BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've mailed multiple dispute letters regarding an account on my consumer report for XXXX XXXX XXXX XXXX  since XX/XX/XXXX. Reporting agency Transunions has removed this item for a month and never sent re insertion of the account being re-added to my credit report. Also repeatedly mentioned to them my account online not being updated for my current disputes. They've failed to respond to me as well. Mailed in a certified letter re verifying information that was verified months ago in XXXX of XXXX and yet still have not received no reply, for its been over 30 days. There are multiple open account temps that I am unaware of and repeatable reached out to Transunion regarding these Inquires. XXXX XXXX date XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX and aware of all my rights under the Fair Reporting Credit Act ( FCRA ). These accounts are in violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These multiple inquires were not done by me, under 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. My first claim was on XXXX, claim number XXXX, where I was told through you guys you couldn't verify my identity. I've mailed in my proper documets and have also attached a copy of you guys response

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 2023-09-24
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XX/XX/XXXX I signed up for a chime debit card using my friends link. so we'd both receive a {$100.00} incentive. It requires the referee to receive a direct deposit of min. {$200.00} within 45 days. I signed up and waited. Finally I received the following email : " Use the correct details in this email when setting up direct deposit -- - '' Hi XXXX, Letters with incorrect direct deposit setup details have been sent to Chime members who ordered a Chime card between XX/XX/XXXX and XX/XX/XXXX. The correct information is as follows : '' If youve unsuccessfully attempted to set up direct deposit using the prior information, please try again with the new information provided above. 

Your Chime card and Chime app display your correct bank details. Your account number remains the same. 

If you have any other questions, were here! Call our support team at XXXX ( XXXX ) XXXX or tap the chat icon in the Chime app anytime. 

Sincerely, The Chime Team '' -- - Using the incorrect routing # sent to me by Chime caused a delay of my direct deposit going through thus, disqualifying us for the $ XXXXi incentive. I have sent numerous emails and called and spoke to agents who promised to help me several times, yet no resolution. I expect Chime to honor their offer and pay us our {$100.00} we've met all requirements on our end. I shouldn't be penalized for Chimes mistake. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-17
Company: SANTANDER HOLDINGS USA, INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
SANTANDER IS IN VIOLATION OF THE COMPTROLLER 'S INSTALLMENT LOAN POLICY : On XX/XX/XXXX, Santander Auto CHARGED OFF my auto loan for the XXXX XXXX XXXX that I had with them. 

In XX/XX/XXXX, after months of waiting for my insurance to settle 2 accident claims the vehicle was considered totaled and payment from the insurance company and gap company sent the payments for their portion of the vehicle loan. 

In XXXX, Santander REBOOKED this SAME previously CHARGED OFF loan, began applying interest, fees, and negative reporting to my credit report again. 

IN ACCORDANCE WITH GAAP STANDARDS AND THE FDIC : Re-Booking Charged-Off Loans " When available information confirms that a specific loan or lease, or a portion thereof, is uncollectible, a bank should promptly charge this amount off against the allowance for loan and lease losses. When making a full or partial direct write-down of a loan or lease for the amount that is uncollectible, the bank establishes a new cost basis for the asset. As the bank attempts to recover the loan or lease in a period subsequent to the recording of the direct write-down, the bank may determine that the borrower 's condition has significantly improved or it may obtain additional collateral from the borrower. In some cases when this has occurred, a bank has attempted to reverse the previous write-down and " re-book '' the charged-off loan or lease. Re-booking a charged-off loan is not an acceptable practice under generally accepted accounting principles and, therefore, is not acceptable for Call Report purposes. Consequently, once a new cost basis has been established for a loan or lease through a direct write-down, this cost basis must not be " written up '' at a later date. '' IN ADDITION TO THIS DETAIL : " Pursuant to the Uniform Retail Classification and Account Management Policy guidelines, banks are generally required to charge off certain consumer debt when the debt is 180 days past due. '' FINALLY, AS STATED IN THE COMPTROLLER 'S CREDIT RISK HANDBOOK, ON PAGE XXXX : " Under GAAP, when a bank charges off a loan or lease in part or full, the bank establishes a new cost basis. Once the loans cost basis has been decreased, it can not be increased later. '' Santander charged off my account on XX/XX/XXXX, therefore, they were not supposed to re-open or " re-book '' the loan 4 months later. 

I have never paid on my Santander Loan, nor did Santander ever receive any indication that my condition improved period, let alone significantly improved. In fact, it had diminished, as I was no longer employed. 

SANTANDER IS NOT COMPLYING with the federal standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: PA
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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions 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:
XXXX Account # XXXX is a charge off account that is reporting inaccurate on my credit report all three Bureau are reporting different information different balance owe, different closed, different payments history if this is the same account why is the information different from my understanding its the Bureau job to report accurate information

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 2023-06-13
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: NM
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from 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 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 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 2023-09-12
Company: Experian Information Solutions Inc.
State: MA
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 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 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 2023-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Capital One decided to close my checking account in XXXX, but I still have not received the funds in the account, nor any updates, and they have locked my phone number from using XXXX on another bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: TX
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:
There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$0.00} XXXX XXXX Collection {$0.00} XXXX  XXXX Collection {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX Repossessions {$3900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: NC
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 have attempted for SEVERAL months for Equifax to correct the reporting of an inaccurate collection on my report. They have only sent me information stating the collection was verified and when I requested validation from both the collection agency and Equifax I have been ignored ( FCRA violatiion ) and information updated. 
They are reporting the collection as an open account ; which isn't under FCRA compliance. This is inaccurate reporting and needs to be removed from my account immediately. 
This account is also in violation of the No Surprises Act. Also ; effective XXXX XXXX XXXX are not be be a part of a consumers credit report. 
The collection is as follows : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: CREDIT ACCEPTANCE CORPORATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I purchased a vehicle from XXXX XXXX XXXX XXXX through Credit Acceptance corporation last XXXX, XXXX. On XX/XX/XXXX the car stopped working while I was in it. A mechanic diagnosed the car with having an illegal gps starter disabling device on it and this was the cause of it not working. I contacted both parties the dealership and the finance company, XXXX XXXX  and Credit acceptance. XXXX XXXXXXXX told me that they dont use gps trackers and I should contact Credit acceptance. Credit Acceptance told me that they dont use gps trackers either and I should contact the dealership. When shown pictures of the gps device the dealership said they didnt put it there. I told them if they didnt they shouldve removed it before selling me the car. They said they werent responsible for removing it. Credit acceptance hasnt responded to me in over a week. Only saying they dont use gps devices anymore. Every time I call they say my case is being reviewed and someone will be in touch. I feel there is some shady dealings happening and they are both working hand in hand with each other.

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 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX # XXXX, has violated my rights XXXX 
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 2023-01-25
Company: Experian Information Solutions Inc.
State: OH
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights XXXX 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX I was served at home by a process server at my home here in XXXX, FL. The company that is trying to sue me is Resurgent- LVNV Funding LLC they were hired by XXXX XXXX Credit Card . 
That same day I went on XXXX XXXX and XXXX XXXX XXXX XXXX and retrieved the copy of my credit report from all XXXX bureaus. 
In the report on all XXXX bureaus I was alarmed to see the creditor LVNV is shown on my credit report XXXX times for the following amounts. 
{$1400.00}, {$720.00}, {$380.00}, {$1200.00}. 
On XX/XX/XXXX I sent the company a letter of debt validation. 
On XX/XX/XXXX I received a letter back only validating {$720.00} however the amount was not correct as well as the tenure I had on the credit card with them .This debt collector had counsel and there attorney is the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , FL XXXX. 
That was there attorney and it was on the court docket but when I sent them the letter they responded directly to me not with there counsel. Today I had court and they advised me they violated under FCBA because they were suppose to go through the attorney and not them directly when the letter was sent back. I would like to report this company for mis information, wrong amounts owed and accounts that I haver no knowledge of. I need it deleted from my credit report.

Company response to consumer: Closed with non-monetary relief