BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-15
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: Credit inquiries on your report that you don't recognize

Complaint:
Dear Credit Bureau to whom May Concern I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. All Hard Inquiries .. My social Was stolen back in XXXX And a lot of inquiries I have was not made by me I repeat Not done by me. I would like a fair investigation To get all hard inquiries remove or I would Follow this letter up with Cfpb Sincerely 1. ( XXXX  ) XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX XXXX, XXXX XXXX ) XX/XX/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 XXXX  ) XX/XX/XXXX ( XXXX cards ) XX/XX/XXXX ( XXXX XXXX  ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX 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 explanation
Consumer complaint received 2023-11-16
Company: RIA FINANCIAL
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Confusing or missing disclosures

Complaint:
An account was opened at XE under my email. I submitted all required information/personal data, including a photo of myself, the amount I expected to transfer per year, and my currency pair USD/MXN. I entered into two contracts to transfer money for legal services in XXXX, for a probate matter in XXXX for which I am the legal US representative. 

I received an email receipt for XXXX for XX/XX/XXXX. XXXX was debited from my bank account. I received an email receipt for XXXX for XX/XX/XXXX. My account was closed with no explanation given. XXXX was debited from my bank account. I phoned and waited 40 minutes ; there was nothing she could do or say. I wrote an email, and they confirmed they could no longer assist me any further, and XXXX would be refunded to my bank account on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: MO
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:
This in regards to a vehicle from XXXX XXXX with an open auto loan through XXXX XXXX  XXXX XXXX act # XXXX. XXXX XXXX did not provide me with Truth in Lending. This is a clear violation of my consumer rights. If they provided me with TILA then I would have known that the alleged vehicle was not funded. XXXX XXXX provided me with a vehicle on or around XX/XX/2022. I did not have full amount that they were asking for but they still allowed me to purchase vehicle without insurance. I stated to the sales rep that I was not fully comfortable with the car that they provided for me because XXXX, right now in XXXX XXXX MO have a high theft alert. They then stated that I could not return car once I drove off the lot which is another violation of TILA and regulation Z which clearly states they are to provide consumers with rescission rights. XX/XX/XXXX the vehicle still had not been funded. I waited until XX/XX/XXXX to try and return car again seeing that it had still not been funded and thats when the vehicle was stolen. I have the police report with complaint # XXXX and it will be attached. I contacted the sales rep and he tried to make me feel bad by saying to not say anything since I did not give them what they originally wanted for the car to begin with. He said that he would take care of the situation. XX/XX/XXXX XXXX XXXX  XXXX XXXX posted on my consumer report and began requesting payments. I did not give them permission to post anything on my consumer report. 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. Once I seen the posting I immediately contacted the sales rep at XXXX XXXX where I was told the sales rep no longer worked there. XXXX XXXX falsified information to get me into a car and has not tried to help resolve this. They are damaging my consumer report because XXXX XXXX  is marking late payments and adding interest on a vehicle that I don't have and never was supposed to have to begin with. By the time the first payment was supposed to be made and funding came through the car was already gone. XXXX XXXX is responsible for this and needs to handle this. I also will be filing with MO Secretary of State as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
File # XXXX. From mid XXXX thru the current date I have been trying to correct a credit report from TransUnion and they have not corrected the report. This is regarding 2 XXXX accounts showing 6 late payments on each for a total of 12 late payments. These 2 accounts were in forbearance as clearly shown with the paper work included from the creditor. I have included these documents from ( Begin XX/XX/XXXX through End XX/XX/XXXX ) the accounts clearly show the accounts in forbearance. Then immediately back in forbearance XXXX XX/XX/XXXX. I need this corrected immediately as these inaccuracies have prevented access to mortgages to which I have been prevented from obtaining because of this failure to report accurately.

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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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  Previous Address ( es ) : XXXX XXXX XXXX XXXX, SC XXXX, has violated my rights. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX, SC XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX 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 instruction 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 non-monetary relief
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: OK
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXXXXXX XXXX XXXX XXXX XXXX Balance {$4900.00}.

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 2023-01-10
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Im actually sitting in the bank and theyve even held a short meeting in the back to poorly lie and explain why they keep taking overdraft fees for no reason. They cant explain how my deposits dont cover my debits. Theyre on the phone now trying to figure out a way to explain why my deposit wasnt counted. Now theyre saying they dont know what times deposits and debits hit the bank. This has caused a snowball effect, driving my account more and more into a negative status. This is not the first time theyve done this. I let them know that I am in contact with you guys and all of a sudden, they can reverse the fees. Well see how this plays out and Ill file another complaint if theyre still trying to run this scam.

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 2022-04-21
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: National Credit Systems,Inc.
State: NJ
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:
I dont know who these people are! They are reporting on me and I did not give them my information!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have never opened a loan with XXXX. I only had a XXXX XXXX XXXX which I assumed was closed in 2022. I assumed thats where my payments were going to. In XXXX I got notification that my account was XXXX  days late due to lack of payment on a loan that I never opened for XXXX dollars and that my account was closed. The company keeps saying that someone logged into my account and approved it! I did not. I filed numerous complaints and a police report. I am being held hostage and my credit continues to suffer.

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 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 paid off a {$1000.00} limit Credit card and cancelled it because of a {$69.00} annual fee. My credit score then dropped XXXX pts in XXXX day. So my question is why would this happen? I know this is not a topic you have listed but I sure would like to know why taking care of my credit results in a XXXX point drop in my score.

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 2023-01-10
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:
I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


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 DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023 I turned off auto pay ... which was more than enough time for amex to know about it. I get an email today that they are pulling XXXX out and it's being processed yet I know I stopped it on XXXX. When I called amex the man said it was still active which is odd since it was turned off per the advice of an attorney XXXX. So I'm well aware of the fact I turned it off but miraculously it's back on... which I will tell the attorney about. 

The man said he couldn't shut it off as it's being processed ( convenient ) and I am writing to ask they shut it off immediately bc I did that on XX/XX/XXXX and the guy is trying to tell me maybe it's a " glitch ''. 

The bank was also contacted as to what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
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: Information belongs to someone else

Complaint:
Experian notified me of a hard inquiry on my account XX/XX/2022. As far as I know it would have been an application at that time. XXXX XXXX XXXX was the source of inquiry. When I called XXXX XXXX they said someone applied for a credit card in my name. They gave me this information to contact you. I also placed a fraud alert with credit all 3 bureaus. As far as I know this was stopped before any transactions were done, so no losses at this time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: Shellpoint Partners, LLC
State: IL
Product: Debt or credit management
Sub-product: Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised

Complaint:
I have been waiting for Shellpoint to provide all the account information to XXXX. This is my new mortgage servicer and the old one, XXXX tried to push me into foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-06
Company: The CMI Group, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never notified about this debt. Was never given the right to dispute this debt. Creditor placed 2 collection account on my credit reports without notifying me about the allege debt. Original creditor- XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-11-17
Company: EQUIFAX, INC.
State: AZ
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 received alerts to my cell phone about unknown inquiries. I am not liable for them. Please investigate and remove from my consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05
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 fraud alerts or security freezes

Complaint:
XXXX XXXX XX/XX/2023 XXXX Slate XXXX XXXX, Fl XXXX Removal of Fraud alert and Removal of personal statement. 

Please accept this as a former request to remove both my Fraud alert and Personal statement from my credit report as I have had the opportunity to get a better handle on my credit affairs.

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 2023-07-23
Company: Siggi LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Personal Loans with Omni Financial will not honor Service Member Civil Relief Act ( SCRA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 # 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 # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX Other accounts : # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # **** # 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 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 2022-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Presented POA to the bank and was approved able to withdraw from the account and requested a wire transfer and was approved. Then the funds was held by the banks wire transfer dept. because my name is not on account which was not the case. At the branch, they were able to add my name on the account by POA but the wire transfer dept. cant see the approved paper so they were requesting an account verification by phone which didnt materialize because the account owner was unable to communicate. But since my name was already added on to account it should be enough.

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