BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance to 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. 

I told XXXX, TransUnion, and XXXX to reinvestigate these accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX However, they stated everything was complete and accurate. But, how's that possible If the date of last activity and much more is incorrect. 
According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

15 USC 1681 section 602 A. States that I have the right to privacy. 15 USC 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) 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 dates back more than 7 years.

15 USC 1681s2 ( 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.

Also, they aren't even in compliance metro 2 credit reporting. I have evidence to prove my case.

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 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM 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

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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The 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 need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/2022 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 2023-08-10
Company: REGIONS FINANCIAL CORPORATION
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
About a week and a half ago I called Regions Bank to close my account as I no longer live near a branch. The first representative told me I could only close an account in person and when I told her that wasnt possible she hung up on me. I called back and the second representative told me I could close the account by phone once the balance was under {$1000.00}. I then went through their verification for my other XXXX XXXX  account so I could make a direct transfer of the remaining funds. Once the other bank was verified I proceeded to try and withdraw the money. They blocked the withdrawal. So I called a THIRD time and they told me that they couldnt remove the block without me going to a branch. I explained AGAIN that I lived almost XXXX miles from the closest branch and wasnt making an XXXX roundtrip journey. I asked to talk to a supervisor. The representative first told I couldn't speak to anyone else. I kept insisting, so she tried EIGHT times to put me through to someone who could help me. After 45 minutes on the phone we both gave up. About 2 hours later they then RESCINDED my verification I had already completed, then blocked all online access to my account. I couldn't even check my balance or transactions. I called for a FOURTH time, this time to remove the block on my online account and they told me they couldnt give me access without going to a branch, because they couldnt verify my identity. This was after they had taken me through two levels of security questions, the second including the street I lived on almost 25 years ago and the age range of my ex-husband. I was left with no other option but to withdraw the money from the ATM, costing me {$5.00} for each withdrawal for a total of {$35.00} in fees, when I could have made a direct transfer for only {$3.00}. They have FINALLY closed my account after two more calls, bringing me to 6 CALLS and 7 trips to the ATM in order to close my account, all of this to withdraw less than {$2000.00}. Insane.

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 2023-10-29
Company: OneMain Finance Corporation
State: NY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a loan at one main financial got approved for a loan. When I went in to sign the agent never disclosed the extra added fees of add ons thst were optional they were all ready included with my loan. After going home and taking a closer look I saw they were optional so I called a couple days later asked withdraw from extras and get refund and new paperwork of loan without extras and was told one was not needed and there was no refund thst mo ey is disbursed back to bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear CFPB, I am absolutely furious to write this complaint against the disgraceful behavior of Wells Fargo in handling a dispute that has dragged on for over 90 days without any resolution, even after the merchant reversed the transaction and callously refused to refund the consumer. 

Dispute Number : XXXX Date Posted : XX/XX/2023 Merchant Name : XXXX Amount of Transaction : XXXX Card Number : XXXX My evidence unequivocally proves that Wells Fargo received the reversal from the merchant, yet they have shamelessly withheld the refund from the consumer within the 90-day period. This strongly suggests that either the bank is shockingly inefficient or, worse yet, is deliberately involved in a corrupt scheme to defraud its customers. 

I am lodging this complaint with the fervent hope that the authorities will take swift and severe action to hold Wells Fargo accountable for their corrupt actions. 

Yours infuriated, 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 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This letter is about the following accounts : COLLECTION : # XXXX, which you claim, I owe {$240.00} or my account was charged off {$240.00} ]. 

XXXX/XXXX  # XXXX, which you claim, I owe {$0.00} or my account was charged off {$0.00} ] XXXX  XXXX  # XXXX, which you claim, I owe {$480.00} or my account was charged off {$480.00}. 

XXXX XXXX # XXXX, {$1100.00} or my account was charged off {$1100.00} XXXX  # XXXX {$2600.00} or my account was charged off {$2600.00}. 

This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

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 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to I provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, 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 The following inquiries are unauthorized : I have improper names and address that also need removal and phone numbers : 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 2023-11-16
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Collection Services sent a {$260.00} to the credit bureau on XXXX XXXX XXXX 

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 therefor needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract with the credit collection or other instrument bearing my signature. 

Failing that, the item must be deleted from he report as soon as possible as I am liable for the debt with XXXX XXXX XXXX I do not have a contract with credit collection services inc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company 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 2023-06-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
As reporting on my credit reports showing both dates on XX/XX/2021 from two companies : XXXX XXXX XXXX XXXX XXXX are both unauthorized & did not receive consent from me. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt. It has been more than 30 days & I am a victim of identity theft. Please delete these items immediately.

These accounts should not be furnished on my consumer report as they are in violation. Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal deletion of the consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: ZWICKER & ASSOCIATES
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The firm XXXX XXXX XXXX XXXX, in regards to XXXX XXXX is pretending to be a law firm, in a attempt to collect a debt that is not a debt from XXXX XXXX, I still have a account with XXXX XXXX where I can pay on the bill, so my complaint is with XXXX XXXX ( XXXX XXXX XXXX XXXX ) and Zwicker and Asso., for falsely claiming to be a law firm and collecting on a debt that is not a debt I'm still paying on it it's just a closed account that is still a apart of XXXX Zwicker and Association , XXXX XXXX XXXX, XXXX XXXX XXXX, claiming to be XXXX XXXX XXXX , They also called XXXX XXXX XXXX  claiming this also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I requested a credit increase on my Chase credit card. I thought they were going to pull a soft inquiry. I was never told me that they were going to pull a hard inquiry. I want the hard inquiry removed or converted into a soft inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  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 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 2023-09-28
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am writing to formally file a complaint against Midland Credit Management Inc. regarding a collections account that has recently appeared on my credit report. I have serious concerns about the validity of this account, the handling of my consumer rights, and the impact on my creditworthiness. 

The specifics of the collections account and the associated violations are as follows : Creditor : Midland Credit Management Inc. Account Opening Date : XX/XX/2023 Account Update Date : XX/XX/2023 Account Appearance on Credit Report : XX/XX/2023 Lack of Contact ( FDCPA 809 ( a ) ) : Despite the account being opened on XX/XX/2023, I received no communication from Midland Credit Management Inc. within five days of this initial action, as required by FDCPA Section 809 ( a ). This constitutes a violation of my rights and has negatively affected my ability to validate or dispute the debt. 

Status : No contact received within the required timeframe. Potential Statutory Damages : Up to {$1000.00}. 

Lack of Knowledge ( FDCPA 809 ( b ) ) : The absence of any prior communication and the account 's sudden appearance on my credit report on XX/XX/2023 have left me with no knowledge of this debt. I was not provided with the opportunity to validate or dispute the debt, as mandated by FDCPA Section 809 ( b ). This violates my rights as a consumer and hinders my ability to assess the accuracy and legitimacy of the debt. 

Status : Debt is unrecognized and unverified. Potential Statutory Damages : Up to {$1000.00}. 

Request for Validation ( FDCPA 809 ( b ) ) : I formally request Midland Credit Management Inc. to promptly validate the debt, given the discrepancies in reporting dates and the absence of prior communication. As per FDCPA Section 809 ( b ), I am entitled to validation, including documentation that substantiates the debt 's existence, the " original contract signed by XXXX ; XXXX XXXX XXXX, doing business as XXXX XXXX XXXX XXXX original creditor 's identity, and other relevant information. 

Status : Formal request for validation submitted to Midland Credit Management Inc. Potential Statutory Damages : Up to {$1000.00}. 

Violation of Credit Reporting Timelines : The account 's appearance on my credit report on XX/XX/2023, without prior notice or validation, has negatively impacted my creditworthiness and violated the Fair Credit Reporting Act 's ( FCRA ) requirement for accuracy in credit reporting ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ). 

Status : Collections account appeared on credit report without prior notice or validation. Potential Statutory Damages : Potentially subject to FCRA remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I initiated a bank to bank transfer from XXXX to Wells Fargo on XX/XX/XXXX. The money was debited on XX/XX/XXXX and XX/XX/XXXX, it still did not reflect. I called Wells Fargo and they told me that I can cancel. I cancelled and then called to XXXX to ask about timeline for returned funds. XXXX representative on XX/XX/XXXX told me that he sees that it was cancelled and it will take 1-5 business days to be returned. 

Today ( XX/XX/XXXX ) I called XXXX and they said they don't have any funds. Wells Fargo said they don't have any funds. {$6000.00} is missing from my account ( stolen practically ) and I was told to file some paperwork to dispute it by fax or mail. 

This is basically fraud committed by banks to steal someone's hard earned money.

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