BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-06
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:
Please do not deny my complaint by stating that I filed this by some other means than myself ( This is completed by me 100 % ) and that you can't confirm my identity because you continue to send letters to my home address and continue to add accounts to my credit report, so if you can't identify who I am as you have previously said then you are illegally adding false inaccurate accounts to my credit report. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 
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 Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. 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 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 2022-11-06
Company: EQUIFAX, 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: 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, 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 XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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, this creditor 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 that consumer reporter agency can not furnish an account without my written instructions.

Under 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 explanation
Consumer complaint received 2023-02-02
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Good afternoon! I made a money transfer on XX/XX/2023 in the amount of {$50000.00}. The transfer was sent to XXXX to my sister 's account. The transfer was canceled on the side of the correspondent bank of the recipient XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX. And they should have already been processed by CITIBANK N.A., but the money has not yet been returned to the account. My attempts to contact the bank by e-mail were unsuccessful, and the bank was in no hurry to help me resolve the situation, he only said that he was not responding to individuals, and asked the sending bank to contact him. But the sending bank, XXXX XXXX, tells me that this is not within its authority. I am inclined to believe that CITIBANK N.A. is deliberately withholding my personal funds for its own benefit. Too much time has passed since the payment was canceled.

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 2023-01-31
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 investigated my credit report, I realized that some of the items were erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : 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 2023-01-25
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: Reporting company used your report improperly

Complaint:
I may have checked some boxes improperly to move forward to this page, but there were no clear choices for my specific complaint. 
My complaint is about the entire industry and how and what they report on. 
Case in point : I have run a business for over 45 years, recently retired, savings to live off of till Social Security is taken, home paid for and no debt, which is the goal in life isn't it. 
I choose to buy based on my ability to pay, not to run live my life in debt. Because of this I am being discriminated against by Experian and other credit reporting companies by their reporting of information that is as they state " Hurting my XXXX score ''. 
Example : On Experian they state that I have an insufficient number of accounts that are currently being paid as agreed. To my knowledge I have no accounts complaining of non payment as agreed. They state that I only have XXXX accounts and that to be a XXXX High Achiever I need an average of XXXX accounts being paid as agreed. I have no need for more accounts as I pay as I go. I think this is definitely discrimination against me and how I wish to live my life. If someone is going to report information about me, then I as a tax payer and consumer should have a say in what and how my personal information is reported, not some financial institution that wants to skew my information to suit their needs. My experience in running a business told me to stay away from clients who were overextended. A great example of this is my XXXX brother who for the last 20 years has carried credit card debt in excess of {$80000.00}, making the payment but being unable to get out from beneath its burden. His XXXX score has always been much higher than mine as he is feeding the system. The bottom line is that I choose to not live a life of debt like most American and the US government and I feel I am being discriminated for it. Any information you have for me that explains otherwise would be greatly appreciated as this has been a bad taste in my mouth for 25 plus years, and now that I am semiretired I finally have time to voice my opinion about it. Too many accounts has driven our government to cause inflation, another tax on Americans, is haviong more accounts really a good thing? 
Thank You for your 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 explanation
Consumer complaint received 2023-02-09
Company: ProCollect, Inc.
State: TX
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 ( XXXX XXXX ) stayed at an apartment complex titled XXXX XXXX XXXX Apartments from XX/XX/XXXX - XX/XX/XXXX. I kept up with my payments and never missed a payment. I moved out XX/XX/XXXX, but was sent an invoice for a bill of {$93.00}. I paid this bill to XXXX XXXX XXXX Apartments on XX/XX/XXXX. I have a final account statement given to me by XXXX XXXX Apartments which proves that I paid the {$93.00} on XX/XX/XXXX. For some odd reason XXXX XXXX XXXX Apartments sent this debt to a collections agency titled ProCollect INC. The Debt is now in collections on my credit report and is currently hindering me from completing a cash-out refinance which I need to complete. I disputed this collections debt to the credit bureaus. XXXX immediately removed this collections debt from my credit report, but XXXX will not remove this debt from my credit report. I do not understand why XXXX will not remove this debt from my credit report when XXXX would. It shows in black and white on my Final account statement given to me from XXXX XXXX XXXX Apartments that I clearly paid the {$93.00} debt on XX/XX/XXXX. I spoke to procollect inc and explained to them that I had paid the debt to XXXX XXXX XXXX apartments and they were very rude and did not care and they made be pay the debt again promising it would be removed from my credit report if I paid again. I was so desperate that I ended up paying Procollect Inc. again in hopes that they would remove this debt from my credit report, but unfortunetly XXXX will still not remove this debt from my collections report. This debt on my collections report is hindering me from doing a cash-out refinance which is flat out wrong and against all my rights as a customer. Please have XXXX remove this debt from my credit report so that I may complete my cash-out refinance. Thank you very much. Please protect my rights as a consumer. This is very cruel.

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 2023-05-07
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
I sent a letter out on XX/XX/2022 to Experian and XXXX. My tracking numbers for each credit bureau are the following : Experian XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, it has been more than 30 days and the credit bureaus failed to send me their procedures as well as my investigation back. I am unclear about the bureaus methods that the accounts has been verified. 

According to the law ( 15 U.S. Code 1681 ) - Procedure in case of disputed accuracy if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information in inaccurate and record the current status of the disputed information, or deleted the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller

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 2022-11-06
Company: EQUIFAX, INC.
State: WI
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 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 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 XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX A. States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXXXXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX 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 XXXX XXXX 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The incorrect accounts was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance : {$28000.00} ; XXXX XXXX Balance : {$35000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-09
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I get repeated " Annual Occupancy Certificate '' statements forms to fill out as terms of my Reverse Mortgage with Champion Mortgage and when I do send them in, they send another one within a month stating it is 2nd notice and I sent in the first one within one week of getting the first form. Even though I sent it back via their fax # and at same time, sent it via US Mail. 
When I called their customer service # and spoke with a guy known only as XXXX, he sated the records show receipt of my from from XX/XX/2016. But when I asked why they sent me a 2nd notice dated he said only that he guessed that the forms must of crossed themselves in the mail. But when I pointed out that there was a good 2 weeks from their receipt of my first form, he had no other explanation even though I asked for an answer as to why they did this. Upon doing a search of complaints about Champion Mortgage I found many, many complaints against them for shady practices such as setting up people to look like they were out of compliance on their loan and they were foreclosing. 
I have sent a letter to them asking for a response about why they send the same form to be completed when they know one has been submitted and received. I will attach a copy of that letter. 
After seeing all the complaints about this company I am very scared that they are setting me up for a false foreclosure and use this as an excuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was a wellsfargo customer between XXXX and XXXX and have been miss charged for overdraft fees for years

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 2022-10-11
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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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 2022-10-24
Company: Experian Information Solutions Inc.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Experian about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. I have talked to the banks and they agreed to repair and correct the accounts. Why dont you actually research my account history this time and see the errors yourselves?. Please update and correct my accounts right away XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX

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