BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 want to provide proof to XXXX XXXX XXXX that there was no late payment made on my XXXX XXXX XXXX XXXX XXXX XXXX. I have already opened a case for which I received a response but, unfortunately, whomever reviewed the case missed the mistake made when XXXX posted my payment in XXXX of XXXX. XXXX sent an itemized list of my payments and when I reviewed this list, it became clear to me where the mistake was made and how it threw off the proper recording of payments between XX/XX/XXXX and XX/XX/XXXX. I have included a copy of my payment report, here. If you go through this report from the beginning, XXXX payment at a time, you will see that the XX/XX/XXXX payment ( the payment that is reported as being late ) was, in fact, paid and posted to the account XXXX days before the due date of XX/XX/XXXX. The mistake that throws everything off is in XX/XX/XXXX when the XX/XX/XXXX payment was assessed but WAS NOT MARKED FOR XX/XX/XXXX. Instead, the XX/XX/XXXX payment, once posted, was marked as the XX/XX/XXXX payment. As a result, all the ensuing payments were marked XXXX month off. When I traded my car in for a new model in XX/XX/XXXX, I was told not to make my XX/XX/XXXX payment, however, XXXX was calling me that they hadnt received the XX/XX/XXXX payment so I made the XX/XX/XXXX payment anyway on XX/XX/XXXX ( well within the 30 day grace period ). Unfortunately, because of the mistake a year earlier, XXXX thought that the XX/XX/XXXX payment was for XX/XX/XXXX ( because all the payments from XX/XX/XXXX were mismarked XXXX month behind ) when that XX/XX/XXXX payment was actually for XX/XX/XXXX. That last payment on XX/XX/XXXX was even refunded by XXXX because it was considered an extra payment after my new lease. NOTE 1 : I need this corrected on my credit score as soon as possible as I am trying to buy a home right now and this has damaged my ability to do so by unjustly lowering my XXXX XXXX. NOTE 2 : I don't authorize XXXX XXXX XXXX to run a XXXX XXXX on my XXXX XXXX again

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 2015-05-18
Company: Trans-Fast Remittance LLC
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I availed the money transfer from Transfast.com. I filled up the information needed and when the application was submitted the amount was immediately debited from my account. The next day, they sent me an email that they cancelled my transaction and informed me that they will refund me the money with XXXX business days. I followed up with them many times and they keep on saying that they will refund me the money back into my account. As of the time of writing, I have not yet receive back my money from Transfast.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Foris DAX, Inc.
State: ME
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Crypto.com closed my account back in XXXX XXXX XXXX. I asked them why, they would not tell me. I had a visa card with them that was issued by XXXX XXXX XXXX  and a return that was processing from XXXX to the card. After the money for the return went onto the card, I asked crypto.com how to get my money out of the card, since it's closed. I told them they can send it to my linked bank account, or they can send me a check, or send me crypto. Since then, they have been essentially ignoring my emails and calls. Withholding my {$1200.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2022-05-26
Company: Experian Information Solutions Inc.
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 XXXX XXXX XXXX acct # XXXX, XXXX  acct # XXXXXXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXXXXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # 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 2022-05-26
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is in regards to Comenity Bank, XXXX XXXX XXXX, XXXX Ohio XXXX. 

Comentity charged interest even though I paid balance in full each time postmarked 9 days before due date. They charged interest when they processed my early payment 16 days after it was postmarked. I can not be responsible if Comenity processes it grossly late or the XXXX XXXX delivers it grossly late. What am I supposed to do? Mail all my payments a month ahead of time? They refused to refund the interest and the late charges are all because I did not pay the unjust interest. Comenity is engaging in unfair business practices. My full payment of the bill was postmarked XX/XX/21 but they did not process it til XX/XX/21. They refused to refund the interest and they are charging late fees each month for not paying interest that was unjustly charged. They need to refund my entire balance which is just interest and late fees. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-21
Company: DISCOVER BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a stalement from your company requesting of a payment from XXXX XXXX in the amount of {$470.00}. I am willing to pay off this account in the full amount of {$2600.00}, together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 
According to 12 U.S.Code 83, " No national bank shall make any loan or discount on the security of the shares of its own capital stock ''. No money, devices, or services were loaned by DISCOVER to XXXX XXXX nor CREDIT WITH XXXX. 
I request documentary evidence on account ending in XXXX, pursuant to 15 U.S Code 44 which states that it must include all documents, papers, correspondence, books of account, and financial and corporate records which involve all derives, assignees, hypothecations in connection with my all-caps name. I require this clarification in order to address the billing error for the amount shown in Exhibit ( A ). I need clarification as to who funded the account and how much is owed according to the journal and ledger entries from the date of opening of this account as described in IRS Publication 583 as the 10-K. On the public and private side showing accounts receivable and payable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am the XXXX who listed my clients property for sale in Maryland ( Mr. Cooper, a Texas based mortgage lender / servicer ) has the loan. Originally scheduled to close XX/XX/2021 ultimately closed XX/XX/2021. To date no disbursements have been made as Mr. Cooper will not provide a pay-off amount to the title company. Additionally, they told my client on XX/XX/2021 they would provide an amount but run it through XX/XX/2021 - a full two weeks after he has transferred the property to new owners. Mr. Cooper is non-responsive to email inquiries and initially told the title company it could take 4-5 business days ( which have now passed ) to provide the requested information. This foot dragging and non-responsiveness is costing my client dearly from his scant proceeds and I hope this is not because of his being XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2022-05-26
Company: Experian Information Solutions Inc.
State: MN
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 Account # XXXX, has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2023-09-14
Company: Advance America, Cash Advance Centers, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Advance America, Cash Advance Centers XXXX XXXX XXXX XXXX On XX/XX/XXXX, 2023they experience temporary systems outage affecting their cooperate network. Became aware of the incident and immediately launched a investigation. Third- party cyber security experts further investigate what happened and determine that an unauthorized actor accessed or acquire certain business record on the company network. They also reported to law enforcement. I XXXX XXXX Also file a police report on this issue XXXX XXXX when I became Aware of this information. The business discover the review show the individuals whose information was contained in the record review and determine my information was included in the records includes my social security and drivers license or state ID number

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023 I responded to a Citibank Promotion. I opened a savings account following the link provided. I deposited {$100000.00}. the next day. The promotion was for {$5000.00} if I leave it in the account for a specified period of time. I call the bank on XX/XX/2023 to find out when I can withdraw my funds. I was told after a long time on hold that there was no promotion on that account. I requested to speak to a supervisor. They said they didn't see any promotion. I then threatened to bring a lawsuit and close all my accounts.At that point the supervisor said " Oh wait i have good news, there is a promotion and I have meet ALL the requirements and can withdraw the money. She said the funds will be deposited on XX/XX/2023. I told her that Citibank will not allow me to transfer all $ XXXX in one months time.She said just initiate a transfer from your bank. Which I did that day. I called back XX/XX/XXXX and they said there is no promotion on that account, that took XXXX minutes.I asked to speak to a supervisor who said that I didn't fund the account within the 20 days I was allowed. I told him, is name is " XXXX '' that funded it the next day. At that point he said he would have to send it in for review. He got his information form the first review which was incorrect. I am fed up with their incompetence and downright deceptions.

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 2023-10-31
Company: EQUIFAX, INC.
State: WA
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:
On XX/XX/2023 I asked the credit bureaus to remove all these negative items off my report they would not. They said there is no way to delete them off my record. These debts are not mine and have had a very negative impact on my life. I can't live a normal life I even believe that the bureaus leaked my personal information, for accounts to be opened as act of fraud on my account. They even allowed my personal private information to be reported without my consent. I have addresses that are wrong. So, these things have made more negativity in my life because I can't even buy anything because all these company decline my access to my unlimited credit. none of these debts have even been Valid and they also have been sold over and over again. All three credit bureaus also are even reporting different information 's. UCC 9-506 Seriously misleading. All negative items need to be removed. 15 U.S Code 1611 Identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I reviewed the letter from citi bank regarding my complaint : XXXX but some information in the letter is incorrect : I opened citi bank checking account thru online and entered all correct personal information and got approved and funds are transferred from my external bank to citi bank XXXX After around 10 days I did not receive my debt card I called citi bank and they checked my account and found the account address is wrong and they corrected my address. 

On citi bank response letter they mentioned I provided business address which is not true. I entered my home address ( not business address ) but when the address back to citi bank system the address showed incorrect. Citi bank need to check up their system why customer address showed incorrect even customer entered correct home address. 
Also when they decided to froze my account after account opened 30 days I called many times and asked the reason for closure as no notification provided to me for the froze but they did not tell me the reason. 
Since citi bank did not tell me what the exactly reason why my account got froze and only tell me it will take 30 - 60 days to get my account closed, I asked my external bank to help me get my funds transferred back because I do not want my funds froze by a bank for 60 days and I do not even know what is the reason. But citi bank rejected my external bank 's transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 Account # XXXX, has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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