BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XX/XX/2023 XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX District Heights XXXX MD XXXX To whom it XXXX concern : Per The Fair Credit Reporting Act, as a Federally protected consumer I am now opting out of any and all authorization, I, the consumer XXXX have inadvertently given you written, unwritten, verbal and non-verbal, per XXXX XXXX XXXX. 

Per XXXX CFR XXXX, states that, A consumer XXXX exercise the right to opt out at any time. 

I am opting out of your reporting services to Transunion, XXXX and XXXX. 


XXXX, XXXX XXXX XXXX for XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: PayTomorrow, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was denied an application to PayTomorrow for a lease to own/line of credit to purchase items at XXXX XXXX store in XXXX, CA. Under 12 CFR 1002 ( Regulation B ) of the Equal Credit Opportunity Act, I should not have been denied any extension of my own credit for any reason as a creditworthiness applicant. A score ( or lack thereof ) from a consumer reporting agency is not a viable reason to determine my creditworthiness when an extension of my credit was already granted with my social security number to the creditor ( PayTomorrow ). Nor is my income, or ability to pay a viable reason for the denial of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: EQUIFAX, 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:
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, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Continental Finance Company, LLC
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:
To whom it may concern, I XXXX XXXX are writing to you in reference to an account with Continental Finance Company whose is reporting a collection amount of {$1400.00} balance. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to 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 explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: IN
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2021-01-13
Company: FREEDOM FINANCIAL NETWORK
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
After a little more than a year enrolled in the Freedom Debt Relief program, my frustration level with trying to communicate with them reached a point of no return for me. I requested to modify the terms of my program after several attempts to resolve ongoing issues. FDR terminated me completely from the program. I was never informed that could happen when I was asking for a modification to complete the program. In short, I wanted to remove my 4 debt accounts that had not been processed by them and continue in the program with the ones that were in process.

FDR had been taking their fees in advance from my dedicated account and as of terminating me, they collected 83.8 % in fees on the debt resolution payments they made from my account. They paid {$3800.00} towards my debt from the total {$7400.00} in deposits I made. They paid themselves {$3200.00} for settlement fees. The other funds paid out, {$370.00}, were also fees, not paid to FDR. The contract stated their fees were 21 %. I can provide any supporting documentation that would be needed to verify what I am saying. Please let me know specifically what is needed. My last correspondence with them is attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Today around XXXX XX/XX/2022 I called Experian as I noticed I have disputed my XXXX Retail Credit account twice in 3 months and they do not do any due diligence when the company responds. I have been given no proof they have even answered. Today I was told that is how it is. If they ( XXXX ) do not want to respond they do not have to or even update my account properly the Experian representative said today. I have settled this account in full. It is still showing derogatory and past due. I have other accounts I have settled in full and those accounts are updated correctly. 

I have documents to upload and of course it never works on Experian. When I called XXXX they put the blame on Experian and Experian put the blame on XXXX. This is extremely frustrating. 

Experian is a leader in the industry and this situation they seem to not want to be bothered. This is the 1st time I have had such a issue with them and hate having to do this. They have always been the better reporting agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: CITIBANK, N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Checking account was opened on XX/XX/XXXX with a promotional code that I confirmed was attached to the account. 

The terms are laid out here https : XXXX The requirement of {$1000.00} in enhanced direct deposits was completed XX/XX/XXXX. 
The requirement of {$1000.00} in debit card purchased as completed on XX/XX/XXXX. 

The terms state XXXX XXXX  miles will be deposited within 30 days of completing the requirements, which would have been XX/XX/XXXX. It is now XX/XX/XXXX and the miles have not posted.

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 2022-04-28
Company: WELLS FARGO & COMPANY
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Atlas Credit Company, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The issue is with Atlas credit company in XXXX, Texas they are constantly threating legal action. Every single day they go to my house knocking loud then park in my drive way and start honking repeatedly for several minutes at a time. They have also go as far as going to the neighbors and telling them that I do not pay my bills. They leave signs all over my fence and car, today they followed me in town till I got home and ambushed me telling me they needed a payment

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
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:
These are not companies I signed up for yet they're giving missed payments that I was not recognized for please remover any missed chargers or collections from these 3 companies I did not sign up for. Thank you! 

XXXX ) XXXX XXXX XXXX, XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX Original creditor, 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 2022-12-19
Company: EQUIFAX, INC.
State: GA
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:
My name 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
the accounts listed have been properly discharged by the IRS Please make sure that THE ACCOUNTS ARE UPDATED TO PAID IN FULL CORRECTLY this was date XX/XX/ here is the evidence it was accepted by the IRS. this was the date XX/XX/ it was mailed. I AM ATTACHING ALL EVIDENCE OF THESE DISCHARGE. 

MY COPY B FORM ACCEPTANCE EMAIL. 
AND USPS OFFICIAL COPY B TAX DOCUMENTS MAILED ON CREDITORS BEHALF.

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 2022-12-19
Company: EQUIFAX, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
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:
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 XXXXXXXX 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 Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
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:
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 reportsno consent is fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Notice of Violation of the Terms of Bankruptcy of the Government of the United States of America, XX/XX/XXXX, A.D. XXXX, Priority Claim For Discharge, and Entitlement Order To All All These Presents Do or XXXX Concern, Greetings Whereas, the organic laws of the United States of America forbid involuntary servitude, and ; Whereas, the public laws of the Government of the United States declare void, any contract evidencing a public debt obligation containing any gold clause requiring tender of payment in any specific specie of legal tender, and ; Whereas, pursuant to provisions set forth in said public laws, as of XXXX XXXX XXXX XXXXXXXX, no legal tender exists, and ; Whereas said public laws entitle the undersigned to claim for discharge, dollar for dollar, in any such amounts appropriated by said Government, upon demand ; Now Therefore, the undersigned XXXX ; XXXX XXXX, duly authorized to act on behalf of the entitlement holder : XXXX XXXX XXXX, Agent for the Principal : Government of the United States duly authorized by the State of Illinois ; evidenced by State File Number : XXXX, makes priority claim for discharge, dollar for dollar, on any such amounts due, and hereby authorizes and Instructs any/all parties presently in custody or control of any such amount ( XXXX ) due now, or in the future to said entitlement holder ; to act as Securities intermediary, and remit against any XXXX amount ( XXXX ) via same day electronic funds transfer at its account at the Federal Reserve Bank of New York XXXX XXXX ABA : XXXX ; FI ALC : XXXX, on said entitlement holders behalf, and release the XXXX of bond ( XXXX ), on any such property. 
( our authority granted herein and hereunder shall expire upon the earlier of : any communicator from the undersigned terminating your authority granted herein, or Your completion of the acts, authorized herein. You shall ignore any further instructions from any other entitlement holders, unless duly authorized in a communication delivered to You by the undersigned. The undersigned is not disqualified to act, under said organic and public laws It Is So Ordered. 
XXXX XXXX XXXX XXXX XXXX XXXX Holder Without recourse to the undersigned Agent By : XXXX : XXXX, XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Valor Intelligent Processing, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is stating that I allegedly owe them a debt that was removed from my credit report this year. This debt was sold and this company purchased from a XXXX  of debt. This alleged debt has affected my of obtaining credit and I shouldn't be punished by a company that violated my consumer rights

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: WSFS FINANCIAL CORPORATION
State: TX
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:
SINCE WSFS BANK IS THE BANK BEHIND XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX  DEPOSIT ACCOUNTS, this complaint is directed towards this bank for not supervising the regulatory requirements that goes with XXXXXXXX XXXX license especially when UNAUTHORIZED TRANSACTIONS HAVE BEEN PROMPTLY REPORTED. A police report has been made to XXXX XXXX of the XXXX POLICE DEPARTMENT ; Report XXXX To dateXXXX XXXXXXXX XXXX  intentionally REFUSES to post an available credit totaling {$2900.00} which is the total amount of XXXX direct deposits made into the account on XX/XX/2023 and XX/XX/2023, respectively. On XX/XX/2023, XXXX supposedly issued provisional credits but HAVE NOT MADE THESE CREDITS AVAILABLE FOR USE which has caused insurmountable financial losses since i have not been able to pay any bill and due to this, i have beeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs ; an adverse reaction to the benefits advertised by XXXX XXXX XXXX XXXX 's promotional advertisements claim of helping to " build credit ''.- on the contrary, they have destroyed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After being told by Cross Country Mortgage that I had been approved for the mortgage on a property at XXXX XXXX XXXX XXXX. XXXX from XXXX XXXX XXXX  charged me {$420.00} on XX/XX/2020, for an inspection from which I was denied a loan. On XX/XX/2020 my XXXX XXXX XXXX XXXX Account was charged {$450.00} to collateral Management for an appraisal of the property at XXXX XXXX XXXX XXXX. On or around XX/XX/XXXX I paid XXXX XXXX XXXX {$200.00} for a membership fee and a application fee to The HOA at XXXX XXXX XXXX. Due my XXXX  and the XXXX XXXX I feel I was taken advantage of by unfair house marketing strategies by Cross Country Mortagage company and its business partners. Cross Country Mortgage should have told me that I would not be approved for the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation