BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 acc # 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 603 ( 2 ) i : States a costumer report does not include, report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 U.S.C. 1681section 604 A section 2 : It also states a Consumer Reporting Agency can not furnish a account without my written instruction. 15 U.S.C. 1681e ( b ) states reporting agency shall follow reasonable procedures to assure maximum possible accuracy.

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 2023-01-23
Company: Experian Information Solutions Inc.
State: OK
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 has violated my rights 15 usc 1681 section 602 a states i have the right to privacy. 15 usc 1681 section 604 a section 2 it also state 's a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Boone & Associates Group LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/2020, I received a phone call from XXXX XXXX. I did not recognize the number and was wondering who would be calling me from the XXXX area. I let it go to voicemail, and this is what the message said : " Hello, this message is for XXXX XXXX. My name is XXXX XXXX calling on behalf of claims in regards to a neglected complaint that's in process of being filed against your name as well as you social ending ( stated last 4 of my ssn ). Failure to respond to this message by today gives us the legal right to move forward to get you in your jurisdiction. I can be reached at XXXX XXXX, extension XXXX. '' As of today, no legal action has been taken. I did not expect that it would since this company is bogus. I was able to find the name. I did not call back because the XXXX has been linked to scams. It is not assigned to any particular region. I know this company is a fraud and went to great lengths to try to intimidate me into compliance. The message all but threatened that they would " get me ''. Please put these people out of business!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2019-07-17
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Sirs and Madams : Wells Fargo is jerking us around in every possible way with exhorbitant fees and charges ( i.e., account negative, check paid, insufficient funds applied ), forced me to pay a {$31.00} fee on a Wells Fargo Cash Wise Visa card to stop an Au to pay when, in fact all that I needed to do was call a number that was given me by Wells Fargo to stop the AutoPay, which was free gratis - never advised that I could effect the same end, free gratis, telling me that I had funds available on said cash wise visa card, when, in fact, they exacted a {$35.00} insufficient funds fee applied when I received money from an ATM for said funds available, told Wells Fargo that I wanted to change my account number to forego additional charges from any and all Auto Pay instances, to find later that they carry everything to my new account, thereby making the account number change meaningless for all practical purposes -- a total waste of my time as they referred everything to the new account. Had more than {$250000.00} in their money market savings account that never earned a single red cent, which was a total wash - no moneys earned ever in the account. Wells Fargo is purposefully not fully informing account holders of consequences and matters involving their fees and charges, nor advising account holders of no money, possibly, would be earned in their money market savings account. When I deposit money into the account, they extract huge amounts, reportedly fees that I never knew, no was informed that they were applied and the money taken out. They are carrying a negative amount in my account and in lieu of insufficient funds available, they are both paying some, and applying insufficient funds. They need to be closely audited and monitored for their practices as they ARE crooked. Also, Gas Bill payment was returned when funds WERE available.

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 2023-11-11
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ally Financial XXXX XXXX XXXX, XXXX XXXX Acct # : XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : Your company is in violation of the FCRA and XXXX Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On { XX/XX/XXXX, XX/XX/XXXX, XXXX  and XXXX. The dates you claim Im late shows up in XXXX without a date } you reported transactions from account XXXX to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! 
The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of XXXX  compliance!

Provide me with the XXXX  compliance disclosure on reporting transactions to a consumer reporting agency. 
I need the transactions reported on XXXX   and XXXX  Deleted from my consumer reports effective immediately. 
Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. 
Further more 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
I need the above transactions deleted from my consumer reports! 
Best regards, 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 explanation
Consumer complaint received 2021-12-05
Company: EQUIFAX, INC.
State: LA
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$980.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$660.00} XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: WELLS FARGO & COMPANY
State: CA
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:
This is the refilling of my complaint to WELLS FARGO. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and account with mistaken data, like payment history, status, balances, and date of last activity. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record 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 2023-04-06
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My Identity was stolen as a minor.

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 2019-07-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was previously with XXXX XXXX, but XXXX XXXX sold the note to Select Portfolio Servicing. I am currently paying amounts significantly in excess of the minimum payments which I request to be applied to the principal balance ( $ 10K- $ 13K/month ). However, they are not applying the extra amounts to the principal. They are leaving most or all of the extra amounts as " unapplied ''. I am therefore being charged interest on the amounts that are intended to be applied to the principal. 

They also skip sending me statements promptly on monthly basis. 

The first payment was made to SPS in XX/XX/2019, but I have received only 3 statements XXXX through XXXX. 

I am requesting that I receive monthly statements promptly and that the extra payment amounts be applied promptly to my principal balance. The statement should reflect these applied payments, along with a new principal balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act 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 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 non-monetary relief
Consumer complaint received 2020-12-29
Company: GreenSky, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
GreenSky , LLC. needs to provide me proof of a signed contract by me. XXXX XXXX and I have completely parted ways and dismissed my loan so if GreenSky wants money, get it from XXXX. I have nothing to do with them or you anymore. Stop sending me bills. If you need to verify that I was refunded for my four treatments that did not work and my " contract '', determined by them, has been cancelled - call them. They sent me a letter but no proof of contract and neither have you. I have no money and I owe no money. It's now between you and XXXX. As far as I'm concerned, I have no more to do with either of you and paid my dues. Leave me alone or I'll get the ADA involved for you dismissing my medical documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
encountered late payments because of the COVID-19 pandemic. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
XX/XX/2021, when I tried to transfer my balance and payment, I found I can't access my money. XXXX EUR and XXXX USD. 

So I contacted Paypal support via XXXX. I told them the problem. 

First time, they asked me to create a second PayPal account in the country I am currently living in, once the secondary account is created the funds in the U.S balanced can be sent to the new second account. But it didn't work. 

Second time, they asked me try with a different mode of payment or try after XXXX hours. But it didn't work, too. 

Third time, they asked me to verify my XXXX account. But it didn't work, too. 

Forth time, they asked me to wait it get normal. But it didn't work, too. 

Fifth time, they asked me to call them, but it's not save for me. 

Sixth time, I proved my money is legal few days ago, but after I provide my ID there is no answer anymore. 

I felt that their process was very confusing, I felt discriminatory, and I felt that they didn't want me to take my legitimate funds. It put a huge burden on my life and credit during the hard times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: EQUIFAX, 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:
I previously submitted a police report and FTC report for identity theft. The accounts listed below are still reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably 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 the following accounts be verified or deleted immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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: Account status incorrect

Complaint:
I have tried for the last four months to dispute the inaccurate late payment on my credit report. XXXX XXXX acknowledges to me on the phone that they will remove late payment on account ending in XXXX. 
but when the credit reporting agency calls the say it was late yesterday XX/XX/XXXX I pushed until I received a letter from XXXX XXXX stating I had a XXXX balance on this above mentioned account when Equifax XXXX  or XXXX call XXXX XXXX holds the assesed missed payment of XXXX annual fee plus interest and late fees is accurate and when I call in the dismiss me and tell me they will handle and call back in 7-10 days I have phone records from XXXX to now showing numerous calls

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Professional Debt Mediation, Inc.
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 a fair credit reporting act [ PROF DEBT # XXXX, XXXX XXXX # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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  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 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 non-monetary relief
Consumer complaint received 2020-12-28
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
The problem has been for almost a year I've been dealing with missing money from my bank.the most recent incident was Saturday XX/XX/XXXX. Pizza was ordered online for XXXX $ somehow the transaction charged twice I contacted the pizza place she said wait until Monday and you'll see the amount only charged once because their receipts showed it going thru only once. So I waited until Monday and the total came out of my account twice ... Now I've been dealing with this problem with this bank for at least a year I called they gave me some excuse so we did the fraud again. 4 months ago the same thing was happening with another organization I was paying for my membership every month and the bank was taking the money twice a month and when I called too get it take care of they denied giving my money back. So this has been going on to long and I need to figure out how to get this taking care of because I don't know what the bank is doing with the extra money that keeps getting charged to my account.they even allowed a organization to take money from a frozen debit card and made the excuse that it was mastercards fault.

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