BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
After reviewing the FCRA ( which governs how information is furnished in a consumer report ) as well as consumer law, it has come to my attention that your company is violating the law ( s ) set in place to protect the consumer. Last time I checked, company policies do not trump federal law. If this is the case, send me documentation ( s ) supporting the claim.

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 non-monetary relief
Consumer complaint received 2023-04-21
Company: EQUIFAX, 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 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. has violated my rights. 
15 U.S.C 1681 section 602 A. States I have rights 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX I was enrolled in the Network Administrator program at the XXXX XXXX XXXX XXXX and attended for about a month then our program was shut down due to COVID. 
Unfortunately, we ( all of the students ) couldnt continue our schooling as the pandemic continued to cause delays in us returning to the classroom. 
To my surprise I received a bill for $ XXXX stating I owed this money for the program I wasnt ever able to complete, due to the pandemic. 
Then, I received a credit bureau alert stating that my credit scores had dropped by XXXX points because a collection agency by the name of XXXX XXXX added a new collection for $ XXXX to my credit report. When I researched this further, I realized it was for a debt that was in no way owed by me to XXXX XXXX. 
I contacted XXXX XXXX at XXXX XXXX XXXX XXXX back in XX/XX/XXXX requesting assistance to get this resolved however I never heard back from any. I am asking that the CFPB please step in and help me as I dont owe this debt as I wasnt ever able to attend the classes I had signed up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: SC
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 to with the Fair Credit Reporting act XXXX account name XXXX XXXX XXXX, account number 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 an account without my written instructions.

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 2020-04-09
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
There has been several Credit Transactions That I was charged a gratuity tax on which was never explained to me or made clear when the card was issued to me through Unemployment of PA. I spoke to the Assistant Director XXXX on several occasions who became very abrupt and rude as well. From The beginning, I wanted to use my XXXX XXXX Acct which they screwed up. I ended up using the card and every time I use the card to call and pick up food from XXXX XXXX in XXXX, I get a hefty surcharge tacked onto my total. This has been goingg on for quite some time and I have called and tried to get XXXX Customer Service. I have called more than once, been talked down to and disrespected as well as hung up on, especially when asking for a Supervisor.Not only XXXX, But there are other restaurants they are overcharging me as well with this Gruity Tax Thing.I am not dining in especially due to Corona virus, We are not allowed. On Monday XX/XX/2020, I was charged XXXX for a purchase of XXXX at XXXX. they said that he charge was from XXXX  but I called XXXX 2 days ago and they said they would refund the XXXX which XXXX hasn't yet put back on my card. I told XXXX   Benefits that I no longer wish to use their service. These People at  XXXX are very ignorant, disrespectfulal and rude and I all monies refunded to me or a lawsuit will ensue. I have already contacted State Republican XXXX XXXX Office.I finally got a supervisor on the phone like a day a day ago and she tried to get me off the phone and completely disrespected and ignored my complaint and asked me if I wanted to cancel my card and be transferred to dispute complaints.

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 2023-02-24
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:
I am interested in disputing all incorrect information on my credit report with transunion. checking my file alot of informatio is invalid an not 100 % accurate with all XXXX credit reports. please update an remove the information reported incorrectly.

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 2020-04-09
Company: Experian Information Solutions Inc.
State: AR
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:
My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report. 

XXXX  XXXX {$2100.00}

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 explanation
Consumer complaint received 2020-05-08
Company: EQUIFAX, INC.
State: NV
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: Other problem getting your report or credit score

Complaint:
equifax web site has new url and did not update access to my credit report that i pay for?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX {$2100.00}

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 explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is about the fourth or fifth time now in the year XXXX, I keep telling the bureaus they are listing inaccurate information or incomplete but they only delete certain items not all. Here are more details on the accounts that should be deleted! 

To whom it may concern : According to the Fair Credit Reporting Act, Section 611 of FCRA, credit bureaus have a responsibility to delete any information from credit reports that is inaccurate or incomplete. This is important to note, as even if an account has only been speculated upon or never confirmed in any way, the burden falls on the credit bureau to provide evidence of its veracity before it can be placed on a credit report. If the information in a credit report is wrong, it was never proven to be factual, and the consumer has the right to take legal action against the credit bureau. After disputes online and multiple complaints via the CFPB and disputes by Certified Mail, inaccurate information continues to be listed on my credit report and should be deleted immediately. I have compiled a list of date on my report attached to this complaint and one has been sent via USPS mail to the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: DE
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 following companies have violated my rights. 

XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that a consumer has 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.

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 2020-04-09
Company: 21ST MORTGAGE CORP.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2018 21st Mortgage provide illegal mortgage for Estate Sale " XXXX XXXX '' estate of XXXX, GA. My mother informed lower court XXXX XXXX, Attorney XXXX & other parties that was wrong of XXXX XXXX. The Magistrate sold 10 arces of prime real estate. The underwriter perform illegal estate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRUIST FINANCIAL CORPORATION
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:
On XX/XX/XXXX, I contacted Lightstream ( Suntrust ) Via phone to have this loan not report on my consumer reports. They claimed they couldn't help me but according to LAW On my truth and lending DISCLOSURE, 15 US Code 6802b. I MUST have the opportunity to have any information not be disclosed on my consumer report. I WAS NOT GIVEN THIS OPPORTUNITY. As now it is XXXX and this is a detriment to my consumer report.

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 2020-04-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am filing my compliant against USAA my bank. I filed disputes with a company where they ran my card through more than once. I did reach out to the company as well several times. I filed a dispute with USAA and received provisional credits. I began to receive letters from the bank that my dispute was sided with the vendor because they provided receipts. I also have receipts for the accurate charges on XX/XX/XXXX XXXX advising she was with the disputes team reached out and we discussed all were valid but one, after that I began receiving notices that the money was being taken back out, as USAA had sided with the vendor. I began reaching out. To date, I have spoken with Executive Resolutions Team, A manager and 10 reps who all leave notes to reopen and/or to contact me. I have even filed a XXXX  complaint and USAA wil not help me. Finally yesterday I received a call after attempting to contact since XX/XX/XXXX advising she was with disputes, I missed the call, the voicemail she left stated for me to call in and leave a message for her to contact me or to have the rep read the notes, I called back in at XXXX XXXX and spent 15.47 minutes on the phone while the rep looked for notes that were not there. USAA will not help me or even give me a chance to inquire why. Its sad when its my money, it is a time of limited work and they helping a business take my money. Just wish someone would help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I am including backup paper work for CFPB confirmation # XXXX. I had to scan the paperwork and was not able to attach to this confirmation number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
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 non-monetary relief
Consumer complaint received 2022-12-22
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company has been reporting an invalid medical debt to XXXX since XXXX of XXXX. 

When I requested debt verification, the only documentation they could provide was the name of the company and the supposed amount owed. 

They have yet to produce - A copy of an original written agreement between the company and myself. 
-Proof that they have the right to collect in the state of Maryland This is currently beyond the statute of limitations in the state of Maryland XXXX The procedure was over 7 years ago.

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 2020-04-09
Company: 1st Franklin Financial Corporation
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent a validation of debt letter to 1st Franklin Financial dated XX/XX/2020, after receiving a letter dated XX/XX/2020, from 1st Franklin Financial stating that they had just received a debt that was transferred to them that belonged to me. 1st Franklin then sent me a letter on XX/XX/2020 refusing to validate the alleged debt that they state belong to me. 1st Franklin Financial is now in violation of UCC 5-301 FAILURE TO ENDORSE OR SIGN A PRESENTMENT and FAILURE TO SHOW PROPER AUTHORITY TO ACT ON BEHALF OF ANOTHER. 1st Franklin Financial has failed to provide me with following information : What money they say I owe, explain how they calculated what they say I owe, provide copies of any paperwork that show I agreed to pay what they say I owe, provide a verification or copy of any judgment, identify the original creditor, prove the statue of limitations has not expired on the account, show me that they are licensed to collect in my state, or provide me with their license number and registered agent or agent service. 1st Franklin Financial has also continued to harass me about a unverified validated debt, by continuing to write to me. I have attached the two letters I sent to 1st Franklin Financial as well as the three letters I received from 1st Franklin Financial.

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 2023-02-27
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/ 2023 I received a notification stating that an " EQUIFAX MORTGAGE SERVICE '' ran my credit resulting in an unauthorized inquiry on all 3 credit bureaus XXXX, EQUIFAX and XXXX. I contacted all 3 bureaus and requested that they remove the unauthorized inquiries from my report due to fraudulent activity. I have also sent them my FTC report along with my dispute and they refuse to remove the inquiry from my credit report. The letters were sent on XXXX2023 and it is now 30 days past and the inquiry has still not been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: WELLS FARGO & COMPANY
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Wells Fargo auto reported late payments in XXXX and XXXX of XXXX. I was not late in making payments. I had a final loan balance due of XXXX dollars in XXXX of XXXX with accumulated late charges of approximately 800 dollars, they said in order to continue making payments on only the late fees they had to leave a balance of 1 dollar to keep the account open. My last payment for the loan was paid in full in XXXX of XXXX. They reported 30 days late with a balance of 1 dollar for XXXX and XXXX. I tried mailing info to dispute center at wells fargo and no response, I tried disputing through  XXXX  and they closed the account and left the late payments.

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 2020-04-09
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am being charged late fees from citi bank Best Buy credit card. I have been charged {$25.00} on 3 separate occasions and the only thing i have done is try to make payments. I now have lost {$75.00} to fees. I have tried to reach a customer service representative only to be put on hold hours on end. I have tried signing in on their mobile app, on my phone, and on my laptop with no luck. Every time i try to sign in it has issues signing into my account with associated birth date, social security, etc. and locks me out of my account. I have been able to get into the account one time on my XXXX through XXXX  and it showed no minimum payment due, but a balance of {$620.00}. The full amount it says i owe when it charges the late fees is {$1300.00}. I want to pay the full amount so i never have to use this card or company again. I have pictures of my bank account and the fees they are pulling. They have pulled fees XX/XX/XXXX XXXX and XXXX of this year. I made a payment on XX/XX/XXXX of {$620.00} through their automated system since that was the only place i could make a payment and the maximum amount it would allow me to pay only to be charged with two more {$25.00} fees as i have said above. I still have not been able to reach anyone and it has been about 2 weeks since i have been trying to pay this card off in full and get the late fees waived.

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