BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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, 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 XXXX XXXX XXXX XXXX XXXX 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 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.

Also, each account has error and inaccurate information in each category : Date opened, Last reported, Date Last active, and Date of Last Payment. All accounts needs to be deleted.

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 2021-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Ive tried contacting Bank of America ever since I opened the account with them. And theyve never graduated my secured credit card and its been almost two years since I opened the card. Ive tried contacting them and they have given me extensive reasons as to why they deny my request. But they mostly dont make any sense to me. They said one of my accounts showed delinquency. Which isnt true since Ive always paid my bills on time. They just want to keep charging me an annual fee for a card I dont even use since it doesnt have any benefits. But I dont want to close the account either because I would lose the credit history

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 2023-09-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I Tried to call the bank to open a merchant dispute but nobody answered the phone call, so I want to dispute it through here.

I made 4 purchases on the store, but they didnt have stock of the products at the same place so they will send it from their warehouse to my address. 
XXXX ) XX/XX/2023 {$870.00} XXXX XXXX XXXX XXXX XXXX ) XX/XX/2023 {$870.00} XXXX XXXX XXXX XXXX XXXX ) XX/XX/2023 {$870.00} XXXX XXXX XXXX XXXX XXXX ) XX/XX/2023 {$870.00XXXX XXXX XXXXXXXX XXXX XXXX All items must be delivered on or before XX/XX/2023, but never arrived. Also the merchant never provided a tracking number, delivery confirmation or any other shipment information. I tried to reach them several times to get that information by the website and phone calls but nobody respond. The first contact was in XX/XX/XXXX and the last was XX/XX/XXXX. Im not on that city any more so its impossible for me to go in person to the store. XXXX ending in XXXX I have the invoice that I want to share with the bank to support my case where is written they will send the purchase by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Re : Verification of alleged debt pursuant to Section 609 ( a } ( 1 ) ( A ). 



This letter is being sent to you in response to a correspondence sent to me on XX/XX/2022 This is not a refusal to pay more rather, an endeavor to validate the alleged claim pursuant to Sec. 809 ( b ) of the Falr Debt Collection Praciices Act requires that. the consumer disputes the debt or requests identification of the orig inal creditor in writing and that the collector must cease collection until he verifies the debt and mail a response.

According to the Fair Credit Reporting Act. Section 609 { a ) ( 1 ) ( A }. you are required by federal law to verify, through the physical verification of the original signed consumer contract. any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I request the following : Verify the debt ( what is the money that is owed for How did you come up with said amount exactly All contracts that confirm that such an agreement is legal and bonding A certified copy of any judgment made Proof that the statute of limitations does not apply to this account The name and address of the original creditor Confirmation that you have the right to collect debts in my state Your license number and the name and address ot your Registered Agent Your failure to positively verify these accounts has hurt my abiity to obtain credtt. Under the FCRA. unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof. you must remove the account listed below. 
I demand that the following account be verified or removed immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The XXXX XXXX XXXX product by Transunion is a EXCELLENT credit monitoring product for me. For several days now, Transunion has SUSPENDED [ LOCKED ME OUT ] from usage of my XXXX  Account ( SEE ATTACHED ). I have tried calling Transunion about the problem, but have not received any assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT - PLEASE READ - THIS IS A NEW COMPLAINT ABOUT A NEW & RECENT ISSUE WITH SPECIFIC INFORMATION SO SHELLPOINT DOES NOT RESPOND WITH A VAGUE AND AMBIGUOUS ANSWER Shellpoint letter dated XX/XX/20 indicates " your mortgage payment that was due on XX/XX/20 is now 17 days past due ''. This is the 3rd letter I received that my mortgage payment was not received. The mortgage payment due for XX/XX/20 was mailed via USPS certified mail with tracking number XXXX and was delivered to an individual on XX/XX/20 at XXXX XXXX. The money orders were issued as follows for XX/XX/20 payment. M/O # XXXX - {$900.00} and was cashed by Shellpoint on XX/XX/20 M/O # XXXX - {$900.00} and was cashed by Shellpoint on XX/XX/20 M/O # XXXX - {$340.00} and was cashed by Shellpoint on XX/XX/20 I responded to their letter dated XX/XX/20 via USPS certified mail tracking number XXXX and Shellpoint has refused to investigate or respond back to my letter disputing their assertion that my XX/XX/20 payment was not received.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had been looking for a new laptop because of school, and since I didnt have enough to buy a new laptop I went online to look for a used one. In the ending of XXXX I came across a XXXX XXXX. This seller told me that they got two from a scholarship and that they could sell me one, so I asked if I could negotiate the price. Eventually, I got the price to {$300.00}. This may not seem like a lot but for me it is! He/She told me too use XXXX. I thought okay this is backed up by my bank, so Ill be safe even if something happens. I made the transaction and then the scammer says that they are on their way to ship my laptop out. Ive been waiting weeks and I have NOTHING! The scammer blocked my number and I found out that it was a fake number too! So my question is, if this is so safe then why is it so easy to make an account? There should be protection just Incase anything goes wrong. I understand this couldve been avoided if I wasnt being so cheap, but what can I do now? I have no money, I tried calling my bank they left me on hold for hours. I was told to make a police report, seriously so Wells Fargo cant help with anything??? I am very upset because I thought Wells Fargo would have my back with something like this but I guess not.

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 2023-09-18
Company: Atlanticus Services Corporation
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have cancelled autopay and deleted all banking information from Aspire credit card. However Aspire refuses to stop initiating unauthorized transactions against the said banking account. I have contacted the company on 4 different occasions ( twice by chat support and twice by phone ) and each time I was assured that no more autopayments would be tried to be pulled from my bank account. Although they assure me this won't happen again, it continues to happen. Please help me stop this unlawful practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: NC
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: EQUIFAX, 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 h Act XXXX XXXX XXXX XXXX balance {$62.00} XXXX XXXX  XXXX XXXX XXXX balance {$1500.00} XXXX XXXX XXXX  XXXX balance {$190.00} XXXX XXXX XXXX XXXX  balance {$130.00} XXXX XXXXXXXX XXXX XXXX XXXX {$170.00} Has violated my rights.15 U.S.c1681 section 602A.states I have the right to privacy.15 U.S.C 1681 section 6 all for 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 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 h Act XXXX XXXX XXXX XXXX balance {$62.00} XXXX XXXX XXXXXXXX XXXX XXXX balance {$1500.00} XXXX XXXX XXXX XXXXXXXX balance {$190.00} XXXX XXXX XXXX XXXXXXXX balance {$130.00} Loan XXXX XXXX XXXX XXXX {$170.00} Has violated my rights.15 U.S.c1681 section 602A.states I have the right to privacy.15 U.S.C 1681 section 6 all for a section 2 : it Also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: National Credit Systems,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: Account information incorrect

Complaint:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On Friday XX/XX/2021 XXXX XXXX of Bank of America put a hold on my credit card ending XXXX without any notice and with no clear reason. 
Since then, to unblock my card, I had to make repeated phone calls to the XXXX XXXX with waiting time 40+ minutes, let alone, by their request, was forced to visit their branch having massive waiting lines too and all of this in vain because, to date, my credit card is still not working.

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 2023-09-18
Company: BlueChip Financial
State: IN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out an installment loan and I only took out XXXX XXXX and I was paying the loan off and I fell on hardship I didnt realize that they are charging me over a late fee charge every single day. And its reached XXXX XXXX of what they lend 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 2020-12-18
Company: WELLS FARGO & COMPANY
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/2020 Consumer Financial Protection Bureau XXXX. XXXX  XXXX XXXX, IA XXXX RE : XXXX XXXX XXXX XXXX Wells Fargo Student Loan # XXXX XXXX Account # Dear CFPB, I refinanced my Wells Fargo Student Loan with XXXX ( see attached documentation ), with a loan approval date of XX/XX/2020. My first pay to XXXX was scheduled for XX/XX/2020, proving that I was approved for a loan refinancing through them. XXXX was supposed to payoff Wells Fargo by XX/XX/2020. 

On XX/XX/XXXX, my parents co-signers on the Wells Fargo loan received a notice from Wells Fargo that I am in arrears on the loan. I immediately inquired with XXXX via phone and they said that they had a batch of checks that did not go through and had to be resubmitted. XXXX had not contacted me and told me of this delay. Previously they had told me my Wells Fargo loans had been paid. XXXX emailed me confirming the loans were paid off. My accounts with XXXX show that everything has been paid and disbursed to Wells Fargo. 

Only today did I receive notice from Wells Fargo that they still have not received a payoff from XXXX and that I am 60 days in arears on the loan. This is now affecting my credit score. 

I want an immediate investigation into both Wells Fargo and XXXX. I can not tell who is not being truthful. But one of them is withholding my payoff while I am paying money to XXXX for my loan. The Reference Numbers to my conversations today asking Wells Fargo to remove the late payment a request which they have denied are XXXX and XXXX. 

Thank you. 

Sincerely, 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 2023-06-17
Company: EQUIFAX, INC.
State: PA
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 report late payment which didn't occur, without providing the option to opt out of that information reporting to a non-affliated 3 rd party prior to them reporting it in a court with 15 US CODE 68 0 2 XXXX must provide me with documentation of this and proof of my consent which is also a violation of 68 0 3 and 15 us code 68 0 1 Also, code 15 usc 1666 and code 15 usc 168 1 81 b when information is inaccurate as it is reported Payment history guide 60 days past due as of XX/XX/XXXX, XXXX XXXX 30 days past due as of XXXX XXXX, XX/XX/XXXX Moreover, late payments are transactions per 15 us code 1681 : any report containing information solely as to transaction experience between the consumer and the person making a report, this code that transaction are not included in a consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureaus are reporting inaccurate information on MIDLAND CREDIT MANAGEM XXXX Balance {$1900.00}. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report : MIDLAND CREDIT MANAGEM XXXX Balance {$1900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-09
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: CL Holdings LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They was over charged me for the service I spoke with customer service many times about I said I was going to leave the company my phone was paid off I wasnt in no contract so I leave the company. I owe them no debt.

Company response to consumer: Closed with explanation