BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
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:
To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with The following companies 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REMOVE INQUIRY } Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. THANK YOU, 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 2024-01-04
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Opened a bank account ( checking/savings ), online with Citibank. This was XXXX XXXX. I went to the bank on the XXXX of XXXX to make a wire transfer to XXXX of my accounts ( Not Citibank ) the amount was {$2700.00}. They charged me {$35.00} for the transfer. They said the funds would be in my account in a few hours and it never came through. I called Citibank and they told me that they blocked my account and I had to verify my Identity this was XX/XX/XXXX, th 2023. That same day they told me they mailed me a code and it would be about 5-7 business days. XX/XX/XXXX. Still no code in the mail called again. They mailed me another code XX/XX/XXXX. Today is XX/XX/XXXX. Still no code. Almost a month still not able to access my funds. I am falling behind on bills.

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 2019-09-18
Company: TD BANK US HOLDING COMPANY
State: NY
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:
Hi, my TD bank debit was stole by someone on ATM machine about {$740.00}, when I received the fraud alert message from TD bank I press NO immediately and I called bank to stop my card and I went to local office next morning cause the money was stole by XXXX and I need at home to take care my baby. So morning time they told me this 2 transaction was pending and they cant do dispute now, so after couple days I went to bank again because the money was proved and was gone from my account. After 3 weeks I did not get my money back I did not get any notice from bank so I have to go to bank again, and this time they told me my request was deny because the stoler use my correct PIN number so they can not do anything for me. 

And also someone stole my information to apply for XXXX  XXXX credit card which I never apply for before, I call to cancel this card already but I dont want this will affect my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: NV
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I contacted XXXX XXXX  and the balance is {$0.00}. Not understanding why this debt is being reported. XXXX XXXX Account # : XXXX for Address of service : XXXX XXXX XXXX , XXXX  XXXX, XXXX XXXX, GA XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This account is XXXX XXXX XXXX Account # : XXXX, not mine. I find this fraudulent. Kindly remove this immediately as this may damage my reputation as an employee.

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 2023-10-14
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This seems to be the only way to contact this company. The first time they sent me a debt validation notice that was wrong for a {$380.00} debt. Said it was put in " restrictive status '' not sure what that meant. And they said they mailed the debt validation not on the XXXX as their paperwork indicated but on the XXXX which was a Sunday. Which turned out to be a provable lie. I tried to call them I faxed them no response. What is restricted can you still sell the debt is it erased? Filed a second CFPB complaint they responded with were having an internal investigation were closing the account. I have tried to find out what that means. I called them left messages. I want to know if they can resell this debt or if it's gone. They also are supposedly holding an internal investigation I don't know if that is true or not but I'd like to know the outcome of it. Who did what? What was the punishment? Why do I need to file CFPB complaints to hear from this company. I think it's fair to say they have violated the FDCPA enough times that they should confirm the debt is gone forever and pay me for these violations. Obviously I am the one this is about so I want to know what this internal investigation uncovers how thorough was it? I called left messages for the people they said XXXX XXXX and XXXX XXXX who seems to be pretty high up there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAVE SUBMITTED SEVERAL DISPUTES TO THE BUREAUS WITH NO CORRECTION OR ACCOUNT UPDATES. STARTING ON XX/XX/2021 AND EVERY MONTH SINCE THEN. I HAVE TAKEN TIME TO SUBMIT SEVERAL DISPUTES ON SEVERAL INACCURACIES ON MY REPORT WITH NO RESOLVE AND NO INVESTIGATION ON THE PART OF THE CREDIT BUREAU. BELOW I HAVE SUBMITTED SOME OF THE CHALLENGES I HAVE SUBMITTED BUT NOT ALL.

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 2023-05-05
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I went to get a car from XXXX and ran my credit a total of XXXX times, I have them {$2000.00} in cash as a down payment. XXXX days later I had to bring the car back because the lender that agreed to do the loan reverse their decision and turn down the loan.

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 2022-07-13
Company: EQUIFAX, INC.
State: NV
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 they violated my rights. 
Please delete the following items : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Solar Mosaic LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Solar Mosaic , Inc. is sending me letters to collect a debt that is currently under investigation. I initiated an investigation with Solar Mosaic Inc. in XX/XX/ regarding their diversion of a {$55000.00} home improvement loan to XXXX XXXX XXXX without validating the phases of the construction project. XXXX XXXX collected the loan money but never completed any project as stated in the contract. Despite my confirmation with my city 's planning and building department that XXXX XXXX never submitted any plans for the XXXX project and that the permits are not completed, Solar Mosaic Inc. proceeded to give XXXX XXXX a loan that was secured for this project. Now, I'm receiving debt collection letters for a loan that was never used for my project, as XXXX XXXX XXXX diverted these funds to other unknown projects. Solar Mosaic Inc. is aware that XXXX XXXX XXXX XXXX 's license has been revoked since XXXX with the XXXX which can be verify online but Solar Mosaic Inc. continue to do business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Block, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My phone was stolen on XX/XX/2023 around XXXX. On my XXXX  watched I received a notification saying my account was used to send {$200.00} dollars to someone I did not authorize via Cashapp. I immediatly logged in to Cashapp on my friends phone and contacted support, where they disabled my card due to the fraudulent activity and made a dispute on the transaction. I then called support to double check that it was filed and was hung up on 4 times before I gave up. I was informed today that they will not be refunding me my money because they said I did the transaction. I called them and was on the phone for over an hour filing another dispute and was hung up on. I then get an email saying they had already informed me of their decision and to refer back to the previous claim when I was told we were starting the process over again. I asked why it was denied and they could not give me any specific reason other than they think I did the transaction. I have never disputed a charge with them. I requested documentation as to why they denied me and I all their reasoning was, was to show me the transaction and when it occured and said I did it. There was literally no proof just the amount of the transaction and date, and they said because of this I did it. This is a lot of money to me and getting no support from a company I use and support often is not right. The way I was hung up on multiple times and not given clear information of why I was being denied is not right. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: U.S. BANCORP
State: DC
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I purchased this card on XXXX XXXX,2023 for {$500.00} and the card was not working. I requested a replacement card on XX/XX/23 and submitted requested documents that included the receipt of purchase, images of the card and my personal identification. This information was sent multiple times via fax on XX/XX/23, XX/XX/23, and XX/XX/23 and received confirmation of successful delivery. The company claims they never received the documents any of the times. I've exhausted efforts to resolve this directly with the company and have resulted in filing this complaint

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 2021-12-09
Company: WELLS FARGO & COMPANY
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
The XXXX process started in XXXX, my XXXX  and I took a XXXX out on XX/XX/XXXX. The payments were always made on time, the loan is a XXXX XXXX loan it originated through XXXX XXXX XXXX  so they own the note. The mortgage has been transferred to several banks. The mortgage servicer was Wells Fargo when it went into foreclosure. Wells Fargo started the foreclosure in XXXX/XXXX. I am on the mortgage and security instrument, but not the note. My XXXX is in a XXXX home with XXXX, her XXXX is the XXXX XXXX XXXX XXXX XXXX, her XXXX whom is XXXX is the XXXX XXXX XXXX XXXX XXXX  The XXXX did not inform me that they stopped making payments on the XXXX and the bank never notified me. My address on XXXX documents are going to an address that Ive never lived at. My address is the same address that is being XXXX. When I found out it was in XXXX, I tried to make payments with Wells Fargo but they wouldnt let me have access to the acct, the XXXX  refused to let me pay. I sent in complete XXXX XXXX paperwork and was never contacted back, which is against FHA rules. I put up my XXXX as a security instrument, my XXXX  bought my XXXX XXXX  out so I would stay there, Im in all XXXX documents its in the XXXX  yet Im going to XXXX my home? Wells Fargo closed the account in XX/XX/XXXX and sold their interest to a trust company named XXXX XXXX XXXX, the bank is now XXXX Bank. They waited 180 days after purchasing loan and started up the XXXX again even though they never notified my, the XXXX  still shows Wells Fargo as XXXX The fees are now 3 times as much. This case is full of fraud, XXXX neglect, refusal of account access to a borrower on XXXX, discrimination of a XXXX adult, refusal of XXXX XXXX, its over the statute of limitations for the case and what has happened. Wells Fargo contacted me after I complained with you in XXXX, but they still would not let me have access to account to pay. They said they would contact me with a payoff amount, but did not and then the loan was transferred. I dont know what to do because no one will look at the detail of this case. The banks have to follow servicing rules and Im still notified of nothing. The XXXXXXXX information should be mailed to the address being XXXX on which is where I live. Help me! This is illegal please look at the entire case.

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 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX is in violation of my consumer rights. XXXX XXXX has taken information from the PACER system and sold that information to other reporting agencies. 
XXXX XXXX is in violation of FDCPA 15 U.S code 1692 a Abusive invasion of an individual privacy It is a federal offense to sell personal information of any consumer for monetary or any purposes for the matter. 
XXXX XXXX is in violation of 15 U.S code 1692 d ( 1 ) Any bad debt furnished on my report is ruining my reputation and defamation of character. 
I will provide proof in an attachment letter directly from the US Bankruptcy court stating they do not furnish bankruptcy on consumer reports because it's against the law. 

XXXX XXXX is in violation of 15 U.S code 1681 b Permissible purposes of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX never gave XXXX XXXX any written consent to report anything on my consumer report, No consent is identity theft. A copy of the law is above. 

Concerning the account listed below as a consumer, I'm demanding the deletion of this account from all reporting agencies. 

US Bankruptcy I have demanding this information be deleted from my private consumer report numerous of time. No one other than myself can verify accurate information according to the consumer federal laws. 
Lastly, XXXX XXXX has continued to violate my consumer rights and they are also in violation of 18 U.S code 1028 A Aggravated identity theft ( a ) offenses ( 1 ) In general Whoever,, during and in relation to any felony violation enumerated in subsection ( c ), Knowingly transfers, possesses, or, uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

Each violation carries a fine of {$1000.00} and a possible imprisonment of 2 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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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.

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 2023-05-05
Company: Harvard Collections, LLC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have never had any services nor contracts with HARVARD COLLECTION OR XXXX XXXX This is the second company to attempt to put this fraudulent account on my credit report. I have already made it very clear I have never had services with XXXX XXXX nor given anyone permission to use my name. I also have not lived in New York State since I was in HIGH SCHOOL. XXXX XXXX XXXX XXXX XXXX XXXX. Also I have never lived at the address XXXX XXXXXXXX has on the account either. ALL was fraudulent and handled about XXXX ago, now ANOTHER company is attempting fraud with the same account. TAKE ME OUT YOUR SYSTEM and REMOVE from my credit report immediately. XXXX XXXX is well aware this was a fraudulent account so Im not sure why you have it attempting to collect FRAUDULENTLY. 
My next step will be to contact my lawyer because this is absolutely ILLEGAL & UNETHICAL PRACTICES.

Company response to consumer: Closed with explanation