe thousands of dollars to a XXXX lab. When I told them I have never had any XXXX lab work and that this debt was either a mistake or possible identity theft, they claimed they would look into it but still insisted I make payments. They also claimed that I had made prior payments in the past which was not true. They were not able to accept that I would not make payments for a debt. that I did not owe. They were persistent and didn't seem to get the message at which point I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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: Their investigation did not fix an error on your report

Complaint:
Transunion has claimed to have " verified '' the items I have previously disputed to be accurate and complete. 

However, when I pulled a new copy of my credit report, I noticed that the accounts and inquiries that I disputed are still there even though they are inaccurate and incomplete a I can tell that a proper investigation has not been conducted by Transunion. As a result of this, it has caused me to experience credit and loan denials caused by the willful and negligent actions of this company. 

This is a violation of 15 USC 1681s-2

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 2023-03-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Portfolio Recovery is currently reporting an account in non compliance with following GLBA statues ( s ) Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was informed by a Navy Federal Credit Union representative that I could go to a XXXXXXXX XXXX located in XXXXXXXX XXXX and withdraw a XXXX dollars each transaction at a time. But, the ATM only let me only draw only up to {$400.00} dollars at a time! I only did XXXX transactions then the ATM advised me to contact my financial institution! So, I contacted Navy Federal again! They transferred me supposedly to someone who could help me, but she was sarcastic! She told ne that on my debit card that I could withdraw a XXXX dollars on the debit card, but it is up to the ATM if it let 's me do it. I told her. That's not what the representative told me! She told me that at XXXX XXXX ATM would let me withdraw a XXXX dollars each transaction! So that was misleading information! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not only that I am getting charged ATM fees for each transaction! Something needs to be done about Navy Federal and their misleading practices! Now! I want all this to end now! Whatever fees I enquired or encurre from now on! I want back! And maybe the FTC needs to step in or another Federal entity. Because they are not just messing with veterans and their spouse and dependents, but XXXX XXXX military personnel and their families who are risking their lives all around the world 24 hours a day 7 days a week! Some don't see their wives or children for months or even years at a time, but the employees some of them at Navy Federal have the NERVE TO LAUGH! I know about XXXX XXXX. I was an XXXX XXXX United States XXXX at the age of XXXX XXXX XXXX. I went to XXXX, XXXX for a year at the age of XXXX! I went to XXXX XXXX at the age of XXXX! Left on XXXX XXXX 1990 and landed in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1990  to fight! And some of them want to laugh! Clean house at Navy Federal is what I say it's not the same like when I was in!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: TN
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:
Previously, I made an investigation about this account with incorrect information and after checking your responses, I recognized that the same account is still incorrect, with a confirmed status. Please correct the account listed below : XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/XXXX of 2023, I mailed a letter to XXXX, Experian, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an update credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).

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