BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 ACCOUNT # 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 AGENCYCY 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 non-monetary relief
Consumer complaint received 2023-08-09
Company: Diversified Adjustment Service, Inc.
State: IA
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:
sometime around XX/XX/XXXX, this complainant and his family moved from XXXX Iowa back to XXXX XXXX in our new residence the landlord allowed us to keep electric his name until we could change it over at XXXX XXXX XXXX XXXX XXXX Ia. sometime around XXXX XXXX, XXXX ( 3 months later ) complainant paid his outstanding bill and had electricity transferred to his new address in his name at no time did XXXX energy tell me that they had sold my account to the collection agency ( diversified Adjustment ) without my permission to this violation of privacy and no rights to any previous bill as it was sold to a collection agency in violation of 15 U.S.C. 1681 sec 602 ( 4 ) PRIVACY VIOLATION XXXX essentially was paid twice for this account once by diversified and once by myself. not to mention they sold my info without my consent. about XXXX weeks later while checking my credit i noticed a collection from Diversified Adjustments who furnished this information to my consumer credit report with no contact whatsoever, in violating my privacy by buying my personal information, 1681 ( 602 ( 4 ) ) furnishing info without my express written consent 15 U.S.C 1681 ( c ) and by furnishing info they had not taken legal steps to do, never contacting myself, never giving an opportunity to have this validated or showing proof of ownership which they evidently do not have as XXXX accepted full payment, leaving us with this either XXXX XXXX me XXXX or Diversified Adjustments violated numerous laws in furnishing this info to XXXX consumer company. in violation of 15 U.S.C 1681 sec. ( 23 ) way to many for me to count when i noticed that this was on my credit report i contacted Diversified and informed them that they placed a collection on an account that had been paid they informed me that after they verified it would be removed XXXX years later XXXX i started working on my credit and see its still there contacted diversified again they informed me they were not removing and it would be there for some years. beyond XXXX  double dipping and diversified opening itself to numerous violations under 15 U.S.C 1681n this should immediately be removed from my consumer credit report for the numerous violation of both XXXX  XXXX and diversified. XXXX  case # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: AmerAssist A/R Solutions, 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:
Amerassist AR SOULTIONS has placed an erroneous collection on my XXXX credit report. I have never given this company permission to furnish or access any of my personal information nor share it with anyone. This information has been removed from my other consumer reports due to fraudulent and or inaccurate reporting. I have never provided this company with my personal information nor have I ever consented to contract with AMERASSIST AR SOLUTION. This company has accessed my personal information through a third party and has now decided to erroneously place a negative item on my consumer report. This is a violation of my privacy. See : privacy act of 1974etc. This company can not provide a written contract and I have sent numerous request to the credit reporting agency and the alleged creditor and they have failed to provide me with competent proof of claim or information they utilized to verify such claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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:
There has been unauthorized sharing of my personal information with unauthorized third-party agencies such as XXXX, Equifax, XXXX and more. I never authorized sharing my transaction history. This is a direct violation of my rights according to the consumer law that Congress passed to protect me. In section 1681a ( exclusions ), it states reports containing information solely as to transactions or experiences between the consumer and the person making the report shall not be included on the consumer report. My privacy is huge and it has been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capital One has been refusing to remove this illegal account from my consumer reports. Now they have sold this alleged debt to XXXX XXXX XXXX, yet Capital One continues to report this account as if they still own it. They have been illegally trying to collect on a debt that is no longer theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
House build XXXX by XXXX XXXX  ( builder ) for XXXX program. The builder was named in the suit but he died about XXXX I believe. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX City Mayor XXXX XXXX sent my account to AmeriNat for collection. I became XXXX in XXXX. XX/XX/XXXX I submitted the Loss Migration forms, I was told Foreclosure papers have been filed. As of XX/XX/XXXX I have heard nothing else. I am XXXX XXXX XXXX and XXXX, I can not afford this XXXX XXXX XXXX mortgage. I have talked to housing counselors who suggested applying for heloc loan, I can't afford the rates. The lender who has the XXXX lien denied a home improvement loan in XXXX. I am old, XXXX & XXXX so I feel like I have a target on my back. XXXX XXXX ( XXXX. XXXX8 ) https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Accounts Original Creditor : 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 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 XXXX XXXX XXXX XXXX  each of these accounts 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 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 2023-04-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Have been a client with chase since XXXX. Opened a checking and savings account in XXXX and deposited a certified cashiers check from XXXX XXXX in the branch. Funds were made available and I moved them into my savings account. A day later my accounts had been frozen and then closed. I was told by chase they didnt have to tell me why and would mail me a check after 30 days. I had to fight with them for a week to get my lifes savings. The bank showed no remorse and I still do not know why they treated me with such content. I remember feeling ashamed and embarrassed. It seemed like all hope was lost until I was able to come across someone at the deposit/risk department who coordinated with the branch were I deposited the check to get my money back. I will make note that not even the branch employees understood chase reasoning and couldnt give me an answer as the risk team at chase would not reveal that information. Nothing like feeling left and discarded like trash at your worst moment when your down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions 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 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 these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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 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 2023-09-07
Company: CITIBANK, N.A.
State: CA
Product: Credit 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:
on XX/XX/23 i tried to use my citibank credit card ending in XXXX it was .declined. then i tried using my citibank XXXX XXXX  card ending in XXXX it was also declined. i called citibank and was informed that citibank had closed both accounts unbeknownst to me. 

both of these credit cards have rewards associated with them. the XXXX had rewards of {$2600.00} accrued. citi promptly sent me a check. the account ending in XXXX had cash rewards of {$28.00}. when i asked to redeem the money, i was told that it was forfeited. why? these are rewards that i earned by making purchases at XXXX. i might understand it if i had closed the account, but it was citi who closed it. also there is an inherent inconsistency citi 's policy. why did they send me a check for one citi account, but not the other. both of these credit cards are under the citibank umbrella.

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 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I NEVER GAVE ANY CONSUMR REPORTING AGENCY OR ANYONE WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT OR USE MY CREDIT INFORMATION WHICH VIOLATES MY RIGHTS AS FEDERAL PROTECED CONSUMER. NO CONSENT IS IDENTITY THEFT UNDER, 15 U.S CODE 1681B. 

XXXX TRANSUNION 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 2023-04-27
Company: CrossCountry Mortgage LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am receiving restricted calls from the collection department ( Cross-country mortgage ) saying I'm not being worked with on a loan partial ( which I am working with loss mitigation ) for my Covid Forberence that ended in Decemeber XXXX. ( pictures attatched ). I received a call XX/XX/XXXX from the initials LiL ( women ). She did nothing but tell me I'm not being worked with on the loan partial when I know I am. I'm being in constant contact with the Loss mitigation department and I'm just waiting on the under writers. Due to high volume it is taking a little longer. So after I talk with initials LiL and she asks me for full payment I ask to be transfered to loss mitigation to see what's happening. Once I'm transfered a very rude gentleman in the background is yelling THIS IS NOT HOW IT WORKS and he hangs up!!! So I immediately call back and speak with a women from loss mitigation process and everything is fine she tells me they are just waiting for the approval and it will take time due to high volume. So now today XX/XX/XXXX I am receiving an email saying " We have previously notified you about the delinquency of your account. Our records indicate that we have not received your payment which was due on XX/XX/XXXX. ". I Was in covid Forberence until decemeber XXXX and resumed making my normal house payments in XX/XX/XXXX and since then have been making them. Why is the collection department saying I am delinquent from XX/XX/XXXX. Please look into my account. As of now I am being told I am waiting for approval on loan partial but am now starting to be harrased by the collection department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: Experian Information Solutions 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:
See document attached

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 2023-06-11
Company: World Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my final bill to World Financial online on XX/XX/2020 in the amount of {$320.00} they emailed me a receipt. Ive been fighting this charge off/ collection for two years. Ive disputed it with all the credit bureaus but they have stated that the can not remove it and WF refuses to respond and provide proof of debt. World Finance gives me the run around and never calls back, emails or mails me like they promise. They have me listed owing over {$400.00} on a closed account I paid and three years late on payments. My score has plummeted. When asked to validate they change the amount or date. They said they work under a new system and cant find the proof of payment on their side. They also sent me to collections after I kept disputing them, twice. Im beyond stressed and exhausted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Pursuant to 15 USC 1681 ( a ) ( 1 ) - the banking system is dependent upon my consumer reports being fair and accurate to me. XXXX and Experian continues to report a bankruptcy on my credit report when I have disputed and sent them proof several times from XXXX XXXX that they were unable to verify the accuracy of the bankruptcy and has removed it from my report. I just recently obtained documentation from the United States Bankruptcy Court as well that sates they do not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. Experian and XXXX has both sent me letters stating that they reached out to the Court and the information came back verified which is a total lie considering their response. I don't understand why they continue to tell me that it has been verified as accurate. Pursuant to 15 USC 1681 ( a ) ( 2 ) - this careless mishap that these companies have caused has ruined my reputation, and has adversely affected my creditworthiness. I am being denied credit because of their grave errors which has caused me severe XXXX and anxiety.

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 2023-06-11
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
SUMMARY : {$3100.00} disappeared after moneygram.com transfer marked as successful, no response from Moneygram support ( case XXXX ) for 11 days at the moment of this complaint and I was told in Moneygram live chat I need to wait up to 90 days for any response from Moneygram support. 

DETAILS : On XX/XX/2023 I made transfer ( ref XXXX ) using https : //www.moneygram.com/ of {$3100.00} ( from my debit card ) to XXXXXXXX TRY to XXXXXXXX XXXX of XXXX XXXX which admittedly was a wrong currency account ( USD while transfer receiving currency is TRY ). Correct XXXX for TRY was XXXX. Money should be in recipient account by XX/XX/2023 and Moneygram transfer was marked as successful. Money never not reached recipient accounts ( XXXX and XXXX ) and there are proofs as recipient account statements for these both accounts ( attached ). Recipient bank was not aware about this incoming transfer as well ( it is not in some pending state as far as we know ). 

At this point I have not received any response from Moneygram support ( case XXXX ) for 11 days at the moment of this complaint and I was told in Moneygram live chat I need to wait up to 90 days for any response from Moneygram support which does not seems to be acceptable as long as I am or my recipient out of this pretty large amount of money. On XX/XX/2023 I specifically indicated in this support case that I will have to file CFPB complaint if will be no reaction from Moneygram support until XX/XX/2023.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-22
Company: WELLS FARGO & COMPANY
State: MA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2023, I received an email addressed to me by first and last name at my email address from Wells Fargo that they have received an application for a " Wells Fargo Time Accounts ( CDs ) ( 3 months, 4.50 % Annual Percentage Yield ) ''. I did not apply to open this account. That night I called Wells Fargo customer service and talked to 3 customer service reps including the identity theft team to verify that there is no application for a Wells Fargo account under my Social Security Number. However, over the next week, I continued to receive a series of emails addressed with my name on them about the following topics : " Access your deposit account documents electronically, Your Wells Fargo contact information has been updated, and especially concerning, emails to rate a visit to a Wells Fargo branch on XX/XX/2023 ( which I of course never visited since I am the victim of the identity thief ). I sent these emails to the identity theft / phishing team at Wells Fargo which they is what their customer service rep told me to do. 

On XX/XX/2023, I called Wells Fargo customer service again to report that I am still continuing to receive multiple emails with my name in them about a Wells Fargo account that I never opened and even visiting Wells Fargo branches, which I did not do. I spoke to the identity theft team at Wells Fargo and they said that there are no accounts at Wells Fargo using my Social Security Number. However, they are not able to search for accounts using my full name or my email address. They are also not able to search based on the Wells Fargo application ID that I received in that original email from XX/XX/2023. The rep also told me that they are not able to close the account that the identity thief opened so that I will continue receiving emails from Wells Fargo associated with this account forever. Theres effectively nothing they can do to resolve this situation in terms of closing this account and remove my name from the Wells Fargo system. 

Im reaching out to the CFPB for help on this issue. I would like Wells Fargo to treat this as a serious issue of identity theft and close this account and remove my name from the Wells Fargo system.

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