BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: IL
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:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2020-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

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 2023-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Bank of America allowed a fraudulent credit card opened under my name and my SSN in XX/XX/2023, and Bank of America stated that the information on the account is not being reported to the credit agencies, therefore, I need to know why my XXXX credit report is showing this fraudulent Bank of America credit card and it has been reported OVER THE LIMIT as of XX/XX/2023. ( Please see attached supporting document. )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was impacted by the XXXX pandemic, and as a result was approved for a deferment program last XX/XX/XXXX. Most of my mortgage payments for XXXX were placed into a suspense account until XXXX XXXX approved my deferment ( this is what I was told by Truist ) and once the approval was granted, the money in the suspense account was applied to my principal and my escrow accounts. 

However, the amounts were applied incorrectly, and I have tried multiple times to get this rectified with Truist. As of XX/XX/XXXX, my escrow account should have {$5000.00} in it, but there is currently only about {$1400.00} in the account. The difference in the amount has been applied to the principle balance. This has caused a large deficient in my escrow account, which will then cause me to have much larger payments once my escrow account is reanalyzed in the fall of XXXX. 

I received a letter from Truist on XX/XX/XXXX, dated XX/XX/XXXX, apologizing for the mistake and saying that the payments were applied correctly. Yet when I checked my escrow account balance online and called Truist to confirm, the balance in my escrow account is still not correct! I am frustrated that Truist is not handing this correctly and would like to elevate this issue.

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 2022-05-13
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My personal information has been stolen and used to open several accounts and services in my name without my permission or knowledge. I have allowed the collection companies a timely amount of time and the issue as not been resolved, and i would like for these accounts to be removed immediately.

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 2019-08-06
Company: Experian Information 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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed unauthorized and fraudulent inquiries on my credit report made by the following companies : 1. XXXX XXXX XXXX on XX/XX/XXXX 2. XXXX XXXX on XX/XX/XXXX 3. XXXX XXXX on XX/XX/XXXX 4. XXXX XXXX on XX/XX/XXXXXX/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 non-monetary relief
Consumer complaint received 2023-04-21
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 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 accounts 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2019-08-06
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Interest rate on the loan is extremely high. Im reaching out to your organization to review to this loan. In NY State are these rates legal? Complaint against the following company One Main Financial. Annual Percentage Rate 24.99, Amount Financed XXXX. Total payments XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, 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 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 accounts 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Amsher Collection Services, 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:
XXXX party illegaly collected a debt on me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Remitly, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Next month I sent an amount of XXXX USD Fee XXXX USD Total Amount Charged {$1200.00} USD Net Recipient Amount R {$6000.00} XXXX Exchange Rate XXXX USD = XXXX BRL Through the App called Remitly , Inc . 

XXXX XXXX XXXX., XXXX XXXX, XXXX, WA, XXXX ( XXXX ) XXXX www.remitly.com And the money has never arrived, I already talked with my XXXX  bank and they said it has never got there and I also talked with remitly and they never answered me about a solution. 

More Informations : Recipient : XXXX XXXX XXXX XXXX XXXX Transfer No. : XXXX XXXX XXXX XXXX DELIVERED R {$6000.00} We have confirmed funds were deposited to your recipient 's XXXX XXXX account. Your transaction is complete and we hope to see you again. 

ARRIVAL TIME XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  ) TRACK YOUR TRANSFER Your bank account Remitly Recipient 's bank Recipient 's account Success! Your deposit has been confirmed. 
XX/XX/XXXX, XXXX XXXX XXXX Share Remitly with your friends to earn rewards. 

RECEIPT Sender XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ( XXXX ) XXXX Payment Details Submitted XX/XX/2020 XXXX XXXX XXXX Reference No. XXXX XXXX XXXX XXXX Delivery Bank Deposit Bank XXXX XXXX Bank Account Account ending in XXXX Delivery Speed Economy Currency BRL Available XX/XX/2020 XXXX XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Acct. ending in XXXX Amount Sent XXXX USD Fee XXXX USD Total Amount Charged {$1200.00} USD Net Recipient Amount R {$6000.00} XXXX Exchange Rate XXXX USD = XXXX BRL Remitly may earn revenue from the conversion of USD to other currencies. 


Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My account was placed in a forbearance during the time that XXXX XXXX reported late payments in 2017. Reason being, my other loans were being consolidated into this loan. I have attempted to get them to remove the derogatory remarks from my credit report and they acknowledge that my account was in forbearance but are unwilling to remove the derogatory remarks showing 4 late payments in 2017 specifically, XXXX, XXXX, XXXX, and XXXX of 2017.

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 2017-06-20
Company: Conn's, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XXXX XXXX, XXXX, my husband and I went to Conn 's Home Furnishings on XXXX XXXX in XXXX, NC to look at furniture. We decided to purchase a bed set while we were there. We were told the price and told we could finance it for 0 % interest. I agreed to the purchase and gave my personal information to complete the purchase. After the company ran my credit, I was told that I had been misinformed about the 0 % interest offer. The cost of the bed was not above their threshold to offer 0 % interest. We were heavily pressured to spend more to get above that threshold. After we informed the salesman that we have no intent of spending more, he announced that they would not sell us that particular bed because it was a last model and they needed to check with the manufacturer to make sure they could sell it. That Monday, XXXX XXXX, XXXX, I received a call saying that they could sell it but would need to get a price. I was told that the salesman, XXXX, would call me back on Wednesday, XXXX XXXX, XXXX with the price. My husband and I have tried calling several times and have received several messages ranging from messages saying there were extra models of that bed in a warehouse to calls saying we would be called back in a few minutes with the price. We have been repeatedly asking for the price and at no point have we been told what we will have to pay for this bed. Conn 's ran my credit under false pretenses. They had no intent to sell us the bed they agreed to sell us. They are refusing to let us know what they are going to charge us for this bed, but they have every intent to report a debt to " all XXXX credit bureaus '' according to the salesman. No information has been provided to me concerning the credit that was extended and the terms. What we have been left with is a credit report pulled for a transaction that Conn 's had no intention of upholding in an effort to sell us something else at a higher price. I want the pull removed from my credit reports and for these bait and switch practices to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2023 FACTS : 1. I have checking account with US Bank. 
2. On XX/XX/2023, I released {$100.00} payment on my cell phone on XXXX XXXXXXXX XXXX app using my routing and account number. 
3. My XX/XX/2023 never made it over to XXXX XXXX. 
4. US Bank has my {$100.00} from XX/XX/2023. 
5. I want my XX/XX/2023 {$100.00} deposited into my US Bank checking account now.

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 2022-05-12
Company: Experian Information Solutions 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  TX 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 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 2023-09-22
Company: United PanAm Financial Corp.
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:
Upon checking my consumer report I noticed charge-off remarks being reported by United Auto Credit Co. United Auto Co. never provided me with a 1099c form notifying me that my account was charged off. As for the UCC laws United Auto Co also failed to follow 9-506,9-611,9-612,9-613 by phone or U.S. mail.AS for FCRA United Auto Co violated section 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation of any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. I also filled a compliment with XXXX. The report will be attached as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In XX/XX/XXXX there was an account opened at speedy Cash in XXXX XXXX which to my knowledge I was unaware of it. Because at that time I was in federal law-enforcement training centers for my XXXX XXXX XXXX XXXX. Throughout the past years up until present day I have made several times to contact speedy cash and let them know that Im not responsible for the debt collection of {$300.00} because I never was there to take it out so I claim no responsibility. I have made several attempts with credit bureaus like XXXX XXXX XXXX and XXXX to dispute the collection and nothing has happened yet there was no action taken by the credit bureaus except just a statement that was added. I am reaching out as of today XX/XX/XXXX to close this collection because I believe this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-12
Company: Paypal Holdings, Inc
State: CA
Product: Credit card or prepaid 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:
I bought a spare part for a car on XXXX with a tracking number that was delivered but I did not receive anything. I opened a dispute on XXXX, XXXX decided it in favor of the seller. I dont agree with this nonsense, since the seller is responsible for the delivery and the seller must open a dispute with the delivery company or request insurance. Then I decided to open a dispute on PayPal, since I paid with a credit card, PayPal closes the dispute in favor of the seller, referring to the tracking number that the spare part was delivered and ignoring that I indicate that I do not receive anything!!! I demand my money back. 

XXXX Item not received Closed {$430.00} USD XX/XX/2022 XX/XX/2022 2022

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2023-01-17
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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