BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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.

has violated my rights. Or 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 non-monetary relief
Consumer complaint received 2022-08-23
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
So I dont have many dates my account was in the red due to return checks from my cellphone provider I stayed in contact letting them know the commute to the bank is far for me with no car. XXXX working on getting funds to my account to fix issue. On XX/XX/XXXX I deposited enough to take out of red pay my credit card off and have money to keep in good standing the next day. My account was closed. I was told due to me trying to open another account I explained that I never did they accused me and said account will remain restricted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: NY
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:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXXXXXX and XXXX XXXX. Please delete these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/2022 I woke up this morning and checked my chime account and it was closed no emails no notice at all i called and they wouldn't even connect me. Now chime has my direct deposit from ssi am XXXX i have been chime member for over 8 years there's no reason to do this to me. 
Now am looking at Eviction and everything here shut off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX at XXXX XXXX  I was on a recorded call with experian representative. 
who told me that she was unable to temporarily lift my security freeze due to conflicting information on my consumer report. Once I told her that this was an inconvenience to me and what I needed to do. For reasons that have nothing to do with me I am unable to access my consumer report The vendors are unable to access my consumer report. This puts an involuntary freeze on my life. This is a federal crime on multiple levels and a federal lawsuit. 

Next internal information connected needed to be combined, this would take 3 to 5 business days. I explained to the rep. that 3 to 5 business days absolutely holds up progress in my life. She also stated that she put in a complaint as well. 

This also explains why the first rep hung up on me and why I have not been able to access my account online for months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: TRUIST FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had a Truist bank account for over 6 months. Every time I deposit a check via mobile deposit or any deposit they held my check at least 5 days. This last time they held it for 12 days claiming its in the hands of XXXX fraud department. And now my bank account is frozen. But no one is telling me why! I have called everyday because my customer who is expecting her bathroom remodeled is very upset. # 1. for having to go thru this. And # 2. Because she slipped and fell in her old shower I am supposed to have fixed by now but can not. SO if this goes to court it will be Truist that needs to explain finally to the court why they have discriminated against me from day one on every check. And why my customer had to fall in her shower due to they're neglect and discrimination against they're own business checking customers. And today after 3 days of being told I needed to call in and have my account unblocked today. I called in 5 times being on hold for 2 hours total. And still after talking to them all day. They tell me I have to wait for someone to call me that is refusing to call me. So I still sit here unresolved an no one will help me at Truist. I have suffered, my business has suffered again and again, my customers have suffered, and still no one can tell me why this is happening or when they will decide to call to resolve it! Either way it looks like I'm going to need an attorney to get a XXXX company to give me my business, life, and money back so I can take care of my customers properly. Completely unexeptable behavior!!!

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 2022-09-26
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX Auto Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I submitted the front of my id, a utility bill and my social security card to transunion credit reporting agency in my defensf of XXXX. I provided documentation to prove Ive received couseling from the givernmnet official agency about my situation. Transunion has not responded nor remove blocked and deleted the debts from my credit report. I provided all documentation as well as a self attestment validated by a court appointed rep. from the courts with the time stamp and dates on it. I am XXXX compliance with the final rule which establishes me as a victim of debt XXXX. Can you please block this information from my cra reprot immediately within 4 business days as stated in the fcra 605c. I have included all the items that were asked to be blocked and delete but nothing as happened and it has been well over 30 days. Ive included the certified mail to provve that this dispute was sent and received as well as ignored 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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Currently trying to buy a home and in doing so I've found multiple inaccurate accounts reporting to my credit report according to 15 U.S.C 1681 law there should not be any damages on my report this is a defamation to my character. This detrimental to me because it is holding me back from providing a better life for my children i have reached out to all credit bureaus numerous times and nothing has been solved from inaccurate reporting to hard inquiries that was not authorized. I have reached out to the company to ask for proof of collections or me authorizing any company no proof has been submitted

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 2023-09-11
Company: EQUIFAX, INC.
State: IA
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'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 2023-09-09
Company: EQUIFAX, INC.
State: CA
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:
A collection account listed under XXXX in the amount of {$310.00} is currently on credit report. I have no knowledge of such debt owed. My dispute is based on the fact that I have never received a legally required debt validation notice as required by the Fair Debt Collection Practices Act ( FDCPA ) Section 809, 15 U.S.C. 1692g. The FDCPA mandates that within five days of the initial communication with a consumer regarding a debt, a debt collector must send a written notice that includes : The amount of the debt. 
The name of the creditor to whom the debt is owed. 
A statement that the consumer has 30 days to dispute the debt 's validity in writing. 
A statement that, upon receiving a written dispute, the debt collector will obtain and provide verification of the debt. 
A statement that, if the consumer requests the name and address of the original creditor, the debt collector will provide that information upon request. 

I wish to inform you that I have not received such a debt validation notice via mail or electronically from the collection company or any other entity. As a consumer, I have the right to request and receive this information to verify the validity of the debt in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXX. XXXX, ( XXXX XXXX  XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-09-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act this creditor XXXX has violated my Rights, under Act 15 U.S.C. 1681 section 602 says I have the right to Privacy. 15. Act 15 U.S.C. 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: OH
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:
I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-09-26
Company: Flandreau Santee Sioux Tribe
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022, I received a call/voice message from number ( XXXX ) XXXX, from a woman named XXXX XXXX claiming to be with the Florida State Processing Department and informing me that they had been contacted by firm XXXX XXXX XXXX  who were seeking to file a collection claim against me via the XXXX XXXX XXXX XXXX I called the firm with the direct line and case number provided to me in the voice message and spoke to " XXXX '' ( didn't get his last name ). He sounded legit, stated that my debt was with Rushmore, and gave me account number XXXX. I agreed to a {$500.00} settlement and paid a {$200.00} installment on it on XX/XX/XXXX, with the remaining {$300.00} to come out this Friday XX/XX/XXXX from my debit card. After the fact, I realized that I had already paid two settlements on Rushmore, one  with XXXX XXXX XXXX XXXX on XX/XX/2022 for {$240.00} and another on XX/XX/XXXX with a company named XXXX for {$350.00}. Both of these, I found out, involved the same account number XXXX, while this one with XXXX and XXXX has a different one. In addition to that, I looked up reviews about the website and its direct XXXX XXXX XXXX XXXX XXXX line and have found that many have deemed it as a scam. I think I have partially fallen for this and want to report it. 

The info for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, United States Toll XXXX XXXX XXXX Email : XXXX My Account Number as provided by XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: NJ
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 submitted a letter to the XXXX Credit Bureaus to update this suspicious information. They have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Transunion has failed to do improper investigation on my consumer report as a consumer I have the rights to privacy on my consumer report. Transunion fails to report accurate information on my consumer report. Account XXXX XXXX management is being reported as an open auto loan for the past few months which is false information on my consumer report I have sent documents to transunion which they have failed to honer. My rights has been violated under the FRCA. I talked to a supervisor he told me he doesnt knows the congress law or isnt a law expert. I dont feel my information is safe with Transunion and this has made it hard to apply for houses and affordable living. I have attached documents. Transunion Reports them as open auto loan, and XXXX XXXX XXXX adds interest and report late payments, but sends me mail stating there a debt collector this is a attempt to collect a debt, which is another fine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29
Company: EQUIFAX, INC.
State: GA
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:
Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX  ) XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX  XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$250.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00}

Company response to consumer: Closed with explanation