BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-14
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:
Hello, I have began going through the journey of identity theft with all 3 credit bureau 's. I have provided police reports, affidavits, statements all notarized and they have continuously reported inaccuracies on my report. There is a XXXX XXXX XXXX that appeared on my credit report around XX/XX/2020. I reached out to the credit bureaus and filed an FTC report that still wasn't good enough. I have been reviewing my credit reports regularly. I have found several errors in the following account ; XXXX XXXX XXXX  Account Number : XXXX. I have disputed this account previously and every time I dispute with all 3 credit bureau 's and they continuously report negative information about me which is inaccurate, unverifiable, invalid and questionable that the credit bureaus didn't make sure the information was 100 % accurate. Which violates 15 U.S. Code 1681e ( b ) Accuracy of Report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the consumer to whom the credit report relates. Currently, of which all three credit bureaus are reporting three different reporting dates and the last active dates. As you are aware there can only be one reporting date and the last active date. If in fact this was a repo or a charged-off account. How can there be a recent default in the payment if this account was reported as a repo in XX/XX/2020 but the payment history reflects no history on XXXX, XXXX shows charge-off began XX/XX/2020 and Equifax shows XX/XX/2020? None of these are consistent. This tells me that these accounts have not been properly verified or the credit bureaus have been lying about verifying these accounts and they must be deleted immediately. These inaccuracies from the credit agencies are clearly in violation of the FCRA Under 15 U.S. Code 1681e ( b ) Accuracy of Report. If any information or items disputed by a consumer ( me ), 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 immediately. The credit reports prove that this information is inaccurate and incomplete. Please remove these items from my reports. Once complete please provide me with a copy of verifiable proof within 15 days after your investigation, you must remove the account and all listed information immediately. Thanks for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
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:
In mid XXXX 2017, I filed a written dispute with XXXX, Equifax, and XXXX to delete unverified information from my credit report. I requested that they provide an original document with my signature on it from the debt collectors verifying the debt belonged to me. I 've since received notice that my investigation was closed with all account verified, but did n't get any proof from the debt collectors or credit bureaus with the original signed document. My primary concern it that these bureaus have incorrect information on my file, and this is prohibiting me from being able to acquire credit for life necessities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Flandreau Santee Sioux Tribe
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XX/XX/2019 I obtained a {$1500.00} loan from FSST Financial Services DBA : Rushmore Financial XXXX XXXX XXXX XXXX South Dakota XXXX. California Assembly Bill passed XX/XX/2019 put a cap on loans at 36 %. Rushmore is charging over 1026 %. I've paid back {$2500.00} to date and according to their paperwork monthly payments at this rate would I would pay over {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I have contacted each bureau by certified mail and they have not corrected the unverified accounts. Here there are : XXXX XXXX XXXX : XXXX, 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 explanation
Consumer complaint received 2021-04-07
Company: EQUIFAX, INC.
State: GA
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 mailed letters to all XXXX credit reporting agencies ( XXXX, Equifax, and XXXX ) on XX/XX/2021 and have yet received any correspondence regarding the status of investigation and/or results of my disputes. It has been 35 days and I still have no correspondence. 

I also mailed XXXX, Equifax, and XXXX  a second follow up letter demanding a reesponse since it was after 30 Days on XXXX XXXX and still have not had any correspondence. 

This is a violation of my rights under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I CREATED A SUCURED PROMISSORY NOTE LOAN SOMEONE MONEY OF {$60000.00}. So XX/XX/2022 XXXX was when it was sent to USSA FEDERAL SAVING to be monetize to credit to the borrowers account. Which I was informed by a manager they do. So, yesterday I get a ding on my credit account/XXXX XX/XX/XXXX for a Hard Credit inquiry by 2 banks of a down payment for {$60000.00} and the home costing XXXX. So I called the bank and they informed me that have it but it will take another day. So I called this morning XX/XX/XXXX and asked about it. They told me they had lost the copy but on have the cover letter. So, I do have proof of my promissory note be maximized and the name of the two banks the tried to hide it through.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # 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, 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 2017-06-09
Company: Security Credit Services, LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Upon a credit check review for a mortgage qualification I was made aware of a collection account for Security Credit Services in the amount of {$1100.00}. I contacted Security Credit Services to get more information and was transferred to   XXXX   XXXX   XXXX   XXXX  . The little information I was able to find out is the following : On XX/XX/XXXX  someone opened a  XXXX  account under one of my old names.   XXXX   transferred the account to   XXXX   XXXX    who sold it to Security Credit Services which hired   XXXX   XXXX   XXXX   XXXX  . I told both   XXXX   XXXX   XXXX   & Security Credit Services that I never purchased or did business with   XXXX    and that the name used to open the account in   XXXX   has n't been my legal name since  XXXX . I have asked both companies to provide me account documentation and to date nothing has been received. Also called  XXXX  and they showed no record of an account. I have filed an Identity Theft report with the FTC and a Police Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
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 XXXX XXXX XXXX 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 2017-06-05
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
I received an offer in the mail for a platinum  card from Amex. I held a basic credit card with them and thinking because of my good record with that  card they were offering me this platinum card. I applied and was accepted and a card sent to me in the post. Only after using the card and receiving their bills did I query why they were charging me the full amount of cash used rather than a portion, how other card operated. They then advised me that oh no this card is a pay all card whatever you use you pay off at next billing cycle. They the advised the it 's in the " small print '' so this is not a credit card after all. At this time I had already committed to purchase a bicycle from   XXXX   XXXX  . A deposit was paid and could not be reversed. This card is a dangerous card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
While under the impression of working for a company I was instructed to deposit a check of {$1800.00} and use some of the money, {$1700.00} to pay an advertising company as part of the training. On XX/XX/2022 I deposited a check at Bank of America and I withdrew the {$1700.00} on XX/XX/2022 after the funds had become available. The {$1700.00} was transmitted to the advertising agency per XXXX ATM. On XX/XX/2022 I was informed by the Bank that a sum of {$1800.00} was put on hold and on XX/XX/2022 that same sum was declined, the bank saying the initial check was fraudulent. 

My complaint is this, why would the funds become available for me to use if the check was not valid? It is not a safe or correct business practice to allow one to have access to funds and then take them back, this implies that the bank allows fraudulent checks to be deposited and in such scenarios it only hurts the customer. Instead of verifying the check and making the funds unavailable until the check cleared I was under the assumption that the check was valid and good since the bank informed me I could use the money once the funds became available. When I asked the manager of my local Bank of America they informed me that it usually takes 4-5 business days until a check clears, this is not a notification I have received before when depositing a check before, and if this is indeed the case why is the customer not notified? In the past I was only notified once my funds became available, not that the checks were clear or not. 

Now I have a bank account in the negative, since the bank has decided to take {$1800.00} from my account even though they had given me access to before verifying the check. Had the funds from the check been held until the check cleared that would not have been an issue. I do not believe that the customer should suffer the difference from such a situation, it should be the responsibility of the bank to make up the lost money if they give access to it before the verification. This transaction system does not provide a strong security to the consumer and it leaves it open to fraud cases such as this. It leaves the consumer open to fraud and in addition they make the customer pay. 

In this case the bank 's system failed to protect it's assets and mine by not verifying the check and the bank then transferred the responsibility and price of the mistake onto the customer.

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 2017-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have sent 2 multiple inquiry letters to Transunion within these 60 days. I also had a fraud alert placed on my credit file on XXXX XXXX, 2017 that indicates anyone who runs my credit needs to call me verify my personal information and that was n't done and that violates my rights as a consumer. I explained to multiple CSR that their are multiples of certain places of inquiries that definitely indicate fraudulent activity but they do n't care. I reached out to the Transunion on more than one occasion to advise of my credit being pulled without my permission. They keep telling me there 's nothing they can do and inquiries are factual and no real foot work has been done to help me the consumer resolve 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 non-monetary relief
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: NJ
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 Contacted Equifax XX/XX/22 at XXXX the called lasted approximately 1 hour and 11 minutes. 

During the call I explained that my rights as a consumer were being broken and Equifax was not upholding FCRA Laws as our conversation went out stated that you are correct the amount is not they have not given us any information you need to provide us with that information when in fact the law states. My consumer file is being irresponsibly tampered with over the past 2 years, I have made multiple attempts to remedy this issue as a duty pursuant 15 USC 1681. you are intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I made this call as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A.5 ) says that after the reinvestigations ... all the unverified information must promptly be removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus i know that it can not be verified or validated. 

Which lead me to writing this complaint in attempts to rectify this inaccurate reporting information so i can be able to go upon my life. If not I will seek LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, the day after my debit card was stolen, I had initiated a claim with bank of america for an ATM transaction that was not done by me. That entire day I was in XXXX California and spent the night there. I had been out during the day, in XXXX, when my debit card went missing. That debit card had not yet been used or even activated. After it went missing, I had found out that someone had activated the card and used it for an ATM transaction somewhere nearly 30-40 miles away in the middle of the night. I was nowhere near where that happened and even have XXXX receipts from the day and other transactions that occurred during the day that prove that I was not anywhere near where the ATM transaction occurred. I reported this transaction to bank of america and they are now denying my claim. I did not make this transaction nor did I authorized anybody else to make this transaction. My ID and PIN were stolen along with the debit card because they were all in my wallet which was lost/stolen during this day.

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 monetary relief
Consumer complaint received 2017-06-09
Company: MARINER FINANCE, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Mariner finance in  XXXX ,  XXXX  sent me a check for {$1200.00} in  XXXX     2017 even I did not applied for any loan. Any how I used the money. I got sick and admitted to the hospital for two months, and lost my job. My friends told me to consolidate bills as I am not in a situation to pay off my bills.I informed all the institutions about my intention.Every body stopped calling me except Mariner finance, and now they are threatening me to file a law suit against me. I even sent the letter to the branch manager and to the regional manager that I am in contact of debt consolidation but they neglected my letters and shared  my personal information and details of my loan to all of my family members.It hurts me a lit and give me a mental tension.I request to the agency to shut down their office as they are violating the consumer protection act. I have all the witnesses and letters with me I sent them. I also request you to stop them by harassing me through phone calls.

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 2017-06-09
Company: EQUIFAX, INC.
State: NJ
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: Problem getting your free annual credit report

Complaint:
Fo r five con secutive years, I 've been unsuccessful in obtaining the free annual credit report from Equifax. For the other  XXXX  bureaus,  XXXX  and  XXXX , it 's been fine every year. But for some reason, I always fail Equifax 's screening questions. As a result, I 'm forced to use the inconvenient physical mail option to request their free credit report. When this first ha ppened five ye ars ago, I thought it was a coincidence. But now aft er five f ailed attempts, I 'm starting to wonder if it 's more than just a coincidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Delete Collections from XXXX  XXXX from XX/XX/2020. Your company is in clear violation of the law under 15 U.S. Code 1602 p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

15 USC 1692b Not state that such consumer owes any debt ; XXXX A debt collector seeking location information must identify themselves by name, but must not identify his employer unless asked. When asked, however, the collector must give the true and full name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another partys ability to identify him ( e.g., the true identity can be ascertained by the employer ), and the collection laws of his or her state allow the same. 
15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
Best Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation