BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-14
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:
TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IS REPORTING THIS BUSINESS BELOW, AS A COLLECTION ON CREDIT REPORT THIS IS DUE TO IDENTITY THEFT PLEASE REMOVE OFF MY CREDIT REPORT BUSINESS THAT'S REPORTING A FRAUD ACCOUNT ON MY CREDIT REPORT Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE OFF MY CREDIT 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 2023-01-09
Company: BMW Financial Services NA, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX Letter was sent to BMW Financial Services, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, in 2022 in an effort to remove late payments from my account. I was sick with XXXX and fell behind due to not working at the time and they did not provide grace and remove late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX placed an invalid, unverified, fraudulent and illegal inquiry into my Experian credit report without me authorizing their organization to view my credit history.

This is a violation of Federal Law. XXXX XXXX is knowingly reporting false information to Experian.

This inquiry is NOT MINE, nor was it authorized by me, and XXXX XXXX has failed to verify it. Their actions constitute fraud under both Federal and State Laws : -Violation of the Fair Credit Reporting Act -Defamation of Character I am disputing this inquiry, through both the CFPB and the XXXX.

I've asked for verification. They failed to supply verification.

This inquiry is negatively affecting my credit report and score due to this company 's false reporting.

I contacted XXXX XXXX and they have NO proof I initiated such an inquiry, nor written authorization. They have FAILED TO PROVIDE ANY PERMISSIBLE PURPOSE.

Since they do not have my authorization, written nor verbal, I demand that they DELETE this unauthorized and illegal inquiry from my credit report immediately as there is NO EVIDENCE OF ANY AUTHORIZATIO

N, 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 inquiry is unauthorized : Made by : XXXX XXXX Made on : XX/XX/2019 Made with : Experian The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that this unauthorized inquiry be removed immediately.

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 2023-06-21
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have been an American Express Customer for nearly 2 years. I was recently approved for a number of business credit cards with AMEX. Suddenly, over two weeks ago, they blocked all my cards while they perform a " review of my information '' they requested bank statements which I sent multiple times for their review team immediately and have called nearly daily for an update of what is taking so long. They said they accept my XXXX statement but can not confirm my XXXX statement?? I sent them together. I have bills that come off of my AMEX cards that are being denied. Now they want to call my bank. 

This is private information I have already given hard copy proof. American Express policies dont superceed the law. I am a federally protected consumer under the Code of Federal Regulations and this a breach of privacy for AMEX to demand a phone call with my banker after I have already given them hardcopy proof that I have given them via statements. Where in the law does it state this is required to open up credit? Or that they are able to do this under the equal credit opportunity act. 15 U.S. Code 1691 ( a ) ( 3 ) Please look up this U.S. Code to see what they are doing is DISCRIMINATION and is completely illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
State: NC
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 sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$78.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-16
Company: Square Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am emailing in regards to cash app changing my account and routing details without informing me. I had my tax refund linked to my XXXX XXXX XXXX account. The other day it just automatically changed to XXXX XXXX XXXX account. How am i suppose to get my tax refund? I've moved out of the state in which i filed, that is why i had it sent DD instead of a paper check. Now because of this change without my consent or giving me a heads up, my tax refund won't get to me until god knows when. Also my last DD for my job has to be mailed also because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have an HAMP loan wit XXXX XXXX XXXX which was sent to Nationstar Mortgage. The Hamp loan was for 2 %, 3 % and mature at 4 % in the fourth year. While completing the fourth year the Mortgage company said they are raising the mortgage interest from 4 % - 4.625 % and there are no end in sight. I applied re-modification and they said because I was on time in my payment and not in default they can not help me. I also include a divorce decree where the court request I remove my spouse name on the mortgage, they will not do it. I try to refinance with them and the said no because the property is still under water. I have no where else to go and need help. The new mortgage payment is more that 55 % of my net income and can not continue to afford it. I want to keep my home and now they hold me hostage because I have no where else to go. No mortgage refinancing company will touch me because the property is underwater. I want a permanent interest rate and not floating. Please help me. The following information is necessary Mortgage XXXX Nationstar Mortgage My name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: AL
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:
transaction was reported on my credit report that violated my consumer rights. 

15 U.S.C 1681b ( 604 ) - ( A ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) .In accordance with the written consent of the consumer to whom it relates. 
I never gave Equifa written consent to furnish any inquries on my credit report they are in violation of the FCRA.Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
While checking my most recent credit report, I noticed unauthorized inquiries made by the following companies : Inquiries : ACCOUNT NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ; INQUIRY DATE : XX/XX/XXXX ACCOUNT NAME : XXXX ; XXXX DATE XX/XX/XXXX ACCOUNT NAME : XXXX / XXXX INQUIRY XXXX ; XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ; INQUIRY DATE XX/XX/XXXX ACCOUNT NAME : XXXX : INQUIRY DATE XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, i did not give you transunion permission to furnish this this information onto my credit report. 

This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I also demand you transunion to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2023-07-27
Company: Remitly, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Got three unauthorized transactions from XXXX XXXX XXXXXXXX debit card through Remitly : XX/XX/XXXX XXXX ( XXXX dollars XX/XX/XXXX XXXX ( XXXX dollars XX/XX/XXXX ( XXXX dollars I didn't even register for Remitly. Remind employees said they are the third party merchants so they refuse to refund me and the person who told with me firmly claimed that it is none of your business. But I also received another email which state that the fraud transactions with small-amount would be settled back to my back account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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 account. 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. Please delete the account : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX  Balance : {$7500.00}

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 2022-04-15
Company: EQUIFAX, INC.
State: NY
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. I have submitted dispute to the credit bureaus on numerous occasions to get these fraudulent items removed. These items still remain on my credit reports, but have not been verified by me. I have not seen a contract or my signature on any of these accounts. I have the right by law, to be shown how an account is proven to be mine, and the credit bureaus have not done that,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have been receiving bank statements from the Wells Fargo company and I have never authorized to open an account in my absence. Please delete my personal information with Wells Fargo fraudulent open accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: MD
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:
XX/XX//22 I sent a letter to the courthouse asking do they report bankruptcies to the credit bureau and I got a letter stating They do not report any bankruptcies to anybody So if thats the case, how did the credit bureau verify this bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681 15 USC 1681 section ( 3, E ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit Bureau violated my given right under 15 USC 1681 According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy According to : 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 According to : 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 2021-01-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This a my second complaint against Wells Fargo Home Mortgage. The reference number for the first complaint is XXXX, which was resolved by Wells Fargo, but it now appears I am being retaliated against because of that complaint. 
I applied for a VA home loan in early XXXX. My credit history is flawless, my debt to income ratio is low, and I have substantial assets to back up my mortgage. And, I have timely complied with every single document request from the loan processor, even though on several occasions I was asked to submit documents that I had already submitted. In addition, I made it absolutely clear to everyone involved in my loan review at Wells Fargo that I was on a very tight timeline to complete the loan by XX/XX/XXXX ( the scheduled close of escrow date ). I believed two full months to approve a loan was reasonable. Unfortunately, two individuals, my loan processor and my underwriter, didnt seem to agree. 
Its important to state that I am also in escrow on my current residence and must vacate by XX/XX/XXXX. 
Notwithstanding the facts that, my loan processor was unavailable for two weeks during my loan review, the underwriter was unavailable for a week at a critical time during the review, the underwriter waited until the last minute to ask for things that I could have provided in XXXX, and the underwriter requested unnecessary and irrelevant documentation - all of which have delayed loan approval. Yet, things would have been fine - had the underwriter not decided to sign off early on XX/XX/XXXX. 
On that date, by XXXX in the afternoon, I had finally been able to comply with ALL the underwriters demands for documentation. According to the two Wells Fargo loan consultants working my file ( XXXX and XXXX ), my loan should have been cleared to close on XX/XX/XXXX. However, the underwriter left work, early knowing full well that I was working hard to meet her demands so Id have enough time to ( barely ) close my escrow by XX/XX/XXXX. ( At that point, I was basically facing being without a place to live as of XX/XX/XXXX. ) I can only assume, at worst, that the underwriter intentionally delayed the clearing of my loan to retaliate against me for my previous complaint. At best, its a demonstration of callous indifference for the hard work Ive done to meet all her demands, both reasonable and unreasonable, as well as the hardship Im facing due to the delays she and the loan processor have caused. 
I realize that, by the time this complaint reaches the Wells Fargo executive team, l will have already been without a place to live for several days, at least. However, what Ive had to go through with my Wells Fargo loan process, needs to be addressed. 
Thank you.

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 2023-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I owe the Bank of America on my credit card. I've made multiple attempts to work with them however, they have not complied with my requests to have the debt settled and taken out of my checking account on a monthly basis Now they are taking me to court trying to say I've done nothing about my debt. Every time I call and pay down some of the debt and ask yet again, to have a settlement amount taken monthly, they set it up and then nothing gets done. It's predatory and damaging to me, and I want to pay the debt, but need a settlement, not to be sued for their errors.

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