BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: AZ
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 with the Fair Credit Reporting Act. Everything has to be 100 % accurate on my report. 

The credit bureaus stated my account was properly investigated. However, how is that possible if last date reported, account number, payment history is invalid or incomplete in all XXXX credit bureaus. When it should be 100 % accurate. 

This is a continuous violation of my rights under 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 reporting consumer agency can not furnish a account without my written instructions. 

I demand to delete accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( as they are different account numbers on each bureau ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize any of these accounts, therefore. Please update everything 100 % accurate or delete them immediately. As they are causing me outrages interest rates. ( Example paying {$340.00} on a {$6500.00} car loan. ) This is my last letter in regards to correct this errors. I understand I have the right of up to {$1000.00}. For every violation on my credit report and will proceed as follows. 

Thank you for your time with this matter.

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 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

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 2023-02-03
Company: Credit Karma, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XX/XX/2023 I tried to register for an account with Credit Karma online. I was unable to as someone else, who is not me, nor did they have my permission to, created an account. The fraudulent email used was XXXX. I filed a police report for identity theft, XXXX. I have been experiencing Identity theft for 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Jefferson Capital Systems LLC put a collection on my credit record for a XXXX account i had in 2018. The XXXX account was paid in full and closed as i moved to a new mobile services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRUIST FINANCIAL CORPORATION
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had my mortgage for 16 year with no escrow account. I have always paid my own taxes and insurance. In 2021 XXXX XXXX hit Louisiana and when my policy went to renew the insurance company was no longer writing new policies and we had a 5 day lapse in coverage until our insurance company could find us a new policy. Truist then placed coverage for that week and told us when we get a policy to send it to them which we did XXXX days after getting the coverage. It was faxed and also uploaded into our account so that they would have the new policy information. This is what we were told to do and the escrow would be taken off. I have paid my mortgage every month as I did for the last 16 years. I then get told that they are denying the request to have it removed even though we showed proof that we have coverage. The lapse was out of my control like everyone else in Louisiana that dealt with having to find new coverage and having issues getting the new policy. I have not missed XXXX payment of my original house not ever. I was not paying the escrow portion of the statement due to being told multiple times we shouldnt have had it put on and they would request to have it off. Which I know it was requested once and never again after we disputed the denial. I own a business and for the first time I have been denied leases for the medical equipment we supply due to Truist reporting the credit bureau I have not paid my loan for several months which is not true. I now have a XXXX XXXX XXXX and am at XXXX XXXX where I will have to closed my business which is my families only source of income. Instead of taking off the escrow since I am paying my insurance premium monthly directly to insurance company therefore I dont have another XXXX a month to also pay on top of my regular mortgage. Truist sends me papers for financial assistance. I dont need assistance I pay the mortgage payment monthly!! I need the escrow that should have never remained on the account off! Especially due to the fact the lapse was due to a natural disaster NOT because I didnt pay my insurance bill! This company clearly doesnt have supervisors because I have been waiting for months to call me to address the denial for the request to have the escrow removed. Only found out I was being turned over to the credit bureau was because I was denied with my long time vendor a lease for equipment due to my having a poor credit score. I have never been informed by Truist that I was being reported. Since I was paying my mortgage and they were accepting if I did not think this would be reported while Im still waiting for answers.

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 2022-11-02
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I opened a Wells Fargo credit card to transfer my balance from XXXX XXXX. It was suppose to be completed by the XXXX. 

I now have an interest charge of {$80.00} for the balance transfer as well as the amount that ws suppose to be transfered. The problem is the transfer never happened. The entire amount is still on my XXXX XXXX card. So I had to make a payment and now I'll get charged interest which I was trying to avoid. That's why I got the 0 % apr card from We'll Fargo. 

I called them and they don't know what happened so they blamed XXXX XXXX. I then called XXXX XXXX and they said it's Wells Fargo. Finally, I got them on the line together and Wells Fargo can figure out what went wrong. Then they said it may take up to 90 days to figure it out. So I'll be accumulating interest on XXXX XXXX the whole time. They were also suppose to have somebody call me that's supposed to be researching it. I've received no calls. I called them back to speak to the Executive Office Case XXXX XXXX  XXXX Case number XXXX and she did not answer or call me back. 

So now I have 2 accounts and my debt has doubled now. So of course this will now effect my credit score and a I will end up paying an amount of interest I can't calculate. I have no idea what's going on or what they did. They need to take the payment amount I made to XXXX XXXX off the Wells Fargo Card as well deduct the percentage of interest they charged me for the transfer that never happened.

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 2023-11-22
Company: Amsher Collection Services, 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 AMSHER COLLECTION SERVICES HAS VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 602 A STATE I HAVE THE RIGHT TO PRIVACY, 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CANNNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 166B : 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX violated my rights by : ( IAW XXXX XXXX [ Fair Credit Reporting Act ] ) sharing my information without my written consent. Also, XXXX has consistently harassed me by sending numerous notifications via email, supplied multiple reports of the same account to the credit reporting agencies ( which make my credit report look even more unfavorable ). 

I contacted all three of the primary credit reporting agencies about this problem last year, but none responded to me in any positive manner to assist in correcting this issue. I contacted all three of them again in XXXX of this year, and received responses that, again, were not helpful.

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 2022-11-02
Company: Factor Trust
State: CA
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:
Factor Trust XXXX XXXX XXXX is violating 15 U.S. Code 1611. This organization is also violating 12 CFR 1022.142, by wilfully and knowingly refusing to block adverse information per 605C. 

Factor Trust XXXX XXXX XXXX has chosen to continually use Abusive False and Misleading practices in its DATA FURNISHING of XXXX XXXX, the federally protected consumer 's credit profile. 

XXXX XXXX latese abusive act has tipped the scales of egregious Factor Trust a branch of XXXX claims not to have any record of XXXX XXXX 's XXXX as provided to them, being part of the requirements of 605C dispute process. 

The attached exhibit will prove that XXXX has a record of XXXX XXXX XXXX XXXX XXXX the natural presence credit profile information because they are currently reporting adverse information in his credit profile. It is for that reason we are lodging a complaint, it is for that reason he is seeking remedy for their injury to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX XXXX Account XXXX : XXXX has violated my rights. Or a 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 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 non-monetary relief
Consumer complaint received 2019-12-17
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/XXXX : We were trying to buy a kitten for my children for XXXX. We found what appeared to be a legitimate, professional looking website, with names and contact information, testimonials, everything seemed above board. I submitted an inquiry via the website and they responded by text. They then emailed me photos and we agreed on {$600.00} for the cat, and {$200.00} for the delivery, as we live in different states. They requested some delivery information for the kitten- name, address, closest airport. They asked that I transfer the payment through XXXX, a service my bank, Regions, offers but I had never used before. It appears in my banking app and on my desktop online banking, right in the payments section so I simply assumed it was a credible payment method. As I had a daily limit of {$500.00}, I had to make 2 separate transactions.I sent {$500.00} on XX/XX/XXXX and the other {$300.00} went through Monday, XX/XX/XXXX. Once they received the money from the second transaction, they said the shipping company would contact me. Later that day, I received a text from the shipping company saying they were trying to arrange delivery. I said, " Great, when can I expect? '' They responded with, " There's a little problem we're facing which we need to resolve ASAP so we can proceed with delivery. We sent an email on what we're facing. '' So I checked my email to find an email saying the crate provided by the seller is very small and won't sustain the kitten throughout the flight because of the harsh weather conditions, and I need to rent a special, auto-regulated crate for {$1400.00}, which is fully refundable upon delivery of my kitten. They would send me the policy stating that it's fully refundable once I make payment. I was immediately suspicious and questioned why it was my responsibility, and not the sellers, to provide an acceptable crate. From there, I immediately knew I had been scammed, and told them so, and they told me they would be sending my money back. Yeah right. I immediately contacted my bank to dispute the transactions and alert them to the fraud. After being transferred to a few different people/departments, I was told I have no recourse, as XXXX is not protected and there is nothing I, nor Regions, could do about it. So now I don't only have XXXX heartbroken children who won't be receiving their kitten for XXXX, I am also out {$800.00}. I have been a loyal Regions customer for 5 years and do a lot of business with them. To just hear, " Sorry, there's nothing we can do, '' is not acceptable. They should not endorse a service with such lax policies and zero protection for their customers.

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 2018-10-22
Company: Experian Information Solutions Inc.
State: TN
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 am a victim of identity theft and I am intending to sue. I have sent in over the past few months, a copy of my police report and identity theft affidavit as required by law to remove these fraudulent accounts which were opened by a thief. You are required by FCRA laws to block these fraudulent accounts within 4 days. XXXX  and Experian Credit Bureau are still in violation of the FCRA laws by reporting these fraudulent accounts on her profile.

The law is very clear as to the Civil liability and the remedy available to me (section 616 and 617) if you fail to comply with Federal Law. I am a litigious consumer and fully intent on pursuing litigation in this matter to enforce my rights under the FCRA.

Under section 609 (e) of the FCRA, a victim of identity theft is entitled to the above referenced documents without a subpoena. 1) XXXX XXXX, Acct.#: XXXX  Unverified Account2) Medical, Acct.#: XXXX  Identity Theft Account3) Medical, Acct.#: XXXX  Identity Theft Account4) Medical, Acct.#: XXXX  Identity Theft Account

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 2023-11-19
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I did not open any card with American Express im devastated to see someone applied for a card under my name and was using it without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello this is my second complaint against TSI. They are still reporting inaccurate and incomplete information on my credit report. This is an FCRA violation. I have also asked them to cease all communication with me and they still keep contacting me. I am well aware of the consumer laws and they are in violation. My attorney has advised me that I can sue them for {$1000.00} per violation. I'm sure they would hate to be sued for a higher amount than the alleged debt. I also spoke with the original creditor XXXXXX/XX/XXXX and they were not willing to accept payment from me, so why would I pay a 3rd party collector who I never signed a contract with? First off, the balance is incorrect and second, they will need to send it back to the original creditor so I can make some sort of agreement with them. I do not see the point of keeping this collection on file after I clearly stated to cease all communication with me.

As per the FDCPA 15 U.S. Code 1692g, I have the right to request a validation of this debt. I would like the following hard copies : 1. Agreement that authorizes TSI to collect on this alleged debt.

2. The correct amount of debt itemized and listed.

3. Contract with my signature.

4. Any payment history on this debt.

Thank you for your time

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 2018-08-15
Company: FIRST ADVANTAGE CORPORATION
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXXXXXX XXXX XXXX included my expunged criminal record in a background check. Initially, the representative tried to blame the county for providing the information, but after speaking with a supervisor they admitted that they had gotten the information from their own database that was never updated. In addition, the name of the charge was incorrect and so was the level of the offense. After working for 8 years towards an expungement it was incredibly traumatizing and embarrassing to have this dredged up again. While I have been assured they will review my dispute and report the correction to my possible employer, this may take up to a month. The employer in question may need to hire someone else in this time, and even if I am hired it is extremely embarrassing to have this issue. This has been a huge financial and emotional burden. Finally, I this company has asked that I fax them all the needed documents putting the burden of proof on me. I find this unacceptable as XXXX XXXX   XXXX XXXX XXXX is the one providing false and out of date information.This company is currently reviewing my dispute, but in my opinion, irreversible damage has already been done.

Company response to consumer: Closed with explanation