BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 Listed account as fellowed has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXXXXXX # 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 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 2023-05-18
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:
I recently submitted a request for an investigation of the disputed account several times, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the account from my file listed below. 
XXXX XXXX Balance : {$0.00}

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 2022-11-01
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A date this mail was sent : XX/XX/22 Amount the Credit Collection Services claims to collect : {$2300.00} This collection company is trying to collect the debt from me for the compnay XXXX XXXX XXXX XXXX which I've never heard of in my life.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: FL
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:
Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$7600.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$400.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$170.00} ; XXXX XXXX XXXX  XXXX Opened XXXX. XXXX, XXXX Balance {$780.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$60.00} ; XXXX XXXX XXXX AV XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My credit card company identified me as an at risk customer because they said that i have made multiple payments on my balance too early. I'm not sure why paying my balance in full and early make me an at risk client. They said that since I was not in good standing they have the right to withhold my cash back rewards. 


1. I always pay my credit card in full and on time or before the time it's due. The reason is because they give me a small credit line and since I want to use the card, I chose to pay my balance before it's due, once it's maxed out. I've never been late and pay my balance in full before or by the due date.

2 I'm not sure why paying my balance in full and early make me an at risk client. But regardless, since I have paid them the amount I owe on time or early, the rewards I earned should not be withheld. The amount withheld is {$460.00} but on my account they list that my rewards balance is only {$330.00}. This is incorrect, if you add up the rewards earned that they listed it adds up to {$460.00} ( please see attached documents ) Thanks 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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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

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 2022-11-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
wells fargo is the recipient bank of a wire that turned out to be fraud ; The bank won't share information with me and hasn't yet replied to my XXXX XXXX XXXXXXXX regarding their findings/investigation results. They are also saying that the account holder is not responsible or not obligated to refund the money. See letter from Wells Fargo response email for claim # for wire fraud. 

Wells Fargo says they will comply with law enforcement or need a court order. 

The wire was sent for investment with XXXX XXXXXXXX XXXX private healthcare fund in XX/XX/XXXX and XX/XX/XXXX, total of XXXX XXXXXXXX. I saw earnings of XXXX XXXX by end of XXXX then again in mid XXXX, balance was XXXX XXXXXXXX in my account but by end of XXXX, website, phones and email was disconnected and they stole investors money. 

I need to know if money was sent from wells fargo to any XXXX XXXX and the XXXX XXXX name because XXXX XXXX  will refund for 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 2023-02-23
Company: Valor Intelligent Processing, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Im a XXXX! I never got anything in my name. They doing collections fees on a phone from XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/2023, after carefully asking XXXX XXXX XXXX to validate this debt belongs to me that's showing up on my credit report. On XX/XX/2023, they sent back a copy of a Bill with an address I am not associated with. I have no knowledge of this address nor have I lived here. 

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

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 2022-11-01
Company: Stellantis Financial Services US Corp.
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: Credit inquiries on your report that you don't recognize

Complaint:
I am not knowledgeable of any of these inquires and never authorized these companies to pull my credit. On XX/XX/2022 I called XXXX and XXXX in on XX/XX/2022 XXXX directly in received no help. Each company suggested I dispute directly with the companies, or file a complaint with FTC, and or file a police report. I have reached out to these companies by phone and neither one could provide me any information on where the information came from. Please see below inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Stellantis Financial XX/XX/2022 Inquiry from XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2XXXX 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 XX/XX/2022

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: ERC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The credit bureau did not respond within 30days. They also reported the accounts was updated and did not provide verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: EQUIFAX, INC.
State: AL
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: EQUIFAX, INC.
State: TX
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:
No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: FIRST MIDWEST BANCORP, INC.
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I opened a personal loan with this company in 2017 and have made every single payment on time for the last 5 years because it was set up for auto pay. I ensured that before I left on this XXXX to XXXX that all my finances were on auto-pay so I would have peace if mind in not missing any payment. 

Instead of notifying me about the final payment that was set for auto draft not being auto drafted they instead reported that I failed to make my final payment. This is the 21st century there are multiple means of notifying consumers that there final payment must be paid a certain way because of their own internal policy. I never received an email, phone call, vm, or text message that my final payment was not going to be auto drafted but needed to paid over the phone. 

This type of business practice is immoral and severely disadvantages the consumer. I've made every single payment on time in full and wasn't even given the courteousy to tell me I needed to pay x. There is a potential now because my credit took a XXXX hit that I could lose out on rates for my mortgage which I'm in the process of getting. This needs to stop.

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 2022-02-04
Company: Nationwide Credit & Collection, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Nationwide Credit called my cell phone on XXXX and asked for my mother, XXXX XXXX. I explained that she is XXXX XXXX XXXX, very ill and in hospice care and she does not live here, and her only income was social security that she does not even get anymore. I explained that I am her daughter, this is my personal cell phone number and please do not call me again. On XXXX XXXX called again, I explained again that I am not XXXX XXXX and that is my mom and she does not live here, very ill, etc. the representative was very rude and called me a XXXX as she disconnected the line. On XXXX Nationwide called again, I explained for the XXXX time that I am not XXXX XXXX, this is my personal cell phone. I also told them that is this is the XXXX time that you have called asking for XXXX XXXX and to not call me anymore. Approximately XXXX minutes later I called Nationwide Credit to make sure that they remove my number from there database. They said I am not in there system, I explained I know I am not in your system but my mother XXXX XXXX is and she is who keep calling my cell phone for. Nationwide said they can not remove me as I am not in there system. I am tired of Nationwide harassing me. It is difficult enough to face the upcoming passing of my beloved mother, I should not be subjected to XXXX from Nationwide Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: MOHELA
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Mohela is refusing to supply me with information of a loan, however they are continuing to report false information onto my credit report. The loan has since been moved and in good standing with a new provider ( XXXX ). I spoke with a supervisor name XXXX and he refused to provide verification and validation on a account from 2004 ( which is still reporting on my credit ). I would like for this account to be removed from all 3 credit agencies. They have changed the dates so that it fits int the stautue of limitation and this is completely fraudulent on Mohela 's behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 is my another request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 2016-01-04
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am trying to get my PMI removed and I have been dealing with Nationstar Mortgage. I have called several times to get the fax number or address and process on how to do this. They have given me several fake fax numbers so I finally had to send all of my documents ( Private Mortgage Insurance Disclosure that I signed ) and their form via registered mail. I have called several times since they received the documents. When I finally got through to them they told me that I had to wait for automatic termination. This is not what is stated on the PMI disclosure I signed. It states that I can request it be removed if I meet all the conditions and I do and my loan is at 80 % LTV. They keep giving me the run around. They are denying my rights and it is so clearly written in Black and White on a legal document that I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX is being reported on my credit report my this account was opened by another person not me I was compromised by the Equifax breach and I believe this was opened at that time this was not opened by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This complaint is in response to complaint # XXXX # XXXX # XXXX. Your claim that there is a completed investigation on the accounts I ( the consumer ) submitted for removal, was not properly verified. XXXX, Equifax, nor XXXX interviewed any ( none ) of my family or neighbors. Per section 606, it contains specific requirements for use of an investigative consumer report. This type of consumer report contains information about a consumers character, general reputation, personal characteristics, or mode of living obtained in whole or in part through personal interviews with neighbors, friends, or associates of the consumer. Funny when you know the law XXXX likes to send out stall responses instead of complying with Federal Law and addressing facts, however I will not be deterred as I am resubmitting my original demand and XXXX needs to address the facts I have presented. The Fair Credit Reporting Act is intended to secure my right to privacy and my privacy has been breached. Pursuant to 15 USC 1681 ( a ) ( 4 ) -There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Notice Congress said the consumer has a right to privacy. XXXX has infringed on my right to privacy. First of all no one gave them this role, they assumed it pursuant to 15 USC 1681 ( a ) ( 3 ). Second of all pursuant to 15 USC 1681b ( a ) ( 2 ) I never gave them written permission to furnish anything on my consumer report. No consent is IDENTITY THEFT. I demand that the following accounts be removed immediately from my consumer report. XXXX, DEPTEDXXXX, XXXX XXXX US DEPT ED. I am also demanding to be compensated via check { {$1000.00} } per violation totaling { {$15000.00} } pursuant to 15 USC 1681n. I also Filled a police report.

Company response to consumer: Closed with explanation