BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-23
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX # XXXX, DPT EDXXXX XXXX XXXX XXXX DPT EDXXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, SXXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX 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 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 2022-09-29
Company: National Credit Systems,Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
National credit systems is reporting inaccurately. This account is labeled as a collection and it is reporting a past due amount. That is illegal. There is a balance listed higher than the actual amount. The amount is {$1500.00} but is showing a past due amount of {$1500.00}. This is also illegal. The date of last reported, last activity, & date it opened is also inconsistently reported across all three bureaus. This is also a violation. This account keeps increasing and decreasing the amount on this collection. No payments have been made towards this account so it should not not be increasing and decreasing the amount. This is illegal. I have disputed this account several times with no results. All three credit bureaus have failed to provide a method of verification letter. They have only verified and updated this account every time with no proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

TransUnion Names : XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX, NC XXXX Collecons : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Employer : XXXX XXXX Inquiry : XXXX XX/XX/2020 XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Experian Employers : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 

Addresses : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX NC XXXX Collecons : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
Company: EQUIFAX, INC.
State: IN
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:
its says I have a credit card witch is not mine and I do not have it is from XXXX  XXXX says the balance is XXXX and the credit limit is only XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, IL XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : - XXXX  XXXX Balance : - XXXX  XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$490.00} XXXXXXXX XXXX Balance : {$0.00} XXXX & XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX {$1000.00} XXXX XXXX XXXX Reference # : XXXX XXXX XXXX XXXX XXXXXXXX Reference # : XXXX XXXX XXXX XXXX Reference # : 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 2022-09-29
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : Account : XXXXXXXX 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 2022-09-29
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
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. This creditor has violated my rights. Under 15usc 1681 section 602 state I have the right to privacy 15usc1681 section 604a section2 it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan as LATE for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Around XX/XX/XXXX XXXX reported during the period of student loan payment suspension to the credit bureau a balance increase of my loan and my loan was 90 DAYS past due. XXXX never sent any documentation or notified me in writing that my bill was past due. I never received anything in writing with a date that my payments would resume and I did not agree to start making payments during this time. This has caused my Credit Score to XXXX XXXX points and damaged my perfect payment history overall on my 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 2022-10-24
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
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 opened an account in the 1990 's with XXXX Bank. XXXX bank was sold to XXXX Bank. I had several accounts with them. While going through a marriage separation, we were trying to limit the deposits and separate expenses in this joint account. There was NO overdraft protection. TD charged my account for overdraft fees. I immediately contacted them and they admitted this was an error and reversed the charges. This happened again for the next few months. Each time I called and they reversed it. They told me they put a note in my file to not apply overdraft but it could take several months. Each month, I continued to call and they reversed it. Then they reported all these errors as " late fees '' on a {$1000.00} line of credit I never had. I went to the branch and they apologized. Customer service assured me this would be reversed. It stayed on my credit report. XXXX late payments showed on my credit report and basically destroyed my financial life. I was denied mortgages and more. I hired a XXXX XXXX XXXX & they were told this would be reversed. XXXX years later it is STILL on my credit report. XXXX Bank takes no responsibility. XXXX has also helped me dispute it but TD refuses to remove it even though I have proof this was their error and they credited the fees. XXXX told me to file a complaint with the CFPB. Your assistance in removing this from my credit report ASAP would be greatly appreciated. It shows as a {$1000.00} line of credit and I've spent thousands of dollars and over XXXX years of time trying to reverse this error. No one would XXXX late payments on a {$1000.00} LOC. This was never authorized to be on my account. Again, your assistance would be welcomed. This truly ruined my financial life. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
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:
15 U.S.C 1681 Section 602 A states the right to privacy.

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. 




Account # XXXX Account # XXXX Account # XXXX Account # 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 2022-12-13
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Seedfi switched all account with Zero notice to a new loan service where customers can not view any of their original loan documents and are not given a website and I correct contact information for the company. 

on top of this Seedfi transfered bank account information without consent to these companies and stated they were authorized to withdraw from your bank accounts without authorization from the customer. Seedfi gave away all personal information of their customer to another company with zero notification prior to their customers. This company has my email, full bank account and routing as well as additonal personal information. 

in additon you can view the full structure of the original loan on the new loan company website. All of this was sent out the day access was cut off by seedfi. Customers were given NO prior warning

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
As the federal government agency charged with implementing and administering the federal consumer financial laws, the CFPB is committed to ensuring that companies follow the law. For that reason, the CFPB and the Federal Trade Commission ( FTC ), which together with the CFPB helps enforce fair credit reporting laws However, the FCRA requires procedures to assure accuracy, and the fact that a CRA obtains information from another source simply does not mean that the information is free from error These CRA 's are erroneously reporting inaccurate information on my consumer file and requesting me to provide them with personal information pertaining to my person, however, are allowing 3rd party furnished to provide them with personal information to be included in my consumer report, this constitutes fraud and defamation of character. 


The FCRA regulates consumer reporting agencies ( CRAs ), which includes any entity that, in exchange for monetary fees, regularly engages ... in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties. XXXX XXXX. XXXX ( f ). 

I have attached my DL for identification A credit reporting agencys reliance on a reputable furnisher may be evidence that the credit reporting agency followed reasonable procedures. However, contrary to the district courts holding, reliance on a furnisher does not categorically insulate a credit reporting agency from reasonable procedures liability under section XXXX ( b ). 

If a CRA willfully fails to comply with any requirement of the FCRA, it XXXX be held liable by a private plaintiff for actual damages of not less than {$100.00} and not more than {$1000.00} per consumer. Id. XXXX ( a ), ( XXXX ) ( A ). If a CRA negligently violates a provision of the FCRA, it may be held liable for the actual damages arising from the violation. Id. 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 2022-11-30
Company: EQUIFAX, 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: 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 XXXX 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 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 2022-10-24
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I used online bill pay to have Chase send a check to a vendor ( XXXX XXXX XXXX ) in the amount of {$1400.00}. XXXX XXXX is the bank which accepted the check without an endorsement. XXXX XXXX is not the vendor 's bank, and they are not my bank. I was not aware the check had not been received by the vendor, as the funds were immediately debited from my account. A few months later, the vendor contacted me asking me for payment. I looked for proof of payment, and saw that there was no endorsement on the back of the check that was cashed. Apparently someone intercepted the check, and was able to cash it without having to sign the back or provide any identification. 

Chase opened a claim, and then the closed it because " we opened it under the wrong department ''. I was told on the phone by a manager to not worry about sending an affidavit because we were speaking on the phone and she had recorded all the information. The credited my account, but then they took the credit back out and closed the claim. They then informed me that I DID need to provide an affidavit, which I then did, and mailed it to them. It was received on XXXX, XXXX. 

Chase is now telling me that the 90 days did not start until they received the affidavit in the mail. The vendor has now been waiting for over 4 months for payment, and will not come to my house to service my elevator again. Unfortunately, they are the only company who can service it, and it is not working. After hours and hours of phone calls, I am at a standstill. Chase has on multiple occasions started to work the claim, and then canceled it because it was either incorrectly filed, or duplicately filed. I have been passed around from department to department, and the clock keeps restarting on this very simple matter. They should not have released funds when there was no endorsement. 

You can speak to the " Designated placeholder ''. XXXX, option XXXX, reference : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: EQUIFAX, INC.
State: MS
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:
Equifax claims to have resolved my dispute and sent my results via mail. However that is false. Equifax never investigated this matter or resolved the issue. Please see attached what exactly is was that Equifax mailed. They did not send any results on a letter claiming to not be able to verify my identity per the re-investigation that was suppose to see place. Also see the date that they sent it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Self Financial Inc.
State: KY
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:
Incorrect info is being reported by the company. There are different days being reported to each credit bureau for the date that the account was originally opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Celsius US Holding LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Celsius has approximately XXXX of my assets, split between bitcoin, ethereum, and usdc, deposited over the course of the last 2 years. The company has claimed that withdrawals were available at any time, and they recently declared bankruptcy and my funds are now locked. 

I wrote a letter to the judge of the bankruptcy case as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter in the mail stating " We have received your request for a credit product with LOWE 'S issued by Synchrony Bank. Unfortunately, we are unable to approve your request at this time. '' I never applied for this so my identity was stolen. I do not want this to adversely affect my credit or any other financial matters. I would like information as far as steps to take protecting my identity. Thank you for your 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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 on XX/XX/22 to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again.,

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 2022-09-29
Company: EQUIFAX, INC.
State: MA
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:
All this accounts was never late, please update inaccurate information and this is greatly affecting me and my personal life. I request that you update the following information. 

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation